Privacy Policy

Updated at 2021-06-22

Sammamish Mortgage (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Sammamish Mortgage.  Sammamish Mortgage includes its brand Rates and Money.  This Privacy Policy applies to our websites (the “Websites”), and their associated subdomains (collectively, our “Services”) alongside our applications, Sammamish Mortgage and Rates and Money. By accessing or using our Services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms & Conditions.

Consent

By using Sammamish Mortgage or contacting us directly, you have accepted this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our Websites or use our Services. Continued use of the Websites, direct engagement with us following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly defined as:

  • Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
  • Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to Sammamish Mortgage, (3055 112th Ave NE Suite 203 Bellevue, WA 98004) that is responsible for your information under this Privacy Policy.
  • Country: where Sammamish Mortgage or the owners/founders of Sammamish Mortgage are based, in this case is United States
  • Customer: refers to the company, organization or person that signs up to use the Sammamish Mortgage Services to manage the relationships with your consumers or service users.
  • Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit Sammamish Mortgage and use the services.
  • IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the Internet.
  • Personnel: refers to those individuals who are employed by Sammamish Mortgage or are under contract to perform a service on behalf of one of the parties.
  • Personal Information: any information that directly, indirectly, or in connection with other information — including name, address, phone number, e-mail address, personal identification number — that allows for the identification or identifiability of a natural person.
  • Third-party Service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
  • Website: Sammamish Mortgage’s” site, which can be accessed via this URL: https://www.sammamishmortgage.com/
  • Website: Rates and Money’s site, which can be accessed via this URL https://www.ratesandmoney.com/
  • You: a person or entity that is registered with Sammamish Mortgage to use the Services.

Types of Information We Collect

Information collected directly from you: 

  • Account Registration – Your name, email, phone number and other relevant information when you create an account. We also may collect information relating to the actions that you perform while logged into your account.  The purpose of this collection is to allow our Services and Websites to run efficiently.
  • Lead Forms – as part of the Services offered by Rates and Money, we collect information when you use our lead forms on our Rates and Money website. This may include your name, email, phone number, and address. In addition, these forms may ask for information specific to your request, such as type of loan you are seeking. The purpose of collection and use of this data is that we use your information to perform activities associated with the Services that you have requested.
  • Financial information – Via Rates and Money, you may provide us with information such as credit history, income, loan amounts, related to requesting financial products and services relating to loan inquiries for mortgages.  The purpose of the collection is we have a business need to use this information to facilitate your request and connect you to lenders provide the products you request.   
  • Information You Post on the Services – When available on the Services, we may collect Personal Information from you when you provide or post information to our Services. We may use this information for our purposes and/or make this information available to others as you request.
  • Mailing List – If you sign up for one of our mailing lists, we collect your email address and/or postal address. The purpose of collection and use of this data is that we have a business need to share information about the Services.
  • Support – If you contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us, to reply. The purpose for collection and use of this data is to receive and act upon your feedback or request for support.

Information Automatically Collected

There is some information like your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our platform. This information may be used to connect your computer to the Internet. Other information collected automatically could be a login, e-mail address, password, computer and connection information such as browser plug-in types and versions and time zone setting, operating systems and platforms, purchase history, (we sometimes aggregate with similar information from other Users), the full Uniform Resource Locator (URL) clickstream to, through and from our Website that may include date and time; cookie number; parts of the site you viewed or searched for; and the phone number you used to call our Customer Services. We may also use browser data such as cookies, Flash cookies (also known as Flash Local Shared Objects) or similar data on certain parts of our Website for fraud prevention and other purposes. During your visits, we may use software tools such as JavaScript to measure and collect session information including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page. We may also collect technical information to help us identify your device for fraud prevention and diagnostic purposes. We automatically collect certain information when you visit, use or navigate the platform. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about who and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our platform, and for our internal analytics and reporting purposes.

Employment Data

If you are a Sammamish Mortgage worker or applicant, we collect information you voluntarily provide to us. We use the information collected for Human Resources purposes in order to administer benefits to workers and screen applicants. You may contact us in order to (1) update or correct your information, (2) change your preferences with respect to communications and other information you receive from us, or (3) receive a record of the information we have relating to you. Such updates, corrections, changes and deletions will have no effect on other information that we maintain, or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change or deletion.

