<p>
<b>Privacy
Policy / Terms of Use </b>
</p>
<p>
(Amended
as of Feb.
5, 2020) </p>
<p>
This
Online Privacy Policy applies to www.fhamortgageplace.com, owned
and operated by FHA Mortgage Place (sometimes
referred to as “FHA Mortgage Place”), and any Company affiliate or
subsidiary online interface that links to this Policy, (each, a
“Site,” and collectively, the “Sites”).
This
Policy describes how FHA Mortgage Place collects and uses the
personal information you provide.
It also describes the choices
available to you regarding the use of, your access to, and how to
update and correct your personal information.</p>
<p>
This
Web site is not directed at persons under the age of 18.
By using
this Site you consent to this Online Privacy Policy, including your
consent to our use and disclosure of information about you in the
manner described herein.
When you register with this website, you
explicitly authorize us to share your information.</p>
<p>
If
you do not agree with the terms and conditions of our Privacy Policy,
please do not complete the information request form (i.e., do not
register) or otherwise use or access this Site.
If you have an
unresolved privacy or data use concern that we have not addressed
satisfactorily, please contact our U.S.-based third party dispute
resolution provider (free of charge) at
https://feedback-form.truste.com/watchdog/request.</p>
<p>
Our
Privacy Policy explains what information we obtain on this Site, and
how we use the information disclosed to us to link you to our
business affiliates who have expressed a willingness to provide you
with the products and services associated with this Site.
</p>
<p>
<b>Who We Are </b>
</p>
<p>
We
are an on-line consumer service that introduces persons such as
yourself to certain of our business affiliates who have expressed a
general willingness to review your information and determine if they
are willing to provide you with the services or products that
prompted you to visit our Site.
When you visit our Site, you will be
requested to complete provide certain information that our business
affiliates request in order to perform a preliminary analysis of your
qualifications to receive the service or products.
Based upon your
consent, as evidenced by your registering with us on this Site (i.e.,
your submission of the requested information on the application), we
will forward the information that you provided to certain of our
business affiliates.
</p>
<p>
In
addition, from time to time, we or our business affiliates may
provide you the additional service (the "Premium Service")
of sending you e-mail you or otherwise corresponding with you to
inform you of additional opportunities to receive special offers for
other services and/or products that we believe may be of interest.
There are no fees for Premium Service, and you are under no
obligation to accept any service or product with any of our business
affiliates offered under the Premium Service.
</p>
<p>
<b>Information We Collect </b>
</p>
<p>
We
collect the information that you submit and which our business
affiliates consider necessary for performing a preliminary evaluation
of your qualifications for their products and services.
</p>
<p>
We
may collect the following personal information from you:</p>
<ul>
<li>
<p> name.
address.
e-mail address.
telephone number.
fax number.
credit card information.
information about your interests in and use of various products, programs, and services.
education level.
educational interests.
home owner status.
income.
debt level.
current mortgage.
mortgage rate and the like.
</p>
</li>
</ul>
<p>
<b>Information Use</b>
</p>
<p>
WE
MAY USE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY
PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERING SUCH
INFORMATION AT ANY TIME TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE
PURPOSE.
</p>
<p>
We
use your information to:</p>
<ul>
<li>
<p> Send you requested product or service information</p>
</li>
<li>
<p> Provide you with you requested information </p>
</li>
<li>
<p> Respond to customer service requests</p>
</li>
<li>
<p> Send you a newsletter</p>
</li>
<li>
<p> Send you marketing communications</p>
</li>
<li>
<p> Provide information to our affiliates </p>
</li>
<li>
<p> Respond to your questions and concerns</p>
</li>
<li>
<p> Optimize and enhance your experience on our Site.
as well as provide you with an efficient, safe, smooth, and customized experience</p>
</li>
</ul>
<p>
<b>Sharing Information</b>
</p>
<p> As noted throughout, we send, sell and transfer information to our
business associates for the purpose of providing you with requested
services.
We may share your personal
information with select business affiliates so that they can contact
you and offer you products and or services that we believe might be
of interest to you.
