PRIVACY POLICY
Privacy Policy
Privacy Notice – CityWorth Mortgage, LLC
This privacy notice serves to inform you on how financial companies collect and share your personal information. CityWorth Mortgage, LLC takes online privacy seriously. This statement is one way of confirming your trust in our company, our products, and our services. Federal law allows consumers the right to limit some, but not all sharing. Federal law also requires financial companies to inform you on how we collect, share and protect your personal information. Please read this notice carefully to understand how we use information we collect.
Information we collect:
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and Income
• Account balances and Payment history
• Credit history and Credit scores
How:
All financial companies need to share Customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers personal information; the reasons CityWorth Mortgage, LLC. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
Everyday business purpose- Such as to process your loan application, service your, report to credit reporting agencies and respond to court orders and legal investigations.
Share - YES
Can you limit this sharing? NO
Marketing purposes- To offer our products and services to you.
Share - YES
Can you limit this sharing? NO
Joint marketing with other financial companies-
Share - No
Can you limit this sharing? NO
Affiliate business purposes- Information about your transactions and experiences.
Share - YES
Can you limit this sharing? NO
Affiliate’s everyday business purposes- Information about your creditworthiness.
Share - YES
Can you limit this sharing? YES
Affiliate to market you-
Share - YES
Can you limit this sharing? YES
Non-affiliates to market to you-
Share - NO
Can you limit this sharing? NO
Federal law gives you the right to limit only:
Sharing for affiliates’ everyday business purposes-information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)
You can contact us at any time to limit our sharing. If you have Questions about This Privacy Statement, contact CityWorth at: info@CityWorth.com – 703-259-8602 – 11781 Lee Jackson Hwy Fairfax VA 22033.
To limit sharing:
Call 703-259-8602
Visit us online at CityWorth.com
Complete and Mail this Opt-Out page
TO OPT OUT, MAIL IN THE FOLLOWING INFORMATION:
Mark any/all you want to limit
____Do not share information about my credit worthiness with your affiliates for their everyday business purposes
____Do not allow your affiliates to use my information to market to me
____Do not share my personal information with non-affiliates to market their goods and services to me
Your choice will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.
Last Name: (Please Print) ____________________________________________
First Name: (Please Print) ____________________________________________
Loan Account Number: _______________________________________________
Street Address: _____________________________________________________
City: _______________________State: ______________ Zip: ________________
Mailing Address: (If different than street address)____________________
City: _______________________State: ______________ Zip: _________________
Signature: _______________________________________ Date:_______________
Mail To:
CityWorth Mortgage, LLC
11781 Lee Jackson Hwy
Fairfax, VA 22033
Attn: Marketing – RE: Privacy/Information Sharing Opt-Out
California Residents – We will not share information we collect about you with companies other than our corporate affiliate unless the law allows. California residents are provided a separate notice with additional choices as required by California law.
Vermont Residents – We will not share information we collect about you with companies other than our corporate affiliate unless the law allows. We will not share information about your creditworthiness with our corporate affiliate except with your consent, but we may share information about our transactions or experiences with you with our corporate affiliate without your consent.
Nevada Residents – Nevada Statute Section 228.600(3) allows marketing calls to our existing customers listed on the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call list by detaching, completing and mailing us the Opt-Out form on this Privacy Notice to CityWorth Mortgage, LLC- 11781 Lee Jackson Hwy, Fairfax, VA 22033 – Attn: Marketing, RE: OPT OUT. For more information contact us at the address above or e-mail us at: info@cityworth.com and include “Nevada Annual Privacy Notice” in the subject line. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, Phone: 702.486.3132, Email: BCPINFO@ag.state.nv.us
Will CityWorth Mortgage, LLC Make Changes To This Privacy Statement?
This statement remains in effect until amended. CityWorth Mortgage, LLC reserves the right to amend this Privacy Statement or alter its privacy principles at its sole discretion without notice to you. Any alterations to this Privacy Statement or our privacy principles will be updated on our web site.
Important Notice About Credit Reporting: Please note that we report information about you to consumer reporting agencies. Late payments, missed payments or other defaults on your account may be reflected on your credit report.
Terms of Use
Terms of Use
Please Read Carefully Before Using This Website:
CityWorth Mortgage LLC maintains this site for information and communication purposes. This webpage contains the Terms of Use governing your access to and use of www.cityworth.com. If you do not accept these Terms of Use or you do not meet or comply with their provisions, you may not use the Website.
A. TERMS APPLICABLE TO ALL USERS
1. Overview
YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE.
