Information We Collect
Keystone Funding collects two types of information from you when you visit our website: “Personally Identifiable Information” and “Non-Personally Identifiable Information.” Together, both of these are referred to in this Policy as “Information.”
Personally Identifiable Information is information that can reasonably identify you, such as your name, telephone number, e-mail address, Social Security number, or any other account information. We may also collect and store information you share with us about other people (for example, co-borrowers). Non-Personally Identifiable Information is information that cannot directly or indirectly identify you, such as demographic information about your online activity on our Website.
How We Collect Your Information
Keystone Funding collects your Information in three ways: from you, from others sources, and from various website technologies.
Keystone Funding collects Information from you when you directly provide that Information to us, such as on a pre-approval form or online application. You may choose not to provide Keystone Funding with certain information; however, if you chose not to provide certain required information, Keystone Funding may not be able to fulfill your request.
Keystone Funding may also collect information about you from other sources, such as credit reports pulled upon your authorization.
Additionally, Keystone Funding may collect Information from you automatically by tracking usage data and using other technologies.
For example, Keystone Funding may send “cookies” to your computer. “Cookies” are text files of information that are stored on your computer. Cookies help identify you as a unique customer and store your personal preferences and technical information. Cookies allow us to collect information such as the type of browser you are using, which pages you view, which webpages you visit, which pages linked you to our site, and which link, if any, you follow off of our Website. We use this information to personalize your experience, enhance security, facilitate navigation, and to display material more efficiently. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. Every browser is different, so please check your browser settings to determine the correct way to adjust your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient.
Keystone Funding may also use web beacons, pixel tags, clear GIFs and other technologies to track your online movements. These are small pieces of data that are embedded in images on our Website. We may use these technologies to bring together your Information.
Who Collects Personally Identifiable Information
Where this Website specifically asks for your Personally Identifiable Information (for example, a pre-approval form, or to register for a service), that Personally Identifiable Information will only be collected by staff of Keystone Funding who have responsibility for responding to such requests or administrating such registrations.
How We Use Your Information
Keystone Funding uses your Information to better understand online activity to improve our Website offerings, to reconstruct activity from a user’s previous session, and for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized online experience, to provide you with assistance with support, and to send you special offers, product and service updates, or other promotional materials that are relevant and personalized.
Keystone Funding does not allow third parties to display advertisements on our Website; however, our Website contains links to other websites owned and operated by third parties. Keystone Funding does not control and is not responsible for the privacy practices of these third parties.
Keystone Funding may use your Information to communicate regarding services or products that may be of interest to you, to deliver you the services or products requested, to manage your customer relationship, to provide you with support, and to research and analyze your use of our services or products. Keystone Funding may also use your Information to allow you to participate in surveys, contests and similar promotions, and to administer such promotions.
Keystone Funding may also use your Information to optimize our services or products, to manage our business, and to measure the overall effectiveness of our business as it relates to online content, advertising, programming, and other activities.
Keystone Funding may also supply your Information, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan. By submitting a loan application or a request to be pre-approved, you authorize us to share your credit report only to process your loan application.
In some instances, Keystone Funding may use or disclose your Information to detect, investigate and prevent fraudulent activities or other activities that may violate our policies or be illegal. Keystone Funding also may disclosure your Information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.
Keystone Funding will not share your personal information with non-affiliates, except under limited circumstances.
Protecting Your Information
We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. Our control policies, for example, authorize access to customer information only by individuals who need access to do their work. From time to time, we enter into agreements with other companies to provide services to us or make products and services available to our customers. Under these agreements, the companies may receive information about our customers but they must safeguard this information, and they may not use it for any other purposes.
Updating Your Communication Preferences
Credit reporting agencies may share your Information with other companies when you apply for a home loan. This may cause you to receive communications you did not ask for, offering credit cards, refinancing or other loan products. You can stop these calls and e-mails by opting out of these prescreened credit offers. Simply call (888) 567-8688 or visit www.optoutprescreen.com.
Keystone Funding may provide you the opportunity to subscribe to e-mail newsletters and other communications. You may unsubscribe at anytime by following the instructions provided in the e-mail communication.
If you have any questions about this Policy or our information-handling practices, please contact us by e-mail or postal mail at the following:
206 W. State St, Suite 200
Media, PA 19063