Privacy Policy
Introduction: We take your right to privacy seriously and want you to feel comfortable using our web site. This Privacy Policy deals with personally identifiable information (referred to as "Data" below) that may be collected by us on our site. This Policy does not apply to other entities that we do not own or control or persons that are not our employees, agents or within our control. Please take time to read our Terms of Use. This Privacy Policy is effective October 1, 2007.
1. Collection of Data.
Our process requires us to collect a significant amount of personally identifiable information about you in order that we may appropriately serve you. We collect such personally identifiable information as your name, street address, e-mail address, telephone number, or social security number. Required fields are indicated. Providing us with other information is at your option. Like many web sites, we may also automatically receive general information that is contained in our server log files such as your IP address and cookie information.
2. Use of Data.
We may use Data to customize and improve your user experience on this site. We will make efforts so that your Data will not be provided to third parties unless (i) provided for otherwise in this Privacy Policy; (ii) we obtain your consent, such as when you choose to opt-in or opt-out to the sharing of Data; (iii) a service provided on our site requires the interaction with or is provided by a third party, (iv) pursuant to legal process or law enforcement; (v) we find that your use of this site violates this Policy, Terms of Service, other usage guidelines or as deemed reasonably necessary by us to protect our legal rights and/or property; or (vi) this site is purchased by a third party whereby that third party will be able to use the Data in the same manner as we can as set forth in this Policy. In the event you choose to use links that appear on our site to visit other web sites, you are advised to read the privacy policies that appear on those sites.
3. How We Share Information We Collect
We do not disclose any nonpublic personal information about our users, applicants, customers or former customers to anyone, except as permitted or required by law. For example, nonpublic personal information about you may be shared with nonaffiliated third parties as necessary to process, make, or service a loan to you. We may also provide nonpublic personal information about you to our affiliated companies as permitted by law. In the event that our business or substantially all of its assets are acquired, your personal information may be of the transferred assets.
3. Cookies.
Like many web sites, we set and use cookies to enhance your user experience, such as retaining your personal settings. Advertisements may appear on our web site and, if so, may set and access cookies on your computer subject to the privacy policy of those parties providing the advertisement. If advertising is present on our site, the companies serving the advertising do not have access to our cookies. These companies usually use non-personally identifiable or anonymous codes to obtain information about your visits to our site. We may also collect certain non-personally identifiable information (i.e., generic information that does not identify you personally) when you visit any of the pages on this site, such as the type of browser you are using (e.g., Internet Explorer), the type of operating system you are using (e.g. Windows XP or Mac OS), IP addresses (the number assigned to computers on the Internet), the domain name of your Internet service provider, the URL from which you access this site and the URL you first visit after leaving this site. In addition, we, or third-party service providers acting on your behalf, may use Javascript to collect information about your browsing behavior on this site, such as the areas or pages that you visit and the amount of time you spend viewing this site.
4. Children.
We do not allow persons who are ages thirteen or younger to submit information to this site. For more information, please contact our webmaster.
5. Editing or Deleting Your Account Information.
You may request deletion of your e-mail address by contacting our webmaster. Other data that you may have provided to us will continue to remain within our files at our discretion even though your e-mail is deleted. Please see our Terms of Use for more information.
6. Third Party Websites.
This Privacy Policy is only applicable to this site, and not to any other websites that you may be able to access from this site, each of which may have data collection and use practices and policies that differ materially from this Privacy Policy. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.
7. Security Practices.
Access to nonpublic personal information about you is limited to those employees who need to know such information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal laws to guard your nonpublic personal information.
8. Changes to this Privacy Policy.
We may make changes to this Policy from time to time. We will notify you of substantial changes to this Policy either by posting a prominent announcement on our site and/or by sending a message to the e-mail address you have provided to us.
9. Contact Information.
If you have any questions about this Policy or our web site, please feel free to contact our webmaster.
