Privacy Statement

Reflections Mortgage Services, LLC, Ocala, Florida understands the importance of protecting your privacy in a professional and confidential manner. We know that our customers expect us to collect and retain personal and financial information responsibly. To that end, we know that privacy is an important consideration of our customer’s confidence in this company.

We strive to maintain information about our customers that is complete and accurate. We will gladly, upon the written request of any customer correct any of our information which the customer deems inaccurate, except in those instances where the information is furnished by third parties to us over whom we have no control. Later in this policy statement, the phone numbers of credit report providers will be specified under “Identity Theft”. These numbers are for your convenience in contacting those agencies in the event you become aware of any inaccuracy in those agencies files.

ACCESS:

Our employees, who need access to such information for business reasons, will be given access. Our employees and agents are thoroughly oriented about the importance of maintaining our customer’s privacy and confidentiality.

COLLECTING INFORMATION ABOUT YOU:

We collect nonpublic personal information about you from the following sources:

Information we receive from you on loan applications, or other forms. Also we may receive information orally from you.
Information we receive from third party companies, such as credit reports, real estate appraisals, employment or accounting information.
Information about your transactions with our affiliates, if any, others, or us.

We may share information with nonaffiliated third parties who are acting on our behalf. These may include mortgage wholesalers, bank lenders or appraisers. These entities are restricted from using this information for any reason other than the performance of the services they render on our behalf.

BROWSING OUR SITE:

You may browse this site anonymously if you desire if you are just visiting and not transacting business with us on line. We will not ask you for personal information unless it is necessary to complete a transaction that you request.

The various loan calculators, which are on this site, are valuable tools, which you may use to run different scenarios to determine which product or transaction is right for you. We do not save this information through our web site unless you submit it to us on line or in writing. If however, data is sent to us online or in writing, we may share this information with appropriate lenders on your behalf to determine the loan products available in your specific case.

LINKS TO OTHER SITES:

This site may contain links to other Internet sites. These links are provided for your convenience and use, but are not under our control in any manner. Therefore we are not responsible for the security of these links or sites.

E-MAIL:

Messages sent by you to us via e-mail may not be secure. We recommend that you do not send us any confidential information by e-mail. If you choose to do so, you accept the risk that a third party may intercept this information. Any of our online applications are protected by SSL encryption as provided by the site host and are accessed by officers of this company only.

RETENTION OF INFORMATION:

We retain information we receive from you or on your behalf in accordance with State regulations. After the information is no longer required to be kept, it is shredded.

IDENTITY THEFT:

Identity theft is a very serious problem, which continues to grow every day. If someone has fraudulently used your identity to establish credit, report the incident as soon as possible to each of the following credit reporting agencies listed below and ask that a fraud report be placed in your file:

Equifax: 800-525-6285

Trans Union 800-916-8800

Experian 888-397-3742

These numbers are provided as a courtesy, and this company is not affiliated with these agencies and has no control over them.