MortgageCreditProblems.com Privacy Policy


TABLE OF CONTENTS   

     
  • Introduction
    •           
  • General Privacy Guidelines
    •       
  • Website Collection, Use, and Disclosure of Personal Information
    •       
  • Disclosure to Advertisers
    •       
  • Cookies and Image Tags
    •       
  • Children’s Privacy Policy
    •       
  • Monitoring and Use of Aggregate Personal Information
    •       
  • Advertising and Other Third Party Content
    •       
  • Hyperlinks to Other Websites
    •       
  • Security Measures


INTRODUCTION

Your privacy is very important to us at MortgageCreditProblems.com (“MCP”), the operator of this website. Because we gather certain types of personally identifiable information from users of our website for operational and business purposes, we feel you should know how we collect, use, disclose, manage, and store the Personal Information that you may voluntarily provide us and the Personal Information that is collected passively through the use of cookies or image tags on our website. This Policy applies only to the Personal Information collected by this website and does not cover any such information collected by its company parent(s), affiliates, or any other company, unless specifically stated.

If you do not agree with this Privacy Policy, please do not participate in the online or off-line activities and services that require you to provide your Personal Information (the type of Personal Information collected is listed below).  This Policy provides information regarding your choices to either Opt-out or Opt-in when your Personal Information is used for various promotional and marketing purposes by MCP, its affiliates, and/or our advertisers, sponsors, or promotional partners. For example, for the Site’s or our affiliates’ use of your Personal Information for marketing and promotional purposes, we provide you with the right to Opt-out. However, the choice for sharing your Personal Information with Advertisers may be different. Please see details in the Disclosure to Advertisers section below.

If you have questions about this Privacy Policy, please contact privacy@mortgagecreditproblems.com or send a written request to:

Attn: Privacy Administrator
MortgageCreditProblems.com
1051 E. Hillsdale Blvd, 8th Floor
Foster City, CA 94404

Your continued participation on this Site indicates your acceptance of this Privacy Policy and of the collection, use, disclosure, management and storage of your Personal Information as described below. We may from time to time, transfer or merge any Personal Information collected off-line to our online databases or store off-line information in an electronic format. We may also combine Personal Information we collect online with information available from other sources, including information received from Advertisers, or marketing companies. This Privacy Policy covers all such Personal Information and will remain in full force and effect as long as you are a user of the Site. We reserve the right to revise this policy at any time by updating this posting without advance notice to you. Such revisions shall be effective to you immediately upon posting. Therefore, we encourage you to check this Privacy Policy often.

GENERAL PRIVACY GUIDELINES

Please be aware that any Personal Information you transfer to us will be transferred to the U.S and subject to U.S. law. By using this Site, participating in any Site activities, and/or providing us with your Personal Information, you consent to this transfer of Personal Information to the U.S., and waive any claims that may arise under your own national laws. All users of the Site are required to provide true, current, complete and accurate Personal Information when prompted and we will reject and delete any entry that we believe in good faith to be false, fraudulent, or inconsistent with this Privacy Policy.

In the event that the assets or stock of MCP or parent company are sold or transferred, merged with a different company or entity, restructured, or subject to other fundamental changes, we reserve the right to disclose any and all databases compiled from Personal Information collected by MCP to such successor. We will seek to obligate the successor to agree to the terms of the Privacy Policy, as it may hereafter be modified, but cannot guarantee that we will be able to do so or that the successor company will comply with this obligation.

WEBSITE COLLECTION, USE, AND DISCLOSURE OF PERSONAL INFORMATION

Generally, you may browse this Site without providing any Personal Information. For certain activities the Personal Information you voluntarily provide may include your first, middle and last name, home address, email address, telephone number, age, or personal preferences, depending on the activity.

We use your Personal Information to provide you with the features or services you request and to respond to other such questions related to the Site. (We explain below what our policy is for the collection, use and disclosure of Personal Information to Advertisers in the Disclosure to Advertisers section below).

We may also use your information for business purposes, or to find out how we can improve our Site via surveys or online tracking mechanisms. We use aggregate Personal Information to help us to evaluate and modify existing services and features. We also use your Personal Information to develop new services and features that may be of interest to you.

We will share your Personal Information with our company parents and affiliated entities primarily for business and operational purposes. On occasion, we will share your Personal Information with related entities for promotional and marketing purposes and you will have the right to Opt-out of such use.

It is also necessary that we share your Personal Information with our operational service providers, the specialists that provide internal support to MCP operations and activities and/or for Site design, development, hosting and operations including maintenance, management, storage and/or fulfillment of various contests, services, and online promotional activities. We use operational service providers to efficiently provide the full range of content, activities and ad services we bring to you and we request that our operational service providers also protect your privacy and not disclose your Personal Information to third party marketers that are not associated with MCP or its website. Additionally, such providers are not to use your Personal Information for their own marketing or promotional purposes unless expressly allowed by us as a means of providing you with the services or product choices that you requested.