Manage Your Information

You can make the following choices regarding your Personal Information:

  • Access. You may request access to your Personal Information that we collect on our own behalf. If required by law, upon request, we will grant you reasonable access to the personal information that we have about you.
  • Changes. We rely on you to update and correct your Personal Information.  If our Services do not permit you to update or correct certain information, contact us at the address described below. 
  • Deletion. You may, however, request information about how long we keep a specific type of information, or request that we delete your Personal Information by contacting us at the address described below. If required by law we will grant a request to delete information, but you should note that in some situations we must keep your Personal Information to comply with our legal obligations, resolve disputes, enforce our agreements, or for another one of our business purposes. 
  • Objection to Certain Processing. When we process information on our own behalf, you may object to our use of your Personal Information by contacting us at the address described below. For California residents, please see below for options available to California consumers.    
  • Revocation of Consent. If you revoke your consent for the processing of personal information, then we may no longer be able to provide you Services. We may limit or deny your request to revoke consent if the law permits or requires us to do so or if we are unable to adequately verify your identity. You may revoke consent to processing (where such processing is based upon consent) by contacting us at the address described below. 

Note that, as required by law, in order to process your request, we will require you to prove your identity. Depending on your request, we will require, at minimum, you to provide your name, phone number, and email address. 

Sharing of Information

Data Analytics and Remarketing Services We may use certain web analytics services, including Google Analytics, Facebook Pixel, and Sessions to analyze how visitors use the Websites and our Services. We may collect information, including your browser type, operating system, Internet Protocol (IP) address, domain name, click-activity, referring website, and/or a date/time stamp for visitors because we have a business need to monitor our networks and the visitors to our Websites. We may receive reports based on the use of these technologies on both an individual and aggregated basis. These Third-Party Services also use this information to place advertisements for our products on other websites that you visit after your use of the Website. These advertisements may be based on actions such as the pages you visited and actions you take during your use of the Websites. You may opt out of third-party use of cookies or device identifiers by visiting Ad Settings (google.com) About Google ad personalization – Android – Ads Help NAI Consumer Opt Out (networkadvertising.org)

Location Data

When you use certain of our Services, we may use your location data to provide you with location-based offers through Google Local Services. Some features within our Services may only function upon confirmation of your location, and therefore such features will not be available if you choose not to provide your location data. Depending on the platform you use to access our Services you may be able to control whether location data is collected from with the controls on your device.

Social Media

Social media plug-ins of social networks such as Facebook, Twitter, and LinkedIn (among others) may be integrated on the Services. Where the Services contain a plug-in to a social network, these are clearly marked (e.g. with a Facebook button). If you chose to click on one of these buttons or links, your browser connects directly to the servers of the relevant social network. The social network directly transmits the content of the plugin to your browser. If you are registered on the relevant social network and logged into your respective account the social network receives the information that the web page was used by you. If you interact with a social network plug-in (e.g. you press the Facebook “Like” –feature, the Twitter “Tweet this” feature or equivalent) or drop a comment on the appropriate web page, the corresponding information is directly transmitted to the relevant social network from your browser. If you are not registered with the social network or you are logged out before you visit the Services, there is the possibility that at least your IP address will be submitted to and stored by the social network. If you interact with us through a social media platform, plug-in etc. then you may be permitting us to have on-going access to some limited information from your social network profile (such as name, email address, photo, gender, location, the people/sites you follow etc.).

Other Disclosures With Your Consent

In addition to advertisements for our Services, we may also share Personal Information with other persons or entities with your consent. With consent when required, certain Services may share your Personal Information with third party marketing partners, and they may contact you by email, telephone, postal mail or other common communication methods with marketing and promotional messages about their products or services. When you provide consent to receive communications from that third-party advertiser, your Personal Information will be managed by that third party’s own privacy policy. 

Other Disclosures Without Your Consent

We may disclose information to comply with relevant laws, including in response to subpoenas, warrants, or court orders. We may also share your information to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action relating to possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies.

Sale of Business

We reserve the right to transfer information to a third-party in the event of a sale, merger or other transfer of all or substantially all of the assets of Sammamish Mortgage or any of its Corporate Affiliates (as defined herein), or that portion of Sammamish Mortgage or any of its Corporate Affiliates to which the Services relates, or in the event that we discontinue our business or file a petition or have filed against us a petition in bankruptcy, reorganization or similar proceeding, provided that the third-party agrees to adhere to the terms of this Privacy Policy.

Affiliates

We reserve the right to disclose information (including Personal Information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, “Corporate Affiliate” means any person or entity which directly or indirectly controls, is controlled by or is under common control with Sammamish Mortgage, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law

This Privacy Policy is governed by the laws of the State of Washington, United States without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy except for those individuals who may have rights to make claims under Privacy Shield, or the Swiss-US framework. Your use of the website may also be subject to other local, state, national, or international laws.

