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Privacy Policy
Welcome to the iMortgageCentral™ web site, available at www.imortgagecentral.com
(this "Site"). This Site is owned and operated by Loan Alliance Inc. This statement discloses the privacy practices and notices ("Policy")
for the iMortgageCentral Site and describes how we collect, protect and use information
we receive from visitors to our Site. Loan Alliance Inc. has created this
Privacy Statement in order to demonstrate and inform you of our firm commitment
to privacy.
THE INFORMATION WE COLLECT
There are two kinds of information web sites can obtain about you:
- Anonymous Information:
Anonymous Information is aggregate data that web sites use to administer
their sites. It may include such information as your browser type or your Internet
Protocol (IP) address. Loan Alliance Inc. may from time to time retain
third parties to help us collect and aggregate Site customer information.
IP
Addresses - An IP address is unique string of numbers that is assigned to your
computer by your Internet Service Provider. Web servers automatically identify
your computer by its IP address. We use your IP address to help diagnose problems
with our server, to administer our Site, and may use it to gather broad demographic
information.
Cookie Information - As is the case with many web sites, our Site
uses a technology called "cookies", which are small data files that are downloaded
onto your computer. The use of cookies is standard on the Internet, and allows
us to tailor your visits to our Site to your individual preferences. We may
also contract with third party service providers who assign cookies to conduct
site tracking for us. These companies use cookies solely to provide us with
aggregate data about site traffic. Although most web browsers automatically
accept cookies, you can change your browser to prevent cookies or notify you
whenever you are sent a cookie.
- Personally Identifiable Information: Personally
Identifiable Information is any information that personally identifies you,
such as your name, email address or your telephone number. Sometimes this personal
information is needed when you register to obtain a quote from a lender through
iMortgageCentral, subscribe to our email newsletter, or when you contact us.
We may ask you to provide us with personal information on a voluntary basis
in certain areas of our Site. In particular, you may be asked to provide the
following information:
Registration/Qualification Forms - When you complete a
qualification form on the Site, you will need to provide personal and financial
information such as your name, phone number, Social Security Number, e-mail
address, income and other financial information depending upon your expressed
loan or real estate referral preference. This information is then forwarded
to lenders and/or real estate professionals who have signed up to receive your
information. Your information is released to lenders and brokers only after
you click on the "Submit" button. These lenders may contact you directly via
phone, e-mail or other communications. All of these lenders and real estate
agents operate under federal and/or state laws. Because Loan Alliance Inc. has no contact with such independent lenders before or after your information
has been forwarded to them, we recommend that you contact them directly for
more information about their specific privacy policies.
Email Correspondence -
Scattered throughout the Site are links or forms that can be used to contact
Loan Alliance Inc. so you can comment, make a complaint, make suggestions,
and ask questions. Your email address is required on this form so we can answer
your questions, and we want your name, too, so we can address our answer in
a mannerly way. Loan Alliance Inc. may put information from email on file,
but does not currently share, sell, license or transmit this information with
third parties without express authorization from you.
HOW WE USE GATHERED INFORMATION
The information you share with us may be used in a few ways:
- Anonymous Information: Anonymous Information is used internally
for Site administration, troubleshooting and to help improve the quality of
the web pages. We may share such aggregated, non-personally identifiable information,
such as demographics, with existing and prospective business partners and
advertisers. We never connect aggregate information with Personally Identifiable
Information, and none of the aggregate information we share will contain any
information that identifies you individually.
- Personally Identifiable Information: Personally Identifiable information
collected by Loan Alliance Inc. may be used for purposes including administration
of the Site, lead processing and communications with you. From time to time,
our advertising and promotional partners may desire to use your registration
and other information to call your attention to offers they believe might
interest you. If you prefer not to receive direct communications sent by our
advertisers or promotional partners, you will be given an opportunity to decline
before you provide us any information we might use for this purpose. In all
cases, however, we will use your information only as permitted by law. We
may also disclose Personally Identifiable Information if we are required to
do so by law or we in good faith believe that such action is necessary to
(a) comply with the law or with legal process; (b) protect and defend our
rights and property; (c) protect against misuse or unauthorized use of the
Site; or (d) protect the personal safety or property of our users or the public.
Please note that we may not provide you with notice prior to disclosure in
such cases.
OPT-OUT
Although most iMortgageCentral users indicate that they welcome details of offers
and other promotional material about iMortgageCentral, as well as products and
services provided by our business partners and advertisers, we support the right
of our visitors to choose. You will be given the right to opt-out of receiving
such information whenever you are asked to provide Personally Identifiable Information
on this Site. If you do not opt-out at that time, but later decide that you
do not wish to receive future communications of this nature you can contact
us at webmaster@imortgagecentral.com or at the address provided below, indicating
that you no longer want to receive (a) information relating to the iMortgageCentral
Site; or (b) information relating to products and services provided by our business
partners and affiliates
ACCESS AND CORRECTION
You have a right to know about the personal information that Loan Alliance Inc.
Inc. holds about you, including the right to correct, amend or delete the information
that Loan Alliance Inc. has on file if it is incorrect. If you wish to
exercise these rights please contact us by email or postal mail at the addresses
below.
