By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Setauket Financial Center's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Setauket Financial Center's web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Setauket Financial Center at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on Setauket Financial Center's web site are provided "as is". Setauket Financial Center makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Setauket Financial Center does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
In no event shall Setauket Financial Center or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Setauket Financial Center's Internet site, even if Setauket Financial Center or a Setauket Financial Center authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on Setauket Financial Center's web site could include technical, typographical, or photographic errors. Setauket Financial Center does not warrant that any of the materials on its web site are accurate, complete, or current. Setauket Financial Center may make changes to the materials contained on its web site at any time without notice. Setauket Financial Center does not, however, make any commitment to update the materials.
Setauket Financial Center has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Setauket Financial Center of the site. Use of any such linked web site is at the user's own risk.
8. Governing Law
Any claim relating to Setauket Financial Center's web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
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.
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
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.
30 Brookfield Lane
Centereach, New York 11720-1410
*These activities are regulated by the NYS Department of Financial Services