Program Policies, Terms and Conditions, & Disclosures

Click here for our Disclosures & Terms and Conditions

Click here for our Privacy Policy

Click here for our Affiliated Business Disclosure (AFBA)

Click here for our Cookie Policy

Disclosures & Terms and Conditions

NMLS #2240. Click here for the SIRVA Mortgage NMLS access page

*This not an offer of credit. This is not an offer to enter into an interest rate lock-in agreement. Mortgage approvals are rendered based on individual credit qualifications.
SIRVA Mortgage is engaged in the business of originating residential mortgage loans. We are licensed or authorized to conduct mortgage loan origination in all 50 states plus the District of Columbia. SIRVA Mortgage is not a depository institution and does not act as or represent itself a full service bank. Reference to the term “mortgage banker” is a common, accepted industry term referring to companies engaged only in the business of making mortgage loans. Various state laws and regulations and our individual license in various states refer to us as a mortgage lender, mortgage banker or mortgage broker. Please see the complete license disclosure below.

Click here for our Privacy Policy and click here for our Affiliated business relationships. Please see the complete license disclosure below. Call 800-531-3837 for more information.

**SIRVA Mortgage, Inc. is licensed by (among others): Arizona Licensed Mortgage Banker, License #BK-0901430; Loans made or arranged pursuant to a California – DBO Residential Mortgage Lending Act License #4130944; regulated by the Colorado Division of Real Estate, check the license status of your mortgage loan originator at www.colorado.gov/dora/division-real-estate; licensed by the Delaware State Bank Commissioner to engage in business in Delaware, Lender License #1755; Georgia Residential Mortgage Licensee #6221; Illinois Residential Mortgage Licensee licensed by State of Illinois Department of Financial and Professional Regulation, Division of Banking, 122 S. Michigan Avenue, Suite 1900, Chicago, IL 60603 (212) 793-3000 www.idfpr.com/ License #MB.0004037; Kansas Licensed Mortgage Company, License # SL.0000368; Massachusetts Mortgage Lender, License #ML2240; Licensed by the Mississippi Department of Banking and Consumer Finance, Mississippi Licensed Mortgage Company #2240; Missouri Residential Mortgage Licensee; Montana Mortgage Lender License #2240; Nevada Mortgage Broker License #1043, 225 Redfield Parkway, Suite 204, Reno, NV 89509 775-826-1171; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; “Licensed Mortgage Banker – NYS Banking Department; Ohio Mortgage Broker License #MB.803887.000; Oregon Mortgage Lender license # ML-186; Licensed by the Pennsylvania Department of Banking; Rhode Island Licensed Lender; Texas Mortgage Lender, License #2240. This is not an offer of credit or an offer to enter into an interest rate lock-in agreement nor is this notice of loan approval. NMLS Unique Identifier# 2240. (www.nmlsconsumeraccess.org/) Main Office of SIRVA Mortgage, Inc.; 6200 Oak Tree Blvd., Ste 300, Independence, OH 44131; Telephone: 1-800-531-3837. Information last updated 3/9/2015.

Licensed Mortgage Loan Originators employed by SIRVA Mortgage, Inc. and their NMLS Unique Identifiers: Alan E. Flowers #252043, Beth Walz #375922, Bradley Linn Chapman #4047, Debra Jean Jackson #3561, Eric Peter Brennan #4498, Ernest Edward Phillips. #4488, Jennifer Mae Miller #4248, Jeremiah James Timura #3521, Kathleen DiLillo Coombs #352701, Kathleen Marie Pope #3509, Linda Michelle Laramy #4034, Mark Dennis Lehman #942618, Matthew Todd Balk #4068, Patrick Alan Frimel #980933, Paul Eric Klemme #4909, Robin Patricia Kara #4408, Ronna Sills Harris #4399, Sam Oscar Simmerman Jr. # 4081, Thomas Francis Higgins #187418.

TEXAS MORTGAGE BANKER DISCLOSURE

PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

In the state of New Jersey a purchaser is obligated to pay any applicable taxes for receipt of the real estate cash back rebate and the purchaser should contact a tax professional concerning any possible tax implications of receiving the rebate.

