Privacy Policy

The policy statement immediately below is posted on the company’s website. Because the Graham Leach Bliley Act has a standard disclosure to be used during loan origination and because this standard form is generally required by lenders and is available in a form accepted as both compliant and for use during origination, the privacy statement disclosed to prospective borrowers differs in form from the privacy policy stated below; but is substantially the same with respect to substance.

Cottingham Mortgage Inc.’s Posted Privacy Policy

This privacy policy governs the use of information by Cottingham Mortgage Inc. as collected on www.cottinghamloans.com ("Website"). The example of the company’s web-based privacy notice applies to information collected by the company’s web site.

Cottingham Mortgage Inc. is committed to security and privacy of the personal information. This privacy policy applies to that information that you submit via this website, and that Cottingham Mortgage Inc. receives via this website. It does not apply to the practices of businesses and people with which we have no affiliation or control.

While using this site, you may click a link which brings you to a site not controlled nor owned by Cottingham Mortgage Inc. In this case, you should review the policies of that site. This Cottingham Mortgage Inc. policy should not be taken to apply outside of www.cottinghamloans.com.

Information Collection, Use, and Sharing

Cottingham Mortgage Inc. collects personal information ("Information") from you through e-mail, forms, and other methods located on our website. This Information is collected only if you choose to submit it, and in submitting it you agree to have the Information handled in accord with this policy. This Information may include names, social security numbers, e-mail addresses, phone numbers, home data including pricing and outstanding loans, and other data as requested or provided.

Cottingham Mortgage Inc. takes the privacy of your information seriously. We will share your information only among our company and its affiliates and/or commonly owned companies, and may do so for any business reason. We do not sell or transfer your information to any unrelated third party, except as provided for herein.

Subscriber Name will use your Information in order to fulfill your request. As such, information may be shared as necessary with third parties including:

  • Appraisal companies

  • Credit agencies

  • Mortgage insurance companie

  • Title and escrow companies or Hazard Insurance Companies

  • Lenders

Subscriber Name will not otherwise share the Information which you have provided.

Your Access to and Control of Information

You may opt out of any future contacts from us, or change the information we have on file for you, at any time. You can do the following at any time by contacting us via the mailing address, email address or phone number given on our website:

  • See what data we have about you, if any.

  • Change/correct any data we have about you.

  • Have us delete any data we have about you.

  • Express any concern you have about our use of your data or its security

We Take Precautions To Protect Your Information.

When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as a social security number), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers and servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately at the address, telephone number or email address below.

Browsing the Website

As you browse the Website, we may record certain data about your visit. This data does not include any personally identifiable information, and cannot be traced back to you unless you choose to identify yourself and/or your access history. Data collected may include your IP address, operating system, browser type, time, date, and page visits, where you came from, and other such non personal information. We may also place "cookies" on your computer. These help us in tracking your use of the Website, and do not collect any personally identifiable data about you. If you choose to reject these cookies, certain functions of the Website may be unable to operate.

Legal Requirements

Subscriber Name may disclose any and all information as required by law or legal action. Subscriber Name may also do so in the good-faith belief that disclosure is necessary or required by law or legal process.

This Policy May Change

This privacy policy may change at any time, for any reason, and without notice. It is your responsibility to check this policy often to ensure that you are aware of our latest policies.

Cottingham Mortgage Inc.
P.O. Box 943
Sebastopol, CA 95473
707-823-6646