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Privacy Policy

Making Mortgages Simple

We respect the privacy of our clients and we are committed to keeping your personal information accurate, confidential, secure, and private. We has adopted the following Privacy Policy to ensure that we continue to meet our commitment to your privacy.

The following sections read as a whole, comprise our Privacy Policy:

  1. Introduction
  2. The Ten Principles of Privacy
  3. Application of the Ten Principles
      1. The Kind of Information We Collect
      2. How We Use Your Information
      3. Website Security
      4. Accessing and Amending Your Information
      5. Opting Out
      6. Anonymous Information and "Cookies"
  4. Questions, Concerns, and Complaints about the Privacy Policy

Introduction

In the course of providing our services, we may collect certain personal information about its clients with their consent. "Personal Information" means information about an identifiable individual. This may include, without limitation, the individual's name, home address, age, income, credit history or other financial information, credit card information, personal preferences, and other information about his or her family. Personal Information does not include the name, title, business address, or telephone number of an employee of an organization.

In the course of providing services to customers we routinely share this information with others such as credit reporting agencies, financial institutions, and other suppliers who are directly involved in the process

This Privacy Policy describes the ten principles that we follow to ensure that we protect your Personal Information when we collect, use or disclose it in the course of carrying on commercial activities. All of our employees who have access to Personal Information must adhere to our Privacy Policy and related procedures.

The Ten Principles of Privacy

The following ten principles govern our actions as they relate to the use of Personal Information:

Principle 1 - Accountability
Principle 2 - Identifying Purposes
Principle 3 - Consent
Principle 4 - Limiting Collection
Principle 5 - Limiting Use, Disclosure, and Retention
Principle 6 - Accuracy
Principle 7 - Safeguarding Personal Information
Principle 8 - Openness
Principle 9 - Access
Principle 10 - Addressing Complaints

Principle 1 - Accountability

We are accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.

Principle 2 - Identifying Purposes

We will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined with the body of any application or contract for services you may execute when dealing with us.

Principle 3 - Consent

We will obtain your consent before or when it collects, uses, or discloses your Personal Information.

Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). We may collect, use, or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use, or disclosure is permitted or required by law.

Principle 4 - Limiting Collection

The information collected by us will be limited to those details necessary for the purposes it has identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.

Principle 5 - Limiting Use, Disclosure, and Retention

Personal Information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected.

In certain exceptional circumstances, we may have a legal duty or right to disclose Personal Information without your knowledge or consent with respect to matters that concern the company's or the public's interest.

Principle 6 - Accuracy

We will keep Personal Information as accurate, complete, and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.

Principle 7 - Safeguarding Personal Information

Personal Information is safeguarded using measures appropriate to the sensitivity of the information and in keeping with generally accepted industry standards.

Principle 8 - Openness

We will make information available to its clients and employees about the policies and procedures we use to manage personal information. You have access to this information through our Website, or through alternate means if requested.

Principle 9 - Access

Upon written request, you will be informed of the existence, use, and disclosure of your Personal Information, and will be given access to it. We will respond to such requests as efficiently as possible. If we are prohibited from providing such access they will explain the reasons for the lack of access, except where prohibited by law.

Principle 10 - Addressing Complaints and Suggestions

You may challenge compliance with this Privacy Policy. We have policies and procedures to receive, investigate, and respond to complaints and questions regarding this Privacy Policy and our collection, use, and disclosure of Personal Information. You may contact our Privacy Officer to express any concerns or to request access to your Personal Information. The contact information for this individual is provided at the end of this document.

Application of the Ten Privacy Principles - How we treat your personal information:

The Kind of Information We Collect

We gather and use Personal Information in order to provide you with the products and services you have requested, namely: information that is required to effectively provide products and services. &Nbsp;We may also use your Personal Information to update you about our services and to offer you additional products or services that you may be interested in, so that we may continue to serve your needs.

If you visit our Website(s), we do not collect personally identifiable information about you unless you provide it. All information that you do provide us with is kept strictly confidential. This Privacy Policy does not apply to aggregated data from which it is not possible to determine the identity of a specific individual. We reserve the right to use aggregated data in any way that it determines appropriate.

