Bay Capital Mortgage Corporation (NMLSR#39610) ("Bay Capital") privacy statement is specifically designed for the protection of consumers, or individuals obtaining a mortgage product or service from us. Our Privacy Policy is below, however, to the extent that you would enter into a transaction with Bay Capital, a Privacy Policy Disclosure would be provided to you.
• An Affiliate is a company, financial or nonfinancial, related by common ownership or control.
• A Non-Affiliate is a company, financial or nonfinancial, not related by common ownership or control.
• Joint Marketing is a formal agreement between nonaffiliated financial companies that, together, market financial products to you.
Personal information is used to verify a consumer's identity, provide our consumers with quality consumer service and evaluate requests for products and/or services. Mortgage Lenders, such as Bay Capital, may choose how they share a consumer’s personal information.
However, Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires Bay Capital to inform you how we collect, share, and protect your personal information.
Mobile-Opt In, SMS consent, and phone numbers collected for SMS purposes will never be shared with third parties or affiliates for any marketing purposes (See TCPA SMS Consent Agreement section below for additional details).
Bay Capital collects personal information, for example, when a consumer:
• Applies for a loan
• Provides Income Information
• Provides Employment Information
• Provides Wage Statements
• Shows their Driver’s License
Bay Capital also collects personal information from others, such as credit bureaus, affiliates, or other companies.
Personal information is used to verify a consumer's identity, provide our customers with quality customer service and evaluate requests for products and/or services. Mortgage Lenders, such as Bay Capital, choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
The types of personal information we collect from consumers can include, but is not limited to:
Individuals or companies not affiliated with Bay Capital are considered third parties. Mortgage lenders are permitted (and sometimes even required) to share consumer information with third parties for certain business purposes, such as servicing consumer relationships, fraud and risk management, and responding to transaction requests.
Bay Capital is permitted to share your personal information, and a consumer has no ability to limit that sharing, for the following purposes:
Bay Capital DOES NOT share our consumer’s personal information for any of the following purposes:
SMS consent data and phone numbers will never be shared with third parties or affiliates for any marketing purposes (See TCPA SMS Consent Agreement section below for additional details).
If a customer believes we have provided inaccurate information to a credit bureau, that person should contact us in writing with their account number and other pertinent information at the following address: Bay Capital Company (NMLSR#39610), 2553 Housley Road, Suite 200, Annapolis, Maryland 21401.
To protect our customers' personal information from unauthorized access and use, we use security measures that comply with Federal Law. These measures include Computer safeguards and secured files and buildings.
We authorize our employees to access personal information only when they need it to do their work, and we require companies that work for us to protect our customers' information.
By providing your phone number and opting in, you consent to receive SMS communications from Bay Capital Mortgage Corporation regarding appointment reminders, requests for documents, and follow-up SMS. Standard messaging & data rates may apply. Messaging frequency may vary. You can opt out of receiving SMS communications from Bay Capital Mortgage Corporation at any time by replying STOP to any message. If you need support, please reply HELP. You can visit (https://www.baycapitalmortgage.com/PrivacyPolicy.html) to see our privacy policy and terms and conditions.
SMS consent is not required to obtain our goods and services.
Mobile Opt-In, SMS consent and phone numbers collected for SMS purposes will never be shared with third parties or affiliates under any circumstances, including for any marketing purposes.