Privacy

1. Welcome

This web site is administered by Churchill Mortgage Corporation (“Churchill Mortgage”).Churchill Mortgage Corporation has created this Privacy Policy to demonstrate our firm commitment to privacy and so that you, as a visitor to the Churchill Mortgage website, will be aware of the uses made of information that may be generated as a result of your using our website.

When you visit this website Churchill Mortgage may collect personal data about you, either directly (where you are asked to provide the data) or indirectly. Churchill Mortgage will, however, only use these personal data in accordance with the purposes set forth in this Privacy Statement and is committed to safeguarding the personal information collected. This statement sets out the purposes of Churchill Mortgage’s data processing in respect of this website, the use of cookies and how to effect your rights in respect of your personal data.

2. Purposes of Processing

Churchill Mortgage collects and processes information about customers and visitors to its web site to conduct its business, to inform and make available products and services that may be of interest to you and for the development of web statistics. The information you provide will be used to contact you when necessary, e.g. to notify you about functionality changes to the website and to offer services that you may find helpful (provided you have not opted out to receive such services).

3. Sensitive Data

Churchill Mortgage does not seek to collect sensitive personal data (such as data revealing political opinions, religious beliefs or data concerning health or sex life) through this site. If Churchill Mortgage does seek to collect such data, your prior consent hereto will be asked. Please note that by providing Churchill Mortgage with unsolicited sensitive personal data you consent to our using those data as described above.

4. Cookies

What is a "cookie?" 
A cookie is a data file that is created and stored on your computer's hard drive when you visit a website. The typical purpose of a cookie is to make your use of the website easier and more convenient, and to assist us in understanding how our visitors use the site. 
Churchill Mortgage may gather and analyze information regarding usage of this website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session. This information may be gathered by using a cookie.

Facebook and Facebook Pixel and Retargeting.  We use Facebook’s conversion tracking pixel and retargeting service(s) to monitor Users who are redirected to this Site after clicking on a Facebook ad.  This allows Us to monitor Our ads and their effectiveness, as well as to provide advertisements to Users for products according to their interests.  Facebook explains conversion tracking on its website [hyperlink: https://www.facebook.com/business/a/online-sales/conversion-tracking], and Facebook explains its use of Cookies and other storage technologies, as well as how to control Facebook’s use of Cookies, on its site here [hyperlink: https://www.facebook.com/policies/cookies/].

 

Outbrain.  We use Outbrain to run native advertising campaigns on various websites across the Internet.  Outbrain uses tracking pixel(s) and similar retargeting service(s) to monitor Users who are redirected to this Site after clicking on one of our ads.  This allows Us to monitor Our ads and their effectiveness, as well as to provide advertisements to Users for products according to their interests.  Outbrain offers information about its data tracking policies on its website [hyperlink https://www.outbrain.com/legal/privacy#privacy-policy].

                                                                        

Google Analytics.  We have enabled Google Analytics to collect data about our traffic through the use of Google Advertising Cookies and other Anonymous Identifiers.  We use Google Analytics Cookies and other Cookies to compile data to better understand Users and provide Users with a more tailored experience.  You can opt out of Google Analytics by vising Google’s Opt-Out Browser Add-on website [hyperlink: https://tools.google.com/dlpage/gaoptout/].

 

Other Third-Party Use of Cookies and Other Tracking Technologies.  In addition to the applications listed above, there might be other content or applications on this Site served by third-parties, including advertisers, ad networks and servers, social media websites, content providers, and application providers.  These third parties may use Cookies alone or in conjunction with Web Beacons or other Internet tracking technologies to collect information about You when You use Our Site.  The information they collect may be associated with Your Personal Information or they may collect information, including Personal Information, about Your online activities over time and across different websites and other online services.  We do not control these third parties’ tracking technologies or how they may be used.  You can learn more about opting out of third-party vendors’ use(s) of Cookies by visiting the “Network Advertising Initiative” website  [hyperlink: http://www.networkadvertising.org/choices/].


5. Exchange of Information

You may elect to provide information on our site for the purposes of being contacted regarding a home loan.  Churchill Mortgage may provide your information to a third party provided there is a statement-making you aware the exchange may occur.  By clicking the "SUBMIT" button next to a statement that asks for your authorization, you are giving authorization to release said data to Churchill or a third party.


6. Amendments

Due to the ever-changing environment of the Internet and to maintain our ability to improve the quality and safety of our website, we reserve the right to modify sections of this Privacy Statement at any time. As you use our website, we encourage you to check this statement from time to time for any changes. Your continued use of our website will constitute your agreement to any changes we make and if you do not agree with a change, please refrain from using our website.  Thank you for using Churchill Mortgage Corporation for your mortgage needs!

