| | Mortgage Rates - Privacy PolicyBy visiting, using and/or submitting information to http://www.SaveOnRefinance.com/, you are accepting the practices described in this Privacy Policy and the terms and conditions of our Agreement of Terms of Use located at the URL http://www.SaveOnRefinance.com/privacy-policy.html.
SaveOnRefinance takes your privacy seriously, and has published this Privacy Policy to explain how SaveOnRefinance treats all information you may submit to http://www.SaveOnRefinance.com/. Personally Identifiable Information Collection and Use
Many of the features of http://www.SaveOnRefinance.com/ are available to you without your providing personally identifiable information. SaveOnRefinance collects personally identifiable information from you if you register online for one of our newsletters and when you complete free secure online application. When you register online with SaveOnRefinance, we may ask for personally identifiable information like your name, e-mail address, birth date, gender, ZIP code, occupation, industry, personal interests and other demographic information. SaveOnRefinance may also receive your personally identifiable information from one of our business partners.
SaveOnRefinance uses your personally identifiable information to customize the advertising and content you see on our Web pages, to fulfill your requests for certain products and services and if you permit us, to contact you about special offers and new products. Unless you are completing our online application or enter our "Rate Alert" form, SaveOnRefinance does not currently share, loan, rent or sell your personally identifiable information. Your personally identifiable information may also be aggregated and used by SaveOnRefinance for market research, project planning and other internal purposes. SaveOnRefinance will obtain your consent for any use of your personally identifiable information beyond the original uses for which you provided your consent. Notwithstanding the foregoing, SaveOnRefinance reserves the right to share or disclose your personally identifiable information when it determines, in its sole discretion, that the disclosure of your personally identifiable information is necessary to identify, contact, or bring legal action against you if: - you are interfering with another's rights or property, including, without limitation, SaveOnRefinance's rights or property;
- you are violating any applicable law, rule or regulation;
- necessary or required by any applicable law, rule or regulation; and/or
- requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency.
NOTE: If you are submitting personally identifiable information pursuant to Rate Alert entry, and online loan application, SaveOnRefinance reserves the right to share, loan, rent and/or sell the personally identifiable information that you submit with its affiliates and other third parties.
Changes to Personally Identifiable Information and Use Preferences
You may at any time request a copy of our record of your personally identifiable information, change your personally identifiable information or use preferences, or opt-out of SaveOnRefinance's use of your personally identifiable information by contacting us via any of the methods set forth below: Newsletters and CAN-SPAM Compliance
SaveOnRefinance.com sends only verified, double-opt-in e-mail newsletters, specifically requested by our subscribers. Subscriptions to SaveOnRefinance.com newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to our list. SaveOnRefinance.com is fully compliant with CAN-SPAM regulations. Cookie technology
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your web browser on your computer's hard drive. SaveOnRefinance may set and access cookies on your computer to track and store preferential information about you. SaveOnRefinance gathers anonymous information about its users through cookie technology on an aggregate level only. Such aggregated information is used solely within SaveOnRefinance's internal organization and is not shared with third parties. Security
Personally identifiable information you submit to SaveOnRefinance is password-protected for your privacy and security. In certain areas SaveOnRefinance uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises SaveOnRefinance security measures, SaveOnRefinance will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate such information. Links to Other Websites
http://www.saveonrefinance.com/ may include links to other third party websites. Such links are not an endorsement by SaveOnRefinance of those websites and/or the products or services offered there. Third party websites may have different privacy policies and SaveOnRefinance is not responsible for the privacy practices of those third party websites. If you click on a link to a third party website, SaveOnRefinance encourages you to check the privacy policy of that website, as it may differ substantially from that of this Privacy Policy. Access and Use of http://www.saveonrefinance.com/
http://www.saveonrefinance.com/ is intended to be accessed and used only by adults and is not directed to children under the age of 18. SaveOnRefinance does not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18. Changes to this Privacy Policy
SaveOnRefinance reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information SaveOnRefinance collects from you online is subject only to our most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. Our last update was September 16, 2004. You continued access and use of http://www.SaveOnRefinance.com following the posting of any such changes shall automatically be deemed your acceptance of the same. Questions or Concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to customerservice@SaveOnRefinance.com. Governing Law; Arbitration
This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of Massachusetts, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of, or relating to, this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Suffolk County, Massachusetts. The arbitrator shall be selected by you and SaveOnRefinance , and if you and SaveOnRefinance are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator as a retainer for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs. Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and SaveOnRefinance, and your and SaveOnRefinance's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or SaveOnRefinance be entitled to punitive, special, indirect or consequential damages, and both you and SaveOnRefinance hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business. Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.
The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by SaveOnRefinance from time to time, shall survive your acceptance of this Privacy Policy and the termination of this Privacy Policy. This Privacy Policy and the Agreement of Terms of Use located at the URL http://www.SaveOnRefinance.com/privacy-policy.html represent the entire understanding and agreement between you and SaveOnRefinance regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.
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