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Privacy Policy


Our Privacy and Security Policy

 

Information We Collect About You:


We gather nonpublic personal information about you that we believe is necessary or useful in order to conduct business with you. We may collect nonpublic personal information about you from the following sources:

 
  • Information received from you on credit applications or other forms, over the telephone with you, in face-to-face meetings with you, and via the Internet from you. Examples of such information include your personal address, birth date, credit history, employment data, name, social security number, telephone number, and other nonpublic personal financial information.
     
  • Information received from consumer reporting agencies. Examples include your credit report, credit score, and other data relating to your creditworthiness.
     
  • Information obtained from outside sources regarding your credit, deposit, employment, and other relationships. Examples of this information include deposit and employment verifications, loan balances, and property insurance coverages.

Information We Disclose About You:


We do not disclose any nonpublic personal information about you to anyone, except as permitted by law and except as described in the following text.
 

Protection Measures We Use To Safeguard Your Nonpublic Personal Information:

 
  • We restrict access to your nonpublic personal information to those employees or licensed mortgage independent contractors who need to know that information in order to provide products or services to you.
     
  • We maintain electronic, physical, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
     
  • We devote considerable resources to the maintenance of secure Internet communications to help ensure that your transactions with us are conducted in a safe environment.

Third Party Advertising

OnlineHomeEquity.net uses third-party advertising companies to serve ads when you visit our website. These companies use non-personally identifiable information regarding your visit to this website and other sites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad (but not your name, address, or other personal information), to serve ads to you on this site and other sites that may be of interest to you. In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique cookie on your browser.

Specifically, Google, as a third party vendor, uses cookies to serve ads on this website. Google's use of the DART cookie enables it to serve ads to you based on your visit to this website and other websites on the Internet. You may opt out of the use of the DART cookies by visiting the Google ad and content network privacy policy.

In addition, we use clear GIFs or pixel tags to help manage our online advertising. These clear GIFs enable our ad serving company to recognize a browser's cookie when a browser visits this site. This allows us to learn which banner ads bring users to our website. The information we collect and share through this technology is not personally identifiable.

To learn more about these practices and your choices about not having this information used by these companies please click here.

How this Affects You:

This Notice is effective as of March 27, 2009, and applies to products and services provided by Online Home Equity and affiliates that are used primarily for personal, family, and household purposes. We reserve the right to amend (i.e. add to, change, or delete) the terms of this Notice from time-to-time.


*Information that is not publicly available and that i)a consumer provides to obtain a financial product or service, ii)results from a transaction with a consumer involving a financial product or service, or iii)is obtained about a consumer in connection with providing a financial product or service.
**Implemented by Title 16, Part 313 of the Code of Federal Regulations (i.e. 16 CFR 313).