Privacy Policy.

Our website is intended for use by individuals over the age of 18 who are interested in learning more about the mortgage lending process and who are exploring a potential transaction with us regarding real property located within the state of Colorado.  Our website is not intended for use by individuals under the age of 18 without the permission of a parent or guardian, and we do not knowingly collect, either online or offline, personal information from persons under the age of 13.

We reserve the right to update this Privacy Policy at any time.  You agree to obtain annual notices of, and changes to, this Privacy Policy electronically by visiting our website.  Therefore, we encourage you to visit our website from time to time to ensure you are aware of any changes to our Privacy Policy.

For your convenience, we utilize hyperlinks on our website that provide direct access to other websites which are not under our control.  We are not responsible for, and this Privacy Policy does not apply to, the privacy practices of those other websites, or the companies that control those websites.  We do not endorse any other websites, the services or products offered on such websites, or any of the content contained on those websites.  We encourage you to seek out and read the privacy policy of each website that you visit.

If you initiate a transaction on a hyperlinked website, even if you reached that website using the hyperlink we provided to you, the information that you submit becomes subject to the privacy policy governing that hyperlinked website.  You should read the applicable privacy policy for that website to understand how your personal information is used and how it is protected.

Articles on our website may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if you visited the other website. These other websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website. You should read the applicable privacy policy for that website to understand how your personal information is used and how it is protected.

We primarily collect personal information by specifically requesting it from you.  Generally, this occurs when you speak to us on the phone or when you decide to submit information to us electronically, either (a) directly through a website form, email, text message, voicemail, fax or other electronic communications systems or (b) indirectly through a third party point of sale system, loan origination system, document workflow management system or similar data collection system.  We may also obtain information from publicly available sources such as internet search engines, county tax records, or county property records.  In addition, when you visit our website, third party service providers may collect information about you and your interactions with our website.  We do not associate any information collected by these third party service providers with any information that we otherwise collect in the normal course of business.

Furthermore, if you choose to start the process of applying for a mortgage loan, we may collect personal information from certain third party data sources, such as credit reporting agencies, the Internal Revenue Service, the Social Security Administration, your financial institution(s), or your employer(s), as may be required in connection with processing your mortgage loan application.

An IP address is a unique number that is automatically assigned to your computer whenever you are surfing the Internet. Your IP address may be collected by third party service providers. If you have an account on our website and request a password reset, your IP address will be included in the reset email. We do not otherwise associate any personal information to your IP address.

When you leave a comment on our website we collect the data shown in the comments form, and your IP address and browser user agent string to help spam detection.  An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it.  The Gravatar service privacy policy is available here: https://automattic.com/privacy/.  After approval of your comment, your profile picture is visible to the public in the context of your comment.

If you upload images to our website, you should avoid uploading images with embedded location data (EXIF GPS) included. Other users of our website may be able to download and extract location data from images on our website.

A cookie is a small text file that is stored on a website visitor’s computer for record-keeping purposes.  The use of cookies by third party service providers is not covered by our Privacy Policy.  We do not have access or control over these cookies.  If you reject cookies, you may still use our website, but your ability to use some areas of our website may be limited.

If you leave a comment on our website, you may opt-in to saving your name, email address and website in cookies.  These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.  If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies.  This cookie contains no personal data and is discarded when you close your browser.  When you log in, our website will also set up several cookies to save your login information and your screen display choices.  Login cookies last for two days, and screen options cookies last for a year.  If you select “Remember Me”, your login will persist for two weeks.  If you log out of your account, the login cookies will be removed.  If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited.  It expires after 1 day.

We use Google Analytics, a web analytics service provided by Google, in order to better understand your use of our website.  Google Analytics collects and reports information such as how often users visit a website, what pages you visit, how long you view pages you visit, and what other websites you may have used prior to reaching our website.  We do not combine or otherwise associate the information collected through Google Analytics with any personal information that you provide to us.  Google Analytics may utilize a permanent cookie on your web browser to identify you as a unique user the next time you visit a website.  Google utilizes the data it collects to track and examine the use of our website, to prepare activity reports for us, and may also share data with other Google services.  We encourage you to review the Google Privacy Policy and Terms of Service at:  https://policies.google.com/

We may utilize other third-party service providers to enhance our users’ website experience.  These service providers may collect certain information from your browser using cookies, IP addresses, and/or other commercial tracking technologies, and may use that information to customize the content that is presented to you.  If you prefer, you can adjust your privacy settings in your browser so that these services cannot track your information.  The collection of data by third party service providers is not covered by our Privacy Policy.

Any information that you choose to submit to a social media platform is at your own risk, without any expectation of privacy, and subject to the terms of use of such platform.  We cannot control your or others’ use of social media platforms and we are not responsible for any information that you publish, or that is published by other users.  We encourage you to review the applicable privacy policy and terms of use of any such social media platform prior to interacting with the platform.

We may use the information we collect for the following purposes:

• • To respond to your requests regarding potential mortgage loan transactions;
  • To complete and fulfill your mortgage loan application;
  • For our marketing efforts, such as to send communications that may be of interest to you;
  • For our business purposes, such as for business analysis or regulatory reporting; or
  • To improve the usability of our website.

Furthermore, we may share personal information with third parties as follows:

• • With vendors who provide services that are coincident with the mortgage loan application and fulfillment process;
  • With vendors who provide services in support of our marketing efforts or other reasonable business purposes;
  • To validate electronic information you provide is not spam or other forms of unsolicited communication;
  • To protect our rights or the rights or safety of others; and
  • As may be required by law or regulation.

Except as set forth in this Privacy Policy, we will not use, disclose, or transfer your non-public personal information unless:

• • it is necessary to allow our service providers, agents, or other third parties to provide services to us, or to help us provide the services we offer to you and our clients or prospective clients;
  • it is reasonably prudent to protect the confidentiality or security of your non-public personal information;
  • we are required to do so in order to comply with law enforcement, governmental mandate, or other legal requirements;
  • we are otherwise permitted to disclose your information by law; or
  • you expressly authorize us to do so.

We will retain your information for a period of four (4) years, or longer if we continue to provide services to you, including services such as the ongoing monitoring of prospective opportunities with regard to your mortgage loan.  We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, or enforce our agreements.

 If you leave a comment on our website, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.  For users that register on our website (if any), we also store the personal information they provide in their user profile.  All users can see, edit, or delete the personal information maintained in their user profile at any time (except they cannot change their username). Website administrators can also see and edit that information.

If you would no longer like to receive communications from us, including email newsletters or other information that may be of interest to you, please utilize the opt-out feature at the bottom of any such email you receive and follow the instructions.  Alternatively, you may contact us directly to request that your email address and/or mailing address be removed from our marketing list(s) by calling us at 303-284-2592 or submitting a request via our ‘Contact Us’ webpage.

We use commercially available, industry standard technologies to protect your personal information within our organization in accordance with Federal Laws.  Please understand that no security technology is completely secure and the security of information transmitted or stored electronically cannot be guaranteed.  For example, email communication is normally not protected and has the potential to be intercepted and viewed by others.  Therefore, you should refrain from sending any non-public personal information via unsecured email.  If you believe the security of your interactions with us may have been compromised, please notify us immediately.

Columbine Mortgage LLC
44 Cook Street
Suite 700
Denver CO 80206