Privacy Statement

We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services. This policy is provided to you as required by the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and the appropriate regulations and guidelines thereunder.

The Security We Use to Protect Your Information

We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.

What Information We Collect From You

We collect various types of personal information about you during the normal course of offering and providing mortgage services. This includes but is not limited to: Information you provide in order to obtain a home loan including your name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.

Sharing of the Information Gathered on This Site

We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Safeguard Policy

Michael J. Toner will coordinate this Safeguard Policy for the Setauket Financial Center. At the Setauket Financial Centter we feel that iddentity theft is the chief risk to the protection of confidential information conveyed to us via the internet. Owing to the security measures we list below, we feel that we have reduced this risk to a level of "moderate". We also feel that fraud, malicious access and invasion of privacy are risks. Again, we feel that because of the security measures we list below, we have reduced this risk to a level of "moderate".

At Setauket Financial Center we will upgrade our anti-virus software every 18 months. This will lessen the site's vulnerability to hackers. In addition, programs such as Word Press and Windows will be upgraded as soon as new versions are made available.

With regard to links, so called "open redirects" will not be used.

Logfiles will be scanned regularly to detect code that doesn't belong. Suspicious plugins will not be installed.

With regard to passwords, only those passwords that are rated "Strong" will be used.

All third party vendors must pass through three levels of approval of their computer security measures before Setauket Financial Center will utilize their services.

No third party vendor will be allowed to search the entire Setauket Financial Center server.

Third party vendors shall have references with experience.

Third party vendors shall give assurances regarding security responsibilities, controls and reporting.

There will be coordination with third party vendors of incident response policies and notification requirements.

Setauket Financial Center will regview and update the safeguard program annually.

What Cookies Are and How They Are Used

A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Our site has programs that use cookies to maintain session information to remember who you are as you go from page to page. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet.

External Links

This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites. If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.

Updating or Deleting Your Information, Including Demographic and Profile Data

You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.

Demographic and Profile Data

We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.

If you have any questions about this privacy policy, please write us by mail here:

30 Brookfield Lane
South Setauket, New York 11720-1410