Last updated August 7, 2014
Personal Information We Collect
How We Collect Your Information
We collect Personal Information in a variety of ways. We gather and maintain the Personal Information you provide when inquiring about, applying for, or otherwise obtaining services provided by us. We may also collect information about you from various third parties such as credit bureaus, marketing firms, data aggregators, and social media networks. However, we do not request credit bureau reports on customers without their permission.
Although you can visit our website without telling us who you are, our servers automatically gather information from your browser when you access the Website. Our servers recognize your IP address, and may track additional information, including but not limited to the pages of our Website you visit, the browser you are using, the operating system of your computer or mobile device, and how you interact with the services available on the Website. This enables us to better serve you by improving our Website to accommodate customer-use patterns and providing us the information necessary to better detect and prevent fraud and enhance security.
Do Not Track Notice
We do not track Website visitors across third-party websites to provide targeted advertising and so do not respond to Do Not Track signals. Some third-party websites, however, may keep track of your browsing activities in order to serve you content. These third-parties may have content embedded on the James B. Nutter & Company Website, such as social networking share features, that can set cookies on your browser or obtain information about the websites you visit and your IP address. No additional Personal Information is available to these third parties from our Website unless you provide it to them directly.
Other Collection Tools
We may use web beacons and other similar technologies to track your visit to our Website or your responses to our email communications. Web beacons (also known as pixel gifs, pixel tags, clear gifs, third-party pixels, or targeting pixels) are small graphics with a unique piece of identifying code, similar to a cookie, that is used to track the online movements of a web user or to access previously set cookies. These tools are also used in email communications to determine whether messages have been opened or otherwise acted upon.
James B. Nutter & Company and our third-party service providers may utilize Flash objects (also known as “Local Shared Objects”) to help us recognize you and your computer or device when you return to the Website. Flash objects allow the Website to determine your version of Adobe® Flash® and the browser you use in order for you to view the Flash content. Please note that deleting or disabling cookies does not disable the Flash objects in use on our site. If you choose to disable Flash objects directly through the Adobe interface, you may not be able to access and use all or part of the Website.
Your IP address is identified and logged by our servers each time you visit the Website, as well as the time of your visit, the Website pages viewed, which page, if any, linked you to the Website, and which link, if any, you followed off of the Website. Your IP address is a unique number assigned to your computer or device by your Internet Service Provider. Collecting IP addresses is standard practice among websites and is generally done automatically. We use IP addresses for a number of purposes, including calculating Website usage levels, diagnosing server issues, advertising, and personalizing your Website experience.
We also may allow certain widgets, such as social networking share buttons, on the Website that enable users to easily share information on another platform, such as Facebook® or Twitter®. The third parties that own these widgets may have access to information about your browsing on the pages of our Website where these widgets have been placed. It is recommended that you review the privacy policies of those websites to determine how such information is collected and maintained.
We may also use third-party services to analyze how individuals interact with our Website or to perform services such as the placement or analysis of content, advertising, cookies, flash objects, or web beacons. Financial information connected to payments may be collected or stored by a third-party payment processor and is subject to their terms and conditions.
How We Use Your Information
We use your Personal Information to provide our services, to operate and maintain the functionality of our Website, and to inform you of additional products or services that you may benefit from. Specifically, we use this information to:
• Provide the services you requested;
• Allow you to apply for products or services;
• Respond to your questions and provide you with customer support;
• Send you requested product or service information;
• Communicate with you via telephone, mobile messaging services, email, and postal mail about products and services that may be of interest to you;
• Personalize your experience on the Website;
• Verify your identity in order to allow access to your account, conduct transactions, and make payments;
• Deliver marketing communications informing you of products that you may be interested in;
• Measure the effectiveness of our online advertising efforts and develop web content and products services tailored to your interests;
• Detect and prevent fraud, comply with laws and regulations, and to comply with other legal processes and law enforcement requests; and
• Consider and act on applications for employment. This Personal Information may be retained for a period of time, but only to consider your application for current or future available positions or as required by law.
How We Share Your Information
How We Protect Your Information
Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information at any time. To the extent you provide us with your Personal Information, you do so at your own risk.
Choices Regarding Your Information
You may choose at any time to stop sharing your Personal Information with us. However, such refusal will likely result in your inability to access some or all of the features of the Website and may prevent you from applying for or receiving certain James B. Nutter & Company products and services.
Please note that federal and state regulations require that we store certain data elements related to completed loan requests for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our systems or otherwise comply with a request related to such data until the expiration of the applicable period.
Keeping your information accurate and up-to-date is important. To review or update your Personal Information to ensure its accuracy or to correct errors and omissions, please contact us via email at firstname.lastname@example.org.
You may choose to stop receiving our marketing materials by either following the unsubscribe instructions contained in our emails or by contacting us directly at email@example.com.
No Rights of Third Parties
Protecting Children’s Privacy Online
Our Website is not intended for individuals under the age of thirteen (13), and we request that anyone under this age not provide Personal Information through the Website. We do not knowingly collect information from children under 13 without their parent’s consent. For more information, please visit the Federal Trade Commission’s website to learn about the Children’s Online Privacy Protection Act (COPPA).
How to Contact Us
Address: James B. Nutter & Company
Kansas City, MO 64111