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We recognize
the importance of safeguarding and respecting the privacy
of our clients. As your online mortgage service provider,
we are committed to helping you achieve your home buying
and/or selling goals in a secure, efficient and professional
manner. Accordingly, we have adopted this Online Privacy
Policy Statement to serve as the basis for our online
privacy policies and procedures. It demonstrates our
commitment to providing privacy protection to our clients
and in our online relationships.
The following statement is designed
to assist you in understanding how Lending Channel collects,
uses and safeguards the personal information you provide
to us on our web site and to assist you in making informed
decisions when using our online services.
When you visit our web site, you may
provide us with two types of information; personal information
you knowingly choose to disclose, which is collected
on an individual basis, and web site use information
collected on an aggregate basis as you and others browse
our web site.
If you chose to use our
online mortgage services, you will need to provide us
with certain personal information. More specifically,
if you are a potential home buyer and wish to use our
Lending Channel services to make an offer to purchase
a home, Lending Channel will request personal information
such as the following:
" Name
" E-mail address
" Phone numbers (daytime and home)
" Address
" If you are a buyer, seller, both or neither
" Preference regarding method of contact
" How you heard about Lending Channel
" Best day and time to call you
" Reference number, listing number or street address
of the home you are interested in purchasing
" Offer amount
Additionally, if you are a seller
and wish to engage Lending Channel in the selling process,
we will request personal information such as the following:
" Name
" Property address
" Mailing address (if different from property address)
" E-Mail address
" Day and evening phone number
" Property type (i.e. single family home)
" Lot size of property
" Square footage of the home
" Number of bedrooms and bathrooms in the home
" Whether the home has a family room, dining room,
bonus room, air conditioning, fireplace, an attached
garage, association fees, or mello roos
" Size of garage
" School district where the home is located
" Top fourteen selling features of your home
" Short description of your home
We collect information about how to reach you when you
register to use the Lending Channel services on our
web site. Providing us with your name, e-mail address,
and telephone number allows an Lending Channel representative
to contact you to assist you in your mortgage transaction.
Additionally, the contact information you submit to
Lending Channel allows us to provide you with automatic
updates on listings and to notify you of special promotions.
In addition to providing Lending Channel
with the information we request when registering you
for use of our services, if you choose to correspond
further with us through e-mail, we may retain the content
of your e-mail messages together with your e-mail address
and our responses. Such e-mail information, if retained,
will be used to provide better and more responsive customer
service and will be retained in Lending Channel's internal
records only.
Similar to other commercial web sites,
our web site utilizes a standard technology called "cookies"
(see explanation below, "What Are Cookies?")
and web server logs to collect information about how
our web site is used. Information gathered through cookies
and web server logs may include the date and time of
visits, the web pages viewed, time spent at our web
site, and the web site visited just before and just
after our web site. This information is collected on
an aggregate basis, and assists us to design and arrange
our web pages in the most user-friendly manner and to
continually improve our web site to better meet your
needs. None of this information is associated with you
as an individual.
"Cookies" are a feature of web browser
software that allows web servers to recognize the computer
used to access a web site. Cookies are small pieces
of data that are stored by a user's web browser on the
user's hard drive. Cookies can remember what information
a user accesses on one web page to simplify subsequent
interactions with that web site by the same user or
to use the information to streamline the user's transactions
on related web pages. This makes it easier for a user
to move from web page to web page and to complete commercial
transactions over the Internet. Cookies should make
your online experience easier and more personalized.
Moreover, most browsers allow its users
to block cookies. For example, many browsers allow a
user to specify that they be prompted before a site
puts a cookie on their hard drive so that the user can
choose to allow or disallow the cookie. Additionally,
most users can prevent their browser from ever accepting
any cookies.
We use the personal information that
you provide to us to administer Lending Channel's online
services. Broadly speaking, we use personal information
for the purpose of administering Lending Channel's business
activities, providing you with customer service and
making available other products and services to you,
our clients and prospective clients.
At various points during your online
experience, Lending Channel will seek your approval
before providing certain assistance. For example, you
may be prompted to accept or decline a phone call or
an e-mail from a Lending Channel representative. Additionally,
you may be prompted to approve or disapprove our transmission
to you of automatic updates and notifications of special
promotions. As our client, you will be given the opportunity
to notify us of your desire not to receive these services
by calling toll free 1.866.641.1003 or by sending us
an e-mail request at info@lendingchannel.com.
