MortgageLoans101.com, all its related websites (“MortgageLoans101.com”) Privacy Policy last updated September 19th, 2024.
PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. MORTGAGELOANS101 DOES NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEBSITE. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION TO MORTGAGELOANS101 OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEBSITES REFERRED TO IN THIS PRIVACY POLICY.
The information collection, use, and dissemination practices of MortgageLoans101.
This policy applies to Mortgage Loans 101\’s collection, use, storage and disclosure of information by MortgageLoans101 on its (a) websites, including all its
divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various third party websites, and (c) to MortgageLoans101’s other information collection, including the purchase of customer lists from third parties. MortgageLoans101 is not responsible for the information collection or privacy practices of third websites or applications.
1. Collection of Information.
1.1 Survey Information. MortgageLoans101 collects information from
individuals by various methods, including, but not limited to, when an
individual voluntarily completes a MortgageLoans101 survey, order form, or a
registration page either online or offline, or by means of online or offline
surveys, order forms, or registration pages operated by third parties
(collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Websites, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, MortgageLoans101 or a third party (a “Third Party”) may ask an individual to provide various information to MortgageLoans101, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey
Information”). MortgageLoans101 may also collect information concerning
an individual from another source and uses that information in combination with
information provided from this website. Completing the Surveys is completely
voluntary, and individuals are under no obligation to provide Survey Information to MortgageLoans101 or Third Party, but an individual may receive incentives from MortgageLoans101 or a Third Party in exchange for providing Survey Information to MortgageLoans101.
1.2 Third Party List Information. MortgageLoans101 collects information from
individuals when an individual provides information to a third party and MortgageLoans101 subsequently purchases, licenses, or otherwise acquires the information from the third party (the “Seller”). Such purchased
information may include, but is not limited to, an individual’s name, email
address, street address, zip code, telephone numbers (including cell phone
numbers and carriers), birth date, gender, salary range, education and marital
status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller
(together, “Third Party List Information”). When acquiring Third Party List Information, MortgageLoans101 seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to MortgageLoans101 and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller’s list.
1.3 Other Information. Other occasions when Mortgage Loans 101 obtains
information from individuals include (1) when an individual is making a claim
for a prize or seeking to redeem an incentive offered by MortgageLoans101 or
by a third party, (2) when an individual requests assistance through Mortgage
Loans 101’s customer service department, and (3) when an individual voluntarily subscribes to a MortgageLoans101 service or newsletter (together, “Other Information”).
1.4 Cookies, Web Beacons, and Other Info Collected Using Technology. MortgageLoans101 currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Mortgage Loans 101 may use other new and evolving sources of information in the future (together, “Technology Information”). (a) Cookies. A cookie is a small amount of data stored on the hard drive of the individual’s computer that allows MortgageLoans101 to identify the individual with his or her corresponding data that resides MortgageLoans101‘s database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept
cookies in order to use all of the features and functionality of the Websites.
(b) Web Beacons. A web beacon is programming code that can be used to display an image on a web page, but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows MortgageLoans101 to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, MortgageLoans101 might place, with the consent of a third party website, a web beacon on the third party’s website where fishing products are sold. When Joe, an individual listed in MortgageLoans101‘s database, visits the fishing website, MortgageLoans101 receives notice by means of the web beacon that Joe visited the fishing site, and MortgageLoans101 would then update Joe’s profile with the information that Joe is interested in fishing. MortgageLoans101 may thereafter present offers of fishing related products and services to Joe. In addition to using web beacons on web pages, MortgageLoans101 also uses web beacons in email messages sent to individuals listed in MortgageLoans101‘s database. (c) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is MortgageLoans101‘s use of new and evolving technology. As a result, MortgageLoans101 strongly encourages individuals to
revisit this policy for any updates regarding its use of technology.
1.5 Outside Information. Mortgage Loans 101 may receive information about
individuals from third parties or from other sources of information outside of MortgageLoans101 including information located in public databases (“Outside
Information”).
