Website Analytics Policy
BOETexas.com was founded on principles of trust, integrity and the delivery of outstanding service. Therefore, we are very concerned with the privacy rights of our online visitors and customers and are committed to protecting the information collected about you. BOETexas.com, owned and operated by Bank of England Mortgage, has taken extensive measures to protect the confidentiality of your personal information and to protect your data from misuse and unauthorized access or disclosure. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we take great measures to protect your information, BOE Mortgage cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, BOE Mortgage takes industry standard efforts to safeguard the confidentiality of your information, such as secure, 128 bit encryption on our applications. We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our loan specialists.
Information Collected at our Web site
- Personal Information
- If you submit a mortgage application to BOETexas.com you are required to provide certain information necessary to deliver the selected services. In some instances you will only provide personal information such as name, address, e-mail address, phone number and other contact information. The more information you share with BOE Mortgage the more accurately BOE Mortgage will be able to provide you with information and services you have indicated are of interest.
- Statistical Information
- We automatically collect anonymous statistical information regarding usage of our Web site. This helps us understand our Customers’ needs better and improve areas of our services that our Customers find valuable. For instance, when you visit www.BOETexas.com, our Web site recognizes the type of browser you are using (Firefox, Safari, IE, etc.), the site that linked you to our site, the pages you visit at our site, and similar information. None of this information identifies you personally.
Use and Disclosure of Information
With your prior consent, we may disclose any information we collect, as described above, to BOE Mortgage affiliates or service providers to perform a service for us or perform a function on our behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law.
Removal of Personal Information
You can request that we purge the entirety of the personal information submitted by you through BOETexas.com from our database by providing detailed instructions to ENG’s Privacy Officer (see below). In such cases BOE Mortgage will delete all digitally warehoused information you have submitted. Please note that BOE Mortgage cannot purge information from the systems or files of our BOE Mortgage affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.
BOE Mortgage provides the BOETexas.com Internet site “as is” to the user without any warranty or condition, express, implied or statutory. BOE Mortgage disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose.
Except as may be otherwise expressly provided by written agreement between BOE Mortgage and the user, BOE Mortgage will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site.
In the event of errors or omissions in any information BOE Mortgage’s sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall BOE Mortgage or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature (including, without limitation, direct, indirect, consequential, incidental, special and punitive damages) which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.
Your Acceptance Of These Terms
If you have any further questions or concerns, please contact:
17250 Dallas Parkway
Dallas, TX 75248
We are dedicated to protecting your privacy. All information you submit is treated with the highest level of confidence. We do not share your confidential information with any other party. The information submitted will be used solely to evaluate your credit application.
Secure Online Application
Bank of England Mortgage has now made it even easier for you to apply for your loan online. Our new state-of-the-art, secure online loan application allows our loan specialists to securely interact with our borrowers online saving you time and money.
Our new online application also makes it possible for us to close your loan in record time through its advanced electronic submission features.
- True 256-bit strong SSL encryption
- AICPA WebTrust compliant
Your information is secure when you apply with Bank of England Mortgage. The entire application is housed on our secure server and will not be shared with anyone not directly involved with your loan process.
Preventing Identity Theft
Each year, millions of Americans have their identity stolen. BOE Mortgage wants you to have the information you need to protect yourself against identity theft. While there are no guarantees about avoiding identity theft, it’s important for you to know:
- We will never initiate a request for sensitive information from you (such as, social security number, personal login ID, password, PIN or account number) nor ask you to verify account information via email.
- We strongly suggest that you do not share your personal login ID, password, PIN or account number with anyone, under any circumstances.
If you receive an email that requests this type of action, you should be suspicious of it and contact us immediately at 866-878-2265. We also suggest you report suspicious emails or calls to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.
What is Identity Theft?
Identity theft involves the unlawful acquisition and use of someone’s identifying information, such as:
- Date of Birth
- Social Security Number
- Mother’s Maiden Name
- Drivers License
- Bank or Credit Card Account Number
Thieves then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, and social security benefits, renting apartments and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.
How do they get my personal information?
- Lost or stolen personal items:They may obtain your personal information by finding or stealing your checkbooks, credit cards, driver license or Social Security cards.
- Mail:They may steal your mail, including bank and credit card statements, credit card offer, new checks, and tax information. They may also complete a “change of address form” to divert your mail to another location.
- Onlookers:They will watch and/or listen to you conduct personal business such as entering your PIN when you use your ATM or debit card or when you are talking on the telephone.