This may include e-mail advertising, telephone
marketing, direct mail marketing, and online banner advertising to
name a few.
In addition, we may maintain separate e-mail, mailing or
phone lists for different purposes based on the information that you
submitted and that we maintain.
For your information, our business
affiliates have all agreed to operate in accordance with federal and
state laws and regulations relating to the handling of your personal
information.
You may learn more about any of our business affiliate's
privacy policy by visiting our business affiliates' Web sites at such
times as such affiliate may contact you.
We are not responsible for
the privacy practices or the content of our business affiliates' Web
sites.
If you wish to end any e-mail correspondence from us, you will
need to Opt-out from receiving further correspondence by advising us
of your decision to Opt-out by clicking a link in the e-mail to our
Opt-out procedures.
Within ten (10) business days, your e-mail
address will be placed on a suppression list and we will no longer
correspond with you by email or resell or transfer your information
to third parties.
If you wish to end future correspondence with any
of our business affiliates, you will need to follow the instructions
at the end of any such each e-mail message from them to unsubscribe
from such business affiliate's e-mail.
You are able to opt-out when
registering with us.
</p>
<p>
We
may also disclose your personally identifiable information in
response to a subpoena, court order, or other legal process.
as well
as the transfer or sale of personally identifiable information
pursuant to the sale of our business or assets.
Should such a
combination or acquisition occur, we will require that the new
combined or acquiring entity follow this privacy policy with respect
to your personal information.
If we transfer ownership of the site to
another company, we will notify you by email or by general notice on
our site.
In addition to the forgoing, we may also sell, transfer or
share non-individualized information, such as summary or aggregated
anonymous information about all persons or sub-groups of persons
visiting this site.
</p>
<p>
We
cannot ensure that all of your private communications and other
personal information will never be disclosed in ways not otherwise
described in this Privacy Policy.
For example, third parties may
unlawfully intercept personal data or access our servers and obtain
personal data.
Therefore, although we use industry standard practices
to protect your privacy, we do not promise, nor you should not
expect, that your personal information would always remain private.
</p>
<p>
Certain
sensitive information such as credit card numbers or other
information such as social security numbers and drivers licenses
("Financial Information") collected on the site and
associated data is encrypted and protected with SSL encryption
software from the time it is captured by our application to the time
it is transmitted to our servers.
For more information on the
encryption and protection of your information, please see How We
Protect Your Privacy.
</p>
<p>
<b>Premium
Services and Information Validation </b>
</p>
<p>
Prior
to sending your information to our business affiliates, we attempt to
validate it.
For example, we may compare and review your personal
information for errors, omissions, and accuracy based upon past usage
and response.
or compare your information against other publicly
available files.
or validate some of the personal information
submitted to verify that the information inputted has a high
probability of being valid information.
</p>
<p>
After
we submit your information to our business affiliates, our business
affiliates may begin a separate and independent evaluation of the
information you submitted (the "Preliminary Application").
If our business affiliates find that the Preliminary Application
meets with their more specific acceptance criterion, they may contact
you directly by phone, mail or e-mail.
For more information on how
our business affiliates will handle your personal information, please
visit our business affiliate's website, and review their privacy
policy.
We are not responsible for the privacy practices or the
content of our business affiliates' Web sites.
</p>
<p>
Once
you have registered with us, you are automatically enrolled to
receive our Premium Service.
We use the information you provided,
along with other information described below, to create a general
user profile.
This profile can be created by combining your
information with other sources of information such as information
obtained from public databases, or from your browsing habits
surrounding your visit to this Site.
We may use personal information
to provide the services you've requested, including wireless services
that display customized content and advertising.
In addition to any
fee of which you are notified, your provider's standard messaging
rates apply to our confirmation and all subsequent SMS
correspondence.
You may opt-out and remove your SMS information by
sending "STOP", "END", "QUIT" to the
SMS text message you have received.
If you remove your SMS
information from our database it will no longer be used by us for
secondary purposes, disclosed to third parties, or used by us or
third parties to send promotional correspondence to you.