***To receive the award, customers must close their real estate transaction with a SIRVA-referred real estate agent. Due to state regulations, the award program is not allowed in AK, AL, AR, IA, KS, LA, MO, MS, OK, OR, TN. Additionally, if you choose to sell your home with a SIRVA-referred broker in these states, the benefit will be provided in the form of a reduced real estate commission. If you are purchasing a home and use a SIRVA-referred broker in these states, and also choose to work with SIRVA Mortgage, Inc. (an Affiliate of SIRVA Relocation) for your financing, SIRVA Mortgage Inc. will issue you a credit toward closing costs; in addition to any other closing cost credit providing by your loan program. You are not required to use SIRVA Mortgage Inc. for home purchase financing. Closing cost credits cannot be issued without utilizing SIRVA Mortgage. None of these programs are valid for corporate-sponsored relocations or mobile homes. The minimum home value must be above $75,000 to receive miles in any program. Programs can be cancelled or modified at any time without notice.

SIRVA endeavors to refer real estate brokers and agents, household goods providers and other service providers that provide quality services and products. However, SIRVA and its respective associates, agents and representatives cannot make any representations or warranties as to the fitness and applicability of the referred brokers and agents, household goods providers and other service providers and their service for your particular situation and purpose. SIRVA does not provide a warranty with respect to your particular engagement, relationship and experience with the party referred brokers and agents or their services. You must evaluate the brokers, agents household goods providers and other service providers and their services and make selections and decisions based upon your own best judgment, interest, priorities, and concerns. SIRVA is not providing advice with respect to any selection or decision you may make.

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time without notice, and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage Million MilerSM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit aa.com/aadvantage.

American Airlines, AAdvantage, the Flight Symbol logo and AAdvantage Million Miler are trademarks of American Airlines, Inc.

Privacy Policy

SIRVA respects your privacy. We have developed this Privacy Policy to inform you of how we protect your information.

One Policy
SIRVA has one global Privacy Policy for consumers that applies to the entire SIRVA family of companies (“SIRVA”). One Privacy Policy makes it easy to understand and convenient for people to make informed choices about the management of their personal information. This Privacy Policy applies to the entire SIRVA family of companies. SIRVA is committed to complying with all local and worldwide privacy laws, including the European Union’s Privacy Directive and the relevant Safe Harbor Principles, through certification with the U.S. Department of Commerce Safe Harbor program.

Information Covered by this Policy
Our Policy applies to all, non-public, personal information that may be used to identify you that is obtained by SIRVA in connection with providing a consumer, financial product or service for personal, family, or household purposes (“Personal Information”).

Notice

A. Collection of Information.

  • We rely on many sources of information to understand and meet your needs. We may collect personal information about you from:
  • Your applications or in other ways when you visit us in person, over the phone, through the mail or through our Web sites;
  • Your browser, when you visit our Web sites and your browser interacts with us;
  • Your transactions with any of the companies in the SIRVA family;
  • Consumer reporting agencies;
  • Title, Appraisal or other companies connected with a financial product or service involved in the sale or purchase of your home;
  • Employers;
  • Anyone who you have authorized to provide information; and
  • Other sources, in connection with providing you a financial product or service.

We do not knowingly collect Personal Information from children and will destroy such information if it is disclosed to us without proper parental consent.

B. Use of Personal Information.

Information Sharing within the SIRVA family of companies
In an effort to provide you with the full range of financial, relocation, and moving services you may need, SIRVA takes an integrated approach to the services we provide. In order to be able to provide the full range of services for your needs and make recommendations about a variety of the services offered by SIRVA, we may share Personal Information among companies within the SIRVA family of companies.

Information Sharing with non-SIRVA family companies
Depending on the type of relationship you have with us, SIRVA may work with companies or organizations outside of the SIRVA family to provide services to SIRVA or to provide you with opportunities to buy products or services offered by SIRVA or jointly with other financial institutions. We may also share your Personal Information with companies or other organizations outside of the SIRVA family as required by or permitted by law. For example, we may share personal information to:

  • protect against fraud;
  • respond to a subpoena;
  • service your account;
  • those you have authorized us to disclose the information and others as permitted or required by law;
  • other institutions with whom we have joint marketing agreements;
  • companies that perform services, including marketing services, for us or for us and the institutions with whom we have joint marketing agreements; and,
  • other institutions with which we jointly provide financial products or services.

For your protection, we require all non-SIRVA companies to agree in writing to provide at least the same level of privacy protection as is required by this Privacy Policy. We will not disclose your Personal Information to anyone outside of SIRVA unless you have authorized us to do so or as otherwise indicated in this Policy or as required by law. When required to make disclosures pursuant to a court order or governmental directive, SIRVA will provide notice to you when it is feasible to do so.

