Privacy Policy
Updated as of June 29, 2011
If you have questions or concerns regarding this Privacy Policy, please see our contact details at the end of this document.
The following Privacy Policy details how we gather information, how that information is shared, and what practices Metro Lenders Inc. (the “Company”), owner of YourMortgageEngineer.com, implements to ensure your information is safe and protected.
Use of www.YourMortgageEngineer.com (the “Website”) to request mortgage information, submit a loan application, or use any of its services indicates your agreement with this Privacy Policy.
This Privacy Policy does not apply to the practices of other companies that the Company does not own or control, or to people who the Company does not employ.
Your California Privacy Rights
California has passed legislation requiring certain specific disclosures be made available to California residents who use the Internet and provide information that may be used for marketing purposes. That legislation requires any business that discloses a customer’s personal information (as defined by the act) to any third party for direct marketing purposes to provide the customer a method for obtaining the names, addresses and certain other specified details of anyone who might have received that personal information.
If you are a California resident you may request this information from the Company or any of its affiliates by writing to us via our Contact Us form or you may send us correspondence at the following address: 700 N Colorado Blvd, Suite 141 – Denver, CO 80206. The Company is not obligated to respond to more than one such request from a customer per calendar year.
Information collected by the Website
The Website collects information from our users on our Website.
Personally Identifiable Information
Loan Application
Consumers who wish to apply for a mortgage loan must provide adequate information such as name, email address, telephone number and other financial information needed to process a loan application. We consider this information confidential and will not disclose it to 3rd parties. The information may be shared in aggregate without personally identifiable information.
Non-Personally Identifiable Information
Cookies
A cookie is a piece of data stored on the user’s computer tied to information about the user. We use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions.
By setting a persistent cookie, users do not need to log in each time they visit the site, thereby, saving time while on our site. If users reject the persistent cookie, they may still use our site. In this case, we use a session ID cookie to allow access to restricted areas. If cookies are disabled, only non-restricted areas of the site will be accessible. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
This Privacy Policy covers the use of cookies by the Website only. Some of our business partners use cookies on our Website (for example, advertisers). However, we have no access to or control over these cookies, once we have given permission for them to set cookies for advertising. You may disable or reject cookies if your browser permits. Please be advised that this may prevent you from accessing certain features of the Website. If you have trouble with “cookies” disabled, you can reach us via this Contact Us form.
Log Files
Like most standard website servers, we gather information automatically from your browser or Internet session and store it in log files. This information includes your internet protocol (IP) address, the browser type that you are using, Internet service provider (ISP), referring/exit pages, platform or operating system on your computer, date/time stamp, and number of clicks. We use this non-personally identifiable information to analyze trends, administer the site, track user’s movement in aggregate, and gather broad demographic information for aggregate use.
We do not link this automatically collected data to personally identifiable information.
We also engage third-party tracking service providers that use cookies to track non-personally identifiable information about visitors to our Website.
Information Use
The Company, the Website and its operational service partners collect and use your personal information to operate and deliver the services you have requested. The Website also uses your personal information for marketing purposes to inform you of other products or services available from the Website and its affiliates. The Website may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. Also, consumers will automatically be added to our email distribution list and will begin receiving additional information such as newsletters, updates and other publications. In addition, your personal information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other Company and Website sales and marketing efforts.
The non-personally identifiable information that we collect is used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements, and to help determine which ads perform best and which content is most appropriate for different individuals.
Social Media Marketing
We use demographic data on several social media sites such as Facebook and Twitter to better target our advertising and provide pertinent offers we think our users would be interested in.
Links to Other Sites
This Website contains links to other sites that are not owned or controlled by the Website. Please be aware that we, the Company and the Website, are not responsible for the privacy practices of other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This Privacy Policy applies solely to information collected by on this Website.
Information Sharing Policy – Aggregate Information (non-personally identifiable)
There are instances in which your personally identifiable and non-personally identifiable information is shared with third parties, as described below.
Non-personally Identifiable Information
Your non-personally identifiable data may be shared with third party partners of the Website on an anonymous basis.
We also share aggregated demographic information about our user base with our customers. This information does not identify individual users. The Website never sells or releases company information to other parties.
Service Providers and Agents
Occasionally we hire other companies to provide other services on our behalf, such as handling the processing and delivery of mailings, providing customer support, processing transactions, or performing statistical analysis of our services. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose.
Legally Required Disclosures
The Website reserves the right to disclose personally identifiable information as required by law, and when we believe that disclosure is necessary to protect our rights or the safety of users and to comply with judicial proceedings, court order or legal processes served on the Website.
Business Transactions
In the event that the Website 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.
Communications from the Website
Special Offers and Updates
Users will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users, we present the option to not receive these types of communications. Please see the Opt-out section.
Newsletter
If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address. Out of respect for our users’ privacy we provide a way to opt-out of these communications. Please see the Opt-out sections. All Consumers that have requested loan information or applied for a loan will receive newsletters unless they opt out.
Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance, we may send users an email notice. Generally, users may not opt-out of these communications, though they can deactivate their account. These communications are not promotional in nature.
Customer Service
We communicate with users on a regular basis to provide requested services via email or phone in accordance with the user’s wishes.
Opt-out
Personally Identifiable Information – Opting Out
Our users are given the opportunity to ‘opt-out’ of having their information used for purposes not directly related to our Website at the point where we ask for information. For example, our registration form has an ‘opt-out’ mechanism so users who apply for a loan, buy a product from us or subscribe to our service, but do not want to receive marketing material, can keep their email address off of our lists.
Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by replying to the newsletter with UNSUBSCRIBE in the subject line of the email. We also offer an opt-out mechanism on the account pages or the user may contact us using the contact information below to opt-out.
Non-Personally Identifiable Information – Opting Out
As noted above, our Website collects non-personally identifiable information about your website activities using cookies and other tracking devices. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting the Website.
Surveys
From time to time, our Website requests information from users via surveys. Participation in these surveys is completely voluntary and the user therefore has a choice whether or not to disclose this information. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this Website. Users’ personally identifiable information is not shared with third parties unless we give prior notice. Though we may use an intermediary to conduct these surveys, they may not use personally identifiable information for any secondary purposes.
Chat Rooms, Message Boards, and Public Forums
Please keep in mind that whenever you voluntarily disclose personal information online – for example, on message boards, through email, or in chat areas – that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return.
Security
This Website takes every precaution to protect our users’ information. When users submit sensitive information via the website, their information is encrypted and is protected with encryption software–SSL.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If users have any questions about the security at our website please use the Contact Us form.
Children’s Privacy
In compliance with the Children’s Online Privacy Protection Act (COPPA), the Website is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 18 years of age.
Correcting/Updating/Deleting/Deactivating Personal Information
If a user’s personally identifiable information changes (such as postal code, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct, update or delete/deactivate users’ personally identifiable information by requesting the changes through the contact us form.
Changes to Privacy Policy
By using this Website, you consent to the terms of this Privacy Policy, as may be amended from time to time, and to the Website’s processing of personal information for the purposes given above. If we decide to change our privacy policy, we intend to take every reasonable step to ensure that those changes are brought to your attention by posting all changes prominently on our Website for a reasonable period of time and by amending this Privacy Policy. We reserve the right to modify this privacy policy at any time, so please review it frequently.
Contact Info
If users have any questions or suggestions regarding our Privacy Policy, you should first contact us using the Contact Us form or you may send us correspondence at the following address: 700 N Colorado Blvd, Suite 141 – Denver, CO 80206.