</p>
<p>
<b>Legitimate
Interests</b>
</p>
<p>
We
use cookies, log files, enhanced email, connected mobile, and
connected TV communications for our legitimate interests of providing
you with relevant and personalized interactions</p>
<p>
<b>Cookies
and Other Tracking Technologies</b>
</p>
<p>
<i>Cookies</i>
</p>
<p>A
cookie is a digital file that contains a string of text, storing
information.
Commonly, web servers which host and maintain websites
send cookies to your computer.
They are usually stored on your
computer via your web browser.
The web browser communicates
information related to your interactions with the website, back to
the web server of the website.
This is a common way to drive
personalization across internet enabled devices, as the storing of
this information allows the website to know what it should know about
you based on what you previously looked at or interacted with.</p>
<p>We
use cookies or similar technologies to analyze trends, administer the
website, track users’ movements around the website, and to
gather demographic information about our user base as a whole.
You
can control the use of cookies at the individual browser level, but
if you choose to disable cookies, it may limit your use of certain
features or functions on our website or service.</p>
<p>
<i>Log
Files</i>
</p>
<p>A
log file is a digital file that records interactions between software
systems.
Log files exists across all internet and IP enabled devices,
including the connected mobile, connected TV, and enhanced email
tactics described herein.
Device type and location using latitude and
longitude coordinates can also be stored.</p>
<p>As
is true of most websites, we gather certain information automatically
and store it in log files.
This information may include internet
protocol (IP) addresses, browser type, internet service provider
(ISP), referring/exit pages, operating system, date/time stamp,
and/or page views.</p>
<p>We
use this information to analyze trends, to administer the site, to
track users’ movements around the site and to gather
demographic information about our user base as a whole.</p>
<p>We
may record your IP addresses when you place an order through our site
in order to detect and prevent fraud.</p>
<p>
We
partner with a third party to either display advertising on our
website or to manage our advertising on other sites.
Our third party
partner may use technologies such as cookies to gather information
about your activities on this website and other sites in order to
provide you advertising based upon your browsing activities and
interests.
If you wish to not have this information used for the
purpose of serving you interest-based ads, you may opt-out by
clicking
on this link.
Please note this
does not opt you out of being served ads.
You will continue to
receive generic ads.</p>
<p>
The
Do Not Track browser settings </p>
<p>
Advertisers
may collect data about your online browsing activity and use it to
show you targeted ads (a process known as "behavioral
advertising").
</p>
<p>
You
can prevent companies from showing you targeted ads by submitting
opt-outs to those service providers.
</p>
<p>
Opting-out
will only prevent targeted ads so you may continue to see generic
(non-targeted ads) from these companies after you opt-out.
</p>
<p>
<b>Correcting
and Updating Your Personal Information</b>
</p>
<p>
Upon
request we will provide you with information about whether we hold
any of your personal information.
If you wish to request access, or
deletion of your personal information please contact us at unusubscribcfmp@seememail.net
</p>
<p>We
will respond to your request within a reasonable timeframe.</p>
<p>
<b>Application of this Privacy Policy </b>
</p>
<p>
This
Privacy Policy applies to consumers that have signed up on the
website.
We may sell the personal information that you supply to us
and we may work with other third party businesses to bring selected
retail opportunities to our members via direct mail, email and
telemarketing.
These businesses may include providers of direct
marketing services and applications, including lookup and reference,
data enhancement, suppression and validation and email marketing </p>
<p>
How
We Protect Your Privacy </p>
<p>
The
security of your personal information is important to us.
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.</p>
<p>
If
you have any questions about security on our Web site, you can mail
us at the address indicated below in the Contact Us section.
</p>
<p>
<b>Opting-Out</b>
</p>
<p>
If
you want to request to be removed from further communication with
this Site, including our Premium Services, please Opt-out by clicking
on this link to our Opt-out procedure.
We will place your e-mail
address on a suppression file associated with this Site.
Persons
whose names appear on our suppression file, will have their e-mail
addresses checked against all correspondence to be sent by us.
Where
there is a match, the planned email correspondence will be withheld,
and such person will receive no further email correspondence from us.
Your e-mail address will be placed on the suppression list associated
with this Site within ten business (10) days of your request.
