Legal/Privacy Policy

This site exercises best efforts at all times to preserve and otherwise respect each visitor’s privacy. The exact security measures for implementing this policy are stated below. Notwithstanding the foregoing, you, the visitor, hereby acknowledge by continuing to visit this site that there is a risk your privacy may be compromised by computer and/or human error. You acknowledge, further, that if your privacy is so compromised you will not, in any event, be entitled to any damages or other relief from the owner/operator of this site.

The owner/operator of this site is not and cannot be found liable to any visitor for any reason, even if the visitor sustains actual damages. By continuing to use this site, you, the user, agree that said complete release is enforceable in all respects.

Information We Collect and How It's Used

To process your quote request, we require your name, phone number, email address, mortgage balance (if any) and estimated financial information such as debts, salary, credit, etc . This information is used by the lenders in our network to provide accurate loan quotes and to contact you with rates and terms. We DO NOT REQUIRE your social security number.

Second Mortgages & Home Mortgage Loans website was designed by an independent firm designed to gather consumer requests for loan information or pre-approvals and transfer them in a timely manner to licensed mortgage professionals who purchase this information for their business. These mortgage professionals contact the consumer directly regarding their specific needs. We guarantee that all information submitted through this web site is strictly confidential.

Further, we guarantee that all information submitted through Second Mortgages & Home Mortgage Loans is transferred to no more than four licensed professionals who are either: a specialist for the selected loan type, or local to the consumer. Not all lenders will offer a program that is right for you.

We will not resell any information provided through this web site to other commercial or marketing organizations for any reasons whatsoever. We will honor all requests immediately to remove any consumer from any marketing campaign that we operate, if any. Further, if there are any questions as to any part of our privacy/disclosure policy, please e-mail us directly at info@second-mortgages-home-mortgage-loans.com for more information.

We use your IP address to help diagnose problems with our server, and to administer our Web site only.

This site contains links to other sites. Second Mortgages & Home Mortgage Loans is not responsible for the privacy practices or the content of those Web sites.

Our site uses an order form for customers to request information, products, and services. We collect visitor's contact information (like their email address). Contact information from the order form is never used to send promotional material from any of our partners or reputable third parties that may be of interest to our customers. The customer's contact information is also used to get in touch with the visitor when necessary. Users may opt-out of receiving future mailings; see the choice/opt-out section below.

Security

Some of our sites offer security measures in place to protect the loss, misuse and alteration of the information under our control. We offer all personal data transmission through HTTPS, a secure Internet communications protocol. Our security certificate is issued by Thawte USA. For more information visit http://thawte.com/corporate/cps/cps.html. If you do not see a Valid Thawte USA certificate on this site, we cannot be not liable for any data comprised upon submission.

Choice/Opt-Out

Our site provides users the opportunity to opt-out of receiving communications from us and our partners at the point where we request information about thevisitor. This site gives users the following options for removing their information from our database to not receive future communications. visit http://www.second-mortgages-home-mortgage-loans.com/contact.html

Correct/Update

This site gives users the following options for changing and modifying information previously provided. visit http://www.second-mortgages-home-mortgage-loans.com/contact.html

Resolution of Disputes

Resolution of Disputes. If any dispute regarding any matter whatsoever arises between a visitor and the owner/operator of this site, that dispute must be resolved by arbitration as herein provided. First, the person making a claim must provide written notice of that claim to the other party within thirty (30) days after the claiming party learns that he/she/it may have a claim. Failure to provide said thirty (30) day notice shall result in the complete release and extinguishment of the alleged claim. If said thirty (30) day notice is timely provided then the claiming party must notify the American Arbitration Association in San Diego, California and otherwise file the claim with the American Arbitration Association within thirty (30) days after the date of the thirty (30) day complaint letter. Said arbitration must then be resolved formally within thirty (30) days after submittal of the claim to the American Arbitration Association. Whatever fees must be paid to the American Arbitration Association shall be the complete responsibility of the claiming party. By continuing to use this site, you, as a visitor, agree that the foregoing dispute resolution process is fair and reasonable in all respects.

Contacting the Web Site

If you have any questions about this legal/privacy statement, the practices of this site, or your dealings with this Web site, you can contact Customer Service at Second Mortgages & Home Mortgage Loans.