Effective and Last Updated: January 1, 2018
We collect two types of information from you: i) information that you voluntarily provide to us (e.g. through a voluntary registration process, sign-ups or emails); and ii) information that is derived through automated tracking mechanisms.
Voluntary Registration Information
In order to fully access all features of this Site, you must first complete the registration process, during which we will collect personally identifiable information about you. The information may include your name, address, telephone number and email address. We do not collect personally identifiable information about you except when you specifically provide such information to us on a voluntary basis.
Voluntary Information for Services and Features
We [also] collect personally identifiable information when you choose to use certain other features of the Site, including: purchasing subscriptions, email news alerts, text alerts, Q&A question and answer submissions, email forwards, inviting friends, participating in our forums, rating/tagging/commenting articles/posts/pages, surveys, creating a profile, contacting us, submitting loan scenarios and loan closings, and others. When you choose to use these additional features, we require you to provide your “Contact Information” in addition to other personal information that may be required to complete a transaction such as your phone number, billing and shipping addresses and credit card information.
Our site uses "cookies" and other tracking technologies. Cookies enable us to serve secure pages to our users without asking them to sign in repeatedly. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. If a user's system is idle for a defined time, the cookie will expire, forcing the user to sign in again to continue their session. This prevents unauthorized access to the user's information while they are away from their computer.
You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Site.
Clear Gifs (Web Beacons)
We employ a software technology called clear gifs. Clear gifs are often referred to as pixel tags or Web Beacons. These clear gifs are used to help us recognize and assess traffic patterns on our website. Clear gifs are actually small graphics that contain a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. Unlike cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly into Web pages. We do not tie the information gathered by clear gifs to our user's personally identifiable information.
Third Party Advertisers
Some of the advertisements appearing on this Web site are delivered to users by third party advertisers. We may share Web site usage information about users with reputable third parties for the purpose of targeting our advertisements on this site.
If you would like more information about this practice or to opt out of having this information used by companies that are part of the Network Advertising Initiative to provide targeted ads, please visit http://www.networkadvertising.org/optout_nonppii.asp.
Third Party Web Sites
Our web site links to web sites operated by other companies. Some of these third party sites may be co- branded or provide data/services.
Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by Mortgage News Daily, LLC. Please be aware that we, Mortgage News Daily, LLC., are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.
Mortgage News Daily only uses your personal information for the original purposes it was given. Your personal information will not be sold or otherwise transferred to unaffiliated third parties without your approval at the time of collection.
Mortgage News Daily will not disclose, use, give or sell any personal information to third parties for any purposes other than to our suppliers and other third parties who need to know in order to deliver services on behalf of Mortgage News Daily unless required to do so by law. Further, Mortgage News Daily reserves the right to contact you regarding matters relevant to the underlying service provided and/or the information collected.
Please note that personally identifiable information is used only to provide you with a more enjoyable, convenient online experience and to help us identify and/or provide information, products or services that may be of interest to you. We use your personally identifiable information to support and enhance your use of the Site and its features.
Mortgage News Daily may use your personal information for target advertising toward you based on things such as location, region, gender, interests, goals, habits, etc.
We may permit certain trusted third parties to track usage, analyze data such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. This is collected in order to better understand our Web site usage, and enhance the performance of services to maintain and operate the Site and certain features on the Site. We may use third parties to host the Site; operate various features available on the Site; send emails; analyze data; provide search results and links and assist in fulfilling your orders.
Also, we may share personally identifiable or other information with our parent, subsidiaries, divisions, and affiliates.
We may transfer personally identifiable information as an asset in connection with a proposed or actual merger or sale (including any transfers made as part of an insolvency or bankruptcy proceeding) involving all or part of our business or as part of a corporate reorganization, stock sale or other change in control.
Mortgage News Daily may disclose Contact Information in special cases where we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our terms and conditions of use or may be causing injury or interference with our rights, property, our customers or anyone who could be harmed by such activities.
WE ARE NOT LIABLE OR RESPONSIBLE FOR THE PERSONALLY IDENTIFIABLE OR OTHER INFORMATION YOU CHOOSE TO SUBMIT IN FORUMS SUCH AS A BULLETIN BOARD, CHAT ROOM, COMMENTS OR ANY OTHER PUBLICLY ACCESSIBLE AREA OF THE SITE.
We use non-identifying and aggregate information to better design our website and for business and administrative purposes. We may also use or share with third parties for any purpose aggregated data that contains no personally identifiable information.
We are committed to protecting the information we receive from you. We take appropriate security measures to protect your information against unauthorized access to or unauthorized alteration, disclosure or destruction of data. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we maintain appropriate physical, electronic, and managerial procedures to safeguard and secure the information and data stored on our system. While no computer system is completely secure, we believe the measures we have implemented reduce the likelihood of security problems to a level appropriate to the type of data involved.
We provide mechanisms for updating and correcting your personal information for many of our services. You may modify or remove any of your personal information at any time by logging into your account and accessing features such as edit and account.
If you no longer wish to receive updates or notifications may opt-out of receiving these communications by changing your “email notification” settings in your “account settings.”
We do not solicit any personal information from children. If you are not 18 or older, you are not authorized to use the Site. Parents should be aware that there are parental control tools available online that can be used to prevent children from submitting information online without parental permission or from accessing material that is harmful to minors.
In the event Mortgage News Daily, LLC. goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.
We retain your information for as long as necessary to permit us to use it for the purposes that we have communicated to you and comply with applicable law or regulations.