You agree to receive important notices and other communications via telephone, mobile device (including SMS and MMS, standard messaging fees may apply) or email address you entered so CityWorth Mortgage LLC can reach you regarding this request. This authorization removes any previous registration(s) on a federal or state Do-Not-Call (DNC) registry or any internal opt-out/unsubscribe requests you may have previously requested with CityWorth Mortgage LLC.
You agree that we may access your credit file.
For users who are registered with the Website, your use of the Website shall be subject to (i) certain designated terms (see Section B below) in addition to those terms applicable to all users.
For users who are not registered with this Website, your use of the Website will be deemed to be acceptance of the Terms of Use, Section A.2. Changes To Terms
CityWorth Mortgage LLC may, at any time, for any reason and without notice, make changes to (i) this Website, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Website. Any modifications will take effect when posted to the Website. Therefore, each time you access the Website, you need to review the Terms of Use upon which access and use of this Website is conditioned. By your continuing use of the Website after changes are posted, you will be deemed to have accepted such changes.
3. Jurisdiction
The Website is directed to those individuals and entities located in the United States. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Website. CityWorth Mortgage LLC makes no representation that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate or that its products and services are available outside of the United States. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
4. Scope of Use and User E-Mail
You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact.
You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website, or the design or layout of the Website or individual sections of it, in any form or media. The systematic retrieval of data from the Website is also prohibited.
E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our Privacy Policy at www.cityworth.com/privacy. You agree not to submit or transmit any e-mails or materials through the Website that: (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. CityWorth Mortgage LLCshall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Terms of Use, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Website without the prior written consent of CityWorth Mortgage LLC is strictly prohibited.
5. Copyrights and Trademarks
The materials at this Site, as well as the organization and layout of this site, are copyrighted and are protected by United States and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non-commercial use; however, any print out of this Site, or portions of the Site, must includeCityWorth Mortgage’s copyright notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Site without the prior written permission of CityWorth Mortgage LLC.
Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website without the prior written permission of CityWorth Mortgage LLC. You may not use a part of this Website on any other Website, without CityWorth Mortgage LLC’s prior written consent.
CityWorth Mortgage LLC respects the intellectual property rights of others and expects our Users/ users to do the same. The policy of CityWorth Mortgage LLC is to terminate the accounts of repeat copyright offenders and other users who infringe upon the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us atsupport@cityworth.com
- Links
For your convenience, we may provide links to various other Websites that may be of interest to you and for your convenience only. However, CityWorth Mortgage LLC does not control or endorse such Websites and is not responsible for their content nor is it responsible for the accuracy or reliability of any information, data, opinions, advice, or statements contained within such Websites. Please read the terms and conditions or terms of use policies of any other company or website you may link to from our website. These Terms of Use policy applies only to CityWorth Mortgage LLC’s website and the products and services CityWorth Mortgage LLC offers. If you decide to access any of the third party sites linked to this Website, you do so at your own risk. CityWorth Mortgage LLC reserves the right to terminate any link or linking program at any time. CityWorth Mortgage LLC disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such sites.
You may not link to this Website without CityWorth Mortgage LLC’s written permission. If you are interested in linking to this Website, please contact support@cityworth.com.
- No Unlawful Or Prohibited Use
As a condition of your use of the Website, you warrant to CityWorth Mortgage LLC] that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
- Spamming
Gathering email addresses from CityWorth Mortgage LLC through harvesting or automated means is prohibited. Posting or transmitting unauthorized or unsolicited advertising, promotional materials, or any other forms of solicitation to other Users is prohibited. Inquiries regarding a commercial relationship with CityWorth Mortgage LLC should be directed to:support@cityworth.com.
- No Warranties
THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH CITYWORTH MORTGAGE LLC EXPRESSLY DISCLAIMS. CITYWORTH MORTGAGE LLC DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, ANDCITYWORTH MORTGAGE LLC WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE. CITYWORTH MORTGAGE LLC MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY CITYWORTH MORTGAGE LLC. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
- Governing Law, Location and Miscellaneous
These Terms of Use shall be governed in all respects by the laws of the State of VirginiaUSA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
11. Separate Agreements
You may have other agreements with CityWorth Mortgage LLC. Those agreements are separate and in addition to these Terms of Use. These Terms of Use do not modify, revise or amend the terms of any other agreements you may have with CityWorth Mortgage LLC.
- DMCA Copyright Policy and Copyright Agent
CityWorth Mortgage LLC respects the intellectual property rights of others. If you believe something on this Site has infringed your intellectual property rights, please notify our agent and provide the following information:
(i) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
(ii) Identification of the copyrighted work claimed to have been infringed.
