Best Home Alarms

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Yes it is Possible to Live Off the Grid

November 13, 2009

Can you Live Off the Grid?

Living off the grid should become our motto in today’s world. With the high rate of consumption of available non-renewable energy, it becomes more important for us to find out a cost effective as well as purposeful alternative energy which will never be depleted. The sun is one such source of energy and since we follow life from the sun then why not the power to spring our homes?

Solar energy is evenly available and that too in huge wealth. Consequently we can very well harness solar energy and bestow it for running our houses at the least. Furthermore, this energy will not cause decay and therefore everyone starting from the environmentalists to us, the conventional people, will be joyous. We live off the grid and the environment continues safe at the same time.

All the same, most people think that appliances like AC and fridges do not and cannot run on the puny power of the sun that we will be mobilizing. Many are of the opinion that if you can strip your necessities down to the bare minimum then only you can use solar energy effectively. This is distorted but you have to have to want to live off the grid to make it mistaken.

The magic of renewable sources of energy like the wind or the water or the sun is that no matter what develops these will always stay till the earth departs. Still you can always produce electricity from these sources in one way or the other. Waterfalls and windmills harness the power of water and the wind to produce electricity so do not think that you can not live off the grid, nature is more powerful that we think. Essentially the energy is stored in batteries and at night these batteries provide the necessary amount of electricity enforced.

The best part about solar energy is that amid the day, you are storing the energy and directly using the sun’s power. At night when the sun is not at hand you use these batteries which have safeguarded the power. This means that you have a double utilization of the energy, which is effective and at the same time, cheap.

Living off the grid can be done; you just have to know how you want to do it and how you will apply your solar power. Furthermore, be careful about the storage and providion of your power batteries because they are your electricity. Use them efficiently and make sure that you do not demand more than you can be supplied with.

So, use solar power and get rid of those provoking electricity bills. Independence of energy is a big step but you may know which alternative energy source will suit you according to your geographical locationFreedom of energy is a big thing but you should know which alternative power source will benefit you according to your geographical district. So exercise the power of energy efficiently and be gratified of living off the grid.

You can learn more about how to become an independent energy producer at Solar Power Lights visit us now!

Start taking positive steps today fronting your economy and planet and you will be flabbergasted just how things can be bettered and developed.

A. Arvizu

Understanding your household insurance

October 2, 2009

We plan and save to purchase a new home. It is one of the major purchases we make in our lifetime and we will spend many years to come doing the upkeep, gardening, repairs, and purchasing new items to fill our home with as well as paying that monthly mortgage payment. So it makes sense for us to invest in a good insurance policy that will protect our investments.

House insurance protects your home in the event of certain types of losses, such as fire, windstorms, or theft. A Homeowners insurance policy will also include coverage for your personal belongings up to a percentage of the amount you insure your home for; however, some items may not be covered, this is when home warranty comes in (visit First American and get more information) . Most people’s homes are the focus of their lives, and should a loss of this type occur, a Homeowners insurance policy will provide the money they need to either replace the items they have loss or repair the damage done to their home.

Home insurance is the protection of the property itself. This means that the physical structure of the property and any surrounding areas. If you have the one, you have invested heavily, and then it has sufficient insurance cover to protect the property rights of such assets. Imagine whether you repay the loan or just to spend two years after taking out a large sum to buy it to lose your home, suddenly find that you pay for housing is no longer habitable. If this situation were not covered by insurance would be unthinkable, which is why home insurance is so important to you and your family.

Homeowners and Renters Alike Beware! Assume that you have spent time, effort and money to surround you and your family with comfortable, prized possessions that make your home warm and inviting. Many of these items that make you comfortable and that define your style and preferences also have economic value. Suppose now that you return home one day, only to find that someone has broken into your home and stolen or vandalized your possessions. Aside from the obvious distress and violation you would feel personally from this heinous act, your prized possessions are now destroyed or stolen, requiring you to replace at least some of them. What happens if some of the possessions that are lost are particularly expensive to replace? There is a solution that could benefit any homeowner interested in being able to replace items of particular importance or expense if and when needed, which is called “contents insurance.” Contents insurance, as the name implies, is an insurance policy that is purchased to protect items in your home from theft, damage or vandalism. Some policies are available that include limited protection for items of value located outside of the home environment as well. When considering the purchase of a contents insurance policy, it is important to purchase a policy with adequate replacement value for your important possessions. This means that it will be important for you to inventory your items and their value, and to work with an insurance agent to ensure the best selection of policy to meet your particular replacement needs. In some cases, separate items of particular value should be listed separately within the policy purchased to ensure adequate coverage levels, which is why it is important to consult with your insurance agent to ensure you have adequate coverage for all your possessions of interest and have all of your questions answered.

