MDO Mortgage Privacy Policy

Effective Date: 11/16/2022

We take our clients’ privacy very seriously. We understand that your privacy is important. This Privacy Policy describes how we collect and use the personal information that we collect about you on www.mdomortgage.com (the “Website”).

By continuing to use the Website, you agree to this Privacy Policy and the collection, use, disclosure, and storage of your personal information as described by this Privacy Policy.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history, and other financial information.
Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances, and account activity.
Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports, and other information relating to your creditworthiness.
From employers and others to verify the information you have given to us. Examples of information provided by employers and others include verifications of employment, income, or deposits.

We also automatically collect certain information related to you and your activities on the Website when you visit the Website. This information includes information such as your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us.

Cookies and Other Tracking Technologies

Our Website uses cookies and other tracking technologies, such as web beacons (otherwise known as pixel tags). A “cookie” is a small file placed on your computer that helps us to recognize your browser. We use both first and third-party cookies and tracking technologies on the Website. These cookies and tracking technologies may collect your personal information. We may use cookies and tracking technologies to monitor how the Website is used, customize content, serve advertisements and evaluate the effectiveness of our advertising campaigns, identify problems with the Website, improve the Website, analyze Website traffic and other analytics purposes, monitor the security of the Website, and gauge the effectiveness of our communications. Most web browsers allow you to adjust your preferences to reject cookies or to receive notifications before they are placed. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

How We Use Collected Information

We use personal information and anonymous information for the following purposes:

To complete and fulfill your loan application.
To respond to and fulfill your requests.
For our marketing efforts, such as sending you marketing communications that we believe may be of interest to you.
For our business purposes, such as for analysis and to develop of new products and services;
To improve the Website and for analytics purposes; or
For any other purpose to which you consent.

The Fair Credit Reporting Act gives you the opportunity to limit the sharing of “non-experience information” among our affiliates. “Non-experience information” includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance, or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:

From your applications, such as your income or marital status
From a credit report, such as your credit history
From sources used to verify representations made by you, such as your open lines of credit or employment history

How We Share Personal Information

We will only share personal information with third parties as this Privacy Policy describes. We may share personal information with third parties:

Such as vendors who provide employment verification, degree verification, title, document import, or other necessary services;
Such as to other partners with which we have marketing arrangements or to others that may want to provide information to you about the products and services that they offer (unless you’ve opted out);
For any purpose to which you expressly consent.
To protect our rights or the rights or safety of others; and
As may be required by law or regulation.

We limit the information that we send service providers and require that our service providers only use shared personal information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared personal information.

For example, after you authorize us to verify your credit history, we send the minimal set of information needed (potentially including your social security number) to ensure we are requesting the correct record in an encrypted form to the relevant credit bureaus with the sole purpose of retrieving your credit report and associated credit history data. We would not send the same level of information to a service provider where it is not essential to perform their services.

Access to and Control Over Information

You may opt out of any future marketing contacts from us at any time. You can do the following by contacting us at 617-233-3097 or by sending an email to diego.osorno@mdomortgage.com

See what data we have about you, if any.
Change/correct any data we have about you.
Delete any information about you that we are not required by law to keep; and
Express any concern you have about our use of your data.

How We Protect Personal Information

We use reasonable physical, technical, and administrative security measures to protect the personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For example, we use encryption technologies when transmitting information to and from the Website and with our third-party service providers.

Links to Other Websites

The Website may contain links to third-party websites, such as social media websites. This Privacy Policy is only applicable to this Website, and we have no control over these third-party websites’ information practices. Please be sure to review these third-party websites’ privacy policies before visiting these third-party websites.

Children’s Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use personal information from children under the age of 13. If we become aware that a child under the age of 13 has submitted personal information to us through the Website, we will immediately delete such information.

Updates to this Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be immediately effective upon the posting of the updated policy. Your continued use of the Website after these updates are posted represents your consent to the terms of the new Privacy Policy. Please regularly check this Privacy Policy for any such updates.

Sharing Personal Information

We may disclose your personal information to a third party for business purposes. We limit the information that we send service providers and require that our service providers only use shared personal information to perform the services requested in accordance with our Privacy Policy and have adequate security measures in place to protect any of your shared personal information.

We may share personal information with third parties:

Such as vendors who provide employment verification, degree verification, title, document import, or other necessary services;
Such as our subsidiary and affiliated businesses that provide quality services or products you may be interested in;
For any purpose to which you expressly consent.
To protect our rights or the rights or safety of others; and
As may be required by law or regulation.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically (provided we can do so securely). Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.

Contact Information

If you have any questions or comments about this Privacy Notice or our privacy practices, please do not hesitate to contact us at:

Phone: 617-233-3097
Email: diego.osorno@mdomortgage.com