This privacy statement describes how Minute Mortgage collects and uses the personal information of users and visitors of our website (“user”, “you”, or “your”): www.minutemortgage.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
Minute Mortgage is committed to protecting your non-public personal information at all times. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your non-public personal information is protected.
Our websites are not designed to appeal to children under the age of 18 as our business is financial in nature. We don’t knowingly attempt to solicit or receive any information from children.
We primarily collect information by specifically requesting it from you. Generally, this occurs when you register at our website or request information or a service. Usually, we and our service partners use your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us.
We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you that you provide or give consent.
An IP address is a unique number that is automatically assigned to your computer whenever you are using the Internet so that your computer can be identified by internet service providers to display webpages. This allows us to identify and gather general information and data about you, such as the webpages you view.
Minute Mortgage uses a variety of third-party services to help provide the most streamlined and user-friendly website possible. We also use third parties such as Google Analytics to help us understand how our visitors use our website. These third-parties may collect certain information from your browser (i.e. using cookies and/or your IP address), and may tailor your ads so that you see Minute Mortgage advertisements on other websites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third-party partners, visit the Network Advertising Initiative at www.networkadvertising.org/choices. If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked.
We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
Our third party service provider employs a software technology called clear gifs (a.k.a. web beacons/web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We tie the information gathered by clear gifs to our customers’ personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
In case you change your mind or some information changes, we will try to provide a way to correct or update the information that you give us. You may update or delete your information at any time prior to completing your application. Once the application is submitted, you will not be able to change any of the information online. We also give you the opportunity to control the communications we direct to you. If you wish to update information or object to any usage provided herein for any reason, you may email the requested change to Compliance@MinuteMtg.com. We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
The security of our users’ information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. Minute Mortgage uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.
Online applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to Minute Mortgage.
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.
If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.
Minute Mortgage requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.
While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:
Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Minute Mortgage. Instead, go directly to our website, ensuring that the URL begins with https://www.minutemortgage.com.
As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:
Our site includes links to other websites whose privacy practices may differ from those of Minute Mortgage. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at Compliance@MinuteMtg.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Minute Mortgage.
You can contact us by mail at:
8388 E Hartford Dr, Ste 111
Scottsdale, AZ 85255
One component of our online security system is our Secure Socket Layer (SSL) encryption. When you visit pages requesting or presenting sensitive personal or financial data, we will encrypt the information, preventing third parties from accessing it in transit. (Look for the lock icon on your browser.) We utilize 128-bit encryption in order to protect your personal information.
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Statement of MINUTE MORTGAGE and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. We may also make certain categories of personal information available to third parties, in order to receive certain services or benefits from them (such as when we allow third party tags to collect browsing history and other information to improve and measure our ad campaigns), including:
We disclose your personal information for a business purpose for the following categories of third parties:
In the preceding twelve (12) months, we have not sold personal information about California residents.
Minute mortgage and other parties not affiliated with us may collect personally identifiable information about your online activities over time and across different websites when you use our website or the services offered on our website. We do not have any protocol that offers you the choice to opt-out of internet tracking. At present time, the minute mortgage website is unable to respond to “do not track” signals from your internet browser. If you have any questions regarding our internet tracking methods please email us at Compliance@MinuteMtg.com.
This Privacy Statement applies solely to your interactions with, and information collected through us. Once you leave our website, whether independently or via links, the privacy policies of the sites or applications to which migrate will apply. We have no responsibility or liability for the content or activities of any linked sites or applications.
California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.
Do-Not-Sell: California residents have the right to opt-out of the sale of their personal information. We will not sell personal information about California residents who we know are younger than 16 years old without opt-in consent. In the preceding twelve (12) months, we have not sold personal information about California residents.
Initial Notice: We are required to notify California residents, at or before the point of collection of their personal information, the categories of personal information collected and the purposes for which such information is used.
Request to Delete: California residents have the right to request deletion of their personal information that we have collected about them and to have such personal information deleted, except where an exemption applies including information that we preserve to complete real estate transactions and to comply with legal obligations associated with our business. We will respond to verifiable requests received from California residents as required by law.
Request to Know: California residents have the right to request and, subject to certain exemptions, receive a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance. California residents also have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including:
California residents may make a Request to Know up to twice every 12 months. We will respond to verifiable requests received from California residents as required by law.
Right to non-discrimination: The CCPA prohibits discrimination against California residents for exercising their rights under the CCPA. Discrimination may exist where a business denies or provides a different level or quality of goods or services, or charges (or suggests that it will charge) different prices, rates, or penalties on residents who exercise their CCPA rights, unless doing so is reasonably related to the value provided to the business by the residents’ data.
Financial incentives: A business may offer financial incentives for the collection, sale or deletion of California residents’ personal information, where the incentive is not unjust, unreasonable, coercive or usurious, and is made available in compliance with applicable transparency, informed consent, and opt-out requirements. California residents have the right to be notified of any financial incentives offers and their material terms, the right to opt-out of such incentives at any time and may not be included in such incentives without their prior informed opt-in consent. We do not offer such incentives at this time.
California residents may request from businesses with whom they have an established business relationship (1) a list of categories of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties during the immediately preceding calendar year for the third parties’ direct marketing purposes and (2) the names and addresses of all such third parties. To request the above information please contact us by writing to us under the “Contact Us” section above. We will respond to such requests within 45 days of receipt. We may change this Policy and will provide notice of changes through the website or by email. Your continued use of the website after notice constitutes your consent to the change. When you exercise these rights and submit a proper request to us, we will verify your identity by asking you for your email address, telephone number, and/or information about your account with us. We also may use a third-party verification provider to verify your identity.
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. 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. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
For all requests to know and/or requests to delete, contact us using one of the methods listed below. You may also designate an authorized agent to make a request for access or deletion on your behalf. We will respond to verifiable requests received from California residents as required by law.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (800) 725-8205
Attn: CCPA Compliance
8388 E. Hartford Dr., Suite 111, Scottsdale, AZ 85255