Privacy Statement

Right Trac Financial Group recognizes the importance of protecting the privacy of business information about you, its customers. Business information includes all of the business related identifying information that you provide to Right Trac Financial Group. Right Trac Financial Group is sensitive to your privacy interests and believes that protecting valuable business and/or financial information is one of Right Trac Financial Group most significant responsibilities. Right Trac Financial Group has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices.

Customer Privacy Statement
At Right Trac Financial Group, we put our customers first and take pride in offering our customers financial services that meet their individual needs. We appreciate the trust our customers have in Right Trac Financial Group and place the highest priority on our customers’ privacy. As a Right Trac Financial Group customer, you can count on responsible treatment of any personal information you share with us.

Privacy Policy Statement: Use, Collection, and Retention of Customer Information
Your relationship is important to us, and we’re committed to providing you with the best service possible. To do that, we use, collect, and retain information about you and your account to keep you informed about the many financial services, products, and benefits available to you as a Right Trac Financial Group customer and to provide you the ability to manage your finances most effectively.

Maintenance of Accurate Information
Right Trac Financial Group has established procedures to ensure our customer’s financial information is accurate, current, and complete in accordance with reasonable business standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information
Each Right Trac Financial Group employee is required to follow our company’s “code of conduct,” which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. Access to personally identifiable information about you is limited to those employees who have a specific business reason to know such information. Our employees are educated and trained on the importance of confidentiality and privacy of customer information.

Protection of Information by Established Security Procedures
Right Trac Financial Group maintains security standards and procedures to help prevent unauthorized access to confidential customer information. We update and test our technology to improve the protection of our customer information and to assure the integrity of our information.

Restrictions on the Disclosure of Account Information
Right Trac Financial Group pledges not to reveal specific information about your accounts or other information that would personally identify you to those outside the Right Trac Financial Group organization for their independent use unless:

1.   The information is necessary to help complete a transaction you request,

2.   You request or authorize that the information be revealed,

3.   The disclosure is required or allowed by law, or

4.   The information is provided to a reputable credit bureau or similar information-reporting agency.

Maintaining the Customer’s Privacy in Business Relationships Outside Our Organization
Right Trac Financial Group does not release specific information about customer accounts or other personally identifiable information to unaffiliated third parties for their independent use. We expect the companies that we select as our business partners to honor our privacy principles in the handling of customer information. It is sometimes necessary to provide personally identifiable information about you to a party outside our organization. Some examples are when we hire a vendor or service company to prepare your account statements or to provide support for one or more of our products or services. When we work with outside businesses or companies, these vendors agree to safeguard your personal and confidential information, and these vendors must abide by applicable law. If a vendor is hired to use your information for marketing purposes, we will disclose this to you in advance and give you the opportunity to “opt out,” in which case your information would not be provided to the vendor for marketing purposes.

The Information That We Collect
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 from a consumer-reporting agency.

Nonpublic Personal Information and Former Customers
We do not disclose nonpublic information about former customers, except as permitted by law.

Use, Collection and Retention of Customer Information

Right Trac Financial Group collects, retains and uses information about its customers that is required by law to administer Right Trac Financial Group’s business and provide high-level services to our clients. Right Trac Financial Group retains information no longer than necessary to meet such objectives. All information voluntarily submitted, becomes the property of Right Trac Financial Group, with such submission acknowledging and consenting to Right Trac Financial Group’s authority to use customer’s name and/or address for advertising and promotional purposes without further consideration, unless prohibited by law. Customers who do not want Right Trac Financial Group to use their business information for Right Trac Financial Group’s marketing efforts, may opt out by informing Right Trac Financial Group of such in advance.

Maintenance of Accurate Information

Right Trac Financial Group has established procedures so that its customer's business and/or financial information is accurate, current and complete, in accordance with reasonable commercial standards. Any request to correct inaccurate information will be responded to within a timely manner.

Limiting Employee Access to Information

All Right Trac Financial Group employees are educated about the importance of privacy and confidentiality. Only those employees having a legitimate business reason for knowing a customer's business and/or financial information have access to such information.

Protection of Information via Established Security Procedures

Right Trac Financial Group maintains rigorous security standards and procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information

Right Trac Financial Group provides information about customer accounts or other business related identifiable data to third parties only when: 1) the information is provided to help complete a customer initiated transaction; 2) the customer requires it; 3) the disclosure is required by/or allowed by law; or 4) it is necessary to process transactions and provide services.

Maintaining Customer Privacy in Business Relationships with Third Parties

If it is necessary to provide business related identifiable customer information to a third party, Right Trac Financial Group shall insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.

General Information

Our site's registration form requires users to give us contact information (like their name and email address). We use customer contact information from the registration form to send the user information about our company. The customer's contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings.
Our online surveys ask visitors for contact information (like their email address). We use contact data from our surveys to send the user information about our company. The customer's contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings.
We run contests on our site in which we ask visitors for contact information (like their email address). We use contact data from our contests to send users information about our company. The customer's contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings.

Licensed Areas

Currently Right Trac Financial Group is licensed to conduct residential mortgage transactions in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. If you, the customer, choose to submit a form requesting information relating to our residential mortgage services, and we are not licensed in the state in which you wish to conduct this transaction, in order to serve your request for assistance, Right Trac Financial Group will pass your information to a person/company that is licensed in the state you are inquiring about, provided that this person/company adheres to similar privacy principles that provide for keeping such information confidential.

Disclosing Our Privacy Commitment to Our Customers
At Right Trac Financial Group, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any question about how Right Trac Financial Group protects your confidential information, please contact us— Phone:  860-651-7890,  E-mail: information@righttracfg.com or write us at: Right Trac Financial Group, 110 Main Street, Manchester, CT 06040.

Information subject to change without notice. © 1999-2001 by Right Trac Financial Group. All rights reserved. All, graphical design, content and other information contained on this web site under the domain www.RightTracFG.com and or any domain name owned by author/owner that is used to direct to this site or other sites owned/operated by Right Trac Financial Group, it's employees or representatives, are property of their authors and all published data here are copyright protected. Any kind of reproduction of data from our domains is allowed only after the written permission of author. Authored by Right Trac Financial Group.