1.6 Individual
Information. As used herein, Individual Information means Survey Information,
Third Party List Information, Other Information, Technology Information, and
Outside Information, and any other information MortgageLoans101 gathers or
receives about individuals.
1.7 No Information
Collected from Children. MortgageLoans101 will never knowingly collect any
personal information about children under the age of 13. If MortgageLoans101
obtains actual knowledge that it has collected personal information about a
child under the age of 13, that information will be immediately deleted from
our database. Because it does not collect such information, MortgageLoans101
has no such information to use or to disclose to third parties. MortgageLoans101 has designed this policy in order to comply with the Children’s Online
Privacy Protection Act (“COPPA”).
1.8 Credit Card
Information. MortgageLoans101 may in certain cases collect credit card
numbers and related information, such as the expiration date of the card
(“Credit Card Information”) when an individual places an order from MortgageLoans101. When the Credit Card Information is submitted to, such information is encrypted and is protected with SSL encryption software. MortgageLoans101 will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to third parties only as necessary to complete the purchase transaction.
2. Use of Individual Information.
2.1 Discretion to Use Information. THE COMPANY MAY USE INDIVIDUAL INFORMATIONFOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY\’S SOLE DISCRETION. The following paragraphs in Section 2 describe how MortgageLoans101 currently uses Individual Information, but MortgageLoans101 may change or broaden its use at any time. As noted below, MortgageLoans101 may update this policy from time to time. MortgageLoans101 may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
2.2 Email. MortgageLoans101 uses Individual Information to provide promotional offers by email to individuals. MortgageLoans101 may maintain
separate email lists for different purposes. If email recipients wish to end
their email subscription from a particular list, they need to follow the
instructions at the end of each email message to unsubscribe from the
particular list. To unsubscribe from all MortgageLoans101‘s email lists, a
person must send an email to unsubscribe@MortgageLoans101.com. This email address is being protected from spam bots, you need JavaScript enabled to view it.
2.2(a) Content of Email Messages. In certain commercial email messages sent
by MortgageLoans101, an advertiser’s name will appear in the “From:” line but hitting the “Reply” button will cause a reply email to be sent to MortgageLoans101. The “Subject:” line of MortgageLoans101‘s email messages will usually contain a line provided from the advertiser to MortgageLoans101.
2.2(b) Solicited Email. MortgageLoans101 only sends email to individuals who have agreed on the Websites to receive email from MortgageLoans101 or to individuals who have agreed on third party websites to receive email from third parties such as MortgageLoans101. MortgageLoans101 does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to MortgageLoans101‘s email messages.
2.3 Targeted Advertising. MortgageLoans101 uses Individual Information to
target advertising to an individual. When an individual is using the Internet, MortgageLoans101 uses Technology Information (see also Section 2.5 below) to associate an individual with that person’s Individual Information, and MortgageLoans101 attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. MortgageLoans101 may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
2.4 Direct Mail and Telemarketing. MortgageLoans101 uses Individual
Information to advertise, directly or indirectly, to individuals using direct
mail marketing or telemarketing using telephones and cell phones.
2.5 Use of Technology Information. MortgageLoans101 uses Technology
Information (1) to match a person’s Survey Information and Third Party List
Information to other categories of Individual Information to make and improve
profiles of individuals, (2) to track a person’s online browsing habits on the
Internet, (3) to determine which areas of MMortgageLoans101‘s websites are most frequently visited. This information helps MortgageLoans101 to better
understand the online habits of individuals so that MortgageLoans101 can
target advertising and promotions to them.
2.6 Profiles of Individuals. MortgageLoans101 uses Individual Information to
make a profile of an individual. A profile can be created by combining Survey
Information and Third Party List Information with other sources of Individual
Information such as information obtained from public databases.
2.7 Storage of Individual Information. MortgageLoans101 stores the Individual
Information in a database on MortgageLoans101 computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under MortgageLoans101‘s control. Notwithstanding such measures, MortgageLoans101 cannot guarantee that its security measures will prevent MortgageLoans101 computers from being illegally accessed, and the Individual Information on them stolen or altered.
