1. CHILDREN’S PRIVACY
2. INFORMATION COLLECTION PRACTICES
(a) Traffic Data.
Like most website operators, FHA Loan Tree automatically gathers information of the sort that browsers automatically make available, including: (i) IP addresses; (ii) domain servers; (iii) types of computers accessing the Website; and (iv) types of Web browsers accessing the Website (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify You.
to customize your experience on the Website to your interests
to ensure that you do not see the same advertisements or informational messages repeatedly, and
to store your password so you do not have to re-enter it each time you visit the Website.
You can learn more about how to delete or control cookies at www.aboutcookies.org.
(d) Personal Information.
In order for You to use certain of the Services, You will be asked to provide FHA Loan Tree certain information that personally identifies You (“Personal Information”). Personal Information includes, without limitation: (1) “Contact Data” (such as Your name, phone number, fax number, mailing address, and e-mail address); (2) “Financial Data” (such as Your credit rating, bankruptcy history, credit/debit card number and expiration date); (3) “Demographic Data” (such as Your gender and zip code); and (4) “Mortgage Data” (such as type of loan, property type and zip code, estimated home value, military status, current mortgage balance, current interest rate, mortgage payment history, and current loan status). Additionally, we purchase and manage opt-in email lists generated by affiliate sites and organizations. To provide better and more relevant services, FHA Loan Tree may supplement the Personal Information You provide with additional Personal Information gathered from public sources or from third-parties, including affiliate sites and organizations and consumer reporting agencies, as long as those third-parties may lawfully provide such information to FHA Loan Tree. You are under no obligation to provide Personal Information, with the caveat that Your refusal to do so may prevent you from using certain of the Services.
3. INFORMATION USE AND DISCLOSURE PRACTICES
(a) Traffic Data and Information Gathered Using Cookies.
FHA Loan Tree analyzes Traffic Data and information gathered using Cookies to help FHA Loan Tree better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, FHA Loan Tree is able to better design the Website to improve Your experience, and to serve You more relevant and interesting content and advertisements. From time to time, FHA Loan Tree may release Traffic Data and information gathered using Cookies in the aggregate, such as by publishing a report on trends in the usage of the Website. FHA Loan Tree does not attempt to link information gathered using Cookies to Personal Information.
(b) Personal Information
FHA Loan Tree uses Your Contact Data and Your Mortgage Data to tailor and send You information about FHA Loan Tree and FHA Loan Tree’s products and services, and to contact You when necessary in connection with the Services. FHA Loan Tree’s partner loan experts use Your Contact Data for the same or related purposes. FHA Loan Tree uses Your Financial Data to verify Your qualifications for certain Services and, when necessary, to bill You. FHA Loan Tree’s partner loan experts use Your Financial Data for the same or related purposes. FHA Loan Tree uses Your Demographic Data to customize and tailor Your experience on the Website. As with Traffic Data and information gathered using Cookies, from time to time FHA Loan Tree may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
(ii) Disclosure Practices.
Except under the following circumstances, FHA Loan Tree will keep Your Personal Information private, and will not share it with third parties.
Disclosure to Affiliate Marketers AND Partner Loan Experts. FHA Loan Tree may utilize any and all Personal Information to help our clients and partner loan experts better understand the demographics of our target audiences as well as to support our marketing data products and services. We may also provide personally identifiable data to partner loan experts which may include third party marketing companies, loan experts, mortgage brokers, advertising agencies, and data aggregation companies. Such data may be used by the aforementioned parties to provide You with information on products and services that may be of interest.
Disclosure in Connection with Services. FHA Loan Tree discloses Personal Information to those who help it provide services, including without limitation those who perform technical, administrative, and data processing tasks such as hosting, billing, fulfillment, and data storage and security.
Unpaid Accounts. If You fail to pay any balance owed in consideration of services, FHA Loan Tree may, as permitted by law, report Your Personal Information, including without limitation Your unpaid balance, to consumer credit reporting services, collection agencies and others.
4. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM FHA LOAN TREE
Without limitation, by providing your name, email, postal or residential address, zip code, credit rating, financial history and/or phone number through the Website, you hereby expressly consent to receive electronic communications, over the short term and periodically, including email and short-message service (“SMS” or “text message”) communications from FHA Loan Tree regarding the Services, new product offers, promotions, and other matters. You may opt-out of receiving electronic communications at any time by (a) following the unsubscribe instructions contained in each electronic communicastion; or (b) sending an email to info@FHALoanTree.com.
5. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM FHA THIRD-PARTY PARTNER LOAN EXPERTS
Without limitation, by providing your name, email, postal or residential address, zip code, credit rating, financial history and/or phone number through the Website, you hereby consent to receive and openly and knowingly solicit electronic communications, including email and SMS communications, from FHA Loan Tree's third-party partner loan experts regarding their services, including offers, promotions, and other related matters. You may opt-out of receiving electronic communications at any time by (a) following the unsubscribe instructions contained in each communication; or (b) sending an email to info@FHALoanTree.com.
FHA Loan Tree remains dedicated to providing notice and choice to all subscribers. Once a subscriber chooses to be removed from our database via our unsubscribe process, the subscriber will no longer receive any offers from us. Please note, however, the subscriber may still receive offers from other affiliated websites and third parties in which he or she has subscribed.
6. SECURITY OF PERSONAL INFORMATION
FHA Loan Tree has implemented and maintains reasonable security procedures and practices to protect against the unauthorized access, use, modification, destruction or disclosure of Your Personal Information.
7. LOST OR STOLEN INFORMATION
You must promptly notify us if Your credit, bank, other financial institution information, user name or password is lost, stolen or used without permission. In such and event, we will remove that credit card number, bank account information, other financial institution information, user name or password from Your account and updated our records accordingly.
8. USER ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION
9. THIRD-PARTY WEBSITES
10. PROMOTIONAL ACTIVITIES
Effective Date: September 30, 2013