PRIVACY INFORMATION ABOUT THIS SITE

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

THE INFORMATION WE COLLECT

This notice applies to all information collected or submitted on the Golden Oaks Mortgage Company Web site. On some pages, you can order products, make requests, and register to receive information.

THE WAY WE USE INFORMATION

Golden Oaks Mortgage Company is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. Golden Oaks Mortgage Company collects information from our users at several different points on our Web site.

We use the information you provide about yourself when using our services only to complete that service. We do not share this information with outside parties except to the extent necessary to complete that service.

Registration
In order to use certain portions of this Web site, a user may need to complete a registration form. During registration a user is required to give their contact information (such as name and e-mail address). This information is used to contact the user about the services on our site for which they have expressed interest or to process services for other individuals. It is optional for the user to provide demographic information (such as income level and gender), and unique identifiers (such as social security number), but encouraged so we can provide a more personalized experience on our site.

E-mail
We use return e-mail addresses to answer the e-mail we receive and to inform customers about special offers and news. We may also utilize e-mail addresses for contacting customers and vendors about delinquent accounts or money owed. Such addresses are not shared with outside parties.

Links
This Web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

eNewsletters
If a user wishes to subscribe to one of our eNewsletters, we ask for demographic and contact information such as name and e-mail address.

Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Cookies
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. For example, the user will not be able to participate in any of our Sweepstakes, Contests or monthly Drawings that may take place. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

Log Files
We may use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Tell-A-Friend
If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and e-mail address. Golden Oaks Mortgage Company will automatically send the friend a one-time e-mail inviting them to visit the site. Golden Oaks Mortgage Company stores this information for the sole purpose of sending this one-time e-mail. The friend may contact Golden Oaks Mortgage Company to request the removal of this information from their database.

Supplementation of Information
In order for this Web site to properly fulfill its obligation to our customers, it is necessary for us to supplement the information we receive with information from 3rd party sources.

For example, to determine if our customers and clients qualify for credit, we use their name and social security number to request a credit report. Once we determine a user’s creditworthiness, this document is destroyed.

Special Offers
We send all new members a welcoming e-mail to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see our choice and opt-out below.

Site and Service Updates
We also send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services and in regards to issues relating to their account via e-mail or phone.

Choice/Opt-out
Our users are given the opportunity to ‘opt-out’ of having their information used for purposes not directly related to our site at the point where we ask for the information. For example, our order form has an ‘opt-out’ mechanism so users who buy a product from us, but don’t want any marketing material, can keep their e-mail address off of our lists.

Users who no longer wish to receive our eNewsletter or promotional materials from our partners may opt-out of receiving these communications by contacting us.

Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether they should proceed with services that require an outside party, or not.

We use non-identifying and aggregate information to better design our Web site and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our Web site, or that Y number of men and Z number of women filled out our order form, but we would not disclose anything that could be used to identify those individuals.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

OUR COMMITMENT TO DATA SECURITY

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

OUR COMMITMENT TO CHILDREN'S PRIVACY Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Web site from those we actually know are under 13, and no part of our Web site is structured to attract anyone under 13.

HOW YOU CAN ACCESS OR CORRECT YOUR INFORMATION

You can access all your personally identifiable information that we collect online and maintain by writing or e-mailing our company directly. We use these procedures to better safeguard your information.

You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.

To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

HOW TO CONTACT US

Should you have other questions or concerns about these privacy policies, please call us at 1.763.261.5921.

Notification of Changes
If we decide to change our privacy policy, we will post those changes on our Homepage so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an e-mail. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.