(Amended as of 10 November, 2010)
Your privacy is very important to us
Who We Are
We are an on-line consumer service that introduces Specialised Lenders, Mortgage Managers and/or Loan Originators of our choice (business affiliates) who have expressed a general willingness to review your information and determine if they are willing to provide you with the services or products that prompted you to visit our Site. When you visit our Site, you will be requested to complete a simple application with information that is deemed necessary for our business affiliates to perform a preliminary analysis of your qualifications to receive the service or products. Based upon your consent, as evidenced by your registering with us on this Site (i.e., your submission of the requested information on the application), we will forward the information that you provided to certain of our business affiliates for determining whether they will offer you the products and services that you are seeking.
In addition, from time to time, we or our business affiliates may e-mail you or otherwise correspond with you to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest. There are no fees for this premium service ("Premium Service"), and you are under no obligation to accept any service or product with any of our business affiliates.
Information We Collect
The information that we collect is generally limited to personal information about you that our business affiliates consider necessary for performing a preliminary evaluation of your qualifications. To the extent that you can order products, enter contests, express an opinion, or subscribe to a service(s), the type of personally identifiable information that may be collected may include: name; address; e-mail address; telephone number; fax number; credit card information; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like. To the extent that you are requested and you do submit information about other people, such information will be limited recipient's name, address, e-mail address, and telephone number.
We also collect user information that can help us optimize and enhance your experience on our Site; as well as provide you with an efficient, safe, smooth, and customised experience. For example, if you came to this Site from an online banner ad, pop-up or other advertisement, an anonymous identification number may be passed to our Site. In some cases, we may place a cookie in your browser. The aforementioned information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns. We also automatically track certain information with respect to your behaviour on the Site through the forgoing cookie or identification number. This non-personally identifiable information may include the Internet address or URL that you just came from and which URL you go to next; your computer browser information; and your IP address. We use this non-personally identifiable information in conjunction with some of the information that you provided to us to do internal research on our users' demographics and behaviour; and to better understand how to best serve other users of this Site.
We also utilize Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including but not limited to the number of visitors to our site, operating systems and browser type. Unlike cookies, Web Logs are maintained only on our servers and do not store or place anything on the user's computer.
How We Use Your Information
We collect the information that you submit and which our business affiliates consider necessary for performing a preliminary evaluation of your qualifications for their products and services. Prior to sending your information to our business affiliates, we attempt to validate it. For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information submitted to verify that the information inputted has a high probability of being valid information.
Once you have registered with us, you are automatically enrolled to receive our Premium Service. We use the information you provided, along with other information described below, to create a general user profile. This profile can be created by combining your information with other sources of information such as information obtained from public databases, or from your browsing habits surrounding your visit to this Site.
WE DO NOT MARKET, USE OR RESELL YOUR FINANCIAL INFORMATION. HOWEVER, WE MAY USE OTHER PERSONALLY IDENTIFIABLE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERRING SUCH INFORMATION AT ANY TIME TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE IN OUR SOLE DISCRETION.
In addition to the forgoing, we may also sell, transfer or share non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons visiting this site.
Finally, while we do not store financial information (i.e., credit card numbers or other information such as drivers licenses on this Site ("Financial Information")), we do retain such information on our servers for a period of 45 days solely for back-up information purposes and to facilitate the processing and completing of purchase transactions with our business affiliates. In such cases, Financial Information will be disclosed to our business affiliates only as necessary to complete a transaction. Thereafter, Financial Information will automatically be deleted from our servers after 45 days, or the approximate time when your contemplated transactions are completed.
How We Protect Your Privacy
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the Office of the Federal Privacy Commissioner. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.
Changes to your Information
If you want to change the information that you submitted, or make other significant changes to your Preliminary Application, please do so by making another request through our Site.
ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your personal information we hold about you. You may request access to any of the personal information we hold about you at any time. To access personal information we hold about you, e-mail your request to: ( tba )