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We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the Web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers/servers in which we store personally identifiable information are kept in a secure environment.
We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, plus virus and use detection software. We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate. Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services. Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.
We are the sole owners of the information collected on this site. We only have access to collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We consider all personal information about you in our possession to be our intellectual property, even if you cease to be a customer. The personal information we collect about you may include among other things:
Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan officers, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.
We use the information collected to deliver our services and verify user identity.
We use the IP address and unique identifiers stored in your device’s cookies to help us authenticate your identity and to learn and improve the ways in which we provide services to customers.
We actively measure and analyze data to understand how our services are used. This review activity is conducted by our operations team to continually improve our platform’s performance and to resolve issues with the user experience.
We continuously monitor our systems’ activity information and communications with users to look for and quickly fix problems.
We use personal information collected, like an email address to interact with users directly when providing customer support or to keep you informed on log ins, transactions, and security.
Without processing your personal information for confirming each communication, we will not be able to respond to your submitted requests, questions and inquiries. All direct communications are kept confidential and reviewed internally for accuracy.
Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. When you visit our sites, we may collect information from you automatically through cookies or similar technology.
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.
A cookie is a small file that can be placed on your device that allows us to recognize and remember you. It is sent to your browser and stored on your computer’s hard drive or tablet or mobile device.
Other organizations may collect user information on our sites through cookies, tags and pixels. Tags and pixels, also known as web beacons, are similar to cookies but are collected through embedded images.
Using cookies and other technology allows us to analyze how our site is being used, measure the number of visitors to the site, and display advertising.
Cookies that are used by Ruoff are referred to as “first-party cookies” and those that are used by our partners are “third-party cookies”. Because of how cookies work, our website cannot access third-party cookies; nor can other organizations access the data in the cookies we use on our website.
As you browse our site, some of the cookies and similar technology we place on your device are for advertising, so we can understand what sorts of pages you read and are interested in. We can then display advertising on your browser based on these interests.
We sometimes use information such as your IP address and browser type and also sometimes share some limited aspects of this with third parties for advertising purposes.
The data that can be obtained from a visit to Ruoff is limited to the URL of the pages that have been visited and, in some cases, the status of any unfinished or completed commercial transactions undertaken with us, together with the limited information a browser might pass on, such as its IP address. We may also share online data collected through cookies and similar technology with our advertising partners.
You can find information about how to opt out of the cookies provided by our key partners here:
It is possible to stop your browser from accepting cookies altogether by changing your browser’s cookie settings. You can usually find these settings in the “options” or “preferences” menu of your browser. The following links may be helpful, or you can use the “Help” option in your browser.
If you would like to find out more about privacy, cookies and their use on the internet, you may find the following links useful:
We share personal information about you, as required or permitted by law, with third parties. If you become a customer, this may involve 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.
Ruoff Home Mortgage websites are hosted in the United States. If you are a user accessing the Services from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from United States laws, please be advised that through your continued use of the Services, which is governed by US law, you are transferring your Personal Information to the United States and you consent to that transfer.
We are committed to respecting the freedoms and rights of all our Ruoff users who place their trust in our services.