|
Your privacy is of the utmost importance to CaliforniaHomeLoanRefinance.com. Because we ask for some basic personal
information during registration, we want you to be fully informed of how this information is gathered and used.
Information CaliforniaHomeLoanRefinance.com Requests
When you submit a request for a mortgage quote, you are asked to give only general demographic information (like
zip code, general concerns). You are not required to provide this information. We ask you to tell us a little about
yourself so we can determine which home loan professional meets your needs and, better tailor content for your repeated
visits and alert you if updates that meet the criteria you expressed interest in occur. That information can also be used
to provide you with content that may be of interest to you, and to show you topics and article that are relevant to your
interests. Similar to television, radio, and magazines, CaliforniaHomeLoanRefinance.com relies on revenue from advertising
to subsidize the cost of providing you with free services. To help enhance the relevance and effectiveness of ads,
CaliforniaHomeLoanRefinance.com provides advertisers demographic information on an aggregate basis (not linked to your personal
name or email address). For example, CaliforniaHomeLoanRefinance.com may report to advertisers that "55% of users are located in
the Southern California and have concerns about helpful financial options".
Children's Online Privacy Protection Act
Any data except email address, password and username that CaliforniaHomeLoanRefinance.com collects on children under
13 years of age will be discarded in accordance with the Children's Online Privacy Protection Act. Email addresses of
children under 13 submitted during registration are kept by CaliforniaHomeLoanRefinance.com for identification purposes
only, and under no circumstances are displayed or made publicly available.
Participation
The above describes information that is provided "actively" - meaning, you choose to submit this information to us
when you request mortgage quotes form CaliforniaHomeLoanRefinance.com. Some other information is provided "passively" -
meaning, that CaliforniaHomeLoanRefinance.com obtains this information when you login into your
CaliforniaHomeLoanRefinance.com account and use the site. This is done primarily through the use of "cookies." Cookies are
used on CaliforniaHomeLoanRefinance.com to verify your login information. Any time that you point your browser to a 'members-only'
area, CaliforniaHomeLoanRefinance.com checks your browser's cookie file to see if you have already logged in, and if you have,
you're taken right to the page that you have requested. If not, you'll be directed to the Member login screen, where you can
quickly and easily login to your account, or signup for a new account if you are not yet a member.
Cookies
A cookie is a small text file that many Web sites write to your browser when you visit them. A cookie can only be read by
the site that places it, so CaliforniaHomeLoanRefinance.com can't "see where you've been" based on any other cookies in your
browser. Netscape Navigator uses a single file called "cookies.txt" to record all cookies, and you can open this file in any
text editor to see what it looks like. On a Macintosh computer, the Netscape cookie file is called "MagicCookie". Internet
Explorer uses a separate file for each cookie, which typically resides in "C:\Windows\Profiles\User\Cookies." Much controversy
and myth has been spread about cookies, specifically that cookies "read or write information on your computer's hard drive, and
are therefore evil", or "cookies can find out where I live and what my email address is". To learn the truth about cookies, and to
help dispel this misinformation, please visit:
Netscape: Client Side State - HTTP Cookies
Cookies are generally supported in version 3.0 and newer of Internet Explorer, 2.02 and newer of Netscape, and 3.0 and newer
of AOL. Most browsers also allow the option of displaying a warning before accepting a cookie, or refusing all cookies. In order
to use our member service, cookies MUST be enabled.
Services
CaliforniaHomeLoanRefinance.com hosts forms with imbedded logic to route your request for a free consultation with a mortgage
professional meeting the criteria determined by the form. The information required by the form is as basic and non-personal as
possible. The data requested represents the bare minimum to determine the service and service provider best suited for your needs
as determined by the form. The data is sent by secure socket layer and encryption to insure the information is not made available
to any other party. CaliforniaHomeLoanRefinance.com has a strict policy that NONE of its professional service providers sell,
transmit, share or otherwise disseminate your information without your express consent.
Security
CaliforniaHomeLoanRefinance.com's site has security measures in place to protect the loss, misuse and alteration of the
information under its control. CaliforniaHomeLoanRefinance.com's servers have strict security in place to prevent an intruder
from retrieving personal information about its users.
Personal Information/Opt-out
CaliforniaHomeLoanRefinance.com provides users the opportunity to opt out of receiving newsletters from
CaliforniaHomeLoanRefinance.com by replying with the word UNSUBSCRIBE in the subject line. Any user having difficulty
unsubscribing should contact support@CaliforniaHomeLoanRefinance.com.
Termination
You can elect to terminate your contact with CaliforniaHomeLoanRefinance.com at any time, by sending an email to
support@CaliforniaHomeLoanRefinance.com. Be sure to include your
Email Address in the email so that we can easily identify your account. Upon termination, your account information will be
entirely removed from CaliforniaHomeLoanRefinance.com records.
Summary
In this electronic era, when personal information can easily be obtained through various sources,
CaliforniaHomeLoanRefinance.com appreciates the sensitivity of any private information that you disclose to us. It is our intention
to treat your account information with the highest level of care. If you have further questions about our practices and policies with
regard to how your account information is treated, please contact
support@CaliforniaHomeLoanRefinance.com at any time.
|
