SECURITY

Why your transaction with New England Capitol Mortgage is secure
There are two major types of security risks in sending data over the Internet: Eavesdropping and Impersonation. New England Capitol Mortgage uses Secure Layer (SSL for short) to combat both of these risks. SSL has been standard equipment on browsers for several years. If your computer has version 4 or higher of Netscape Navigator, Internet Explorer or AOL you have SSL.

Protection from impersonation
SSL server authentication allows your browser to confirm a server’s identity. Using standard techniques of public-key cryptography, it checks that the server’s certificate and public ID are valid and have been issued by a certificate authority (CA) listed in the browser’s list of trusted CAs. Our on line application is processed through our mortgage software provider www.elliemae.com. This encrypted application is only capable of being read by our proprietary software and is further protected through Digicert, a (CA).

Protection from eavesdropping
An SSL connection encrypts all information sent between your browser and our server. This provides an extremely high degree of confidentiality. In addition, all data sent over an encrypted SSL connection is protected with a mechanism for detecting tampering— that is, for automatically determining whether the data has been altered in transit.

How you can be sure
New England Capitol Mortgage uses SSL whenever sensitive information is sent or received from your computer. When you see the Key (Netscape) or Lock (Internet
Explorer or AOL) you can be sure that it really is New England Capitol Mortgage and not an imposter. You can also be sure that nobody else can see or alter your information in transit.

PRIVACY

This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission’s implementing regulation Thereunder, 16 CFR Part 313.

Collection Sources:

1. We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms; Information about your transactions with us, our affiliates, or others; and information we receive from a consumer reporting agency.

2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide loan origination services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

MA Mortgage Licensed Lender and Broker
LICENSE # MC 0136 NMLS #2821