SECURITY
This Site incorporates appropriate safeguards to protect the security, integrity,
completeness, accuracy and privacy of the personal information we have collected.
We have put in place reasonable precautions to protect information from loss,
misuse and alteration, including Secure Socket Layer (SSL) technology and database
encryption. While on a secure page, the lock icon on the bottom of web browsers
such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as
opposed to unlocked, or open, when you are just "surfing". To learn more about
SSL, follow this link: http//:www.verisign.com. While we use SSL encryption
to protect sensitive information online, we also do everything in our power
to protect user information off-line. Our security and privacy policies are
periodically reviewed and enhanced as required and only authorized individuals
have access to the information you provide. Security of information communicated
by or to us over the Internet is of utmost concern to us; however, no data transmission
over the Internet can be guaranteed to be 100% secure. Please note that your
email, like most, if not all, non-encrypted Internet communications, may be
accessed and viewed by other Internet users, without your knowledge and permission,
while in transit to us. For that reason, to protect your privacy, please do
not use email to communicate information to us that you consider confidential.
While we strive to protect your personal information, Loan Alliance Inc.
cannot ensure or warrant the security of any information you transmit to us
or through our Site, and you do so at your own risk. Once we receive your transmission,
we will use reasonable efforts to ensure its security on our internal systems.
Depending on the nature of the inquiry, your communication may be discarded
or archived. If you wish, you may contact us instead via telephone at the numbers
provided throughout our Site.
DISCLOSURE OF CUSTOMER INFORMATION THROUGH BUSINESS TRANSFERS
As we continue to develop our business, we may buy, merge or partner with other
companies or businesses, and in so doing, acquire customer information. In such
transactions, user information may be among the transferred assets. Similarly,
in the unlikely event that a portion or substantially all of Loan Alliance Inc.'s
assets are sold or transferred to a third party, customer information (including
your email address) would likely be one of the transferred business assets.
OUR COMMITMENT TO CHILDREN'S PRIVACY
Protecting the privacy of children is very important to us. The Children's Online
Privacy and Protection Act of 1998 ("COPPA") defines a "Child" as anyone under
the age of 13. Loan Alliance Inc. strictly adheres to COPPA. For that
reason, we do not collect or maintain information obtained through our Site
from those we actually know are under 13, and no part of our Site is structured
to attract anyone under 13.
EXTERNAL LINKS
This Site provides links and/or ad banners to various web sites or sponsors
that we do not control for your convenience. When you click on one of these
links, you will be transferred out of our Site and connected to the web site
of the organization or company that you selected. We are not responsible for
the nature, quality or accuracy of the content or opinions expressed in such
web sites, and such web sites are not investigated, monitored or checked for
quality, accuracy or completeness by us. Inclusion of any linked web site on
the iMortgageCentral Site does not imply or express an approval or endorsement
of the linked web site by us, or of any of the content, opinions, products or
services provided on these web sites. Even if an affiliation exists between
our Site and a third-party web site, we exercise no control over linked sites.
Each of these linked sites maintains its own independent privacy and data collection
policies and procedures. While Loan Alliance Inc. expects its partners,
advertisers and affiliates to respect the privacy of our users, Loan Alliance Inc. cannot be responsible for the actions of third parties. If you visit
a web site that is linked to our Site, we encourage you to consult that web
site's privacy policy before providing any personal information and whenever
interacting with any web site.
CONSENT AND MODIFICATIONS TO PRIVACY STATEMENT
This Site is controlled, operated and administered entirely within the United
States. By using this Site, you signify your agreement to the terms of this
Policy. If you do not agree with this Policy, please do not disclose any personal
information through this Site. This Policy and the use of this Site are governed
by Tennessee law. Any claim related to the Site or this policy shall be brought
in a federal or state court in Davidson County, Nashville, Tennessee, within
one year after the claim arises. Users of the Site consent to the jurisdiction
and venue of such courts as the most convenient and appropriate for the resolution
of disputes concerning this Policy. This Policy and the notices outlined herein
are not intended to and do not create any contractual or other legal rights
in or on behalf of any third party.
MODIFICATIONS TO PRIVACY POLICY
Loan Alliance Inc. may modify this Policy at any time, at its discretion,
and modifications are effective upon being posted on this Site. You are responsible
for reviewing this Policy periodically to ensure that you are aware of any changes
to it.
ACCOUNT REVISIONS, REVOKING AND DELETING PERSONAL INFORMATION
We welcome your questions, comments and all feedback pertaining to your privacy
or any other issue with regard to the iMortgageCentral Site.
At any time, you may revoke your consent, cease further use of your email address
to send you updates, and direct us to delete the information you have supplied.
Although it is not always possible to remove or modify information in the databases,
we will make reasonable efforts to do so. If you have given us information for
one of those third parties we mentioned above and we have already passed it
on, we cannot delete or change the information.
Special Notification for California Residents
Individual customers who reside in California and have provided their personal information to "IMC" may request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must be submitted to us at one of the following addresses: CA_Privacy@imortgagecentral.com. Within thirty days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.
In the event that you have given us Personally Identifiable Information in
the past and then have second thoughts or want to update it, you may send an
email or contact us by phone:
Last Updated: January 1 2005.
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