Lending Channel is your link to numerous
service providers that can assist your real estate transaction.
From time to time you may notice offers from outside
companies associated with real estate transactions,
such as mortgage, title and escrow service providers,
advertised on Lending Channel's web site. In such cases,
if you are interested in the advertised product or service,
you will be given the opportunity to forward your information
to that company.
Lending Channel takes measures
to select product or service providers that are responsible
and afford privacy protections to their customers. However,
Lending Channel cannot make any representations about
the practices and policies of any of its service providers.
Each service provider is governed by its own practices
and policies regarding the maintenance, security and
disclosure of their customers' information.
Whether your mortgage transaction is
successful or not, we may archive all the information
you submit to Lending Channel to maintain accurate,
internal business records and to expedite your future
use of Lending Channel's services. In the event that
you submit information and prefer that we purge personally
identifiable information from our records, at any time
you may call toll free 1.866.641.1003 or send us an
e-mail request at info@lendingchannel.com.
Occasionally, we may also use the information
we collect to notify you about important changes to
our web site, new Lending Channel services and special
offers we believe you will find valuable. As our client,
you will be given the opportunity to notify us of your
desire not to receive these offers by calling toll free
1.866.641.1003 or by sending us an e-mail request at
info@lendingchannel.com.
When you send confidential information
to us on our web site, Secure Socket Layer (SSL) encrypts
membership and credit card data you input before it
is sent to us. The information is scrambled en route
and decoded once it reaches our web site.
Other e-mail that you may send
to us may not be secure unless we advise you that security
measures will be in place prior to your transmitting
the information. For that reason, we ask that you use
your discretion when sending confidential information
such as social security or account numbers to us through
an unsecured e-mail. Such communications may be transmitted
to us by calling toll free 1.866.641.1003.
Lending Channel utilizes security technology, which
we installed and configured to safeguard the confidentiality
of personal information we collect on our web site from
unauthorized access or disclosure and accidental loss,
alteration or destruction.
Periodically,
Lending Channel's operations and business practices
are reviewed for compliance with our policies and procedures
governing the security, confidentiality and quality
of your information.
Lending Channel's
corporate values, ethical standards, policies and practices
underscore our commitment to the protection of our clients'
information. In general, our business practices limit
employee access to confidential information, and limit
the use and disclosure of such information to authorized
persons, processes and transactions.
You may request access to all your
personally identifiable information that we collect
online and maintain in our database by calling toll
free 1.866.641.1003 or by sending an e-mail request
at info@lendingchannel.com.
You may also request that we correct
or modify your personally identifiable information by
calling toll free 1.866.641.1003 or by sending an e-mail
request at info@lendingchannel.com.
After you indicate to us that you want
to utilize a service provider that is associated with
Lending Channel and authorize Lending Channel to submit
personal information required for outside vendor applications,
we will forward the information you provided to us.
Lending Channel does not knowingly
solicit data from nor knowingly market to children.
Our web site is directed to adults. Our standard procedures
are designed to screen out any submissions by children
under the age of 18 so that a child can not utilize
Lending Channel's services using his or her own personal
information.
Parents can use various readily available
software packages to prevent their children from accessing
web sites which they deem to be inappropriate. Parents
can choose to utilize this and other methods to limit
the web sites to which their children have access.
We may disclose information when legally
compelled to do so, in other words, when Lending Channel,
in good faith, believes that the law requires it or
for the protection of its legal rights.
Lending Channel is not responsible
for the information practices and policies employed
by web sites linked to or from our web site. Often links
to non-Lending Channel web sites are provided solely
as pointers to information on topics or services that
may be useful to the users of our web site.
Please remember that when you
use a link to go from our web site to another web site,
Lending Channel's Online Privacy Policy Statement is
no longer in effect. Your browsing and interaction on
any other web site, including web sites which have a
link on our web site, is subject to that web site's
own rules and policies. Please read over those rules
and policies before proceeding.
By using Lending Channel's web site
and in particular by submitting personal information
associated with your mortgage transaction, you consent
to Lending Channel's collection and use of your personal
information as described in this Online Privacy Policy
Statement. If Lending Channel changes its online privacy
policies and procedures, we will post those changes
on our web site to keep you aware of what information
we collect, how we use it and under what circumstances
we may disclose it.
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