About Cobalt Privacy Policy

Privacy Policy
This privacy policy is effective March 8, 2010.

Information Policies
We place a high value upon the trust that you place in us when applying for a loan. We promise not to abuse that trust by inappropriately using the information you provide to us. We request this information in order to provide you with the most comprehensive and accurate data possible. We will not sell or give away your private information to any third party.

The information you provide will be used in the following ways.

Loan Application Information
Unless you are a government agent who must go through security clearance and background checks, a loan application is probably the most detailed information-gathering process that you will encounter as an ordinary citizen. As a mortgage company that has been in business for over thirty years, we are aware of the concerns you may have during this process. We will protect the sanctity of your trust by using your loan application information only and exclusively for the purpose of obtaining a mortgage.

When submitting an application for a mortgage loan, you will be asked to provide certain personally identifiable information, such as your first and last name, your home and employment addresses, your email address, your telephone number, your Social Security number and other information necessary to process your loan application, such as income, assets and liabilities. We do not share this information with any third party unless it is necessary to process your application. For example, if we need to obtain a credit report to process your application, we will share the relevant personally identifiable information necessary to obtain such a report with the credit bureau.

Once you begin the loan application process, you may review the information you have provided and request changes to update that information by logging into the password-protected account you created. You may make changes and save them to your profile using this password-protected account.

There are certain disclosures that Cobalt Mortgage, Inc. must make in connection with processing your application, as noted above, and others that you may be able to limit. You will receive a copy of our Privacy Notice when you become a customer of Cobalt Mortgage, Inc. You will also receive a copy of this notice annually while you continue to be a customer of Cobalt Mortgage, Inc. Click here to view a copy of the Privacy Notice provided to our customers. Download our Privacy Notice Document

From time to time, Cobalt Mortgage, Inc. will use the contact information you provide via this web site to send you email messages with helpful information about our products or services. You can elect not to receive these messages at any time by following the message's instructions for unsubscribing. You can also tell us that you wish not to receive these messages by entering your email address on our unsubscribe list at www.cobaltmortgage.com/unsubscribe.php. Even if you opt out from receiving these promotional emails, you may continue to receive messages from your loan officer about your pending loan application.

Contact Information and Personal Details
In addition to information used exclusively to submit your loan application, we ask for certain details, such as email addresses and personal details including whether you are a first-time mortgage buyer and whether you rent or own. We use this information to customize and personalize our site to meet your needs. None of this information is ever disclosed to third parties. Instead, we use this information to present information specific to your situation to better educate you about the opportunities that exist specifically for you.

In the event you submit a request for a representative from Cobalt Mortgage, Inc. to contact you, you will be prompted to provide your contact information, including your first and last names, your telephone number and your email address. We will use this information only to respond to your inquiry and will not share it with any third party.

Service Profiles
At the same time, there are many commonalities among our customers. We will occasionally compile statistics and other metrics across our customer base, but none of this information will contain personally sensitive information. For example, we may decide to build a new section on our Web site exclusively for current renters if our customer profile shows that 75% of our typical users are currently renting. In any case, none of your personal information is associated with these metrics.

We may share this generic service profile information with our partners, affiliates and potential investors in order to describe our client base to better serve you. Having access to this data means that we can make better decisions about how we run our business, and will help us determine what will best serve you, our valued customers.