P3P Privacy Policy

Last Modified: March 9, 2020

About Us

This is a p3p Privacy Policy for OCMBC, Inc. dba LoanStream Mortgage. Our homepage on the Web is located at https://one.lscorrespondent.com. The full text of our privacy policy is available on the Web at https://one.lscorrespondent.com/policy/.

Users may go to https://one.lscorrespondent.com/policy/ for information on how to opt-in or opt-out of use of their information.

We invite you to contact us if you have questions about this policy. You may contact us by mail at the following address:

OCMBC, Inc. dba LoanStream Mortgage
19000 McArthur Blvd
Suite 200
Irvine, CA 92612
USA

You may contact us by e-mail at compliancehelp@lsmortgage.com. You may call us at (800) 760-1833.

Dispute Resolution and Privacy Seals

We have the following privacy seals and/or dispute resolution mechanisms. If you think we have not followed our privacy policy in some way, they can help you resolve your concern.

  • OCMBC, Inc. dba LoanStream Mortgage: Contact Customer Service by Email at compliancehelp@lsmortgage.com
  • OCMBC, Inc. dba LoanStream Mortgage: Contact Customer Service by Phone at (800) 760-1833

Data Collection

P3P policies declare the data they collect in groups (also referred to as "statements"). This policy contains 3 data groups. The data practices of each group will be explained separately.

Group "Access Log Information"

We collect the following information:

  • Click-stream data

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • Web site and system administration.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Our Web Server collects this information to provide metrics regarding site usage and load levels.

Group "Loan Application Information"

We collect the following information:

  • HTTP cookies

At the user's option, we may also collect the following data:

  • Physical contact information
  • Online contact information
  • Preference data
  • Government-issued identifiers
  • Financial information
  • Unique identifiers

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • User analysis. The user must opt-in to this usage.
  • User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

We collect this information in order to service the requests of our visitors.

Group "Contact Information"

We collect the following information:

  • HTTP cookies

At the user's option, we may also collect the following data:

  • Online contact information
  • Preference data
  • Physical contact information

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • Web site and system administration. The user must opt-in to this usage.
  • User analysis. The user must opt-in to this usage.
  • User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Uniquely Identify User Accounts for our Visitors

Cookies

Cookies are a technology which can be used to provide you with tailored information from a Web site. A cookie is an element of data that a Web site can send to your browser, which may then store it on your system. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.

Our site makes use of cookies. Cookies are used for the following purposes:

  • Site administration
  • Completing the user's current activity
  • User analysis
  • Individual-based decision-making

Compact Policy Summary

The compact policy which corresponds to this policy is:

    CP="ALL DSP COR CURa ADMa IVAi IVDi OUR LEG BUS PHY ONL UNI FIN COM NAV STA PRE GOV"

The following table explains the meaning of each field in the compact policy.

Field Meaning
CP= This is the compact policy header; it indicates that what follows is a P3P compact policy.
ALL Access to all collected information is available.
DSP The policy contains at least one dispute-resolution mechanism.
COR Violations of this policy will be corrected.
CURa The data is used for completion of the current activity.
ADMa The data is used for site administration.
IVAi The data is used for analysis, including knowledge of the visitor's identity, if the user selects it.
IVDi The data is used for decision-making, including knowledge of the visitor's identity, if the user selects it.
OUR The data is given to ourselves and our agents.
LEG Legal requirements specify how long the data will be kept.
BUS Our business practices specify how long the data will be kept.
PHY Physical contact information is collected.
ONL Online contact information is collected.
UNI Unique identifiers are collected.
FIN Financial information is collected.
COM Computer information is collected.
NAV Navigation and clickstream data is collected.
STA State-management data is collected
PRE Preference information is collected.
GOV Government-issued identifiers are collected.

The compact policy is sent by the Web server along with the cookies it describes. For more information, see the P3P deployment guide at http://www.w3.org/TR/p3pdeployment.

Changes to this Privacy Policy

This policy is subject to change. If we make changes to the P3P Privacy Policy, we will revise the last modified date. Please review periodically.