Starboard Financial is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Starboard Financial Web site and governs data collection and usage. By using the Starboard Financial website, you consent to the data practices described in this statement.
Collection of your Personal Information
Starboard Financial collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Starboard Financial also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests, and favorites.
There is also information about your computer hardware and software that is automatically collected by Starboard Financial. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Starboard Financial for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Starboard Financial Web site.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Starboard Financial public message boards, this information may be collected and used by others. Note: Starboard Financial does not read any of your private online communications.
Starboard Financial encourages you to review the privacy statements of Web sites you choose to link to from Starboard Financial so that you can understand how those Web sites collect, use and share your information. Starboard Financial is not responsible for the privacy statements or other content on Web sites outside of the Starboard Financial and Starboard Financial family of Web sites.
Use of your Personal Information
Starboard Financial collects and uses your personal information to operate the Starboard Financial Web site and deliver the services you have requested. Starboard Financial also uses your personally identifiable information to inform you of other products or services available from Starboard Financial and its affiliates.
Starboard Financial does not sell, rent or lease its customer lists to third parties. Starboard Financial may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Starboard Financial may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Starboard Financial, and they are required to maintain the confidentiality of your information.
Starboard Financial does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent. Starboard Financial keeps track of the Web sites and pages our customers visit within Starboard Financial, in order to determine what Starboard Financial services are the most popular. This data is used to deliver customized content and advertising within Starboard Financial to customers whose behavior indicates that they are interested in a particular subject area.
Starboard Financial Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Starboard Financial or the site; (b) protect and defend the rights or property of Starboard Financial; and, (c) act under exigent circumstances to protect the personal safety of users of Starboard Financial, or the public.
Starboard Financial receives confirmation when you submit a loan application and may follow-up with an email confirmation in order for us to acknowledge receipt of the application, or to follow-up on a customer inquiry. Starboard Financial may also send out emails with information regarding Starboard Financial promotions, products, mortgage lending information and/or updates, and loan milestone updates.
Information from Third Parties
Starboard Financial may also collect information about you from its consumer reporting agencies and other similar avenues for the sole purpose of facilitating a mortgage loan transaction.
For purposes such as improving personalization of the Starboard Financial Web sites, Starboard Financial may receive information about you from other sources and add it to our account information.
Information about Starboard Financial customers is an integral part of our business. Starboard Financial neither rents nor sells your personal information to anyone except as described in this Statement. Starboard Financial shares your personal information only with third parties that assist in the marketing, processing, funding, servicing, and/or sale of the loan. Third parties may include, without limitation, title companies, credit companies, appraisers, insurance companies, underwriting services, processing services and purchasers of loans.
Third Party Sites
Starboard Financial websites may permit you to link to other websites on the Internet, and other websites may contain links to Starboard Financial Web sites. These other websites are not under Starboard Financial control, and such links do not constitute an endorsement by Starboard Financial of those other websites or the services offered through them. The privacy and security practices of websites linked to or from Starboard Financial Web sites are not covered by this Statement, and Starboard Financial is not responsible for the privacy or security practices or the content of these websites. Links to other sites are provided solely for the convenience of users.
Third Party Websites as referenced herein includes websites that are not owned or controlled by Starboard Financial or its employees.
Starboard Financial may also provide social media features that enable you to share information with your social media networks and to interact with Starboard Financial on various social media sites. Your use of these features may result in the collection or sharing of information about you, depending on the feature. Starboard Financial encourages you to review the privacy policies and settings on the social media sites with which you interact to make sure you understand the information that may be collected, used and shared by those sites.
Starboard Financial assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which a PMC site is linked and such linked sites
are not monitored, investigated, or checked for accuracy or completeness by Starboard Financial. It is the responsibility of the user to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked sited. All products, services, and content obtained from a linked site are provided as is without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.
The Starboard Financial Web site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Starboard Financial pages, or register with Starboard Financial site or services, a cookie helps Starboard Financial to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Starboard Financial Website, the information you previously provided can be retrieved, so you can easily use the Starboard Financial features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Starboard Financial services or Web sites you visit.
Security of your Personal Information
Starboard Financial secures your personal information from unauthorized access, use or disclosure. Starboard Financial secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket
Layer (SSL) protocol.
Keeping Personal Information Secure
Starboard Financial takes seriously the trust you place in us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, Starboard Financial utilizes reasonable and appropriate physical, technical, and administrative procedures to safeguard the information we collect. Starboard Financial retains data only as required or permitted by local law and while it has a legitimate business purpose.
Changes to this Statement
Starboard Financial will occasionally update this Statement of Privacy to reflect company and customer feedback. Starboard Financial encourages you to periodically review this Statement to be informed of how Starboard Financial is protecting your information.
Starboard Financial welcomes your comments regarding this Statement of Privacy. If you have any questions or concerns about this notice, or about the privacy of your nonpublic personal information that you have provided via use of this website, or would like to opt-out from future contact by Starboard Financial, please contact Starboard Financial at 4145 E. Baseline Rd., Gilbert, AZ 85234. If you believe that Starboard Financial has not adhered to this Statement, please contact Starboard Financial. We will use commercially reasonable efforts to promptly determine and remedy the problem.