Choice
You will always be given a chance to opt-out of any use of your Personal Information that is incompatible with the purposes for which it was originally collected or otherwise authorized by you, including if SIRVA makes changes to its Privacy Policy that require your additional consent to use the information, SIRVA will not collect any sensitive information (e.g., racial, religious, or health information) without obtaining your explicit prior consent.

Access
SIRVA provides you with a reasonable opportunity to access your Personal Information we have collected, correct it if inaccurate, or delete it as appropriate, subject to the exceptions stated below. Reasonable access means, for example, that requests for access are made during normal business hours, that you provide requested identification, and that requests are not excessive in number. If, at any time, SIRVA denies you access to any Personal Information, we will provide you with reasons for denying access and information about how you may make further inquiries. For instance, SIRVA reserves the right to deny access to information related to investigations or potential or actual litigation where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy, or where the rights of other individuals would be violated. In order to update your information, please send your request by electronic mail to privacy.administrator@sirva.com , by facsimile to the number (260) 429-3135, or by telephone to the number (260) 429-2755.

Data Integrity & Security
SIRVA will make every reasonable effort to keep accurate Personal Information while we are using that information to serve you. SIRVA appreciates your cooperation in maintaining complete and up-to-date Personal Information and will facilitate your efforts in this regard. SIRVA maintains Personal Information only as long as needed for the purposes for which it was collected or as required by contractual or other legal requirements.

  • We maintain agreements with external suppliers and others with whom we do business limiting the use of your Personal Information only for the purposes intended in providing the information. These suppliers and other companies are bound to uphold our procedures regarding privacy under the terms of our agreements with them.
  • We limit access to personal information about you to those employees who need to know that information to provide products and services to you.
  • We maintain physical, electronic, and procedural safeguards to protect your Personal Information. We regularly assess security standards and procedures to protect against unauthorized access to Personal Information.

You should always safeguard your own Personal Information by protecting passwords used to access a SIRVA system and by safely disposing of records and reports no longer needed.

Enforcement

A. Verification
Employee training and internal procedures are in place to allow SIRVA to ensure compliance with its Privacy Policy and the U.S. Department of Commerce Safe Harbor principles. SIRVA provides for regular internal compliance reviews of its privacy practices, and a SIRVA Privacy Officer is responsible for privacy implementation and compliance. To contact SIRVA’s Privacy Officer, you may send comments by electronic mail to privacy.administrator@sirva.com , by facsimile to the number (260) 429-3135, or by telephone to the number (260) 429-2755.

B. Dispute Resolution
SIRVA recognizes the importance of providing you the opportunity to address and resolve complaints about the processing of your Personal Information. Therefore, in addition to any legal remedies that may be available, if you make a complaint about the processing of your Personal Information, and it is not resolved to your satisfaction internally at SIRVA, SIRVA offers the independent alternative dispute resolution services of the American Arbitration Association (“AAA”) located at the following address:

225 North Michigan Avenue, Suite 2527
Chicago, Illinois 60601-7601 USA

The AAA can be reached by telephone at (312) 616-6560 or by facsimile at (312) 819-0404.

SIRVA, Inc. One Parkview Plaza, Oakbrook Terrace, Illinois 60181 (Reg. 2836093-Delaware-USA), +1 (800) 341 5648  or +1 (216) 606-7912 , Leadership Team.

What This Policy is About
This policy details how SIRVA uses cookies and cookie-like files and technologies on its website. In the spirit of transparency, this policy provides detailed information about how and when we use cookies.

What is a Cookie and Why do we Have Them
Cookies are small files typically of letters and numbers that are sent to and stored in your computer (“downloaded”) by the websites you visit, like ours. Cookies are stored in your browser’s file directory. The cookie will help the website, or another website, to recognize your device the next time you visit. There are other terms for cookies such as Web beacons, Local Shared Objects, Flash cookies or authentication files. The next time you visit the website that has used a cookie your browser will read the cookie and relay the information back to the website or element that originally set the cookie. We use the term “cookies” in this policy to refer to all files that collect information in this way.

Your Consent
When you visit our websites, use our mobile applications or our web based services and your browser settings accept cookies, we consider this as acceptance of our use of cookies.

This policy and your consent applies to this website, application or web based service as well as all other websites, applications and web based services of SIRVA and our affiliates. For information about SIRVA and our affiliates please visit www.sirva.com/about

Types of Cookies That we May use
Persistent cookies– These are the types of cookies that may be most familiar to you. A persistent cookie helps us recognize you as an existing user, so it’s easier to return to our site. They are stored on a users’ device in between browser sessions which allows the preferences or actions of the user across a site (or in some cases across different websites) to be remembered. Persistent cookies may be used for a variety of purposes including remembering users’ preferences and choices when using a site, data that you may input into a site or where you have previously visited.

