Last updated: July 26, 2016
Information Collection and Use
You can generally visit our Site without revealing any personally identifiable information about yourself. However, in certain sections of this Site and when you use our Services, we may invite you to contact us with questions or comments, request quotes or information, post content and other materials, participate in a user forum or blog, or complete a registration form. Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, email address, phone number), gender, social security number, driver’s license number, income level and other financial information, license information, username, password, age or date of birth and employment information. We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit with your communications to us. Other users will be able to view who has posted certain content or documents.
We may use your personally identifiable information to deliver requested services or information, provide you, or have our third-party service partners (as described in the Disclosure Section below) provide you, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our Site and Services, verify your authority to enter our Site and to improve the content and general administration of the Site and our Services.
Method of Information Collection
If you do not want US to collect personally identifiable information AS EXPLAINED ABOVE, then you should not PRESS THE ‘CONTINUE’ and/OR ‘CLICK TO SEE YOUR RESULTS’ BUTTON.
Mortgageloan.com recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children's online activities and interests. This Site is not intended for children under the age of 13. Mortgageloan.com does not target its Services or this Site to children under 13. Mortgageloan.com does not knowingly collect personally identifiable information from children under the age of 13.
We may use small text files called cookies to improve overall Site experience. A cookie is a piece of data stored on the user's hard drive containing information about the user. Cookies generally do not permit us to personally identify you.
Clear Gifs (Web Beacons/Web Bugs)
We employ [or our third party advertising partner employs] a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie [do not tie] the information gathered by clear gifs to our customers’ personally identifiable information.
The Site may track the total number of visitors to our Site, the number of visitors to each page of our Site, browser type, and IP addresses, and we may analyse this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Site, track users' movement, and gather broad demographic information for aggregate use.
As stated above, we may share your information with third party service partners when you use our services to request a quote or make an inquiry about a loan or certain other mortgage information on this Site (a "Request"). In the event that you submit a Request, third party service providers may contact you directly with quotes via mail, telephone, text message, fax, email and other means of communication. You understand and acknowledge that you may receive telemarketing calls as a consequence of submitting a Request even if you are on the national ‘Do Not Call’ Registry or on any other do-not-call registry.
If you are matched with third party service partners, you expressly consent to such third party service partners conducting any research necessary to provide you with quotes for your Request. Such third party service partners may need to share your information to conduct such research.
If you do not want third party service partners to conduct the necessary research to provide you with a quote for your Request, then you should not submit a Request.
Please note that if you submit a Request through our Services and we share your information as described above in connection with your Request, you will NOT have the opportunity to opt out of the disclosure of your information in connection with that Request.
If you do not want your information shared as described above, then you should not provide us with your information.
Please note that no method of transmission or method of electronic storage is fully (100%) secure. We cannot guarantee absolute security. Therefore, notwithstanding anything to the contrary, you use our Services at your own risk and we do not promise or guarantee, and you should not expect, that your information will always remain private. In the event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate your information.
Information You Disclose to Third Parties
Links to Third Party Sites
Sharing with Friends
We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. Mortgageloan.com may use secure socket layer and other security measures to help prevent unauthorized access to your personally identifiable information.
Additionally, Mortgageloan.com’s web servers support the Secure Socket Layer (SSL) transaction in order to keep the information passed back and forth between a web server and its users confidential.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at /contact. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Users Outside of the United States
Correction/Updating Personally Identifiable Information
Special Notification for California Residents -- Your California Privacy Rights
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at firstname.lastname@example.org or in writing at:
Mortgage Loan Directory & Information LLC
114, 5th Floor, The Strand,
Gzira GZR 1027
California privacy rights requests must include the reference "Request for California Privacy Information" on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.