How We Use Your Information

We use Personal Information for three general purposes:

1. To communicate with you in order to provide you with our products and services.
2. For inclusion in documentation relating to your particular financial transaction.
3. Transactional information to monitor our level of service and report back to you to ensure your satisfaction with the provision of such services.

We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first.

When we are Permitted to Disclose Your Information

We are obliged to keep your Personal Information confidential except under the following circumstances:

1. When Authorized by You
2. When Required by Law
3. When Permitted by Law

When Authorized by You

Many of the services we offer require us to obtain Personal Information about you in order to perform the services you have engaged us to provide. We will always obtain consent from you first, and we will never use the information for purposes other than those we have told you about.

You may withdraw your consent at any time, subject to any legal implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested.

When Required by Law

The type of information we are legally required to disclose usually relates to government tax reporting requirements. However, in some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.

When Permitted by Law

The legislation has provided certain situations where we are legally permitted to disclose Personal Information without your consent. Examples include situations involving the collection of debt in arrears, medical emergencies, or suspicion of illegal activities.

Website Security

In order to serve you better, we offer client access to certain information through this Web site. This website contains links to other websites, including those of its licensees and business partners. We are in no way responsible and cannot guarantee the content or privacy of other sites linked from this website.

Accessing and Amending Your Information

As a client you have the right to access the Personal Information we keep in your file and you have the right to verify or amend the information if it is shown to be inaccurate. If you would like to view the Personal Information held in your file, please make a written request to the Privacy Officer at the address listed below. We will respond to your request as efficiently as possible. To make a change, please make a similar request in writing to the Privacy Officer.

Opting Out

In order to provide you with our services and products, we will, with your consent, contact you to provide you with information on our products and services and may share your personal information with other affiliates. Should you not want to receive promotional materials from or have your Personal Information shared with these companies please contact the Privacy Officer at the address, phone number, or email address provided at the end of this document.

Anonymous Information and "Cookies"

We may collect anonymous information about you. This means that the information collected cannot be traced back to a specific person. For example, our Web servers may record certain information automatically when you visit our websites. This information is collected using "cookies" and might include the pages you visited, your IP (Internet Protocol) address, and other site usage statistics. This anonymous information is used for research and analytical purposes only (like evaluating how many visitors our website receives or which pages they visit most often). It does not reveal any Personal Information about you, the user. This aggregate data may be disclosed to third parties, but never with personally-identifying information.

"Cookies"

"Cookies" are small text files that contain a unique identification number that allows our computers to identify your Web browser (but not you) each time you visit one of our Web sites that use cookies. The information helps us improve the functionality of the site and enhance the navigation and security of your session. Most major Web sites use this technology and most browsers are set up to accept them.

You may configure your browser to notify you when you receive a cookie, and you may refuse to accept them entirely. However, if you refuse to accept cookies, you may limit the functionality that we can provide to you when you visit our site.

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 settings. Since the browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.It won't affect the user's experience that makes your site experience more efficient and may not function properly

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, phone number, credit card information or other details to help you with your experience.

When do we collect information?

We collect information from you when you place an order 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:
- To quickly process your transactions.

How do we protect your information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

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.

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information

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

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/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in the future.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:

Users can visit our site anonymously.

Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.

Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.

You will be notified of any Privacy Policy changes:

- On our Privacy Policy Page

Can change your personal information:

- By logging in to your account

How does our site handle Do Not Track signals?

We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?

It's also important to note that we do not allow third-party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' 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 the age of 13 years old.

Do we let third-parties, including ad networks or plug-ins, collect PII from children under 13?

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 you via email

- Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

We will notify the users via in-site notification

- Within 7 business days

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:

- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:

- Allow users to unsubscribe by using the link at the bottom of each email.

Questions, Concerns, and Complaints

If you have any questions, concerns, or complaints about your Personal Information, or about our Privacy Policy, please contact us immediately.

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