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DISCLAIMER

Privacy Policy

WHAT INFORMATION DO WE COLLECT?
We collect information from you when you register on our site, place an order, subscribe to our newsletter or fill out a form.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.

WHAT DO WE USE YOUR INFORMATION FOR?
Any of the information we collect from you may be used in one of the following ways:

- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
- To process transactions. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
- To administer a contest, promotion, survey or other site feature
- To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.

HOW DO WE PROTECT YOUR INFORMATION?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

DO WE USE COOKIES?
Yes (Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders over the telephone or by contacting customer service.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

DO WE DISCLOSE ANY INFORMATION TO OUTSIDE PARTIES?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

THIRD PARTY LINKS
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

HOW WE RESPOND TO DO NOT TRACK SIGNALS FOR CALIFORNIA RESIDENTS
California & Business Professions Code Section 22575(b) as amended effective January 1, 2014, provides that California residents are entitled to know how CardTapp responds to “Do Not Track” browser settings.

Currently, we do not take actions to respond to “Do Not Track” signals because a uniform technology standard has not yet been developed. We will continue to review new technologies and may adopt a standard once one is created

Third-parties

Our website may contain links to other third party websites. We are not responsible for the privacy practices or content of these third-party sites.

Contact Us

For any inquiries in relation to CardTapp’s policies regarding cookies and tracking technologies, you may email us at support@cardtapp.com.

ONLINE PRIVACY POLICY ONLY
This online privacy policy applies only to information collected through our website and not to information collected offline.

TERMS AND CONDITIONS
This online privacy policy applies only to information collected through our website and not to information collected offline.

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at www.cardtapp.com/tos

YOUR CONSENT
By using our site, you consent to our online privacy policy.

CHANGES TO OUR PRIVACY POLICY
If we decide to change our privacy policy, we will post those changes on this page.

Contacting Us:
If there are any questions regarding this privacy policy you may contact us using the information below.

www.cnbmortgage.mobi

12708 Northup Way, Suite 301
Bellevue, WA 98005
USA

help@mortgagemapp.com

Toll Free: (855) 827-7439

Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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Disclosure

SAFE Act Compliance & Mortgage Loan Originator Information

Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry: http://www.nmlsconsumeraccess.org/.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any community bank office or call our Customer Call Center at 800-724-2621 or 585-394-4260 regarding the locations where HMDA data may be inspected

Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408 CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust

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