Many of us are not aware of the fact that Household insurance also is equally important. Your Home and possessions are very costly and you can get full cover if you make use of the insurance for full coverage as in the case of damage to your surroundings or injury.

Home Insurance: Get Several Estimates At Once.

September 29, 2009

If you want to find the cheapest home insurance, you’ll need to spend a small amount of time getting estimates. Fortunately, you can now go online and make this process easy. Here are some tips.

Maybe you’re looking for the type of low home insurance that won’t break your budget, but you’re not sure if that exists. Just consider this: Home owner insurance rates are different between companies for a variety of reasons.

So you really need to get quotes from a variety of insurers to find the best rate for your situation. In fact, this could lower your home owner insurance costs by hundreds. Three or more quotes from competing companies are needed to get a good picture. This can be pretty easy, thanks to the Internet.

First, get home insurance at an insurance comparison Web site. Comparison sites usually do not represent one company. Instead, you complete one online form and receive quotes back from several companies or independent insurance agents, all competing for your business.

You may enjoy the added convenience of a site like this because you only have one form to complete. This is also important as it allows you to get an accurate comparison because you’ve supplied the same information about coverage amounts and deductibles.

Your current home owner policy declarations page can provide this information. You can also estimate the coverage amount for your dwelling by multiplying the square footage of your home by the cost-per-square-foot it would take to rebuild your home with similar materials at today’s prices. If you’re not sure, see if a local realtor or home construction association has this information for your area. You probably shouldn’t use the cost you paid for the home, as that may include the land value which isn’t part of home insurance.

As far as personal possessions, this is usually calculated as a percentage of the dwelling coverage. This is often enough, but you may want to increase this amount or get additional riders for special high-ticket items like jewelry or electronic equipment.

Finally, when getting a home insurance online quote, keep in mind that your deductible amount can affect your premium. For instance, designating a $1,000 deductible can result in a lower premium than a $500 deductible.

Buying apartment Insurance Guide – Things You need to know

September 28, 2009

Many folks discover too late that they’re not adequately covered by condominium association’s policy.  There are a couple of things that each individual who purchases a condo will have to be aware of, that will assist her or him in buying condo insurance.  Most condo associations purchase sufficient insurance to cover the building, but there are substantial gaps in personal cover and unit cover that need to be addressed by each individual.  The trick about purchasing condo insurance is to be entirely aware.  Ensure that you completely read though the apartment organisation insurance policy.  If feasible, get hold of a copy of the policy so that you may talk to a professional should the need arise. 

Condo Insurance necessities

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The first thing to recollect is that the condo organisation policy only covers the buildings structure, common areas and where specified, certain common furnishings like carpeting and ornamental furnishings.  It is important when first buying a apartment to enquire with the association about the sort of insurance that covers the building and what aspects of the insurance cover any personal injury or property elimination or loss.  This indicates that any personal injury within the condo unit or damage to property due to any reason may not be covered. 

basically these are a few categorical areas of insurance that you’ll need to look into.  One of these is personal possession and title insurance.  This insurance will cover you in case of forgery by the previous owner if any and any mistakes made in the property documentation when recording the sale to you.  Ensuring that you are covered in case there’s a challenge to your complete and absolute possession to the condo is important. 

Personal Property and guilt

Your policy should cover the entire cost of all the property contained in the apartment.  You should make an appraisal of all the furniture and personal possessions contained in the condo and have these documented and listed with the insurer.  This will make sure that should there be any damage to your personal possessions like your furniture, you are adequately covered to replace these. 

Insurance in due to water due to the water application is something else you should be mindful of.  Water is run through piping that will cause damage in your apartment unit.  This could require serious damage repair that may not be covered by the organisation policy.  Besides this, you must also be aware of broad responsibility that may accumulate to you if the building needs repairs and the common fund has insufficient funds.  Ensure that you buy coverage in the event of such an eventuality. 

If you have costly items or collectables stored at home, you will definitely need floater coverage to insure these.  Getting floater coverage will insure your dear items against damage and theft amongst other situations. 

ultimately, many condo association insurance programs do not cover unit damage caused due to quakes or natural calamities.  This is something you will need to be aware of and learn about from your apartment association.

