Privacy Policy
At Cardinal Financial Company, Limited Partnership (“Cardinal Financial”), we understand the importance of your personal and financial information (“Financial Information”). To protect your Financial Information, Cardinal Financial has adopted the following privacy policy. By sharing Financial Information with Cardinal Financial, whether through the Internet, over the phone, or other, you are indicating that you understand and consent to the following.
Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don’t knowingly attempt to solicit or receive any information from children.
Cardinal Financial will use your Financial Information (such as name, address, social security number, telephone number, email address, etc.) to provide you with the financial services you request, to provide you with information about our financial services and offerings, and for our other everyday business purposes, such as to respond to court orders, comply with regulatory requirements, and conduct internal analysis.
Cardinal Financial may use your Financial Information or website activity to send you email marketing communications. Cardinal Financial may also use your Financial Information and website analytics (described below) to deploy targeted digital marketing and targeted offers. If you do not want to receive these offers or promotions, send an email to clientcare@cardinalfinancial.com or call (855) 561-4944.
Cardinal Financial will not sell or share your Financial Information with outside companies for their promotional use. While credit reporting agencies may share your information with other companies when you apply for a home loan, Cardinal Financial will not do so. You can stop these calls and emails by opting out of these prescreened credit offers, call (888) 567-8688 or visit www.optoutprescreen.com.
Cardinal Financial may record and save the Financial Information you share with us. We may share that Financial Information, on a confidential basis, to service providers such as title companies, credit reporting agencies, appraisers, and others who we work with in handling your loan (“Service Providers”). If you submit a loan application or a request to be prequalified to us, you authorize us to share your credit report and other Financial Information with our Service Providers for the purpose of processing your loan application or request.
In some instances, third parties (such as consultants, auditors, accountants, attorneys, or software developers) may need to access your Financial Information as part of services that they are providing to Cardinal Financial. If any such third parties are given access to your Financial Information, they are strictly prohibited from using it for any reason other than to provide the service that Cardinal Financial requested.
If you call Cardinal Financial, we may record and/or transcribe the phone call. We do this to help ensure that we are providing you with the best possible customer service.
You may choose what Financial Information to share with Cardinal Financial; however, some Financial Information may be necessary in order for us to fulfill your request. If you choose not to provide necessary Financial Information, we will not be able to provide you with the requested service.
If Cardinal Financial is involved in a sale, merger, transfer, exchange, or other disposition, your Financial Information may be transferred to another entity as a part of that process.
In certain situations, Cardinal Financial may be required to share Financial Information to comply with laws, court orders, subpoenas, search warrants, or law enforcement requests.
Cardinal Financial takes care to protect the Financial Information you provide us. For Financial Information provided over the Internet, Cardinal Financial uses both physical and digital security measures to keep your Information safe.
Cardinal Financial may use “cookies” to help us better understand how customers use our website and to troubleshoot problems with sessions. We may also use cookies to make the experience of using our website easier for our customers. Your browser may be required to accept cookies from Cardinal Financial in order to use certain features of our website.
Cardinal Financial may also track usage data, including your IP address, which pages you view, how you came to our site, and other information about your experience with Cardinal Financial’s website. This information is used to help us understand what parts of our website are most valuable to visitors, and what we can do to improve our website. We may also use cookies, analytics, and other technologies to develop new services, learn about the effectiveness of our advertising, and to learn what Cardinal Financial offerings may be of interest to you.
Cardinal Financial uses web analytics services, which currently include Google Analytics and Jornaya.
Google Analytics is a web analytics service provided by Google Inc. Google Analytics uses cookies and similar technologies to analyze how users use the Domains. The information generated about Domain usage (including your shortened IP address) is transmitted to Google in the U.S. This information is used to evaluate visitors’ use of the Domain, compile statistical reports on Domain activity, and provide other services related to the Site and Internet use. Google may also collect information about Domain visitors’ use of other websites. For more information about Google Analytics, or to opt out of Google Analytics, please go to: https://tools.google.com/dlpage/gaoptout.
Jornaya is a predictive analytics platform that gives us data about where users are clicking on our site. You can visit their privacy policy at: https://www.jornaya.com/consumer-privacy-policy/.
For more information about how Cardinal Financial protects your Financial Information, or to get answers to any questions about our privacy policy, email us at clientcare@cardinalfinancial.com.
California Consumer Privacy Act Privacy Policy & Notice at Collection:
The California Consumer Privacy Act (CCPA) grants California residents some rights over how Cardinal Financial manages your “personal information,” which we refer to herein as your Financial Information. The following California-specific privacy policy supplements our general Privacy Policy (set forth above) and serves as our “notice at collection” under the CCPA. Please be aware the following applies solely to California residents.
The CCPA gives California residents the following rights:
- the right to know why we collect Financial Information (including whether we sell it), what we collect, and how we collect it;
- the right to have your Financial Information deleted; and
- the right to receive equal treatment if you exercise your CCPA rights
Financial Information: Why, What, and How we collect
As set forth more fully in our Privacy Policy, we collect Financial Information in order to conduct our business (making and servicing mortgage loans) and carry out our business purposes. We may share your Financial Information, on a confidential basis, with outside companies, but we DO NOT sell your Financial Information or allow these outside companies (with whom we have shared your Financial Information) to utilize your Financial Information for any reason other than to complete the business purpose for which the information was shared.
Below are the categories (along with examples) of Financial Information we collect and the business purpose(s) for its use:
| Category | Examples | Business Purpose(s) |
|---|---|---|
| Identifiers | name, alias, address, email | Performing services; providing financing and customer service; protecting against fraud |
| Sensitive information | social security number, bank account numbers | Performing services; providing financing; protecting against fraud |
| Protected classifications (under CA or Federal law) | age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, and veteran or military status | Performing services; providing financing; protecting against fraud; compliance with mortgage lending laws |
| Commercial information | records of products or services considered or obtained | Providing customer service; internal analytics; marketing and advertising |
| Internet activity | browsing history, interactions with our website and advertisements | Providing online products and services; performing marketing and advertising |
| Professional or employment-related information | current or past job history or performance evaluations or reference checks | Providing financing; servicing accounts; protecting against fraud |
As set forth more fully in our Privacy Policy, we generally collect Financial Information directly from you, either through your interactions with our website or employees, during the mortgage application process, or as we service your mortgage loan. We may also collect Financial Information from outside sources, such as your prior mortgage servicer, governmental entities / public records, and internet advertisers and lead generators.
Requests to Know and Delete
As explained in more detail below, in some cases and upon proper request, California residents may be entitled to a report detailing the Financial Information we have collected and shared about them (“Right to Know”) and/or deletion of their Financial Information (“Right to Delete”).
California residents only have the Right to Know or Right to Delete in some cases because the CCPA does not apply in certain situations. For example, the CCPA does not apply to Financial Information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act. This means that Financial Information we collect, store, or share in connection with providing you a financial product or service is exempt from the CCPA, as well of our use of this information for our everyday business purposes (disclosed above).
In order to exercise any Right to Know or Right to Delete you may have, you will need to submit a request to our Consumer Advocacy Department by calling (888) 531-0386 or sending an email to consumeradvocacy@cardinalfinancial.com. This request will need to be “verifiable,” meaning we must be able to confirm:
- you are the California resident; or
- you are the California resident’s authorized agent, which will require (i) written evidence of the agent’s authority, which can include a valid power of attorney, and (ii) your personal information, so we can verify that you are the authorized agent.
Cardinal Financial will attempt to respond to a verifiable consumer request within 45 days of receipt. If we require more time (up to 90 days) we will inform you in writing of the reason for requiring more time and the additional time required to respond.