Effective 1/15/2008
Our Commitment To Privacy
Your privacy is important to us. To better
protect your privacy we provide this notice explaining our
online information practices and the choices you can make
about the way your information is collected and used. To make
this notice easy to find, we make it available on our homepage
and at every point where personally identifiable information
may be requested.
The Information We Collect:
This notice applies to all information collected
or submitted on the #1 Debt Money website. On
some pages, you can apply to receive mortgage rate quotes. The
types of personal information collected at these pages are:
The Way We Use Information:
Any information obtained by #1 Debt Money,
its authorized affiliates, lenders, brokers, successors and/or
assigns will be used for the purpose of determining the
eligibility of a loan applicant. Information obtained may be
submitted to an authorized third party to determine credit
worthiness and eligibility of a loan applicant.
Automatically Gathered Information.
#1 Debt Money automatically collects your
browser type and browser software version to tailor the
presentation of the services to your platform and to maintain
a record of your activity on the #1 Debt Money web-site.
#1 Debt Money may also use cookies to enable users to
specify unique preferences and to track user trends and
patterns. Users always have the option of disabling cookies
via their browser preferences. If you disable cookies on
your browser, please note that some parts of our #1 Debt
Money site may not function as effectively or may be
considerably slower. As an automatic process, our web server
software records a log file of IP addresses that access the
#1 Debt Money web-site. We also collect IP address
information but do not ordinarily link IP addresses to Users
Personally Identifiable Information.
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.
Finally, we never use or share the personally
identifiable information provided to us online in ways
unrelated to the ones described above without also providing
you an opportunity to opt-out or otherwise prohibit such
unrelated uses.
Our Commitment To Data Security
To prevent unauthorized access, maintain data
accuracy, and ensure the correct use of information, we have
put in place appropriate physical, electronic, and managerial
procedures to safeguard and secure the information we collect
online.
Limitation of Liability.
a. Neither #1 Debt Money nor its
parent, affiliates or subsidiaries are liable for any loss or
damage caused by a visitor's reliance on: (1) any information
or (2) any product or service obtained through this Site or a
Linked Site. Visitors are responsible for assessing the
accuracy and completeness of any information obtained from
this Site or a Linked Site.
b. Neither #1 Debt Money nor its
parent, affiliates or subsidiaries are responsible or liable
for any inaccuracies, errors or omissions in the Content or in
the products or services offered on this Site or a Linked
Site.
c. Neither #1 Debt Money nor its parent,
affiliates or subsidiaries are liable in any way for any
indirect, special, punitive, consequential, or indirect
damages in connection with the use of this Site or a Linked
Site or with the delay or inability to use this Site or a
Linked Site, whether or not #1 Debt Money is made aware
of the possibility of such damages. This limitation includes,
but is not limited to, the transmission of any viruses or
Trojan horses that may affect a Visitor's equipment, failure
of any electronic or telephonic equipment, communication or
connection lines, unauthorized access, theft, operator errors,
or any force majeure. #1 Debt Money does not guarantee
continuous, uninterrupted or secure access to this Site or a
Linked Site.
d. By applying, this does not obligate
#1 Debt Money, its authorized affiliates, lenders,
brokers, successors and/or assigns to make a loan to any
applicant, nor does it imply an offer to lend or loan to any
applicant.
Collection of Information by
Third-Party Sites
This site contains links to other
Internet websites and has no control or authority over the
information submitted/collected by these third party
website(s). Please refer to the respective
Privacy Policy of the individual third party website(s).
Use and Disclosure of Data
Spam
This site does
not intentionally send unsolicited e-mail messages that could
legitimately be construed as spam.
COPPA
This site complies with the
Children's Online Privacy Protection Act of 1998.
This site is not specifically directed to children
under 18. If this site has been informed or
unintentionally collected or received information from a child
under 18, we will immediately delete such information from our
databases. This site shall not knowingly distribute any
personally identifiable information erroneously collected from
children under 18.
Policy Changes
With or without prior notification,
we may find it necessary or be legally obligated to update
this Privacy Policy from time to time. All changes will be
posted at this site. Except as otherwise required by law,
modifications to this Privacy Policy will not affect the
privacy of data collected by us prior to the effective date of
the policy change.