Privacy

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Privacy Policy

Terms and Conditions

Do Not Call and Automated Messages Policy

Privacy Policy


Purpose and Overview

Mann Mortgage, LLC (“Mann Mortgage” or “Company”) provides customers with a privacy notice that clearly describes the Company’s practice of collecting, protecting, and sharing customer’s nonpublic personal information (“NPI”) with affiliates and third parties at the time that a customer relationship is established.

Policy

Mann Mortgage is required to provide an initial privacy notice when customer establishes a relationship with Mann Mortgage by providing any personally identifiable financial information in an effort to obtain a mortgage loan.

Mann Mortgage also sends annual privacy notices to their customers during the continuation of the customer relationship, if applicable. Annually means at least once in any period of 12 consecutive months during which that relationship exists. Mann Mortgage does not sent privacy notices after the relationship with the customer has ended.


Mann Mortgage provides privacy notices and opt-out notices so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. The notice can be hand-delivered, mailed, or sent electronically. Mann Mortgage provides the initial privacy notice and the opt-out notices simultaneously.

The Notice includes:

  1. The categories of NPI that Mann Mortgage collects;
  2. The categories of NPI that Mann Mortgage discloses;
  3. The categories of affiliates and nonaffiliated third parties to whom Mann Mortgage discloses NPI;
  4. The categories of NPI about former customers that Mann Mortgage discloses and the categories of affiliates and nonaffiliated third parties to whom Mann Mortgage discloses NPI about former customers,;
  5. If Mann Mortgage discloses NPI to a nonaffiliated third party, a separate statement of the categories of information Mann Mortgage discloses and the categories of third parties with whom you have contracted;
  6. An explanation of the consumer’s right under §1016.10(a) to opt out of the disclosure of NPI to nonaffiliated third parties, including the method(s) by which the consumer may exercise that right at that time;
  7. Any disclosures made under section the Fair Credit Reporting Act (that is, notices regarding the ability to opt out of disclosures of information among affiliates);
  8. Mann Mortgage policies and practices with respect to protecting the confidentiality and security of nonpublic personal information.

Exceptions to Notice Requirement

  1. Exceptions for processing transactions at consumer’s request – Exceptions to the initial privacy notice, opt-out and for service providers and joint marketing do not apply if Mann Mortgage discloses NPI as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes, or in connection with:
    1. Servicing or processing a financial product or service that a consumer requests or authorizes;
    2. Maintaining or servicing the consumer’s account with you, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity; or
    3. A proposed or actual securitization, secondary market sale (including sales of servicing rights), or similar transaction related to a transaction of the consumer.
  2. Necessary to effect, administer, or enforce a transaction means that the disclosure is:
    1. Required, or is one of the lawful or appropriate methods, to enforce your rights or the rights of other persons engaged in carrying out the financial transaction or providing the product or service; or
    2. Required, or is a usual, appropriate or acceptable method:
      1. To carry out the transaction or the product or service business of which the transaction is a part, and record, service, or maintain the consumer’s account in the ordinary course of providing the financial service or financial product;
      2. To administer or service benefits or claims relating to the transaction or the product or service business of which it is a part;
      3. To provide a confirmation, statement, or other record of the transaction, or information on the status or value of the financial service or financial product to the consumer or the consumer’s agent or broker;
      4. To accrue or recognize incentives or bonuses associated with the transaction that are provided by you or any other party;
      5. To underwrite insurance at the consumer’s request or for reinsurance purposes, or for any of the following purposes as they relate to a consumer’s insurance: account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits (including utilization review activities), participating in research projects, or as otherwise required or specifically permitted by Federal or state law; or
      6. In connection with:
        1. The authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means;
        2. The transfer of receivables, accounts, or interests therein; or
        3. The audit of debit, credit, or other payment information.

Opt-out Notice

Opt-out means a direction by the consumer that Mann Mortgage may not disclose NPI about that consumer to a nonaffiliated third party, other than as permitted by law. The optout notice is a clear and conspicuous notice to all customers that accurately explains the right to opt out under that section. The notice states:

  1. that Mann Mortgage discloses or reserves the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party;
  2. that the consumer has the right to opt out of that disclosure; and
  3. a reasonable means by which the consumer may exercise the opt-out right.

Exceptions to Opt out

Exceptions to opt out requirements. The requirements for initial notice and for service providers and joint marketing do not apply when you disclose nonpublic personal information:

  1. With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction;
    1. To protect the confidentiality or security of your records pertaining to the consumer, service, product, or transaction;
    2. To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;
    3. For required institutional risk control or for resolving consumer disputes or inquiries;
    4. To persons holding a legal or beneficial interest relating to the consumer; or
    5. To persons acting in a fiduciary or representative capacity on behalf of the consumer;
  2. To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating you, persons that are assessing your compliance with industry standards, and your attorneys, accountants, and auditors;
  3. To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978, to law enforcement agencies (including the Bureau, a Federal functional regulator, the Secretary of the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II (Records and Reports on Monetary Instruments and Transactions) and 12 U.S.C. Chapter 21 (Financial Recordkeeping), a state insurance authority, with respect to any person domiciled in that insurance authority’s state that is engaged in providing insurance, and the Federal Trade Commission), self-regulatory organizations, or for an investigation on a matter related to public safety;
    1. To a consumer reporting agency in accordance with the Fair Credit Reporting Act (15 USC 1681 et seq.), or
    2. From a consumer report reported by a consumer reporting agency;
  4. In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or
    1. To comply with Federal, State, or local laws, rules and other applicable legal requirements;
    2. To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, state, or local authorities; or
    3. To respond to judicial process or government regulatory authorities having jurisdiction over you for examination, compliance, or other purposes as authorized by law.

