Privacy Notice

Customer service is very important to us. As we MOTTO MORTGAGE Focus O'Fallon continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
  • Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
  • Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
  • From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
  • From lenders regarding applications you make for credit. Examples of this type of information include decisions on an application; conditions imposed on approvals; and disclosures of loan terms.

If you contact us through the Sites

You may contact us using the "contact" page with general questions about our Sites, MOTTO MORTGAGE Focus O'Fallon ’s services and products, our business or other matters. If you do so, we will typically collect Personal Information from you, such as your name, email, and phone number, as well as other information you may choose to provide in the contact form. The Personal Information you provide through our Sites will be used primarily in the context of resolving your request or answering your inquiry, or to provide additional information related to that inquiry. We may also place you on our marketing list for information related to your inquiry or which we otherwise believe would be of interest to you, and we may otherwise use your information as described in this Notice.

Cookies, web beacons and other tracking technologies

Our Sites use cookies, which are small, commonly-used files that are transferred to your computer by us or a third party when you allow your browser to accept cookies. Similarly, we or our third party service providers/advertisers may also use "web beacons," "pixel tags" or other tracking technologies, which are typically small pieces of code placed on a web page to monitor behavior and collect certain data regarding the actions of our guests online. These cookies and other technologies may be used to track your online traffic patterns, to enhance your experience when using our Sites, to store information during your session, to personalize the Sites for you based on your preferences and selections, to target advertising or content to you (as described further below) and to collect information about you and your visit to our Sites for other marketing and business purposes. You can adjust your privacy preferences regarding the use of cookies and similar technologies through your browser. However, disabling cookies may impair your user experience and disable certain features of our Sites.

Data about your activities online may be collected for use in providing advertising tailored to your individual interests.

We and these third-party vendors, including Google, may use third-party technologies (such as a Facebook Custom Audience Pixel) together with our own first party technologies in order to analyze ad impressions, your use of ad services, and interactions with these ad impressions and ad services. The information collected may also include information about your visits to our Sites, include the pages you have viewed and what content you have seen. These third-party tracking technologies may be set to, among other things: (a) help deliver advertisements to you that you might be interested in; (b) prevent you from seeing the same advertisements too many times; and (c) understand the effectiveness of the advertisements that have been delivered to you.

You can opt out of certain advertising by visiting the Network Advertising Initiative opt out page or permanently using the Google Analytics opt out browser add on. f you wish to take steps to opt-out of tracking by certain online advertisers, you can visit the Digital Advertising Alliance's opt-out page at aboutads.info/choices or the Network Advertising Initiative at networkadvertising.org/optout_nonppii.asp. To learn more about how to opt out of Google's use of cookies, visit the Google's Ads Settings, here. You may control Facebook's use of interest-based ads through your Facebook account settings, or may visit the customer support page here. Please note, at this time we do not respond to browser-based "do not track" signals.

To learn more about cookies and similar tracking technologies, and how they can affect your privacy, visit allaboutcookies.org. To learn more about, or to opt-out of Google's analytic and marketing services, visit Google Analytics Terms of Use, the Google Privacy Notice, or Google Analytics Opt-out.

Cookies, web beacons and other tracking technologies

Our Sites and servers may collect other information from you when you access our Sites, including your IP address and the pages you visited and content you viewed while on our Sites. The Information collected cannot typically be used to identify you personally. However, if you have registered on the Sites, it may be possible for us to link certain information to information that identifies you personally. Information collected through our Sites includes information sent to us automatically by your web browser, the address of the web page you were visiting when you accessed our Sites, information about your operating system, the browser you are using, the date and time of your visit, and online traffic patterns and content accessed throughout our Sites.

