Privacy Policy

Gateway Funding has been serving the mortgage needs of our customers for almost two decades. To continue to provide innovative products and services, we must collect certain personal information from you. Safeguarding this information is a responsibility we take very seriously. This Notice of Your Financial Privacy Rights describes the types of information we collect and how we use it to better serve you. Your mortgage representative will be glad to answer any questions you may have about our use of your personal information.

Who Does This Affect?
This Privacy Pledge applies to customers that have had as well as continue to have a relationship with us by applying for a mortgage loan.

The Personal Information We Collect
Gateway Funding collects personal information about you to help us fulfill your mortgage needs, provide customer service, offer new products as well as to comply with legal and regulatory requirements. We may collect information about you from the following sources:

  • Applications or other forms such as assets, debts, employment and income.
  • Current and/or past transactions with us, our affiliates or other parties.
  • Consumer reporting agencies, such as creditworthiness and credit history.
  • Public records, market research and demographic studies.
  • Via the Internet such as Web site navigation, customer contact and surveys.
  • Outside sources to verify employment, financial or insurance coverage information.

Personal Information includes the information that we collect that is not publicly available and is personally identifiable.

The Confidentiality, Security, And Integrity Of Your Information

We maintain physical, electronic, and procedural safeguards to protect your personal information. It is accessible only to employees who play a role in providing products or services to you, and to financial and regulatory authorities and auditors.

Sharing Of Information To Complete The Transaction

Although the Privacy Disclosure Act allows you to ask us to refrain from sharing your personal information in certain cases, it also ensures that we can always share the information when it is required to provide and coordinate the delivery of the service or product that you requested from us, to process and administer the servicing or sale of your loan, to help prevent fraud, to comply with Legal and Regulatory requirements or for reasons that are otherwise permissible by law.

Sharing Of Transaction And Experience Related Information

Likewise, you may not request that we refrain from sharing information about your transaction and experience with us, such as when we report your account balance and history to Consumer Credit Reporting Agencies. This information may include name, address, account balances, account activity, types of accounts, parties to the transaction, and payment history.

Sharing Of Non Transaction & Experience Related Information

From time to time, Gateway Funding may share your personal information with affiliates and unaffiliated parties for purposes other than to complete your transaction or to report your experience with us. We may use and share the customer information we collect, subject to applicable law, with the following (these examples are not intended to be all-inclusive):

Our Affiliates: In addition to using affiliates to perform services in connection with your transactions with us, we may provide information, such as identification, transaction and experience related information, to financial service affiliates, such as insurance companies or real estate appraisers, or with non-financial service providers, such as those offering consumer products or services.

Third-Party Offers: From time to time, we may disclose personal information with non-affiliated companies to develop special offers which you may find valuable. We may share information with financial service providers as well as those offering consumer products or services.

Others: We report information about customers to third parties who perform services or marketing functions on our behalf. We share the minimum amount of information with these companies, and they are contractually obligated to protect the confidentiality of information that is shared with them. Gateway Funding may also share customer information with third parties for fraud or risk control purposes or for the sale of a customer's account; with government entities in response to subpoenas; or with credit reporting agencies. We also disclose information about you to third parties in certain other circumstances, as permitted by law.

Opting Out: We may share your information to offer products and services specifically suited to your individual situation, such as Home Equity Loans at preferential rates or discounted fee packages, Homeowner's Insurance, Financial Services, Home Improvement or Home Care Services. If you prefer that we not share this type of information, you may choose to opt out (or ask us not to share). An opt-out form will be sent to you shortly after we accept your application. To opt out, simply send us a completed opt-out form for each of your accounts. Your opt-out request will be effective within 30 days of receipt of the form and will remain in effect until you request a change. One opt-out form will cover all parties to the transaction. No opt-out form is necessary for persons who are merely visiting our site, without applying for a loan. Please understand that even if you choose to opt-out, as explained above, the law still allows us to continue to share certain information with joint marketing partners and service providers.

In addition, if you would like to opt out, you can contact us at 877-936-2677.

TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Gateway Funding requires all visitors to our site(s) on the worldwide web (the "Site") to adhere to the following Terms and Conditions (the "Agreement").

Trademarks

Gateway Funding may also claim trademark and service mark rights in other marks contained in the Site. Other featured words and marks, used to identify the source of goods and services, are the trademarks of their respective owners.

Web Content, Products and Services

The information and materials contained in the Site and the terms, conditions, and descriptions that appear therein are subject to change without notice. Not all products or services described on this Site are available in all geographic areas. Your eligibility for particular products and services is subject to final Gateway Funding determination. Gateway Funding products and services are subject to acceptance in Commonwealth of Pennsylvania and are governed by the laws of the Commonwealth of Pennsylvania. Gateway Funding or its suppliers may discontinue or make changes to the information, products or services described herein at any time. Dated information is published as of its date only, and Gateway Funding does not undertake any obligation or responsibility to update or change any such information. Gateway Funding reserves the right to terminate all Web offerings without prior notice.

Caching, Framing, Hyperlinks Prohibited

Gateway Funding prohibits caching, unauthorized hypertext links to this Site and the framing of any content available through this Site. Gateway Funding reserves the right to disable any unauthorized links or frames and specifically disclaims responsibility for other Internet sites linked to this Site.

Third-Party Links and Content to Other Sites

Articles and other material provided by third parties, or links to non-Gateway Funding websites are provided solely as pointers to information on topics that may be useful to users of the Gateway Funding Site, and Gateway Funding has no control over the content of such third-party material or non-Gateway Funding websites. The content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Gateway Funding. Gateway Funding makes no warranties, either express or implied concerning the content of such third-party material or, should you choose to link to a website not controlled by Gateway Funding, such non- Gateway Funding site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Gateway Funding represent or warrant that such material, site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is free of viruses or other contamination. Gateway Funding does not guarantee the authenticity of the documents on the Internet. The presence of third-party material or links to non-Gateway Funding sites does not imply any endorsement of or responsibility for the opinions, ideas, products, information or service in such third-party material or at such sites, or any representation regarding the content in such third-party material or at such sites. Other sites may collect data and personal information and operate according to their own privacy practices. You should read the other site's privacy policy before disclosing any information.

Limitation of Liability

In no event Gateway Funding be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Gateway Funding, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

Indemnification

You agree to indemnify, defend and hold harmless Gateway Funding and its suppliers from any liability, loss, claim and expense (including reasonable attorney's fees) related to your violation of this Agreement.

Modifications

Neither this Agreement nor any disclosure and/or application form that may be posted to this Site may in any way be altered by you without Gateway Funding's express written agreement. Any attempt by you to alter this Agreement or any disclosure and/or application form posted to this Site without Gateway Funding's express written consent shall be void and shall have no legal effect. This Agreement is subject to change at any time. Notice of changes shall be made by adding any changes to this document. Unless otherwise stated, changes shall be effective upon posting. You agree to review this Agreement from time to time for changes and updates.

Severance of Provisions

In the event that any provision of this Agreement is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provisions.

Applicable Law

Regardless of where you access this Site, live or work, this Agreement, any information on this Site and, except as otherwise expressly provided for in an account or loan agreement with us and except as otherwise prohibited by applicable law, your relationship with us, will be governed:

  • By the laws of the Commonwealth of Pennsylvania if a dispute arises in connections with information relating to, or your relationship with, Gateway Funding. You also consent to the exclusive jurisdiction of courts in Pennsylvania in connections with such disputes.