To better serve your needs now and in the future, we may ask you to provide us with certain information and/or we may obtain information from collateral sources as summarized below. We understand that you may be concerned about what we will do with such information, particularly personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide us. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.
This Privacy Policy governs our use of the information which you provide us, either from you directly or from one of your authorized real estate agents, loan officers, attorneys or other such persons on your behalf. It does not govern the way we may use information obtained from public records. .
COLLECTION & USE OF INFORMATION
Depending upon which of our services you are utilizing, we may obtain nonpublic personal information from the following persons and/or sources:
- Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone, electronically or any other means;
- Information about your transactions with us, our affiliated companies, or others;
- Information we receive from others involved in your transaction, such as your real estate agent, your lender, your attorney, or your attorney-in-fact;
- Information we receive from a consumer-reporting agency and/or governmental entities.
We may collect the following categories of personal and/or financial information from you in connection with your transaction and/or pertaining to the product(s) and service(s) we are providing to you:
- Identifiers: real name, alias, online IP address if accessing company websites, email address, account name, unique online identifier, social security number, driver’s license number, passport number, or other similar identifiers;
- Demographic Information: marital status, gender, date of birth;
- Personal Information and Personal Financial Information: name, signature, social security number, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, credit reports, appraisals, or any other information necessary to complete the transaction.
We request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you have requested from us; or (2) as permitted or required by law. We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all the types of nonpublic personal information listed above to one or more of our affiliated companies as permitted by law. Such affiliated companies may include title insurers, construction disbursing companies, 1031 like-kind exchange facilitators, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.
Even if you are no longer our customer, our Privacy Policy will continue to apply to you.
We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities that need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
CONSENT
By having submitted Personal Information to us, you consent to the collection and use of information by us as specified above or as we otherwise see fit, in compliance with this Privacy Policy, unless you inform us otherwise by means of the procedure identified below. If we decide to change this Privacy Policy, we will try to post the updated Privacy Notice on our website [APPLICABLE COMPANY WEBSITE]. Each time we collect information from you, any amendment of our Privacy Policy will signify your assent to and acceptance of its revised terms for all previously collected information and information collected from you in the future. We may use comments, information, or feedback that you may submit in any manner that we may choose without notice or compensation to you.
If you have any questions or concerns, please let us know by sending your comments or requests to: [COMPANY], Attn: General Counsel, 30 North Brentwood Blvd., St. Louis, MO 63105.
Effective July 1, 2014, rev. January 1, 2024
