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Initial Notice

 


Initial Privacy Notice

  • Our privacy principles: We are committed to protecting our clients' personal and financial information. This privacy statement addresses what nonpublic personal information we collect, what we do with it, and how we protect it.

  • What information we collect: We may collect and maintain several types of personal information in the course of providing you with appraisal services, such as:
  1. Information we receive from you on applications, letters of engagement, forms found on our website, correspondence, or conversations, including, but not limited to, your name, address, phone number, social security number, date of birth, bank records, salary information, the income and expenses associated with the subject property, the sale price of the subject property, and the details of any financing on the subject property.
  2. Information about your transactions with us, our affiliates or others, including, but not limited to, payments history, parties to transactions and other financial information.
  3. Information we receive from a consumer reporting agency such as a credit history.
  • What information we may disclose: We may disclose the nonpublic personal information about you described above, primarily to provide you with the appraisal services you seek from us. We do not disclose nonpublic personal information about clients or former clients except as required or permitted by law.

  • Who we share the information with: Unless you tell us not to, we may disclose nonpublic personal information about you to the following types of third parties:
  1. Financial service providers, such as banks and lending institutions.
  2. Non-financial companies.
  • You may limit information shared about you. If you prefer that we not disclose nonpublic personal information about you to third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those permitted by law). If you wish to opt out contact us at 412-831-1500 or complete an opt-out form at our web site, located at on our appraisal order form located within this web site. 

 

Confidentiality and Security Policy

  1. We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served.

  2. We restrict access to personal information to authorized individuals who need to know this information to provide service and products for you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing services for us, or other financial institutions that have joint marketing agreements with us.

  3. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confidentiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party.

 

 


WARNING!

HVCC & YOU!

On May 1, 2009 the HVCC was initiated throughout the Country on every mortgage transaction that involves an appraisal that is sold to Fannie Mae and Freddie Mac. This involves all conventional loans which prior to the present meltdown was approximately 70% of all lending. With the banking system crippled, conventional loans seized up and nearly came to a halt. Presently, the conventional mortgage market is still trying to get back on its feet albeit very slowly and cautiously. Then there is the HVCC.

The HVCC came about due to pressure put on an appraisal management company called eAppraiseIT by a large mortgage lender Washington Mutual in the State of New York. The Attorney General of New York created the HVCC. To stay out of litigation (even though not directly involved), the appellant in the case (The State of New York) arranged to have Fannie Mae (FNMA) sign an agreement that all loans placed through FNMA & Freddie Mac would have to adhere to this new HVCC.

“We knew this was causing extreme hardship to the industry, but we didn’t expect to get thousands of horror stories from would-be homebuyers whose dreams have been dashed by this well-intended, but misguided policy. Every day thousands of people are getting the rug yanked out from under them in their quest to become homeowners because of HVCC. You only need to go to our petition website to read the stories for yourself,” said Kearns.

 READ MORE...

 

CLIENT LOGIN

We still accept appraisal orders via fax, phone call and through the Order Appraisal link on our website.

CLICK HERE!

 


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