How we Use Information

We may use your Personal Information to:

  • respond to inquiries or service requests and monitor such responses;
  • provide information about and market our products or services
  • resolve problems;
  • manage the Sites and assess usage;
  • append or link your Personal Information to any other information we or our Affiliates hold about you, or we obtain from third party customer analytics providers.
  • enhance or personalize your experience using our Sites;
  • inform you of offers or new features that we believe may be of interest to you;
  • provide information or services you have requested;
  • process or maintain your subscription to a newsletter or mailing list;
  • facilitate various programs, promotions or contests in which you participate;
  • target advertising or content, or for other advertising, promotional or marketing purposes;
  • study the use and popularity of various areas of our Sites and to improve our Sites; and
  • analyze general locations where our content is viewed (by reviewing IP addresses). We may also use such information for other purposes related to our business or that of our related entities, as well as for any other purpose described in this Notice or any other agreement you may enter with MOTTO MORTGAGE Focus O'Fallon or otherwise as we may disclose to you or to which you consent from time to time.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will be shared with third parties only to the extent necessary for that purpose, or to the extent required by law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

Newsletters, Inquiries and Emails

We may offer newsletters, emails and/or other communications to share information with you about MOTTO MORTGAGE Focus O'Fallon , our products and services, helpful guides and information relating to mortgages, real estate and other topics or offers in which we believe you may be interested. We may also provide you with information about us and our related entities, advertisers, sponsors, or other business partners through these newsletters, emails and communications. When you sign up for a mailing list or submit a request to be contacted, we will collect Personal Information such as your name, email, and telephone number, as well as any other information on the signup/request form.

With your consent, we may also provide you with SMS updates regarding our Sites or our products and services. We may also provide you with the option to receive calls on your mobile phone regarding our products and services. If you opt-in during signup/request, you consent to receive such calls and messages. To revoke your consent, contact us via email or phone using the information provided on our Sites or follow the instructions in the message you receive.

Legal Disclosures.

Finally, we may, without your consent, access and disclose your Personal Information, any communications sent or received by you, and any other information that we may have about you as may be permitted or as we believe in good faith may be reasonably necessary to comply with any law, regulation, rule or court order; pursuant to subpoenas or other requests from governmental, regulatory or administrative agencies or law enforcement authorities; to respond to any claims, or to prevent, investigate, identify persons or organizations potentially involved in, or take any action regarding suspected fraud, or activity that appears to us to be illegal or we believe may expose us to legal liability. Additionally, we may disclose Personal Information in situations that we believe to be emergencies involving potential threats to the physical safety of any person or property, if we believe that your information in any way relates to that threat.

How can I access or update my Personal Information?

You may access or update any Personal Information by contacting us using our  contact information on our Sites. We will respond to reasonable requests for access or revision and will provide access to the extent required or allowed by law. However, we may decide not to grant access or make revisions where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy in any given case, or when the rights of others would be violated by granting the access.

Information Security

We implement reasonable security measures to safeguard the Personal Information you provide us. However, please keep in mind that we are not liable for the actions of third parties to whom we may transfer your Personal Information in accordance with this Notice. Furthermore, please remember that "perfect security" does not exist on the Internet, and accordingly, we cannot provide any guarantee that your Personal Information or any other information you provide us will remain secure.

Limitation of Liability

By providing us with any Personal Information, you expressly and unconditionally release and hold harmless MOTTO MORTGAGE Focus O'Fallon , our Affiliates, and each of their related entities, parents, and service providers from any and all liability for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information. In addition, while we take reasonable steps to prevent third party companies from making unauthorized use of your Personal Information, we cannot be held be held liable for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information by those third parties.

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOST PROFITS OR LOST REVENUE) THAT RESULT FROM THE USE OF THE SERVICES, INFORMATION OR MATERIALS PROVIDED ON OR THROUGH THIS SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

We reserve the right to amend (that is, add to, delete, or change) the terms of this Privacy Statement from time to time.

Contact Us

If you have any questions about these Terms or our Sites, please feel free to contact us.

On the web:  /offices/focus-ofallon

Email: Joanna.Theismann@mottomortgage.com

By Mail/Phone: 618-643-9040