Between You or User & G. & M. Wolkenberg, Inc.
Please read this agreement ("Agreement") carefully before accessing or using this web site ("Site"). By accessing or using the Site, you agree to be bound by this Agreement. G. & M. Wolkenberg, Inc. and its suppliers provide the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site and accessing its content constitutes your agreement to all the terms, conditions and notices contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither G. & M. Wolkenberg, Inc., nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the Site.
G. & M. Wolkenberg, Inc. and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take or don’t take based on the information, services or other material on this Site. While G. & M. Wolkenberg, Inc. and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, G. & M. Wolkenberg, Inc., and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However, You may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and use in another Web page, use on any other web site, transfer or sell any information, products or services obtained from this Site. If and when requested by G. & M. Wolkenberg, Inc., you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of G. & M. Wolkenberg, Inc., you agree to refrain from accessing or attempting to access secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution. Individuals that violation these prohibitions will be prosecuted.
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by G. & M. Wolkenberg, Inc. and its affiliates. ©Copyright G. & M. Wolkenberg, Inc. 2012. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Site is permitted without the written permission of G. & M. Wolkenberg, Inc. and / or its affiliates.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless G. & M. Wolkenberg, Inc., that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and applicable federal and state laws. If you violate any of these terms, your permission to use the Site automatically terminates.
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, loss of money, material, equipment or data, neither G. & M. Wolkenberg, Inc., nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. G. & M. Wolkenberg, Inc., ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL G. & M. Wolkenberg, Inc., ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF G. & M. Wolkenberg, Inc., ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless G. & M. Wolkenberg, Inc., its affiliates and suppliers from any liability, loss, claim and expense (including attorney's reasonable fees) related to your violation of this Agreement.
LINKS TO THIRD PARTY SITES
CHANGES TO AGREEMENT
G. & M. Wolkenberg, Inc. may and can modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. It is your responsibility to review this Agreement periodically, and your continued access or use of this Site will be deemed to be your acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older and located within the United States of America. Accessing or using this website by any person under the age of 18 or from locations outside the United States is prohibited.
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of New York without giving effect to any principles of conflicts of law. Failure by G. & M. Wolkenberg, Inc. or its affiliates to strictly enforce any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) month after such claim or cause of action arose or be forever barred. Any legal action or proceeding between G. & M. Wolkenberg, Inc., and/or its affiliates and you related to this Agreement shall be brought in federal district court and/or by methods of mediation. You agree that the decision as to where to bring or hold these proceedings is at the sole discretion of G. & M. Wolkenberg, Inc., and/or its affiliates.
G. & M. Wolkenberg, Inc. logos, products and service names are trademarks owned by and licensed to G. & M. Wolkenberg, Inc., or its affiliates (the "Marks"). Without the prior written permission of G. & M. Wolkenberg, Inc., or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.
2. General Disclosures
In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
· Home Mortgage Disclosure Act
· Equal Housing Opportunity Lender
· Equal Credit Opportunity Act Fair Lending Notice
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 2838 Long Beach Rd, Oceanside, NY 11572 regarding the location of where our HMDA data may be inspected. To receive a copy of the data, send a written request to:
G. & M. Wolkenberg, Inc.
c/o Compliance Department
2838 Long Beach Rd., Oceanside, NY 11572
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
· In the sale or rental of housing
· In advertising the sale or rental of housing
· In the financing of housing
· In the provision of real estate brokerage service
· In the appraisal of housing
· Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
Fair Lending Policy
G. & M. Wolkenberg, Inc. is committed to fair lending practices. It is our policy to make credit products available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending.
G. & M. Wolkenberg, Inc. does not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any prohibited basis.
No High Cost Loans
G. & M. Wolkenberg, Inc. is also committed to not originate loans that would be considered “High Cost Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).
No Predatory Lending
G. & M. Wolkenberg, Inc.’s will not originate loans that have “Predatory” characteristics nature. We also do not require that borrowers purchase single paid, or life credit insurance premiums from G. & M. Wolkenberg, Inc..
All advertised rates are subject to underwriting approval. Not all applicants will be approved. Fees and Charges may apply. Minimum credit score of 740 required to be eligible for advertised rate. Full documentation & property insurance required. Loans secured by liens against your property. Consolidating debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance are not included in any payments advertised. Terms, conditions & restrictions apply. Your rate and term may vary. The only way to lock in a rate is to speak with a G. & M. Wolkenberg, Inc. employee and receive confirmation of lock-in. Recent advertised rates are subject to change without notice. Advertised rates are available on owner-occupied single-family residential properties. Call for further details.
Rates for purchase and refinance loans may vary. Fees and charges may apply. An advertised rate is not guaranteed and does not constitute an approval. Not all applicants will be approved. Minimum credit score requirement apply. Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. Taking cash or consolidating debt may increase time for approval, the rate, loan amount and the requirements of your loan. Rates may include discount points. Rates and terms may vary. You can only lock in a rate if you speak with a G. & M. Wolkenberg, Inc. professional. Minimum and maximum loan amounts apply. Rates are subject to change without notice. Taxes and Insurance are extra.
We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with G. & M. Wolkenberg, Inc. as a client.
Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers.
Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed.
We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site.
Website Visitor/User Information Sharing
We may at times share your information as a visitor or user of this Site to other third parties. These third parties may be non-affiliated companies. Other third parties may be companies that are acting or performing on our behalf.
This information sharing may either be done to serve you better, to offer products and services that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.
*Please see opt out details below if you wish to opt out of this policy.
Existing Customer/Previous Users
· Apply for a loan
· Inquire about a loan
· Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous G. & M. Wolkenberg, Inc. customers to:
· Run our everyday operations
· Respond quickly to your requests or needs
· Help us communicate with you
· Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
· Name, address, and other account application information
· Account balances, transactions, and payment history
· Identify information such as your social security number, license number, and date of birth
· Creditworthiness including credit history, credit reports and credit score
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.
We may also share some of this information with companies performing services on our behalf. These types of vendors are called service providers.
Benefits of sharing
We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition.
Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.
· About your credit worthiness with our affiliates
· To all non-affiliates to offer you their products and services
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a G. & M. Wolkenberg, Inc. customer you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.
If your past choices have not changed, you only need to tell us one time, as long as you remain a G. & M. Wolkenberg, Inc. customer.
Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.
Our policy is to treat customer information as we would want our own information treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.
Some of the steps we take to protect your information is securing all computer terminals with password protections, locking sensitive information in storage, shredding all documentation containing client information, and performing background checks on all employees.
We are committed to maintaining accurate and up-to-date information on you and all of our customers and web visitors. We may contact you from time to time to verify that we have accurate information for you or to update the information that we have.
How to contact us regarding this site:
G. & M. Wolkenberg, Inc.
2838 Long Beach Rd
Oceanside, NY 11572
Telephone: 516 536-2525
Policy Effective Date
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person's existing credit account information and purchases products and services at the victim's expense. Application Fraud occurs when an individual uses another's Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim's name.]
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.
If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.
To learn more about identity theft, visit the Federal Trade Commission's web site to receive further information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580
· New York: Licensed Mortgage Banker – NYS Department of Financial Services.
Licensed Mortgage Banker - NYS Department of Financial Services
NMLS ID #34763