Privacy Policy

//Privacy Policy
Privacy Policy 2017-11-21T13:36:20+00:00

Privacy Policy

Date Effective: October 1, 2017

Our Commitment to your Privacy

The safety of your personal information is important—and Meridian Home Mortgage Corporation takes our customers' financial privacy very seriously. We have established this Privacy Policy to convey how we collect, secure, use and disclose your information as it relates to our services.

Most of the information we collect comes from our consumers via phone calls or our website through the application process. We also collect information from other sources, such as public records and credit repositories. During the course of processing your application, we may accumulate non-public personal financial information about your income, your assets, and your credit history necessary to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products and services to you.

We maintain physical, electronic and procedural safeguards designed to protect your information's security, confidentiality and integrity in compliance with applicable state and federal regulations. When you visit the Meridian Home Mortgage Corporation website, you are consenting to the use of information and the details of this Privacy Policy and any updates to it.

Children's Privacy

Our website is not designated for or directed to children under the age of 13. Personally Identifiable Information from any person we actually know is under the age of 13 is not collected.

Why and How We Collect your Information

Anonymous Information

Our website tracks usage data to not only personalize your experience, but also collect aggregate data to improve our site and offerings. Anonymous information collected during your browsing session includes your IP address, your browser type and version, your operating system and which page(s) you are viewing. Anonymous information does not identify you personally.

Personally Identifiable Information

Personally Identifiable Information is information that identifies you. During the online application process a wide variety of personal and financial data is collected. Such Personally Identifiable Information may include:

  • Debt Information (Credit Card/Loan Account Numbers and Balances)
  • Personal Information (Social Security Number, Address, Phone, Email, Salary, Employer, Occupation)
  • Demographic Information (Age, Birth Date, Gender)
  • Financial Information (Assets, Income, Expenses)

This information is used to apply for a loan or mortgage and you must provide the required Personally Identifiable Information on the corresponding online forms and physical documents.

Your personal information is used to provide you with services you have specifically requested and to inform you about other services or information you may be interested in. If you do not complete the online application, your information may be used for internal analysis. We do not sell or rent your personal information to anyone.

We will retain your information as needed to provide you with services. If you wish to cancel your application or request that we no longer use your information to provide you with services, you may contact us by submitting an online form. We will retain your information as necessary to comply with our legal obligations and resolve disputes.

Sharing Personal Information

Personally Identifiable Information about you, as well as email addresses, will be disclosed to third parties only as described in our Privacy Notice. We do not share, sell, rent or trade your Personally Identifiable Information with third parties for their promotional purposes. When Meridian Home Mortgage Corporation shares your personal information with vendors and service providers who perform functions on our behalf, we require that your information be kept secure and confidential.

Submitting Forms Online

Information you provide via electronic forms on the Meridian Home Mortgage website is secure and encrypted in most instances. Website pages that request Personally Identifiable Information are protected by GeoTrust 256-Bit Encryption. In other words, it is scrambled en route and decoded once it reaches Meridian Home Mortgage. You may check that your web session is secure by looking for a small lock symbol usually located to the left of the website address bar. Current versions of leading web browsers indicate when a web page is encrypted for transmission through this symbol. You may also look for the letters "https://" at the beginning of your website URL in your web browser. The "s" means that the web connection is secure.

Cookies and Monitoring

We use cookies—a small amount of data saved to your computer—to personalize your experience on the Meridian Home Mortgage website. Most internet browsers automatically allow for cookies to be stored and used. You can adjust your browser settings to notify you when you receive a cookie so you can decide to accept or reject it. By using our website, you agree to the use of these cookies for an optimal user experience.

When you use our website, your sessions may be monitored. We utilize web tools to collect information that will help us optimize our website, offers, forms and other features that will make our customers and visitors' experiences better. For example, we utilize Capturly. To opt-out or disable Capturly from recording your session, visit Capturly's Opt-Out page.

EU users: We only conduct business in the United States of America.

Email Communication and Email Opt-out Policy

Email sent within the meridianhm.com website is secure. However, email sent to us through other means may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. Therefore, we ask that you do not send confidential information such as social security or account numbers to us via an unsecured email. Such communications should be sent to us via postal mail or you may call 1-877-878-0100 or visit one of our branches.

If you prefer that we do not send you email communications, you may opt-out of those services. That is, you may direct us not to use your email address as part of our marketing efforts. If you wish to opt-out of email communications, you may do so by replying to an existing email with your request to be removed from the mailing list or visiting our opt-out page here.

Social Media Policy

Meridian Home Mortgage Corporation has a social presence on several social media sites to connect with and market to our consumers and public. Interactions on social media networks (e.g. Facebook, Twitter, LinkedIn, etc.) are subject to the privacy policies and terms of use of those websites.

Due to the public nature of social media websites, do not share your personal and confidential information over these websites. In particular, interactions with Meridian Home Mortgage's company pages through comments or responses are largely public, which can be viewed and archived by third-parties. Instead, you should contact Meridian Home Mortgage and our Loan Officers directly through email, phone or our secure website.

Remarketing Policy

Meridian Home Mortgage Corporation's website uses the Google AdWords remarketing service to advertise on third-party websites, including Google, to consumers who have previously visited our website. "Remarketing" refers to a service that helps us reach out to our website visitors—regardless of whether or not they apply or receive a loan from us.

This also applies to when visitors conduct a search on Google using keywords related to our services or website content. Any data collected will be used in accordance with our own privacy policy and Google's privacy policy. You can set preferences for how Google advertises to you or opt out of interest-based advertising using the Google Ad Preferences page. You can also visit the Network Advertising Initiative's opt-out page to opt out of a third-party vendor's use of cookies.

Disclosure for California Users: Online Tracking

When a visitor or customer uses and interacts with our website, Meridian Home Mortgage Corporation may collect Personally Identifiable Information and anonymous information about your online activities over time and across different websites. When a visitor or customer inputs personal information into the Meridian Home Mortgage Corporation website, we do not allow other parties to collect this information. We do not allow other parties to collect Personally Identifiable Information about consumers' online activities over time and across different websites when the consumer uses our website.

Website users may opt-out of specific services by using the opt-out pages mentioned in the Cookies and Monitoring, Email Communication Opt-out Policy and Remarketing Policy sections of this Privacy Policy.

Amendments

If we decide to change this Privacy Policy or email practices, we will post those changes on our website so you are always aware of what information we collect, how it is used, and under what circumstances, if any, it is disclosed. If at any point Personally Identifiable Information will be used in a manner significantly different from that stated in this Privacy Policy, or otherwise disclosed to you, at the time it was collected, we will prominently post any changes on our website for 30 days prior to any change. We may also make non-significant changes to our Privacy Policy that generally will not affect our use of your Personally Identifiable Information. If you do not agree to the terms of this Privacy Policy, you should refrain from using our website.

Questions?

If you have questions regarding the Meridian Home Mortgage Corporation website's privacy policy, our information practices or other aspects of how we approach and respect privacy, contact us by submitting an online form or by writing to us at Meridian Home Mortgage Corporation, 410 Meadow Creek Drive, Suite 213, Westminster, MD 21158. You can also call our office at 877-878-0100.