Session cookies–Similar to persistent cookies these cookies allow websites to link the actions of a user during a browser session. They may be used to remember what pages a user has accessed as they browse around a site. They could also be used for security when a user is accessing services, sending emails or to facilitate use of webmail. However, these session cookies expire after a browser session so would not be stored longer term. For this reason session cookies may sometimes be considered less privacy intrusive than persistent cookies.

First and third party cookies– Whether a cookie is ‘first’ or ‘third’ party refers to the website or domain placing the cookie. First party cookies in basic terms are cookies set by a website visited by the user – the website displayed in the URL window. Third party cookies are cookies that are set by a domain other than the one being visited by the user. If a user visits a website and a separate company sets a cookie through that website this would be a third party cookie.

Although we do not use cookies to create a profile of your browsing behavior on third-party sites, we do use aggregate data from third parties and data from your profile and activity to show you relevant, interest-based advertising.

SIRVA Uses Cookies
Essential Cookies – We use cookies and similar tools across our websites to improve their performance and enhance your user experience. For example, they can help us to remember your username and preferences, analyze how well our website is performing, or even allow us to recommend content we believe will be most relevant to you.

Performance Cookies –We use cookies and other technologies to ensure everyone who uses our websites an applications has the best possible experience. Cookies also help us keep your account safe. By utilizing cookies to analyze how our visitors use our websites and to monitor website performance we can better provide a high quality experience by customizing our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the website.

Functionality Cookies – We use functionality cookies to allow us to remember your preferences and recall your customization preferences, such as which regional edition of the website you want to see when you log in. We also use functionality cookies to provide you with enhanced services such as allowing you to watch a video online or provide a comment. May also use Cookies to check that content is being used in accordance with our terms and conditions.

Information Retention
How long a Cookies can remain depends based on the type of cookies. Session cookies expire when you close the browser. Persistent cookies, including have typical expiration dates ranging from two months up to several years.

How You Can Block or Stop Using Cookies
Most browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may worsen you overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information. Disabling cookies may prevent you from using certain parts of SIRVA websites. If you delete your cookies from the browser, you may need to remember to re-install opt-out cookies.

If you do not want to receive cookies, you can change your browser settings on your computer or other device you’re using to access our services. If you use SIRVA web sites, applications and web based services without changing your browser settings, we’ll assume that you’re happy to receive our cookies.

Please be aware that blocking or limiting the use of Cookies may not remove advertising from the pages you visit; it will mean that the ads you see will not be matched to your interests. To opt out of advertisements please contact us or follow the applicable opt out policy.

Other Users of Cookies on Our Sites
As we’ve explained above, cookies help you to get the most out of our websites.

We use or allow third parties to serve cookies that fall into the categories above. For example, like many companies, we use Google Analytics to help us monitor our website traffic. We may also use third party cookies to help us with market research, revenue tracking, improving site functionality and monitoring compliance with our terms and conditions and copyright policy.

We may track or allow our marketing partners to track your receipt, viewing and response to marketing emails and other web based marketing campaigns. That information may be used to provide you with opportunities (through marketing efforts) of services and products for which you have shown interest.

More Information
While we will honor your wishes if you elect to stop or limit the use of cookies we hope that you find the information on our sites valuable and the use of cookies helpful in your interactions with SIRVA and the information, services and products that we offer to you.

If you would like more information on how businesses use cookies, the following sites may provide you helpful guidance and information:

www.aboutcookies.org

www.allaboutcookies.org

https://ico.org.uk/media/for-organisations/documents/1545/cookies_guidance.pdf

To learn more about advertisers’ use of cookies the following links are helpful:

Digital Advertising Alliance (EU)

Internet Advertising Bureau (US)

Internet Advertising Bureau (EU)

Network Advertising Initiative

If you have any queries regarding this Cookie Policy please contact our Privacy Officer at privacy.administrator@sirva.com, by telephone at +1 (216) 606-7912  or by facsimile at +1 (216) 606-7654.

SIRVA, Inc. One Parkview Plaza, Oakbrook Terrace, Illinois 60181 (Reg. 2836093-Delaware-USA), +1 (800) 341-5648 or +1 (216) 606-7912, Leadership Team.