- Dumpster Diving:They may rummage through your trash, the trash of businesses, or public trash dumps in a practice known as “dumpster diving.”
- Internet:They use the Internet to look for personal pages that contain information like genealogical data with your mother’s maiden name that can be used to set up a credit card account or possibly access existing accounts.
- Phishing:They may obtain personal information from you through the use of “pop-ups” or emails. These emails have Internet links to deceive you into disclosing sensitive information such as bank account numbers and social security numbers. Oftentimes the email appears as if it comes from a trusted source. It directs you to a “spoof” website that encourages you to divulge sensitive information.
- Pretexting:They may obtain your personal information on the phone by posing as a legitimate company and claiming that you have a problem with your account.
- Skimming:They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as “skimming.” They may swipe your card for an actual purchase, or attach the device to an ATM machine where you may enter or swipe your card.
- Inside Jobs:They get information from businesses or other institutions by:
- stealing records or information while they’re on the job
- bribing an employee who has access to these records
- hacking these records
- conning information out of employees
How do I protect my identity?
- Report lost or stolen checks or credit cards immediately.
- Shred all documents containing personal information, like bank statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices.
- Don’t put your trash out until shortly before it will be picked up.
- Pay bills online or mail bill payments and other items that contain personal information at a U.S. Postal Service drop box rather than in your curb side mailbox. Don’t put any mail in your curb side mailbox until shortly before it will be picked up daily.
- Take your mail out of your curb side mailbox as soon as possible after it has been delivered. If you are traveling, have the U.S. Postal Service hold your mail or have someone you trust pick it up daily.
- Limit the information on your checks (for example, don’t include driver’s license number, social security number, or telephone number), and don’t carry around any more cards than necessary.
- Don’t give any of your personal information in person, over the telephone, or over the Internet to anyone-unless you have a very good reason to trust them.
- Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.
- Use a firewall if you have a high-speed Internet connection. This software can be purchased on-line or from most software retailers.
- Don’t use PINs or other passwords that are easy to guess (for example, don’t use birth dates or spouse, child, pet or mothers maiden names). Regularly change your passwords. Also, create a username that is unique and difficult for others to guess.
- Examine your credit card and financial institution statement immediately upon receipt to determine whether there were any unauthorized transactions. Report any that you find immediately to the financial institution.
- Make a prompt inquiry if bills or statements are not received in a timely fashion-this could mean that they are being diverted by an identity thief.
- Obtain copies of your credit report periodically from each of the three major reporting agencies to be sure that they are accurate. Experian, Equifax, and Trans Union are required to provide you with one free credit report a year.
What do I do if I suspect I’m a victim of fraud or my identity has been stolen?
If you suspect that your personal information has been compromised, follow these important steps:
- Immediately notify us and your other financial institution(s). You’ll need to get new account numbers and select a new PIN. If you are in fact a victim of identity theft, we will offer assistance to help remedy the situation.
- Report any suspicious activity immediately. Scrutinize the charges on your financial statements carefully to ensure that they are legitimate. If there is a questionable transaction or a fraudulent transaction, report it right away.
- Call the three major credit bureaus to request that a fraud alert be placed on your credit report.
- Contact your local police department. Financial fraud is a crime.
- Call the Federal Trade Commission’s ID Theft hotline at (877) IDTHEFT to report it. The FTC maintains a program to assist victims of identity theft. The Center logs complaints and provides assistance and information to victimized consumers to rectify damage to their credit and personal reputation.
- Notify the U.S. Postal Inspectors Office. Victims of fraud should contact their local post office to report any crime involving stolen mail or use of the mail in furtherance of a fraud scheme. It is a felony.
- Contact the Social Security Administration at (800) 269-0271. The Social Security Hotline allows a victim of identity theft to report misuse of a Social Security number. You may also visit your local Social Security Office to obtain further information.
- Contact the Department of Motor Vehicles. If your driver’s license is stolen, report the theft immediately to your local Department of Motor Vehicles. Ensure that a duplicate license was not recently issued in your name to an imposter.
- Keep detailed notes of your repair efforts. Keep a log of all contacts and copies of all documents; follow up your contact calls in writing.
Check these resources for more information on identity theft and what to do it you’re a victim:
- The Federal Trade Commission (FTC)
- The Federal Deposit Insurance Corporation (FDIC)
- United States Department of Justice
United States Patriot Act
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH BANK OF ENGLAND MORTGAGE
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.