DISCLOSURE TO ADVERTISERS

Please be informed that when you submit your Personal Information to MCP we may transfer that information to third-party marketing partners who will offer products or services that we believe may be of interest to you.  Be aware that these Advertisers may not have the same privacy policies that we do.  Therefore, you will need to tell us if you do not want to receive marketing information directly from third-party Advertisers. You may opt-out of this third party disclosure by contacting the Site’s Privacy Administrator at privacy@mortgagecreditproblems.com.  You will also need to tell us if you do not wish to receive marketing or promotional materials from the Site in the same manner.

Please be aware that we may continue to contact you via email for administrative or informational purposes.  By law, such messages are not considered to be commercial email.

We are not responsible for removing your Personal Information from third party lists or entities which you have previously authorized us to share your information. You will need to contact those entities directly.

COOKIES AND IMAGE TAGS

The use of cookies is an industry standard and they are currently used on most websites, including this Site. Cookies are a small text file containing a unique identification number that is transferred from a website to the hard drive of a user’s computer so that the website administrator or a third party operational service provider may identify the computer and passively track the user’s activities on the website. Image tags work in conjunction with cookies and are small image files that may be located on select pages of our Site, or within web-based email newsletters that we may send. (Image tags are also called web beacons, web bugs, clear GIFs or single-pixel GIFs.) Tracking is important because we can better understand what parts of our website are used the most, when to launch new services and how to enhance current offerings. We may share the information we receive from cookies and image tags with third-parties and our Advertisers in aggregate form, which means that such information does not contain specific Personal Information about any one visitor.

You can choose to have your computer warn you each time a cookie or image tag is being sent, or you can choose to turn off all such devices. This is done through your browser. If you turn cookies off, you may not have access to many features at our Site that make your Internet experience more efficient and enjoyable.

CHILDREN’S PRIVACY POLICY

Although persons of all ages may visit our Site, we do not knowingly or intentionally collect Personal Information from children under the age of 13. We will automatically reject and delete the entry of any person we believe in good faith to be under the age of 13.

MONITORING AND USE OF AGGREGATE PERSONAL INFORMATION

We reserve the right to monitor and edit any Personal Information about our users, including information about the use of website activities and services, the contents of users email and messages for internal purposes, and when necessary, to disclose to law enforcement personnel, and/or Internet Service Provider of a user that is not in compliance with the Privacy Policy. We will take such measures if we believe it is necessary to protect the security, integrity, and operations of this Site. Without disclosure of Personal Information about individual users, we may provide aggregate statistics about our users, traffic patterns and related website information to Advertisers, reputable third party vendors or marketing companies.

ADVERTISING AND OTHER THIRD PARTY CONTENT

This Privacy Policy does not cover third party advertising or third party content that may be present on the Site. This Site may provide banner and general advertising, in addition to other content provided by our Advertisers or operational service providers. Users may from time to time purchase goods or services offered through, or otherwise participate in or send messages concerning such advertising, promotions or third party content offered through the Site. Such correspondence, transactions and agreements are solely between the user and the Advertiser or the third party content provider and do not involve the Site. Also, Advertisers and such third party content providers may not have the same privacy policies that we do and you are encouraged to read their privacy policies first.

HYPERLINKS TO OTHER WEBSITES

This Site often provides links to third party websites that could be of interest to our users, including the websites of our Advertisers. This Site does not own or control these websites and therefore, is not responsible for the content, business practices, or operations of such websites. Third party websites linked on this Site may have different privacy policies and business practices than we do. The presence of a link to a third party website does not constitute or imply our endorsement, recommendation, or sponsorship of the third party content, goods, or services available through, or contained on, the Site. By use of this Site, you have agreed that you will use the hyperlinks to third party sites at your own risk.

SECURITY MEASURES

We conduct the collection, management, maintenance and storage of website user information in a secure and commercially reasonable manner using acceptable industry standards of security technology and practices (such as electronic security systems and password protections) to protect against the loss, misuse or alteration of Personal Information. We also request that our operational service providers take such precautions. 

However, please note that when users transmit Personal Information over an unsecured Internet connection, the Site is not responsible for the security of that information during the transmission stage as your email or registration could be copied or intercepted by unknown third parties.  Therefore, you understand, acknowledge, and agree that you transmit certain Personal Information over this Site at your own risk.

This Privacy Policy was last updated on July 9, 2009, and is effective immediately.

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