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1. Collecting Information
When you visit our Web site, we may collect information about you that you voluntarily choose to share with us. This identification information may include, but is not limited to, your name, your physical address, your e-mail address, your telephone and fax numbers, details of your real estate and lending needs and preferences, and other details of your life.
What may be less obvious to you is that, when you visit our Web site, we may collect data involving your usage through the use of "cookies" (i.e., small text files placed on your computer by a Web site), Web server logs, and other Web tools. This technology allows us to customize your online experience, as well as track your Internet use.
The tracking data we collect may include, but is not limited to, the date and time you visit, the time you spend, the Web pages you view, the other Web sites you visit, your search queries, and basic information about your computer, such as your Internet Protocol ("IP") address, your domain name, your browser type, and the name of your Internet service provider. In the same way, our affiliates or unaffiliated third parties may also track your Internet use.
You may deactivate cookies if you do not want your browsing to be tracked, but doing so may hinder your online experience.
2. Using Information Collected
We primarily use the identification information you voluntarily share with us to customize your online experience and to do what you have asked of us. We also use your identification information to tell you about our services, but you may instruct us not to send communications to you by following the procedure indicated below under "Contacting Us." On occasion, we use your identification information to validate your identity.
As for usage tracking data, we primarily use that information to operate and improve our Web site, and to further our marketing efforts. As a general rule, we do not share your information with unaffiliated third parties. We may, however, share your information with our own personnel and our service providers to the extent necessary to fulfill your requests. We may also share your information with our affiliates which includes online or direct marketing of our services, but we will not share it with unaffiliated third parties for direct marketing purposes.
We reserve the right to disclose your information under limited circumstances, such as to cooperate with law enforcement or judicial authorities as required by law or legal process, to protect our own legal rights, or to protect the public good.
Whenever you are online, you run the risk that the information you give out will fall into the wrong hands. Although we implement and maintain reasonable security procedures and practices to safeguard your privacy, we cannot guarantee the security of any information you provide to us. We accept no responsibility or liability for the activities of third parties.
How We Respond to Do Not Track (DNT) Signals
At this time, we do not acknowledge a user's DNT settings. Any information we receive from your time spent on our Web site is primarily used to operate and improve our Web site, and to further our marketing efforts. As a general rule, we do not share your information with unaffiliated third parties. We may, however, share your information with our own personnel and our service providers to the extent necessary to fulfill your requests. We may also share your information with our affiliates which includes online or direct marketing of our services, but we will not share it with unaffiliated third parties for direct marketing purposes.
3. Updating Information
If you would like to review the information about you that we have collected through our Web site, or to change that information, you can make that request by following the procedure indicated below under "Contacting Us." We may require that you verify your identity before we process your request.
5. Contacting Us
Under California law, California residents have the right to request in writing from businesses with whom they have an established business relationship (1) a list of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties, including affiliates, during the immediately preceding calendar year for the third parties' direct marketing purposes and (2) the names and addresses of all such third parties.
6. Effective Date