PRIVACY POLICIES
Information Collected
Best Mortgage Offers.com collects some general information including your name, email address, and answers to specific questions asked on the application, before transferring you to the third party company. We do not collect personal financial information, such as social security number or bank information, and that information is not shared with us from our third party partner. We DO NOT sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating Lenders, real estate professionals or other parties involved in your transaction, or as may be required by law or court order.
For system-administration purposes we automatically track the following:
1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
2. Information provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal or demographic information;
3. Information, user specific or aggregate, on what pages our visitors access and
4. The e-mail addresses of visitors that communicate with Best Mortgage Offers.com via e-mail.
We catalog traffic patterns through this site. However, we do not link this information to your personal information.
Use of Data Collected
We use the information you provide on your request to match you with participating Lenders, real estate professionals or authorized agents. Lenders may use information you submit about yourself on this site to process your loan application, to evaluate your eligibility and to process your loan transaction. These lenders may have their own privacy policies on how they handle your personal information. Lenders are subject to federal and state laws and regulations that regulate their lending practices. Best Mortgage Offers.com may also share certain aggregated data with our Lenders and other third parties relevant to your transaction for general marketing and demographic purposes; however, this data DOES NOT include any of your personal identifying information. We use your personal, demographic and profile data for web site enhancements, to enable us to provide content of interest to you, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.
Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used for the following purposes:
1. Considering you for an account with a third party company,
2. Sharing of your information with trusted third parties such as credit bureaus and or other financial services providers,
3. As required by law and
4. For marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
If we hire outside firms or agencies to help us with any part of our business or to perform data-processing, we require them to maintain confidentiality of your information, to support these Privacy Policies and to comply with applicable law.
Opt-Out Rights
You may opt-out of receiving communications from us and or our partners by not submitting your information. We also allow you to remove your information from our database. If you remove your information from our database it will no longer be used by Best Mortgage Offers.com for secondary purposes. You can remove your information with Best Mortgage Offers.com by sending your request in writing via email to (PUT EMAIL ADDRESS HERE)
If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change. In that case, your ability to opt out of the new policy will be determined by applicable laws and we will include that information in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you.
Your Personal Data Rights
Upon request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address we have on file for you. You may modify, correct, change, or update your personal record or remove your personal record from our database by going to this URL or by sending your request in writing via email to: (privacy@OURADDRESS)
No Data Intentionally Collected From Children
The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Best Mortgage Offers.com.
Our Right To Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Our Right To Change
We reserve the right to change this policy at any time by notifying you and providing the location of the new or revised privacy policy or by posting the changes online at our site.
Our contact information
If you have any questions about this privacy statement, the practices of this site, or your dealings with Best Mortgage Offers.com, you can contact us via email sent to: privacy.
Anti Spam Policy (Can-Spam Act Compliance)
Best Mortgage Offers.com is dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive email from Best Mortgage Offers.com in the following circumstances:
• Acknowledging your application has been received and requesting additional action
• Requests for additional information to support your current application
• Thanking you for your valued business
• Advertisements for our products, services, changes in services, new product availability
• Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers.
Our third party partner may email you for a variety of reasons. You should read our partners privacy policy to determine how your information will be used by our partner.
To ensure compliance with the Can-Spam Act, Best Mortgage Offers.com has implemented the following guidelines for email delivery:
1. All emails sent to you by Best Mortgage Offers.com will clearly identify Best Mortgage Offers.com as the sender.
FROM / SENDER: Best Mortgage Offers.com
2. The Subject Line of any email you receive will always accurately describe the subject matter of the email.
3. Any email from Best Mortgage Offers.com will include the ability to unsubscribe from future email messages.
4. Unsubscribing will ensure the customer is removed from ALL lists at Best Mortgage Offers.com; this excludes customer service emails regarding the processing and status of a current loan application.
5. Advertising emails from Best Mortgage Offers.com will include information that the email is an advertisement, either in the body or footer of the email.
6. All emails sent to you directly by Best Mortgage Offers.com include valid postal address information in the footer. The address for Best Mortgage Offers.com is:Best Mortgage Offers.com
7. All third party marketing partners are required to comply with the Can-Spam Act.
8. Emails sent to you directly by Best Mortgage Offers.com will include an email address and physical address where you can send suggestions, complaints or other correspondence.
Third Party Can-Spam Compliance
In addition to the compliance issues described in the section above, Best Mortgage Offers.com requires third party marketers to comply with additional email marketing requirements.
1. Best Mortgage Offers.com makes every effort to ensure that all third party vendors comply with the requirements of the CAN-SPAM Act. This includes contractual agreements to comply, approval of third party ads by Best Mortgage Offers.com prior to delivery, spot checks on third party emails and other efforts deemed reasonable by Best Mortgage Offers.com in order to ensure ongoing compliance.
2. Third party email may only be delivered to individuals who have provided the third party marketer with direct or indirect permission to email offers.
3. In the event of a complaint regarding a third party marketer, within 72 hours that marketing partner will provide the complainant with:
• The website at which the complainant signed up
• A link to the privacy policy of the sign-up site evidencing a privacy policy which clearly indicates the complainant has given permission to receive email offers
• The date the complainant signed up or opted in (and the time if available)
• The I.P. address from which the complainant signed up.