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Thank you for visiting our web site. We know that privacy
is an important issue for our visitors and we want them
to know that we take privacy seriously. Please take a minute
to review our privacy policy, which describes what types
of personally and non-personally identifiable information
we collect from visitors; the purposes for which we use
this information, and to whom and under what circumstances
we disclose this information. This policy only applies to
information collected through FHA-Government-Home.com.
When visitors access www.FHA-Government-Home.com, FHA-Government-Home.com
may automatically collect non-personally identifiable information
about them, including, among other things, the links visitors
use to arrive at FHA-Government-Home.com, the domain and
host from which visitors access the Internet, the type of
web browser that visitors use the type of operating system
in use, IP addresses, and the number and frequency of visitors
who visit various pages of our site.
We only collect personally identifiable information about
visitors when they voluntarily submit it to us. For example,
we ask for information when a visitor registers for a service
or event or applies for a loan at FHA-Government-Home.com
through www.FHA-Government-Home.com. We may also ask for
a visitor's name and e-mail address if the visitor wants
to submit a question to us via e-mail message, utilize e-mail
features, or subscribe to a newsletter, e-mail alert, or
other e-mail subscription service.
We may use non-personally identifiable information collected
from visitors to www.FHA-Government-Home.com to conduct
reviews of our site, to guide decisions about the development
of FHA-Government-Home.com and to provide an enhanced online
experience for our visitors. We may also use such information
to identify, on an aggregate basis, general trends that
may, for example, assist us in determining how to work with
lenders to provide a wider array of products.
We may use personally identifiable information collected
from visitors to www.FHA-Government-Home.com for any of
the following purposes: (1) to answer visitors' questions,
(2) to provide services, newsletters, and other information
that visitors specifically request or register for through
our Web site, (3) to develop and improve FHA-Government-Home.com,
(4) to protect the security and integrity of FHA-Government-Home.com,
or (5) for internal business purposes.
FHA-Government-Home.com may transfer or otherwise disclose
the information it collects from its web site visitors to
contractors, consultants, and other service providers, if
the disclosure will enable that party to perform a business,
professional, or technical support function for the visitor
or for FHA-Government-Home.com. For example, we may use
service providers to offer customized search capabilities,
to help provide services and information upon a visitor's
request, or to improve the performance of FHA-Government-Home.com.
We require these service providers by contract to keep any
personally identifiable information visitors provide on
FHA-Government-Home.com confidential.
FHA-Government-Home.com may also transfer or otherwise
disclose personally identifiable information (1) in response
to judicial process, (2) to protect against or prevent actual
or potential fraud, claims, or other liability, (3) to provide
information to law enforcement agencies or in connection
with an investigation on a matter related to public safety
(as permitted by law), or (4) if required to do so by law.
As such, our business is to put mortgage brokers and lenders
in touch with you to fulfill this service. When you fill
out the form on our website, you consent to being contacted
by one or more service providers.
FHA-Government-Home.com
collects information from new and existing customers at
various points throughout our website. Only with your consent,
we may share this information to work with trusted third
party business partners who may contact you to subscribe
to or use their products. We work with various trusted companies
in the loan, insurance and credit industries. Trusted companies
are companies defined as adhering to our strict agreements
and protect your personal information from distribution,
loss, theft and misuse.
We
may use the information that we collect from you in several
ways. We will only do so if you authorize us to, and our
service providers are bound by agreement with us to honor
your request. First, we, or a third party advertiser with
which we have contracted ("Advertiser"), share your registration
information with the appropriate service provider in order
for these service providers to contact you. We might also
use the information to enable us, or one of our service
providers, to notify you of special offers available to
FHA-Government-Home.com's consumers, and for other, similar
purposes. You can control whether you receive such e-mails
by following the instructions on this website, and we will
make every reasonable effort to honor your request. We may
also use the information you provide to allow us to contact
you for administrative purposes, for example, to tell you
about changes to our privacy policy.
We
may also use certain information that you provide in order
to present you with advertising that you may find interesting.
This advertising may be on the website itself or through
promotional emails from us or the Advertiser. This benefits
both of us. It benefits you because you see advertising
that may actually be interesting to you, rather than annoying.
It benefits us because advertising helps us pay the bills,
and we can charge our advertisers more if they know that
their ads will be seen by somebody more likely to find them
useful.
FHA-Government-Home.com
may sell or rent personally identifiable information to
a third party other than our lending institution affiliates
or any acquirer as discussed below, such as the Advertiser.
