Effective May 15, 2020
Forward Mortgage Lending, Inc., d/b/a Sage Mortgage (includes “us,” “we,” or “our”) is a mortgage broker. Most the of the data we collect on this website is governed by the Gramm-Leach-Bliley Act (GLBA), which applies to financial institutions like mortgage brokers. Please see our GLBA Privacy Notice for more information.
The following provides examples of the type of information that we may collect:
Account Registration. We may collect your name and contact information when you create an account. We may also collect information relating to the actions that you perform while logged into your account. The purpose for collection and use of this data is that we have a business need to provide account related functionalities to our users.
E-mail Interconnectivity. If you receive e-mail from us, we use certain tools to capture data related to when you open our message, click on any links or banners it contains and make purchases. The purpose for collection and use of this data is that we have a business need to understand how you interact with our communications to you.
Feedback/Support. If you provide us feedback or 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 that we have a business need to receive and act upon your feedback or issues.
Partner Promotion. We collect information that you may choose to provide as part of a co-branded promotion with another company. The purpose of collection and use of this data is that we have a business need to fulfill our promotions.
Mobile Devices. We may collect information from your mobile device such as unique identifying information broadcast from your device when visiting one of our websites. The purposes of collection and use of this data are that we have a business need to identify unique visitors and understand how users interact with us on their mobile devices.
Website interactions. We use technology to discover how you interact with our website (e.g., session replay). This may include which links you click on, or information that you type into our online forms. This may also include information about your device or browser. The purposes of collection and use of this data are that we have a business need to understand how you interact with our website to better improve it, and to understand your preferences and interests in order to select offerings that you might find most useful. We also have a business need to detect and prevent fraud.
Cross-Device Tracking. We and our service providers may collect and store information about users’ interactions with unaffiliated websites and applications that use our technologies, including cookies and similar tracking technologies. This allows us to infer the presence of a common user or household behind multiple devices or browsers, for instance, and then link those browsers and devices into a device graph. The purposes for collection and use of this data are that we have a business need to understand our users’ use of our sites across devices in order to allow users to use our services on one device and pick up seamlessly where they left off on another device. We also have a business need to provide personalized advertising on each device that is inferred from the browsing patterns on all of the devices.
Web logs. We may collect information, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to a computer when the Internet is used), domain name, click-activity, referring website, and/or a date/time stamp for visitors. The purpose for collection and use of this data is that we have a business need to monitor our networks and the visitors to our websites. Among other things, it helps us understand which of our services is the most popular.
In addition to the information that we collect from you directly, we may also receive information about you from other sources, including third parties, business partners, our affiliates, or publicly available sources.
We use certain web analytics services, including third-party services such as Google Analytics, to help us understand and analyze how visitors use the site. We may receive reports based on the use of these technologies on both an individual and aggregated basis. These analytics services, including third-party services such as Google Analytics, also use this information to place advertisements for our products on other websites that you visit after your use of the Site. These advertisements may be based on the pages you visited during your use of the Site. For further information about how Google may use data it collects through the Site you may click here. You also may choose to install the Google Analytics Opt-Out Browser Add-on to opt out of Google Analytics data collection.
In addition to the purposes and uses described above, we use information that we collect on our behalf in the following ways:
Although the sections above describe our primary purpose in collecting your information, in many situations we have more than one purpose. As a result, our collection and processing of your information is based in different contexts upon your consent, our need to perform a contract, our obligations under law, and/or our need to conduct our business.
In addition to the specific situations discussed elsewhere in this policy, we disclose information in the following situations:
Some of our websites may include features that are designed to permit interactions that you initiate between our site and third-party websites or services, including third-party social networks (collectively, "Social Features"). For example, you may be able to "like" or "share" content from our site on other websites or services, such as Facebook, Twitter, Instagram, YouTube, and LinkedIn.
Also see our GLBA Privacy Notice for information about opting out of certain sharing of your information.
If you are a resident of California, you can make the following requests regarding your personal information:
If you want to make requests for access, deletion, or Do-Not-Sell, you may call 877-219-6115 or email us at firstname.lastname@example.org.
No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. If we are required by law to inform you of a breach to your personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
When you create an account, you are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account.
The following additional information relates to our privacy practices:
Cookies on our services
There are four types of cookies used on our services:
For California Residents - Information Sharing Disclosure
California Civil Code 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicates that companies should disclose whether the following categories of information are transferred for consideration or for an organization’s “business purpose” as that term is defined under California law. Most of the information we collect and share about you is subject to the Gramm-Leach-Bliley Act (GLBA), but the categories of Personal Information below may be governed by the California Consumer Protection Act (CCPA).Note that while a category may be marked that does not necessarily mean that we have information in that category about you.
Category of Personal Information
Is information collected by us?
Is information transferred for valuable consideration?
Is information transferred for business purposes?
Online identifier (e.g. IP address)