Privacy Policy
At America West Financial(AWF) Our goal is to maintain your trust and confidence when handling personal information about you.
YOU HAVE CHOICES
As a AWF customer, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.
SECURITY OF PERSONAL INFORMATION
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive. Internet Privacy Policy We are committed to protecting and maintaining the confidence of our customers in the privacy of the information that they provide to us. Internet Privacy applies to personal information collected by America West Financial, Inc. through the websites that link to this privacy disclosure and the services provided through such websites (the “America West Financial Services”). The purpose of this notice is to explain how personally identifiable information (“Information”) that is collected through America West Financial Services may be later disclosed. Internet Privacy does not apply to information collected by third party websites, software or services (the “Third Party Services”) accessible through the America West Financial Services. Third Party Services are governed by the terms of use and privacy policies of the providers of such services. Categories of Personally Identifiable Information Collected We collect personal information in order to better understand the financial needs of consumers and to provide efficient and customized service. We do not collect personal information from consumers that are not our customers (“non-customers”) other than applicants for our mortgage products or consumers who may register for online services. Additionally, non-customers who receive promotional e-mail messages about our products and services may choose to stop receiving those messages at any time (opt-out). If you opt- out from receiving e-mail messages, we will retain your e-mail address solely for the purposes of facilitating your request. We collect information about customers through the applications we receive and from other sources. If you apply to become a customer of America West Financial, we may collect information about you, including:
* Information you provide on applications and other forms, such as your name, address, and telephone number;
* Information about your transactions with other AWF affiliates or nonaffiliated third parties, such as your account balances, payment history, and account activity; and
* Information received about you from other sources, such as your credit report and credit score.
For additional details about the information we collect about our customers and how it may be disclosed, please review “Our Privacy Notice”, which is provided shortly after your applications is submitted or no later than when your mortgage is closed or acquired from another lender. America West Financial Services may use devices on our websites known as “cookies,” graphic interchange format files (GIFs), web beacons, trackers, server logs and other similar web tools to collect information from users of America West Financial Services in order to
1. facilitate online registration,
2. optimize the performance of our websites,
3. provide a personalized and enhanced web experience to our customers, and
4. provide targeted marketing and customized services to our customers. For additional information about “cookies,” customers should refer to the section entitled "Information About Cookies" included in this notice.
Categories of third party entities with whom Information may be shared Nonaffiliated third parties are companies that are not part of the family of companies controlled by AWF. Information collected through America West Financial Services may be shared with several types of entities, including affiliates among the family of companies controlled by AWF, as well as nonaffiliated third parties, such as financial services providers and non-financial organizations, such as companies engaged in direct marketing. Specifically, we may disclose personal information about our customers to the following types of nonaffiliated third parties:
* Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance;
* Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services;
* Third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements; and
* Other third parties as permitted by law, such as disclosures necessary to process and service customer accounts, to protect against fraud, and to protect the security or confidentiality of our records.
Review and request changes to Information If you wish to review personal information provided in an online application, you can contact us to request a copy of the personal information you provided through our customer service numbers. There may be a charge for certain information that is requested. To protect your privacy, proof of identity or other authentication is required. If you are a America West Financial customer, you may review and request changes to your personal contact information such as address, telephone numbers, and e-mail information by logging in to your account and accessing your personal profile.
Notice of changes
From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
Effective Date
This policy was last modified January 2010.
Information About Cookies
A “cookie” is a small piece of information that a web server can store on the web browser of a visitor to a website, which enables the web browser to remember specific information that the web server can later retrieve. For example, cookies are sometimes used to store a visitor’s preferences or account password so that the visitor is not required to resubmit such information at each visit to the website. Cookies cannot be used to obtain data from a visitor’s hard drive, gain access to a visitor’s e-mail address or steal sensitive or personal information about a visitor. Personal information is only included in a cookie file when the visitor provides that information to a web server. A cookie can only be read by the server that established the cookie, other servers cannot view or steal the information in a cookie that a visitor has previously accepted. Computer viruses are not passed through the setting or use of cookies. Visitors may delete or disable cookies through their web browser. However, disabling or deleting cookies may cause unpredictable effects with respect to the customer’s experience of the America West Financial Services. Please consult your web browser documentation for additional information on disabling or deleting “cookies” and other security features provided through your web browser.