Also, we may aggregate personal information from all of
our users and provide that information in the aggregate
to other parties, including Advertisers, for marketing and
promotional purposes. However, if we do so, that information
will not be in a way that will allow any third party to
identify you personally.
FHA-Government-Home.com
must cooperate with legal authorities, and may in some circumstances
be required to disclose personally identifiable information
in response to requests from law enforcement authorities,
or in response to a subpoena or other legal process. We
don't expect this to happen, but if it does, we will provide
only the information required. We can also turn over information
about you if we believe we must in order to prevent a violation
of the law, and by accepting this policy, you consent to
our right to do so, in our sole discretion. You also consent
to our disclosing information about you in the course of
legal proceedings if we are legally required to do so, if
we reasonably believe that doing so may mitigate our liability,
or if doing so will assist us in enforcing our legal rights.
At
some point, FHA-Government-Home.com, may have related companies,
merge with, or be acquired by another company. When that
happens, then we may disclose to them the information you
have provided to us, in which case we will request them
to abide by this policy. We may also disclose some information
to a potential acquirer, although such disclosure would
be subject to restrictions on use.
Low-Rates-Direct
is not a lender or a broker. The information provided by
you to Low-Rates-Direct is not an application for a mortgage
loan, nor is it used to pre-qualify you with any lender
or broker. If you are contacted by a lender or broker that
advertises with Low-Rates-Direct and you submit a loan application
to such lender or broker, your information remains between
you and that lender or broker.
Low-Rates-Direct
does not endorse, warrant or guarantee service or products
of any lender or broker and does not guarantee and makes
no representations of any rates, points and loan programs
posted by advertising lenders and brokers. All information
is subject to change without notice. This is not an advertisement
for credit as defined by paragraph 226.24 of regulation
Z.
Low-Rates-Direct
shall not be responsible or liable for any products, services,
information or other materials displayed, purchased, or
obtained as a result of any information or offer in or results
of any kind obtained in connection with this website, including,
without limitation, any agent referrals, loan recommendations,
application, approval, pre-qualification, loan or interest
rate analysis. Nothing on this website contains an offer,
promise or otherwise, either to make a specific loan or
that any participating lender or broker will make any loan
for any purpose or on any specific terms.
In
no event shall Low-Rates-Direct be liable to anyone for
any delays, inaccuracies, errors or omissions with respect
to the information or the transmission or delivery of all
or any part thereof, for any damage arising therefrom or
occasioned thereby, or for the results obtained from the
use of the information. The entire risk as to the accuracy,
adequacy, completeness, currentness, validity and quality
of any information is with the user.
Low-Rates-Direct
works to maintain the highest professional standards of
confidentiality and integrity.
A "cookie" is a small text file that is placed on the hard
drive of a visitor's computer. We use cookies for several
purposes such as (1) to provide better service and a more
effective web site, (2) to facilitate interaction with visitors'
browsers, (3) to collect non-personally identifiable data,
(4) to recognize visitors when they return to FHA-Government-Home.com,
and (5) to enable visitors to save data to view later. To
view stored data at a later time, however, visitors must
generally access www.FHA-Government-Home.com from the same
personal computer that they originally provided the data.
Most browsers are initially set to accept cookies to store
information. Visitors are always free to decline cookies,
but in doing so they may not be able to use certain features
on www.FHA-Government-Home.com.
www.FHA-Government-Home.com may contain links to third
party web sites. Our privacy policy does not apply to these
linked sites. In addition, FHA-Government-Home.com does
not endorse and is not responsible for the privacy practices
or content of any of the linked sites. We generally have
no control over the way in which the sponsors of the third
party sites collect and use information. Therefore, we recommend
that visitors review the posted privacy statements on any
web site they visit.
We maintain physical, electronic, and procedural safeguards
to maintain the confidentiality, security, and integrity
of visitors' personally identifiable information.
We allow access to personally identifiable information only
to persons and entities engaging in activities permitted
by this privacy policy.
Although we strive to maintain the highest standards of
privacy, no data transmission over the Internet or any wireless
network can be guaranteed to be 100% secure. FHA-Government-Home.com
cannot guarantee or warrant the security of any information
visitors transmit to us and visitors do so at their own
risk.
We reserve the right to revise or change the terms of the
FHA-Government-Home.com privacy policy in the future to
reflect modifications to our site. To ensure that visitors
are aware of our current privacy practices, we recommend
that they check this site periodically. We will not materially
change how we handle previously collected personally identifiable
information without providing notice and choice as to how
we use this information.
If visitors have any questions regarding the FHA-Government-Home.com
privacy policy, please feel free to contact us via Web
Form.
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