Privacy Policy

Introduction

Ocean Mortgage Capital, Inc.  ("OMC" or "we, us, and our") respects and values your privacy and we are dedicated to sharing our methods and approach to protecting your personal information with you in this policy (“Privacy Policy”).

Our Privacy Policy along with our Terms of Use describes the personal information that OMC collects from you, or that you provide to us on this Internet website ("Website") and that may be used or shared by us to provide you with information, experiences or services. This Policy also describes how we use Cookies. Please read this Privacy Policy carefully. By using our Website, you consent to our collection and use of your information as described in this Privacy Policy. This Privacy Policy may change from time to time (see section titled “Changes to our Privacy Policy” below) and your ongoing use of this Website will be deemed your acceptance of such changes, so please check this Privacy Policy regularly for updates.

If a broker-client relationship already exists between you and OMC, please refer to the separate terms that apply to your engagement of OMC for additional information about how OMC may use your information. This Privacy Policy is specific to this Website and does not apply to information we collect in any other format such as in person or on paper or through any other means. This Privacy Policy does not cover information collected by any other company, affiliate, or third-party site, or by any third-party application that may link to or be accessible from this Website.

Information We Collect About You

Depending on how you interact with our Website, we may collect several types of information from you, including:

  • Contact information, such as your name, address, email, company, phone number, and other related information requested on our online forms.
  • Your status as a client of OMC, now or in the past.
  • Details of transactions you carry out through our Website and of the fulfillment of your requests or orders. 
  • Information received from you on applications or other forms.
  • Information about your transactions with OMC, OMC's affiliates, or others.
  • Information received from a consumer reporting agency.
  • Your responses to surveys we may ask you to complete for research purposes, although you have no obligation to respond to them.
  • Records and copies of your correspondence, if you contact us.
  • Information we receive from third parties, for example, our business partners, suppliers and vendors that provide services such as webinars, videos, training materials, books and other services.

We may also collect details of your visits to our Website, including, but not limited to, traffic data, location data, logs and other communication data, and the resources you use, as well as information about your computer and internet connection, including your IP address, operating system and browser type, for system administration and to report aggregate information.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who engages our financial services. We will ask for your name, address and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents. 

Cookies

We also obtain information about your use of our Website by using cookies. Cookies are small text files that are stored on your computer when you visit web pages. The owner of the cookie (who may not be directly connected to the web page that set it - see "Third Party Cookies" below) can access the information that is stored in that cookie when you view web pages that include the cookie owner’s code. Cookies are widely used, are necessary for the correct function of many websites, and can enrich the user experience. They may also be used to track user behavior.

We use different types of cookies to help us improve our Website and deliver a better and more personalized service by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Recognize you when you return to our Website.

We use cookies to help deliver our website content and some of these cookies are essential for the functioning of our website. For example, we use cookies to help resize images for mobile browsers, to indicate if users have javascript, or to help us display videos on the website.

Third Party Cookies

We may allow carefully-selected third parties to place cookies via our website. These are cookies that are owned by external organizations. An example is Google Analytics, which we may use to track your use of our Website. This tracking is anonymous and the data is used so that we can understand how our website is used and how to improve the experience that we offer our visitors.

Ways to Manage Cookies

You may control or disable cookies in your web browser. How you disable cookies depends on which browser you use. All modern browsers allow you to change your privacy settings to prevent websites from planting cookies.

These settings will typically be found in your browser’s “options” or “preferences” menu or by using the 'Help' option. In order to understand these settings, the following links may be helpful.

Be advised that, if you configure your browser to refuse to accept cookies, you may be unable to access certain parts of our Website or it may not function as intended.

Consent to Cookies

We use cookies to improve your overall web experience. By using our website you consent to our use of cookies in accordance with this Privacy Policy. If you want to withdraw your consent for us to use cookies, you will need to delete your cookies using your Internet browser settings.

How We Use Your Information

We may use information that we collect about you or that you provide to us in the following ways:

  • To contact you and qualify you for certain loan product(s).
  • To provide products and services or information about products or services.
  • To provide your information to a lender or lenders in order to qualify you for a certain loan product or products.
  • To provide you with marketing communication, news, and other information.
  • To improve products and services.
  • To respond to your requests for proposals or information.
  • To allow you to subscribe to our news-feeds, blogs, and emails.
  • To provide you with invitations to seminars, conferences, and/or other engagements.
  • To provide video and/or training information for your reference.
  • To enhance our Website offerings and capabilities.


Disclosure of Your Information

We may disclose personal information that you provide via this Website to the following third parties:

  • Financial and non-financial service providers and companies.
  • Third parties who perform marketing services on behalf of OMC or one its divisions or others with whom OMC has a joint marketing agreement or arrangement
  • Consumer reporting agencies.
  • Our subsidiaries, affiliates and joint venture partners, if any.
  • Contractors, vendors and service providers we use to support our business and this Website.
  • In the event of merger, acquisition, or any form of sale of some or all of OMC's assets, in which case personal information we collect via this Website will be among the assets transferred to the buyer.

We may also disclose your personal information to third parties to:

  • Comply with any court order or other legal obligation.
  • Enforce or apply our terms of use and other agreements.
  • Protect the rights, property, or safety of OMC, our clients, customers, employees, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection, information security and other related matters.

Protection of Your Information

We have implemented reasonable measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Unfortunately, the transmission of information via the Internet is not completely secure. Although we try to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk.

Children Under the Age of 13

This Website and the nature of our services are not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. If you are under 13, do not attempt to register on the Website, make any purchases through the Website, or send any personal information about yourself to us, including your name, address, telephone number or email address.

Notice to Persons Accessing this Website Outside the United States

If you reside outside the United States, any information you provide to us on this Website will be transferred out of your country and into the United States. If you do not want your personal information to leave your country, please do not provide such information to OMC and do not use our Website. By providing personal information to OMC, you explicitly consent to the transfer of your information to the United States and/or other countries.

Third Party Websites and Social Media

This Website may contain links to third party websites, including social media sites such as Facebook, Twitter, and LinkedIn. These third-party websites are not part of our Website. OMC does not make any representations or warranties regarding any third-party websites. These third-party websites might have privacy policies different from those of OMC. We advise you to review the privacy and security policies of all third-party websites before you share any personal information. OMC is not responsible for any losses or damages in connection with the information, security, privacy, down time, content or accuracy of materials of any third-party websites.

Be aware that any information that you contribute to social media sites may be visible to others. You should never share or post personal, financial or sensitive information or any information you expect to be treated confidentially through those websites.

Contact Information

If you have further questions or comments with respect to this Privacy Policy, or our privacy practices, or you wish to access or amend your information, please write to: info@oceanmortgage.com.

Changes to Our Privacy Policy

OMC reserves the right to amend this Privacy Policy at any time, for any reason, without notice. You should check our Website regularly to view our current Privacy Policy that is in effect and any updates that may have been made to it. The provisions contained herein supersede all previous notices or policies regarding our privacy practices that govern this Website. With regard to the most current version, the date this Privacy Policy was last revised is identified at the bottom of this web page.

Last updated: May 30, 2019