At 1st Mariner Mortgage , our commitment to protecting your privacy extends to our website. This Website/Online Privacy Statement supplements the comprehensive privacy statement that we provide to all of our customers and sets forth the additional procedures that we employ to protect your privacy online. This Statement is intended to help answer any questions that you might have concerning your privacy in connection with this website, and it describes the technological procedure that we have in place to safeguard any personally identifiable information that we collect about you online.

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow us to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

What is 1st Mariner Mortgage’s policy regarding the collection of information from those who visit this website?

• Browsing and Using Financial Planning Tools
If you are just browsing this website, or using a financial planning tool, such as a Loan Calculators, we do not collect, capture, or retain any personally identifiable information about you. Our financial planning tools are designed to assist you in making decisions concerning our loan, refinance, and other products. We do not receive any of the information that you input into our calculators, demos, or other financial planning tools. We do, however, collect certain data that does not personally identify you. We use such data to track website usage, such as the number of hits, pages visited, and the length of user sessions, so that we can evaluate the usefulness of this website .

• Online Applications
We collect personally identifiable information about you if you fill out an application that we have made available online for a loan or other product that we offer, just as we would if you sent us your application through the mail. We will use this information to consider your request for a loan or other service. We may also provide this information to a third party, such as a credit reporting agency (if we considering you for a loan), or as otherwise permitted by you or by law. Please see our comprehensive privacy statement for further details — if you would like us to send you a copy, please call Customer Service at 1-888-561-2265 or send an email request to info@1stmarinerbank.com.

If 1st Mariner Mortgage collects personally identifiable customer information, does it do so on secure webpages?

Yes. We collect personally identifiable information about you only on secure webpages. There are two ways to determine whether or not the webpage you are visiting is secure:

1. Look at the address of the webpage being viewed. An “s” at the end of http indicates that you have accessed a secure server using SSL technology (defined below). Thus, any web page beginning with https:// is secure.

2. If you are using Microsoft Internet Explorer 5.5, Netscape Navigator 6.1 or a higher version of either of these browsers, look at the lower right hand corner of the browser’s window. A picture of a lock or key, depending on the browser, should be visible. If the lock is closed or the key is solid, you are visiting a secure web page. If the lock is open or the key is broken, however, the site you are visiting is not secure.

DO NOT INPUT PERSONALLY IDENTIFIABLE INFORMATION ON A WEB PAGE THAT IS NOT IDENTIFIED AS BEING SECURE.

What is SSL?
SSL is the abbreviation for an encryption technology called Secure Sockets Layer. SSL provides secure communications over the Internet by verifying that the server to which you are connected is the one it claims to be. It also encrypts all transactions between the parties.

What is encryption?
Encryption is the way in which information is scrambled when it is sent over the Internet. Your data is made indecipherable to any other party when encryption is used. The strongest form of encryption available over the Internet today is 128-bit. We currently accept 128-bit or higher encryption for security.

What are cookies?
Cookies are pieces of data assigned by a web server to the browser on your computer. Cookies help websites recognize return visitors. So, when you return to a website you’ve visited before, your browser gives this data back to the server. The site that has sent the cookie is the only one that can read the cookie. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personal information about you unless you willingly provide it as a user on a site.

Does this website use cookies?
Yes, although you can set your browser to reject cookies. If you do reject cookies, however, you may not be able to access or use all parts of this website. An alternative to rejecting all cookies is to reject cookies when you are browsing, but accept cookies when you want to use any of the special features of the website.

How do I reduce the chance that my information could be accessed by another person after I use a public computer?
If you access information via a public computer, such as at a public library, it is important that you properly log off each interactive feature on the web site that you have visited, such as loan calculators. This will help ensure the security and privacy of your visit.

About Children’s Privacy
1st Mariner Mortgage's website is not designed to attract children under the age of 13 and it does not knowingly capture personal information about children.

Does this website link to other websites?
You may be able to link to other websites from this one. Be advised, however, that we do not control how the owners of other websites use information that you might provide to them, and we are not responsible for the privacy and security of these sites. We urge you to review the privacy policy of each website you visit before you provide them with any personal information. Any links from 1st Mariner Mortgage’s website to other websites are intended to benefit you by providing quick access to products and services of others that may be of interest to you. These third-party websites are unrelated to 1st Mariner Mortgage and their owners/operators are solely responsible for such sites and for the quality of the products and services that they may offer through their websites. Consequently, VAMortgage.com disclaims all liability for any third-party providers and for the fitness of their products and services.

YOUR USE OF ANY LINK FROM THIS WEB SITE TO A THIRD-PARTY WEB SITE EVIDENCES YOUR AGREEMENT THAT YOU WILL NOT HOLD 1ST MARINER MORTGAGE LIABLE FOR ANY CLAIM ARISING OUT OF YOUR USE OF, OR ANY PRODUCTS OR SERVICES THAT YOU OBTAIN VIA, THE LINKED THIRD-PARTY WEBSITE.

Email
We invite visitors to our site to use email to inquire or comment about our products and services. The information included in your email and our responses is not secure. Additionally, we may retain copies of these email messages, our response, and your email address for a limited time for quality control purposes or to meet legal and regulatory requirements.

Restricted Access to Information/Contact Us
We are committed to protecting your privacy and the security of the information that you share with us. We restrict access to personally identifiable information about you to those employees who need to know that information to provide you with the products or services that you have requested (or to third parties as described above). If you have any questions or concerns about your privacy in connection with this website, or if you would like us to send you our most current comprehensive Privacy Statement setting forth our policies concerning the sharing of customer information with affiliates or non affiliates, please call Customer Service at 1-888-561-2265 or send an email request to info@1stmarinerbank.com

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

For our full Privacy Statement from our parent company 1st Mariner Bank, please click here.

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1st Mariner Bank - NMLS: 408251
3301 Boston Street
Baltimore, Maryland 21224
Phone: (888) 561-2265
Email: info@1stmarinerbank.com

 

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Certain restrictions apply. Loan approval subject to borrower qualification, completion of application and verification of homeownership. Rates and programs are subject to change without notice. Satisfaction of credit qualifications and occupancy. Loan pricing can only be locked through a home mortgage consultant. This collateral piece is provided as a convenience, does not serve as a substitute for a borrower's actual loan documents, and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. While we believe these products could be beneficial to you, there may be other mortgage products we can offer you for which you may qualify. We would also be happy to discuss those options with you. For more helpful information about residential mortgage products, please visit http://www.1stmarinerbank.com/loanoptions.