"Site" refers to this Internet web site (www.HomeLoanBasics.com) and its related services. "You" or "User" refers to a registered user of this Site. "HomeLoanBasics.com" or "We" refers to HomeLoanBasics.com.
This Site contains links to other sites.
HomeLoanBasics.com is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.
The Work Space.
This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and the exchange and sharing of information between Mortgage Brokers/Originators and Lenders. The information contained in private work spaces shared between Mortgage Brokers/Originators and Lenders is not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.
Information We Gather.
If You register to use or provide services using HomeLoanBasics.com, we collect and store information that specifically identifies You or your account ("Personally Identifiable Information"). At this time, the required information is your User ID, password, first name, last name, business name, address, city, state, zip/postal code, phone, fax, email and web site address. Other information requested on our registration page is optional. We may, in the future, include other optional requests for information from You, to help us to tailor the Site for You and deliver personalized information to You.
Online Surveys and Contests.
Occasionally HomeLoanBasics.com conducts an online user survey to collect information about our Users preferences. These surveys are optional and if You choose to respond, your responses will be kept anonymous. Similarly, we offer contests to qualifying Users in which we ask for contact and demographic information such as name, email address and mailing address.
The HomeLoanBasics.com Payment System.
HomeLoanBasics.com offers a payment system that allows You to pay with a credit card (the "Payment System"). If You make use of this service, We will collect your credit card number and will use that information to perform the billing, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation.
Automatically Gathered Information.
Email to Friends Feature.
HomeLoanBasics.com lets You easily announce our service and your participation in said service to whomever you choose via email. If You choose to use this feature, be aware that those email addresses are reused to remind those that have not taken advantage of our services of your participation.
Your Public Profile.
As part of registration, You are required to provide contact information such as name, address, city, state, zip, phone, fax and email address some of which is displayed to other users of our service in an effort to simplify communication between members..
How We Use Information.
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.
At this time we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by sending a message to Unsubscribe@HomeLoanBasics.com.
Demographic Information, Surveys and Contests.
The demographic information that HomeLoanBasics.com collects in the registration process and through online surveys is used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.
Comments Submitted by Users.
HomeLoanBasics.com constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments You have to Us by clicking on the link entitled "Send us your comments" at the bottom of most of the pages on the Site, or by sending an email to comments@HomeLoanBasics.com. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Our Payment System is operated using secure Internet connections, using SSL (Secure Sockets Layer) encryption, to help protect your financial data. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.
Terminating Your Membership.
We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, send email to service@HomeLoanBasics.com. If You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email communications for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.
Correcting/Updating Your Information.
This Site gives the following options for changing and modifying information previously provided.
- Your Personal Profile.
- Your list of states and loan programs for which you choose to advertise in.
If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:
109 W. 920 S.
Provo, UT 84601