Under no circumstances will the Company disclose, other than to consumer reporting agencies, access codes or account numbers for use in marketing.

Revised 05/26/2021


Terms and Conditions


These terms and conditions outline the rules and regulations for the use of Mann Mortgage's Website. Mann Mortgage, LLC is located at: 1220 Whitefish Stage Road, Kalispell, MT 59901. By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Mann Mortgage, LLC's website if you do not accept all of the terms and conditions stated on this page. The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United States. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

COOKIES: We employ the use of cookies. By using Mann Mortgage, LLC's website you consent to the use of cookies in accordance with Mann Mortgage, LLC's privacy policy. Most of the modern day interactive websites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies.

LICENSE: Unless otherwise stated, Mann Mortgage, LLC and/or its licensors own the intellectual property rights for all material on Mann Mortgage, LLC. All intellectual property rights are reserved. You may view and/or print pages from https://mannmortgage.com for your own personal use subject to restrictions set in these terms and conditions. You must not: Republish material from https://mannmortgage.com; Sell, rent or sub-license material from https://mannmortgage.com; Reproduce, duplicate or copy material from https://mannmortgage.com; Redistribute content from https://mannmortgage.com (unless the content is specifically made for redistribution).

HYPERLINKING TO OUR CONTENT: The following organizations may link to our Website without prior written approval: Government agencies; Search engines; News organizations; Online directory distributors when they list us in the directory may link to our Website in the same manner as they hyperlink to the Web sites of other listed businesses; and Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups (which may not hyperlink to our Website). These organizations may link to our home page, to publications or to other website information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site. We may consider and approve in our sole discretion other link requests from the following types of organizations: commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union; dot.com community sites; associations or other groups representing charities, including charity giving sites, online directory distributors; internet portals; accounting, law and consulting firms whose primary clients are businesses; and educational institutions and trade associations. We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b) the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of the same; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization. These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party’s site. If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to contactus@mannmortgage.com. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response. Approved organizations may hyperlink to our Web site as follows: by use of our corporate name; or by use of the uniform resource locator (Web address) being linked to; or by use of any other description of our Website or material being linked to that makes sense within the context and format of content on the linking party’s site. No use of Mann Mortgage, LLC's logo or other artwork will be allowed for linking absent a trademark license agreement.

FRAMES: Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

TEXT MESSAGING: Mann Mortgage, LLC offers subscription text message programs. The types of messages you may receive are notifications, promotional messages, appointment notifications, appointment reminders, and SMS enabling direct lending or loan arrangement. By providing your phone number (and checking this box and submitting this form), you agree to receive recurring automated promotional and personalized marketing text messages (e.g., product information) from Mann Mortgage, LLC at the cell number used when signing up. Consent is not a condition of any purchase. Reply STOP to unsubscribe, HELP for help. Message & data rates may apply. Review our Privacy Policy https://mannmortgage.com/privacy/. Message frequency depends on your activity. Carriers are not liable for delayed or undelivered messages.


Do-Not-Call and Automated Messaging Policy


Purpose and Overview

The National Do-Not-Call Registry was created in 2003 under authority of the Telephone Consumer Protection Act (“TCPA”) of 1991. The TCPA is a federal law that restricts telemarketing calls, faxes, and text messages. The Do-Not-Call Registry is a list of phone numbers from consumers who have indicated their preference to limit the telephone solicitations they receive and to offer consumers a choice regarding telephone solicitations. The do–not-call provisions cover any plan, program or campaign to sell goods or services through interstate phone calls. The TCPA also prohibits the use of autodialers, artificial or precorded voice messages, and text messages without the express, prior written consent of the recipieint. The FCC has supplemented the TCPA with rules that permit recipients from revoking consent to receive telemarketing calls, faxes, and text messages via any reasonable method that clearly expresses a desire to not receive further calls or text messages.

The Do-Not-Call Registery does not cover the following:

  • Calls from organizations with which you have established a business relationship;
  • Calls for which you have given prior written permission;
  • Calls which are not commercial or do not include unsolicited advertisements;
  • Calls to consumers with which a company has an existing business relationship, unless the consumer asks the Company not to call again; or,
  • Calls by or on behalf of tax-exempt non-profit organizations.

To ensure company-wide compliance with this Policy, Mann Mortgage, LLC (“Mann Mortgage” or “Company”) has adopted the following policy and procedures.



Persons/Areas Affected

This Policy is applicable to all Mann Mortgage departments/functions.

Policy

If the Company engages in telephone solicitations, it will:

  • Search the registry at least once every 31 days and drop from their call lists the phone numbers of consumers who have registered;
  • Transmit Caller ID information and not block Mann Mortgage's numbers for consumers who have Caller ID;
  • Ensure that predictive dialers abandon no more than three percent of all calls placed and answered by a person;
  • Prohibit solicitation calls to consumers before 8 am or after 9 pm; and
  • Require anyone making a telephone solicitation call to provide his/her name, Mann Mortgage's name, and a telephone number or address for consumer to contact Mann Mortgage.
  • Cease calling consumer if the consumer requests that the Company no longer call him/her.