FACTS What does Churchill Mortgage Corporation do with your personal information
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do
WHAT? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number, Mortgage Rates and Payments, Credit Scores, Employment Information, Credit Card or Other debt, Income.
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons U.S. Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Churchill Mortgage Corporation share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes — to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences Yes No
For our affiliates' everyday business purposes — information about your creditworthiness Yes Yes
For nonaffiliates to market to you No We don't share
 
To limit our sharing Call 888.562.8634 x629 — our menu will prompt you through your choice(s) or email your name and loan number to optout@churchillmortgage.com Please note: If you are a new customer, we can begin sharing your information 31 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call 888-562-8634 x629 or go to www.churchillmortgage.com
Who we are
Who is providing this notice? Churchill Mortgage Corportation
What we do  
How does Churchill Mortgage Corportation protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Churchill Mortgage Corportation collect my personal information? We collect your personal information, for example, when you Apply for a loan, give us your personal information, provide employment information, show your government issued ID, Give us your wage statements. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can't I limit all sharing? Federal law gives you the right to limit only sharing for affiliates' everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. The Churchill Agency, Escrow Services of Tennessee
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Churchill Mortgage Corporation does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Churchill Mortgage Corporation doesn't jointly market
Other important information
For California residents: In accordance with California law, we will not share information we collect about you with companies outside our corporate family, except as permitted by law. For example, we may share information with your consent, or to service your account. We will limit sharing amount to our companies to the extent required by California Law.


Disclaimer:


General

The terms of this disclaimer (hereinafter referred to as "Disclaimer") apply to this website (www. ChurchillMortgage.com) Please read this Disclaimer carefully.

By accessing this website and or using the information provided on or via this website you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer, the conditions specific to such products and services shall prevail.

7. Use of this website
The information provided on or via this website should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk. 

Although Churchill Mortgage attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, Churchill Mortgage makes no warranties or representations, express or implied, as to whether the information provided on or via this website is accurate, complete or up-to-date. 
Churchill Mortgage controls and maintains this website in the United States and makes no representation that the information provided on or via this website is appropriate or available for use in other locations. If you use this website from other locations, you are responsible for compliance with applicable local laws.

Churchill Mortgage does not represent or warrant that this web site functions without error or interruption.

Use of this website that may hinder the use of other Internet users, that can endanger/jeopardize the functioning of this website and/or affect the information provided on or via this website or the underlying software, is not permitted. 

8. Third party information, products, and services
Where Churchill Mortgage provides hypertext links to third party websites, such links are not an endorsement by Churchill Mortgage of any products or services provided on or via such websites. The use of such links is entirely at your own risk and Churchill Mortgage accepts no responsibility or liability for the content, use or availability of such websites. Churchill Mortgage has not verified the truth, accuracy, reasonability, reliability, completeness of any content of such websites.

9. Intellectual Property
Churchill Mortgage, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this website (including all texts, graphics, and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this website in any form without the prior written consent of Churchill Mortgage or the appropriate consent of the owner. However, you may print out and/or download information contained on this website for your own personal use.
Links to Churchill Mortgage Sites are not permitted without the prior written consent of Churchill Mortgage. 

10. Debit Card Usage
When you make a purchase from our site, you provide your name, email address, debit card information, billing address and phone number. We use this information to process your orders, to keep you updated on your orders and to personalize your shopping experience. 

In keeping with the practices of Dave Ramsey, we encourage all our customers to use debit cards for all online transactions. Due to the way debit and credit cards are processed, it is impossible for us to only accept debit cards. 

Our secure servers protect your information using advanced encryption techniques and firewall technology. 

11. Communication online
Messages that you send to Churchill Mortgage by e-mail may not be secure. Churchill Mortgage recommends that you do not send any confidential information to Churchill Mortgage by e-mail. If you choose to send any messages to Churchill Mortgage via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

12. Exclusion of liability
Neither Churchill Mortgage nor any of its agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including but not limited to financial losses, lost profits or breach of the brand image (even if Churchill Mortgage is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses, or other malfunctions caused to any equipment and other software in connection with access or use of this website, (ii) the information provided on or via this website, (iii) the interception, modification or misuse of information transmitted to Churchill Mortgage or transmitted to you, (iv) the functioning or non-availability of this website, (v) the misuse of this website, (vi) the loss of data, (vii) downloading or use of any software made available by this website, or (viii) claims of third parties in connection with the use of this website. 

The exclusion of liability is also made for the benefit of directors and employees of Churchill Mortgage.

13. Applicable law
This web site and its Disclaimer shall be governed by and construed in accordance with the laws of The United States. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of the State of Tennessee in The United States of America.

14. Amendments
Churchill Mortgage reserves the right to change the information provided on or via this website, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this website, including the terms of this Disclaimer, periodically for changes. 

15. How to contact Churchill Mortgage

If you have any questions about this Privacy Statement or our data processing activities, you can contact us via email or via regular mail:

Churchill Mortgage Corporation 
761 Old Hickory Blvd #400 
Brentwood, TN 37027