3. Dissemination of Individual Information.
3.1 Sale or Transfer to Third Parties. MORTGAGELOANS101 MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN MORTGAGELOANS101’S SOLE DISCRETION.
3.2 Order Fulfillment. MortgageLoans101 will transfer Individual Information
to third parties when necessary to provide a product or service that a person
orders from such third party while using MortgageLoans101 websites or when responding to offers provided by MortgageLoans101.
3.3 Legal Process. MortgageLoans101 may disclose Individual Information to
respond to subpoenas, court orders, and other legal processes.
3.4 Summary Data. MortgageLoans101 may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
3.5 Access. Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by submitting your request here. MortgageLoans101 may also grant advertising clients and email services providers access to an individual’s email address to verify the origin of the Individual Information collected.
4. California Residents.
The California Consumer Privacy Act (CCPA) provides California residents with the additional rights listed below.
4.1 Right to Know. You have the right to know what personal information we have collected about you over the past 12 months, including:
- The categories of your personal information collected by us;
- The categories of sources from which the personal information is collected;
- The purpose (business or commercial) for collecting your personal information;
- The categories of third parties with whom we have shared your personal information in the last 12 months; and
- The specific components of your personal information we have collected.
4.2 Right to Delete. Subject to the following exceptions, you have the right to request us to delete the personal information we have collected from or about you.
There are a number of exceptions, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:
- Complete your transaction(s);
- Provide you with goods or services;
- Perform obligations under a contract between us and you;
- Protect your security and prosecute those responsible for breaching it;
- Fix our system in the case of a bug;
- Protect the free speech rights of you or other users;
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interests that adheres to all other applicable ethics and privacy laws;
- Comply with a legal obligation; or
- Make other internal and lawful uses of the information that are compatible with the context in which you provided it.
4.3 Do Not Sell My Personal Information. You have the right to request that we do not sell your personal information. Please note that we do not knowingly sell the
personal information of minors under 16 years of age without legally required
affirmative authorization.
4.4 Exercising Your California Privacy Rights. You can exercise your rights
directly or choose to appoint an authorized agent to represent you and to
communicate with us. Please note that you can only exercise your rights twice
in a twelve-month period. To request access to or deletion of your personal
information, or to exercise any other data rights under California law, please
contact us using the following method:
To exercise your rights, please submit your request here, and include details such as your full name, email address, residential address, and phone number, along with your reason for writing, to enable us to process your request in an
efficient manner.
Please note that in certain circumstances, we may request for additional information to verify your identity and any information shared by you for verification purposes shall only be used for the said purpose and not be shared with any third party.
4.5 Response Timing. We try to respond to a consumer request(s) for access or deletion of information within 45 days of receiving it. If we require more time, we will inform you of the reason and extension period in writing. In any case, the total period required to respond to your request shall not exceed 90 days from the date of receiving the request.
Shine the Light: As per the provisions of Section 1798.83(a) of California Civil Code, if a California resident’s personal information is shared by us with third parties for direct marketing, they can request us to disclose the names and addresses of third parties with whom such personal information was shared and the categories of personal information revealed to such third parties during the immediately preceding calendar year.
You can exercise this right only once in a calendar year. To exercise your right, please submit your request here. We will do our best to address your request within 30 business days of receiving it.
5. Privacy Practices of Third Parties.
5.1 Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies (together, “Advertisers”) who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. MortgageLoans101 does not control Advertisers\’ use of such technology and MortgageLoans101 has no responsibility for the use of such technology to gather information about individuals.
5.2 Links. The websites and email messages sometimes contain hypertext links to the websites of third parties. MortgageLoans101 is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. MortgageLoans101 does not operate or control in any respect any information, software, products or services available on such third party websites. The inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
5.3 Affiliated Companies. MortgageLoans101 may disclose, transfer, and sell
Individual Information to entities affiliated with MortgageLoans101 in MortgageLoans101‘s discretion
6. Unsubscribe Procedures.
If you wish to discontinue receiving email messages from MortgageLoans101, please unsubscribe here.
For more information about protecting your privacy, you may wish to visit: www.ftc.gov. If you have questions about this policy, please submit your request here.