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by Sammamish Mortgage. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.

Advertising

This website may contain third-party advertisements and links to third-party sites. Sammamish Mortgage does not make any representation as to the accuracy or suitability of any of the information contained in those advertisements or sites and does not accept any responsibility or liability for the conduct or content of those advertisements and sites and the offerings made by the third parties. Advertising keeps Sammamish Mortgage and many of the websites and services you use free of charge. We work hard to make sure that ads are safe, unobtrusive, and as relevant as possible. Third-party advertisements and links to other sites where goods or services are advertised are not endorsements or recommendations by Sammamish Mortgage of the thirdparty sites, goods or services. Sammamish Mortgage takes no responsibility for the content of any of the ads, promises made, or the quality/reliability of the products or services offered in all advertisements.

Cookies for Advertising

These cookies collect information over time about your online activity on the website and other online services to make online advertisements more relevant and effective to you. This is known as interest-based advertising. They also perform functions like preventing the same ad from continuously reappearing and ensuring that ads are properly displayed for advertisers. Without cookies, it’s really hard for an advertiser to reach its audience, or to know how many ads were shown and how many clicks they received.

Cookies

Sammamish Mortgage uses “Cookies” to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.

Blocking and Disabling Cookies and Similar Technologies

Wherever you’re located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our Websites from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser’s help menu for more information.

Kids’ Privacy

We do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal Information, please contact us. If we become aware that we have collected personal Information from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

Changes To Our Privacy Policy

We may change our Services and policies, and we may need to make changes to this Privacy Policy so that they accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Websites) before we make changes to this Privacy Policy and give you an opportunity to review them before they go into effect. Then, if you continue to use the Services, you will be bound by the updated Privacy Policy. If you do not want to agree to this or any updated Privacy Policy, you can delete your account.

California Residents

The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above. We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:

  • Right to Know and Access. You may submit a verifiable request for information regarding the: (1) categories of Personal Information we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used by us; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information we have collected about you.
  • Right to Equal Service. We will not discriminate against you if you exercise your privacy rights.
  • Right to Delete. You may submit a verifiable request to close your account and we will delete Personal Information about you that we have collected.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us. For more information about these rights, please contact us. Request to Not Sell for California Residents You may submit a request to us to not sell your Personal Information, which will be effective for 12 months [add url to specific website called “Do Not Sell My Personal Information” that allows consumers to opt out of the sale of personal information

California Information Sharing Disclosure

California Civil Code Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law).  The table below indicates the categories of personal information we collect and transfer in a variety of contexts.  Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself, for instance for those people that utilize our Rates and Money website.  

Category of Personal Information Is information collected by us? Is information transferred for valuable consideration? Is information trasferred for business purposes?
Audio, electronic, visual, thermal, olfactory, or similar information
Bank account number
Biometric information
Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)
Credit card number
Debit card number
Driver’s License Number/ State ID
Education
Electronic network activity (e.g., browsing history)
Email address
Employment
Employment history
Geolocation data
Health insurance information
Identifiers (e.g., name or alias)
Insurance Policy Number
Medical Information
Online identifier (e.g., IP address)
Other financial information
Passport Number
Physical Characteristics
Postal address
Signature
Social Security Number
Telephone Number
Transaction information

Contact Us

Don’t hesitate to contact us if you have any questions.

Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004
View: GLBA Privacy Notice

TCPA

By clicking “Submit” (or whatever the action button says) I am agreeing to receive phone calls, SMS (text messages) and emails from

Sammamish Mortgage

I expressly consent to recurring contact from Sammamish Mortgage, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. Terms & Conditions/Privacy Policy apply.

SMS Opt Out

Sammamish Mortgage SMS Terms & Conditions

For all SMS Communications Reply HELP for help, Reply STOP to cancel. Message & Data Rates May Apply.

Compatible carriers include: AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, U.S. Cellular.

Alerts sent via SMS may not be delivered if the mobile phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of the wireless carrier may interfere with message delivery, including the customer’s equipment, terrain, proximity to buildings, foliage, and weather. The wireless carrier does not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages.

To discontinue receiving SMS messages from

Sammamish Mortgage, reply with the text STOP.
For additional help, text HELP or contact Sammamish Mortgage or call (425) 401-8787.
Sammamish Mortgage respects your right to privacy. You can view our privacy policy

Connect with America’s Lending Experts today!

Whether you’re buying a home or ready to refinance, our professionals can help.