(iii) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled.
(iv) Address, telephone number, and, if available, an electronic mail address where we may contact you.
(v) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
(vi) A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
The Site’s Copyright Agent can be reached at:
DeVan Shumway
11781 Lee Jackson Hwy Fairfax VA 22033
703-259-8600
703-268-5670
support@cityworth.com
13. U.S. Resident
You represent that you are a United States resident.
14. No Professional Advice
The information available on the Website is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. You should not construe this as legal, accounting or other professional advice. This Website is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.
15. Users Disputes
You are solely responsible for your interactions with other Users. CityWorth Mortgage LLCreserves the right, but has no obligation, to monitor disputes between you and other Users.
16. User Submissions And Communications; Public Areas:
You acknowledge that you own, solely responsible or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate these Terms of Use and will not cause injury to any person or entity; and that you will indemnify CityWorth Mortgage LLC or its affiliates for all claims resulting from content you supply.
If you make any submission to an area of the Website accessed or accessible by the public (“Public Area”) or if you submit any business information, idea, concept or invention toCityWorth Mortgage LLC by email, you automatically represent and warrant that the owner of such content or intellectual property has expressly granted CityWorth Mortgage LLC a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. CityWorth Mortgage LLC may sublicense its rights through multiple tiers of sublicenses. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, you must not submit them to the Public Areas or toCityWorth Mortgage LLC by email. We try to answer every email in a timely manner, but are not always able to do so.
Some of the forums (individual bulletin boards and posts on the social network, for instance) on the Website are not moderated or reviewed. Accordingly, Users will be held directly and solely responsible for the content of messages that are posted. While not moderating the forums, the Site reviewer will periodically perform an administrative review for the purpose of deleting messages that are old, have received few responses, are off topic or irrelevant, serve as advertisements or seem otherwise inappropriate. CityWorth Mortgage LLC has full discretion to delete messages. Users are encouraged to read the specific forum rules displayed in each discussion forum first before participating in that forum.
CityWorth Mortgage LLC reserves the right (but is not obligated) to do any or all of the following:
(a) Record the dialogue in public chat rooms.
(b) Examine an allegation that a communication(s) do(es) not conform to the terms of this section and determine in its sole discretion to remove or request the removal of the communication(s).
(c) Remove communications that are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms of Use.
(d) Terminate a Member's access to any or all Public Areas and/or theCityWorth Mortgage LLC site upon any breach of these Terms of Use.
(e) Monitor, edit, or disclose any communication in the Public Areas.
(f) Edit or delete any communication(s) posted on the CityWorth Mortgage LLC Site, regardless of whether such communication(s) violate these CityWorth Mortgage LLC standards.
CityWorth Mortgage LLC reserves the right to take any action it deems necessary to protect the personal safety of our guests or the public. CityWorth Mortgage LLC has no liability or responsibility to users of the CityWorth Mortgage LLC Website or any other person or entity for performance or nonperformance of the aforementioned activities.
17. Arbitration
Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any CityWorth Mortgage LLC confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Terms of Use or this Website shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Virginia, USA.
All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.
- Limitation of Liability
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. CITYWORTH MORTGAGE LLCSPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF CITYWORTH MORTGAGE LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY CITYWORTH MORTGAGE LLC. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.
19. Indemnity
You agree to defend, indemnify, and hold CityWorth Mortgage LLC, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Use.
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS
20. Accounts And Security
CityWorth Mortgage LLC does not warrant that the functions contained in the service provided by the Website will be uninterrupted or error-free, that defects will be corrected or that this service or the server that makes it available will be free of viruses or other harmful components.
As part of the registration process, each user will select a password (“Password”) and Login Name (“Login Name”). You shall provide CityWorth Mortgage LLC with accurate, complete, and updated Account information. Failure to do so shall constitute a breach of this Terms of Use, which may result in immediate termination of your Account.
You may not:
(a) select or use a Login Name of another person with the intent to impersonate that person;
(b) use a name subject to the rights of any other person without authorization;
(c) use a Login Name that Website, in its sole discretion, deems inappropriate or offensive.
You shall notify CityWorth Mortgage LLC of any known or suspected unauthorized use(s) of your Account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password. You shall be responsible for maintaining the confidentiality of your password.
Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your Account, at CityWorth Mortgage LLC’s sole discretion, and you may be reported to appropriate law-enforcement agencies.
Contact us: If you would like to request additional information regarding these Terms of Use, please contact us at support@cityworth.com