Once
you have opted out, we will no longer forward you email from this
site but we are not responsible or in control of the business
practices of our business affiliates who have been forwarded your
information.
</p>
<p>
<b>Notification of Changes to Privacy Policy </b>
</p>
<p>
We
may update this Privacy Policy at any time by posting a new privacy
policy on the Site.
Be sure to check the current terms of any privacy
policy in effect by visiting this Site.
By checking the effective
date of the policy, you will be immediately alerted on whether the
Privacy Policy has been updated.
Please note however, that the
updated privacy policy will go into effect automatically 30 days
after initial posting.
From time to time, we may use your information
for new, unanticipated uses not previously disclosed in our Privacy
Policy.
Please note that if our information practices change at some
time in the future, we will use only data collected from the time of
the new privacy policy amendment forward for those new purposes.
If
we make material changes to this policy, we will notify you here, by
email, or by means of a notice on our home page.
 .
</p>
<p>
<b>Special Notification for California Residents </b>
</p>
<p>
If
you are a California resident, California law may provide you with
additional rights concerning our collection and use of your personal
information.
After reading this Online Privacy Policy, please click
here to visit
FHA Mortgage Place’s
California Privacy Notice to learn more about your California Privacy
Rights.</p>
<p>
DISCLOSURES </p>
<p>
When
inquiring about a loan on this site, this is not a loan application.
This is not an offer to lend and we are not affiliated with your
current mortgage servicer.
Upon the completion of your inquiry, we
will work hard to match you with a lender or lenders who may assist
you with an official loan application and provide loan product
eligibility requirements for your individual situation.
</p>
<p>
When
applying for a loan, lenders will commonly require you to provide a
valid social security number and submit to a credit check.
Consumers
who do not have the minimum acceptable credit required by the lender
are unlikely to be approved.
Minimum credit ratings may vary
according to lender and loan product.
In the event that you do not
qualify for a credit rating based on the required minimum credit
rating, a lender may or may not introduce you to a credit counseling
service or credit improvement company who may or may not be able to
assist you with improving your credit for a fee.
Any loan product
that a lender may offer you will carry fees or costs including
closing costs, origination points, and/or refinancing fees.
In many
instances, fees or costs can amount to several thousand dollars and
can be due upon the origination of the loan product.
</p>
<p>
This
site is in no way affiliated with any news source or government
organization and is not a government agency.
Not affiliated with HUD,
FHA, VA, FNMA or GNMA.
This site may contain affiliate and partner
links.
This website and the company that owns it is not responsible
for any typographical or photographic errors.
If you do not agree to
our terms and policies, then please leave this site immediately.
If
you submit your mobile number on this website you agree to receive
marketing based text messages.
Consent is not required for purchase.
You will receive up to 4 messages per month.
Standard text and data
rates may apply.
Reply STOP to stop &.
HELP for help.
</p>
<p>
Contents
of this website are copyrighted property of the owner of this
website.
All trademarks, logos, and service marks (collectively the
"Trademarks") displayed are registered and/or unregistered
Trademarks of their respective owners.
</p>
<p>
In
the event that you discovered this website through an advertisement,
such advertisement may consist of stock photos, images, video or
other publicly available resources.
Any spokesperson used is an
employee of the advertiser that owns and operates this website and is
not a paid spokesperson or influencer.
</p>
<p>
©
2023 FHA Mortgage Place is not a government agency or a lender.
Not
affiliated with HUD, FHA, VA, FNMA or GNMA.
We work hard to match you
with local lenders for the mortgage you inquire about.
This is not an
offer to lend and we are not affiliated with your current mortgage
servicer.
</p>
<p>
Contact
Us </p>
<p>
If
you have any questions or suggestions regarding our privacy policy,
please contact us at: <br>
<br>ATTN: FHA Mortgage Place <br>
1550 W Horizon Ridge Pkwy R Suite #R 610<br>
Henderson, NV 89012<br>
</p>
<p>
<b>Please
print and retain a copy of this privacy policy for your records.</b>
</p>
<p>
<br>
<br>
</p>