Notice of Macquarie Mortgages USA Inc. Privacy Policy

Effective Date:  January 1, 2008.  In the event we materially change this Notice of Macquarie Mortgages USA Inc. Privacy Policy (“Notice”), we will change the effective date and post the revised Notice on our web site. 

Central to the success of Macquarie Mortgages USA Inc. (“Macquarie” or “we” or “us”) is our commitment to our clients. We recognize and honor our obligation to respect and protect the privacy of the personal information of individuals with whom we deal.

Macquarie collects, uses, and shares non-public personal information that is described below about you (“Private Information”). This Notice explains what Private Information we collect, with whom we share it, and how we protect it.  This Notice applies to potential, current and former customers of Macquarie. 

Information Collection

• Macquarie collects the following Private Information from the following sources:

• Information from applications, other requests, or forms completed for loans or services, such as your name, address, Social Security Number and income;
• Information about your transactions with us, our affiliates, and our service providers, such as your account balance and payment history;
• Information about your transactions with other non-affiliated third parties, such as account balance and payment history, and verification of  employment history or insurance coverage; and
• Information we receive from credit bureaus, such as your credit history and creditworthiness.

The information is collected, used and retained so we can transact business with you. Macquarie works very hard to ensure the accuracy of our information. However, if you are concerned that the information we maintain about you is incomplete or inaccurate, please call or write to us at the telephone number or address listed on your account statement or at 1-800-725-0786.

Information Sharing

While many financial service providers reserve the right to share Private Information about its customers with non-affiliated third parties, at Macquarie, we are committed to maintaining your confidences. We do not share Private Information about our customers with non-affiliated third parties, except as permitted by law. We may share some or all the Private Information we collect as described above with the following types of third parties:

• Service Providers:  We may share some or all of the Private Information described above with companies that perform services for us or act on our behalf, such as a marketing company that sends you information about our products.  The information we may share includes your name, address and account number, and can consist of other Private Information.  We may make such disclosures about you as a consumer, customer, or former customer
• Joint Marketers:  We may share some or all of the Private Information described above with financial institutions with whom we have a joint marketing agreement. A joint marketing agreement is an agreement between us and a financial institution so that we can offer you a product together, such as a private label credit card.  The information we may share includes your name and address, and can consist of other Private Information.  We may make such disclosures about you as a consumer, customer, or former customer.
• Affiliates:  Some of the Private Information described above may consist of information about your history of dealing with us or our affiliates, such as identification information, account history, balances and payment history (“Transaction Information”).  We may share Private Information that consists of Transaction Information with our affiliates.  We may make such disclosures about you as a consumer, customer, or former customer.

System Security

One way Macquarie protects Private Information about you is by implementing and maintaining appropriate security standards and procedures. We restrict access to Private Information to those employees who need to know this information to perform their job duties.  In addition, we maintain physical, electronic and procedural safeguards to protect Private Information about you in a manner consistent with industry standards for similar companies and in compliance with applicable laws.

DEALING WITH MACQUARIE MORTGAGES USA INC. ONLINE

When you visit Macquarie’s website to browse, read or download information, our system logs these movements. These web site logs are not personally identifiable to you and Macquarie makes no attempt to link them with individuals who browse the site.
Your account information is password protected when accessed online. To maintain the security of your account and your Private Information, we strongly recommend that you NOT divulge your password to anyone. For further security, your log-in time will automatically expire after a certain period of inactivity.

Cookies

A cookie is a small data file that contains information about your visit to a web site. This information is provided by your computer during your first visit to a web server. The server records this information in a text file and stores this file on your hard drive. When you visit the same web site again, the server looks for the cookie and structures itself based on the information provided.
Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to warn you before accepting cookies. If you have set your browser to warn you before accepting cookies, you will receive the warning message before each cookie. We use cookies to better service you by improving your experience while navigating our site.

Links

Our website provides Links to third-party websites.  The third-party websites are not the property of Macquarie.  Macquarie does not warrant or otherwise make any representations or promises regarding these websites, including about their content.  The privacy and security policies (and practices) of the owners of the third-party websites may be different from Macquarie’s, and Macquarie does not endorse nor make any representations regarding these policies and practices.  Accordingly, Macquarie is not liable or responsible for the content, privacy policies and practices or any other matter related to the third-party websites for which we provide links.

NetRatings

NetRatings website measurement software is used to assist in tracking traffic patterns to and from Macquarie’s website.  The NetRatings system anonymously surveys users of the website.   The NetRatings system collects information such as the number of unique visitors, how long visitors spend on the website, and common entry and exit points into and from the website.
This non-personal information is collected and aggregated by NetRatings and provided to Macquarie to assist us in analyzing website usage. You cannot be identified personally from this information and no personal information is stored about you. NetRatings is obligated to comply with the Macquarie Mortgages USA Inc. Privacy Policy for purposes of the information it collects from our website.. For further information about NetRatings, go to the NetRatings website.

• Please Note: NetRatings website measurement uses cookies which are provided by a NetRatings website:"imrworldwide.com".

DoubleClick Ad Management

Macquarie uses pixels, or transparent GIF files, to help manage our online advertising. These GIF files are provided by our ad management partner, DoubleClick. These files enable DoubleClick to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The cookie was placed by us, or by another advertiser that works with DoubleClick. The information that we collect and share from these cookies and DoubleClick’s Spotlight technology is anonymous and not personally identifiable to you. DoubleClick is obligated to comply with the Macquarie Mortgages USA Inc. Privacy Policy for purposes of the information it collects from our website. For more information about DoubleClick, including information about how to opt out of these technologies, go to DoubleClick's privacy policy