Privacy Policy: Paragon is your best home, commercial, FHA-VA, Loan connection in all 50 states

We are aware of your privacy concerns and we are dedicated to disclosing all of your information collected on our Web Site(s), how your information is being used and what options you have regarding all activities regarding collection and use of your personal information. Please contact us should you have questions or need additional information at: info@paragon-loans.com.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information.

Paragon Mortgage Services protects your information over the Internet by using multiple secure web servers supported by our Web Site vendors and Product Managers, which allows web browser programs (Netscape or Microsoft Internet Explorer) to interact with our web server via encrypted sessions. We employ a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and our Secure Server(s). The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by "https" or a lock appearing in the lower right hand corner of your browser window. When you visit our Sites, you may move in and out of secured areas. Any time that you are on an order page or viewing your personal credit report, you will be in a secured area.

We collect nonpublic personal information about you from the following sources:
- Information provided about you on available sources of applications or other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from a consumer reporting agency.

PROTECTION, DISCLOSURE AND SHARING OF INFORMATION

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.

We do not share information with any non-affiliated third party except: (1) in select circumstances when a business partner refers you to us and you give us permission to share information with that business partner on your order form, or (2) as permitted or required by law, such as inquires by law enforcement or to comply with Federal laws such as the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act of 2003) or the Fair and Accurate Credit Transactions Act (FACTA).

If you choose, we may disclose the information that we collect to our affiliated companies from time-to-time for informational and marketing purposes and to support research and development and enhancement of our products to better support meeting your product and service needs. When identifying methods of improving our products or if we think a product may be of interest to you, we may arrange to extend select special offers of goods or services to you either directly or through affiliates. If you would like to opt-out of having your information shared with partners and/or affiliates, please refer to the section labeled "Offering You Choices – Marketing Options," below.

In order for us to provide any products you have requested, we may disclose the information we collect to companies that perform services on our behalf such as the credit reporting agencies from which we obtain your credit report(s), credit card processors, e-mail communications management firms or call center providers. Our third party service providers should be contractually limited to using the information solely for the purposes of providing you with the services you requested, however you are advised that all liability resides with the third party service and Paragon Mortgage Services has no vicarious, direct or indirect liability for uncontrollable activities of third party services.

Our Site(s) may contain links for other products, services and offers that we feel you may have an interest in or which may assist you in obtaining your personal goals and objectives. We maintain that these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We request, but cannot, however, be responsible for the privacy practices of any third party sites, products, services or offers and all users are advised that you must evaluate the privacy practices and make your own decisions related to the safety, security and privacy of your personal information on a site-by-site, product-by-product, service-by-service, and offer-by-offer basis.

You are always advised that you have choices when it comes to learning about new offers, services or products you can use to help meet your financial management goals. If you do not wish to receive offers of products from Paragon Mortgage or its partners or affiliates, we will maintain methods in which you can opt-out:

New Order Opt-out Option: While placing an order for the purchase of any information, product or service, credit report or financial or credit monitoring product, you may select to opt-out of receiving special offers or newsletters from us and our affiliated companies directly on your order form or through any contact options available.

Customer Opt-out Options: Each e-mail we send should include instructions and an opt-out link or alternatively, you may opt out by calling our Customer Care Center toll-free at 1-888-PARAGON (1-888-727-2466). You may exercise any opt-out choice for any product, service or contact at any time.

Affiliate sharing Opt-out Options: While placing an order for the purchase of a credit report or monitoring product, you may opt-out of receiving information and offers from our affiliated companies on most order form. Please note that suppressed contact information will not be used for any other purpose other than to ensure compliance with your opt-out request and to comply with the CAN-SPAM Act of 2003 and any other applicable state and/or federal laws regarding your choices when it comes to commercial email marketing.

In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or portion of our assets, your personally identifiable information will likely be among the assets transferred. You will be notified by means of notice on our Sites for thirty (30) days of any such change in ownership or control of your personal information. We reserve the right to change our information privacy and transferability of information notices at any time, and you agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice(s).

Consumers under the age of 18 must not send any personal information to us—including but not limited to information such as name, address or e-mail address.

From time-to-time, we may distribute advertisements (including advertisements for Affiliates and Third Party products, services and offers) which may include popup messages, and the install and access to cookies on your computer which provide you with customized content and to assist in supporting information and delivery of products that you may have requested. Cookies may also allow our Sites to remember you so you do not have to enter your password with each new page. Many of these cookies can be "session cookies," which automatically delete themselves from your hard drive after each session, or may persist in order to make access to our services and information more quick and easy to access on an ongoing basis. You are always free to decline these cookies if your browser permits, however, you may not be able to use certain features and you may be asked to re-enter your password more frequently during your session.

Like many companies connecting to and supporting their customers using the Internet, Paragon Mortgage Services, Inc. may automatically track information based upon your behavior on our Sites. We use this information for research purposes to better understand, protect and service our customers. The information we track may include such information as browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks to analyze trends, administer the Sites, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. Paragon Mortgage Services, Inc. respects your privacy and this information is not linked to any personally identifiable information, except as may be needed to prevent fraud or abuse of the Site.

In select circumstances, Paragon Mortgage Services, Inc. may also share aggregate order information with third parties and business partners. This order information cannot be linked to your personally identifiable information and is used for general tracking purposes only.

Paragon Mortgage Services, Inc. may work with third parties to serve ads on our Sites. These ads may contain cookies and/or action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness and gather completely anonymous information. We have no access to or control over these cookies or action tags.

Our policy regarding the collection and use of information about former customers is the same as that regarding the collection and use about existing customers (refer to section titled COLLECTION OF NONPUBLIC PERSONAL INFORMATION). We may continue to contact you with information about products, services and offers that we feel you may have an interest in or those your may want to learn about or use to help meet your financial management goals. If you do not wish to receive offers of products from Paragon Mortgage or its partners or affiliates, we will maintain the identified methods in which you can opt-out. Please be advise that over a period of time, information about former customers may be used less and less and may be removed from our records at some time.