Introduction

This document sets out the policies of this Sage Capital Mortgage site regarding the protection of the rights of persons to privacy. Its purpose is to explain to contacts and all others who deal with Sage Capital Mortgage what types of personal information Sage Capital Mortgage collects and how that information is used.

This policy reflects no commitment by, nor is it binding upon any party or parties other than Sage Capital Mortgage.

At times, Sage Capital Mortgage collects certain personal information about people with whom it deals, either in their personal capacities or as representatives of client institutions, suppliers or other businesses. Such people are referred to in this policy as "Sage Capital Mortgage's contacts" or as simply as "contacts".

Sage Capital Mortgage collects identifiable personal data as well as non-identifiable personal information. Items of identifiable personal information, such as names and contact details, are collected and used as a matter of course in Sage Capital Mortgage's daily work. Often a person's identifiable personal information includes the role or roles the person plays on behalf of his or her employer in the employer's business relationship with Sage Capital Mortgage.

Collection of Personal Data

Sage Capital Mortgage collects personal data about contacts. Contacts include those employees of client institutions with whom Sage Capital Mortgage will deal in the normal course of business. This information is collected when institutions first procure services from, or enter into an Agency Agreement with Sage Capital Mortgage, when they instruct Sage Capital Mortgage, as their provider or Agent, to provide services or undertake service procurement or other actions on their behalf. Contacts also include persons within supplier and other organizations with which Sage Capital Mortgage has a business relationship - i.e. persons that suppliers, including self-employed consultants and contractors, or other organizations such as government departments or statutory bodies have appointed to deal with Sage Capital Mortgage.

Sage Capital Mortgage does not collect personal information about end users of client institution's networks.

Use of Personal Data

Sage Capital Mortgage uses personal information to ensure effective business communications with contact persons that represent client institutions, suppliers and other organizations with which Sage Capital Mortgage has dealings.

Confidentiality

Sage Capital Mortgage respects the privacy of the individual and undertakes to protect the confidentiality of personal information about contacts that is supplied in the course of business relationships with Sage Capital Mortgage. Sage Capital Mortgage undertakes to use personal information solely for the purposes described above, and will not otherwise, unless legally obliged to do so, provide personal information to third parties.

Reservation of Rights

Sage Capital Mortgage reserves the right to disclose personal information in its possession where it is required to do so by law or to exercise its legal rights or to defend itself against legal claims.

Sage Capital Mortgage reserves the right to make changes to this privacy policy. Where a major change is made, contacts will be informed by e-mail notification or through a notice on our website. Contacts bear the responsibility to read the changes.