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Find Your LenderOur Privacy Pledge
Last updated: [August] 1st, 2008
We Respect Your Privacy
At BeatMyBroker.com®, your privacy is a top priority for us and we are committed to protecting your privacy online. This Privacy Pledge outlines the steps we've taken to ensure that you have a great experience at BeatMyBroker.com, and also provides details on how we treat any personal information you may submit to us.
This Privacy Pledge applies to this website, BeatMyBroker.com. In addition, BeatMyBroker may own other domain names that point to BeatMyBroker.com in the future, and as we add new sites we will periodically list those sites in this Privacy Pledge. Please note that this policy applies only to sites maintained by BeatMyBroker and not to websites maintained by other companies or organizations to which we link. In addition, this policy applies only to information collected by BeatMyBroker.com online, not offline.
Information Collection and Use
We will collect and use personal information about you to respond to your request for services offered through this website. The information we collect may be from the following sources: • Information provided by you in connection with obtaining quotes for home purchase loans, home refinance loans, or home equity loans. For example, you will be asked to provide your full name, address, telephone number, and other financial information depending upon your request. • Information you provide us when you register to receive communications from us (such as your email address). • Information you provide us through telephone and web based surveys, customer service correspondence, and general feedback.
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.
Information Sharing and Disclosure
We share personal information about you under the following circumstances:
Loan Products or Service Requests - If you submit a request for quotes for a loan product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value, and Social Security Number) with lenders, which include banks, mortgage lenders and brokers (collectively, "Lender" or "Lenders") in our lender network to process and fulfill your request. In some circumstances, our Lenders may obtain additional information about you. For example, Lenders that receive your personal information may use your Social Security Number, Year of Birth or your personal information to obtain your credit report and credit score in order to process and fulfill your request. All Lenders in our network have entered into agreements with BeatMyBroker and are required to comply with federal and state privacy regulations. By submitting your request to BeatMyBroker.com, you understand that Lenders may contact you by telephone, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services.
Subsidiaries, Parent or Sister Companies - We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies. As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of BeatMyBroker.com’s Terms of Use, or as otherwise required by law.
Business Transfer - As with any other business, it is possible that BeatMyBroker in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by BeatMyBroker.com, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.
Advertisements and Third Party Ad Servers
You may receive advertisements for BeatMyBroker.com from third parties. For instance, when visiting a third party website, you may receive a “pop up” window advertising BeatMyBroker.com. Please note that such advertisements are served by the third party website that you have visited and are not controlled by BeatMyBroker.com. In addition, such advertisements may be placed by third party ad servers or ad networks such as DoubleClick. These companies may employ cookies and action tags to measure advertising effectiveness. You may find more information at the website of either the individual ad network or the Network Advertising Initiative.
Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used BeatMyBroker.com. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet. Refusing Cookies - We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to perform this task.
The Network Advertising Initiative ("NAI") has developed an opt-out tool with the express purpose of allowing consumers to "opt-out" of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of cookie tracking. Please visit the NAI by clicking here. Third Party Advertisers - Please note that BeatMyBroker.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
Confidentiality and Security
The security of your personal information is very important at BeatMyBroker.com and we take a number of steps to safeguard it. For example:
• We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. • We maintain physical, electronic, and procedural safeguards to guard personal information about you. • We have partnered with GeoTrust to protect against the loss, misuse or alteration of information that we collect from you.
Third Party Links
This Privacy Pledge applies to all information that you provide to BeatMyBroker.com. However, when you visit websites to which BeatMyBroker.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party’s privacy policy. A third party site will also have its own policy regarding the use of cookies. We encourage you to review the privacy policies of any other service provider from whom you request services.
A Special Note about Children’s Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.
Removing Your Information
Federal and state regulations require that we maintain all information (including your personal information) submitted through the BeatMyBroker.com website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:
By sending an email to:
comments@beatmybroker.com
By sending a letter to:
BeatMyBroker
Attn: Customer Care
P.O. Box 9566
Salt Lake City, Utah 84109
Changes to this Privacy Pledge
BeatMyBroker.com may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how BeatMyBroker.com will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.
By using this site, you signify your assent to the BeatMyBroker.com Privacy Pledge. If you do not agree to this policy, please do not use any of the BeatMyBroker.com site. When you request rate quotes or other information through BeatMyBroker.com, you are authorizing us to share information with our business partners, who will contact you by phone, email, or regular mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Pledge will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Pledge.
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