Accessibility Statement

GENERAL: Synergy Mortgage, Inc. strives to ensure that its services are accessible to people with disabilities. Synergy Mortgage, Inc. has invested a significant number of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

ACCESSIBILITY ON SYNERGYMORTGAGE.COM: synergymortgage.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows synergymortgage.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

ENABLING THE ACCESSIBILITY MENU: The synergymortgage.com accessibility menu can be enabled by clicking the accessibility menu icon that appears on the right side of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

DISCLAIMER: Synergy Mortgage, Inc. continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities. Despite our efforts to make all pages and content on synergymortgage.com fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution. HERE FOR YOU: If you are experiencing difficulty with any content on synergymortgage.com or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

CONTACT US: If you wish to report an accessibility issue, have any questions or need assistance, please contact Synergy Mortgage, Inc. Customer Support as follows: Email: moe@synergymortgage.com Phone: (845) 987-1969

Secure Transmission Policy

This policy addresses our Company's standards for secure transmission of non-public information (sometimes called "NPI").

Identity theft is a major concern and we must do all we can to prevent it.  We have certain measures in place to maintain he security, confidentiality and integrity of the information gathered from you to help protect against the loss, misuse or alteration of such information.  While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.

Our Privacy Policy Officer can address any questions or concerns a client may have regarding why protection of electronic information is important.

Privacy Policy

The Financial Services Modernization Act of 1999, Updated May 31st, 2018 - This privacy policy has been compiled to better serve those who are concerned with how their personally identifiable information (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context.

Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your personally identifiable information in accordance with our website.

Our privacy officer is Maureen F. Kohler.

What personal information do we collect from the people that visit our blog, website, or app? - When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, or other details to help you with your experience.

When do we collect information? - We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form at application, or enter information on our site.

How do we use your information? - We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use 'cookies'? -We do not use cookies for tracking purposes. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.

If you disable cookies, some features will be disabled that make your site experience more efficient and some of our services will not function properly. However, you can still place orders.

Third-Party Disclosure - We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our or others' rights, property, or safety.  However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-Party Links - Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google Advertising Requirements - Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users.  https://support.google.com/adordspolicy/answer/1316548?hl=en  We have not enabled Google AdSense on our site but we may do so in the future.

COPPA (Children Online Privacy Protection Act) - When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. We do not specifically market to children under 13.

European Union Requirements - We do not intend to share your personal data outside the European Economic Area (EEA). We may be subject to the provisions of the General Data Protection Regulations that protect your personal data. Where we transfer your data to third parties outside of the EEA, we will ensure that certain safeguards are in place to ensure a similar degree of security for your personal data.

As such, we may transfer your personal data to countries that the European Commission have approved as providing an adequate level of protection for personal data by; or if we use US-based providers that are part of EU-US Privacy Shield, we may transfer data to them, as they have equivalent safeguards in place; or where we use certain service providers who are established outside of the EEA, we may use specific contracts or codes of conduct or certification mechanisms approved by the European Commission which give personal data the same protection it has in Europe.

If none of the above safeguards are available, we will request your explicit consent to the specific transfer via email. You will have the right to withdraw this consent at any time.

Fair Information Practices - The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email as soon as reasonable after the discovery of the data breach. We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law.

This principle requires not only those individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN-SPAM Act - The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions.
  • Process orders and send information and updates pertaining to orders
  • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred

To be accordance with CAN-SPAM, we agree to the following:

  • Not use false, or misleading subjects or email addresses
  • Identify the message as an advertisement in some reasonable way
  • Include the physical address of our business or site headquarters
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly
  • Allow users to unsubscribe by using the link at the bottom of each email
  • If at any time you would like to unsubscribe from receiving future emails, you can email us and we will promptly remove you from all correspondence.

Customer Complaints

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us.