Privacy Policy

This “Privacy Policy” applies to the website themortgagenote.org (the “Website”).  We have created this Privacy Policy to explain what information may be collected on our Website, how we use your information and how we may disclose your information to third parties.  By using the Website, you are consenting to the terms of this Privacy Policy. 

You should review this Privacy Policy frequently, as we reserve the right to change it from time to time without prior notice to you.  Any changes will be effective immediately upon posting of the revised Privacy Policy.   

 INFORMATION WE COLLECT

Our Website collects two kinds of information about you:

Personally Identifiable Information:

Personally identifiable information (“PII”) includes any information that may be used to specifically identify you, such as your name, mailing address, email address or phone number.  We do not collect your PII when you visit our Website unless you provide it to us.  Depending on your use of the Website, we may request your PII in connection with a feature of the Website, like when you contact us, request information from us or sign up for our newsletter.

The PII you submit to us through the Website is used to provide the services you request, send you our newsletters and/or carry out the action for which you submitted the information.

In certain circumstances, we may also share your PII with third-party vendors performing services on our behalf.  These vendors agree to use your information we share with them only to provide the services for which they are contracted.  We do not sell your data or provide it to others for advertising purposes.

You can control whether or not you want to continue to receive information from us by following “unsubscribe” instructions within the emails or contacting us at [email protected]

Non-Personal Information:

Non-personal information (“NPI”) is any information that does not individually identify you, which can include PII that has been de-identified.  We may collect NPI about you from information that you voluntarily provide us and we automatically collect some NPI when you access our Website, such as usage information.

In connection with our Website, we may use a variety of technologies that automatically collect certain usage information whenever you access the Website such as web beacons or cookies.  This information may include browser type, operating system, the time and date of your visit, the preceding page view, your IP address and other unique information about the device you use to access the Website. If any of the usage information collected through passive means can identify you, it will be treated as PII. 

Cookies are small files that are placed on your computer when you visit a website.

Cookies may be used to store a unique identification number tied to your computer or device so that you can be recognized as the same user across one or more browsing sessions.  You can disable cookies but this may interfere with the proper functioning of the Site. 

Beacons communicate information from your device to a server.  Beacons can be embedded in online contact, video and emails and allow a server to read certain types of information for your device, know when you have viewed particular content, determine the time and date on which you viewed the beacon and the IP address of your device.

We may use Website usage information for a variety of purposes, including to enhance or otherwise improve the Website.  Usage information helps us determine how our Website is used and how we can make your experience on our Website better. 

Social Networking Sites

To the extent that our Website allows you to share, post or “like” our Website or its content on social networking sites and you engage in such activities, we will be required to share certain of your information with such social networking sites and they, in turn, will share certain information with us in order to process your requests.  Note that our treatment of any such information shall be governed by this Privacy Policy and the social networking site’s treatment of any information we share with it to process the actions you choose shall be governed by the privacy policy on such social networking site.

Third Party Websites

Our Website may link to or contain links to other third party websites that we do not control or maintain.  We are not responsible for the privacy practices employed by any third party website.  We encourage you to review the privacy policies of all third party websites you visit when you leave our Website.

Sharing Information

We may share your information under the following circumstances:

 (1) in response to subpoenas, court orders, or legal process, or to establish, protect, or exercise our legal rights or to defend against legal claims;

(2) to investigate, prevent, or take action regarding illegal activities, fraud, or situations involving potential threats to the safety of any person or property; and

(3) to investigate, prevent, or take action against voluminous spamming, service attacks, or attempts to compromise the security of information on the Site.

Privacy Rights in Certain Jurisdictions

Residents of some jurisdictions have the right to request a list of all third-parties to which our site has disclosed certain personal information during the preceding year for those parties’ direct marketing purposes. If you reside in such a jurisdiction and want such a list, please send a request by email at [email protected]  In all such requests, please use the subject line “Your Privacy Rights” and include your name, street address, city, state, and zip code.

Children’s Personal Information

The site and the site’s content are not intended for children under the age of 18. We do not knowingly collect personal information via our site from users under the age of 18.  Please contact us if you learn we have inadvertently collected information from a user under the age of 18 and we will take reasonable steps to delete it from our records.

Security

We have implemented security measures we consider reasonable and appropriate to protect against the loss, misuse and alteration of the information under our control.  Please be advised, however, that while we strive to protect your privacy, we cannot guarantee or warrant the security of any information you disclose or transmit to us online and are not responsible for the theft, destruction or inadvertent disclosure of your PII. 

Consent To Transfer Information To The United States

The Website is operated in the United States and intended for users located in the United States.  If you are located outside of the United States, please be aware that information we collect will be transferred to and processed in the United States.  By using the Website or providing us with any information, you consent to this transfer and processing of your information in the United States.

Contact Us

If you have any questions about this Privacy Policy, please write to us at [email protected]

Last Updated: February 26, 2020