Updated: 2016 Dec 21
This privacy statement describes how Wallick & Volk, Inc. collects and uses the personal information you provide to us on our website: www.wvmb.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.
Wallick & Volk, Inc. is committed to protecting consumers' and borrowers' non-public personal information at all times. To that end, we employ and maintain extensive physical, electronic, and procedural safeguards to ensure your non-public personal information is protected as a client of Wallick & Volk, Inc. In addition, we monitor technical enhancements and practices in the field of information security and privacy to ensure our safeguards remain an effective tool in protecting your non-public personal information.
You provide this non-public personal information to us so that we may help meet your mortgage-related goals. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you, and enhance the client service we provide to you by better understanding your financial needs and preferences.
This information may include:
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. Personally identifying information about you is only collected if you decide to sign up for an account with us, and/or apply for a loan through us.
We use both session ID cookies and persistent cookies. We use session 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. We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.
Wallick & Volk, Inc., or one of its third party service providers, may employ a software technology called clear gifs (a.k.a. pixel tags), to collect or receive information from our website(s) or elsewhere on the internet. This information is used to provide measurement services and targeted ads that help us better manage the content on our site(s) and the effectiveness of advertising efforts. These are 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 a period. The information gathered by clear gifs is tied to our clients’ personally identifiable information.
Clear gifs may also be utilized in our HTML-based emails to let us know which have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
Wallick & Volk, Inc., understands that you may choose to opt-out of online behavioral advertising served on our websites or on other sites that you visit.
Please be aware that even if you opt-out, you will still see ads online, and in some cases data may be collected about your browsing activity, but companies will not use this information to select the ads you see online.
If your personally identifiable information changes, or if you no longer desire our service, you may request us to correct, update, delete, or deactivate it by emailing our Client Support at firstname.lastname@example.org. 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 retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may disclose non-public personal information about you to the following types of affiliates (within the Wallick & Volk, Inc. family of companies) and non-affiliated third parties (outside the Wallick & Volk, Inc. family of companies): Financial service providers, such as mortgage lenders, mortgage bankers, banks, securities brokers, tax preparers, financial advisors and insurance agents.
We may also disclose non-public personal information about you to affiliated and non-affiliated third parties as permitted by law. Affiliates and non-affiliated third parties that receive your non-public personal information agree to keep that information confidential and to use it for only the function that we ask them to perform.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing or purchaser or seller agreements.
We restrict access to non-public 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 information.
Wallick & Volk, Inc. shares non-public personal information:
Our Site includes links to other websites whose privacy practices may differ from those of Wallick & Volk, Inc. 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(s) offer publicly accessible blogs. 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, please contact us at email@example.com, or call 1-800-280-8655. In some cases, we may not be able to remove your personal information. If this occurs, 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 to the following:
The information sharing practices described above are in accordance with Federal law. State law in California places additional limits on sharing information. In accordance with these laws, Wallick & Volk, Inc. will not share information we collect, except:
Wallick & Volk may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
You can contact us by mail at:
Wallick & Volk, Inc.
Attn: Compliance Officer
222 E. 18th Street
Cheyenne, WY 82001