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Need To Know Tips On Condominium Insurance Policies

September 27, 2009

Condominium associations and boards are typically required to insure the building and premises.  At most times, to keep the cover as small as possible, a number of further benefits that can accumulate to individual unit members may not be added in the cover.  Before purchasing a condo, it’s critically critical to discover what sort of insurance the condo board has taken so all necessary private insurance can be bought by you at the time when you take possession.  If needed, get hold of a copy of the condo association’s insurance policy that covers the building and check with an insurance expert. 

The first and perhaps the most vital insurance you’ll need is title insurance.  This is insurance to cover against any false documentation that will have been employed by the previous owner when selling to you, resulting in forgery.  Getting this insurance also guarantees that the documentation process is completely vetted by the insurance firm and there are no openings that may cause title dispute at a later stage. 

Moving on, it is crucial that you have all your belongings and possessions accessed and get personal possession coverage for your units.  This insurance guarantees that you are going to be in a position to replace your effects in the event of any eventuality.  Once your personal belongings are covered, you have larger assurance that you’re going to be ready to continue with life in case of a fire or even internal flooding.  You must also notice that some insurance firms will issue a policy discount if there’s round the clock security or even a doorman in attendance 20 four hours a day.

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injury should also be covered for when you’re within the condo and most insurance firms will take personal injury into account when formulating an insurance cover.  You must note there that in some cases, the condo organisation would have taken cover for personal injury to people while in common areas of the property.  However, you may need to take separate personal injury insurance that covers not only your own home by injury to oneself at any place. 

If you own very expensive or precious items like antiques or paintings, you want to get floating cover for these so that you are compensated in case these are damaged or thieved.  Most personal possession cover won’t mechanically cover these unless you particularly mention and list these. 

You need to also insure against guilt, for example damage caused to the building for which you can require to pay for in case the organisation does not have sufficient funds to cover for the damage.  In such situations, it is best to have sufficient responsibility cover to guarantee that you aren’t hard pressed for funds. 

Most agents cover specific areas and will be familiar with the sort of cover that’s required for any particular building.  Many insurance companies will also give a discount for buying condo unit coverage from them, if they are already covering the building through a master policy.

 

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How to Protect Your Personal Property – Best Renters Insurance

September 27, 2009

How To Buy Homeowners Insurance

Homeowner’s insurance provides coverage for damage to your home from a number of perils or hazards, including such things as fire, water damage from broken pipes, damage from a tree falling or wind damage. But it also can provide coverage for loss or damage of personal property such as furniture, electronic devices and even your clothes.

A third aspect of homeowner’s insurance is personal liability coverage. This simply means if someone is injured on your property and you are held legally liable for the injury, the insurance company provides coverage to pay the amount of the judgment. Or it might be a case of you damaging property belonging to your neighbors; your homeowner’s policy would cover that as well.

Liability coverage is vitally important to protecting your assets and providing peace of mind. Judgments in the hundreds of thousands of dollars are not uncommon for personal injuries. Without insurance, you would have to liquidate your assets and/or assign a portion of your wages to cover the amount of the judgment. This could be a financial nightmare that goes on for years.

Some of these places include:

The National Association of Insurance Commissioners – The NAIC has a website at – naic.org where you can select your state and be redirected to your state’s Department of Insurance website. Your state’s website will have a lot of information about any insurance providers operating in your state. The information will include things like a list of licensed agents and any complaints that may have been filed against the company.

It is also responsible for the damages or accidents that could happen to other people’s properties and themselves if these take place in your area. If you are being sued for an accident, then the best renters insurance will help you with the coast of the legal fees. Sometimes, they will even cover the entire amount. You wouldn’t have to pay anything.

Circumstances change and you need to review your homeowner’s policy at least annually to make certain you continue to be adequately covered. During times when home values are going up, you may need to adjust your coverage to make sure it still covers the cost to rebuild your home at today’s prices. You may find that you have acquired significant personal property since you moved in to your home. You may want to increase the amount of that coverage as well.

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Many Different Home Alarm Systems: Which Is The Best?

September 22, 2009

There are a number of different kinds of home alarm systems. Some alarm systems may work so that motion from the inside of the home sets of an alarm. Another type of alarm system may set off the alarm when a window is broken or door is opened.

But one thing is sure – no matter what kind of alarm system that you have, it is important to know how it works and what it is and isn’t doing once you set the alarm.

One of the nice things about an alarm system is that if it is being monitored by a monitoring company, it will have a backup system in place. This backup system will allow the home alarm system to work should the phone lines ever be cut or if the power goes out.

Remember, home alarm systems don’t just come with one fee – there is usually a setup fee and then a monthly monitoring fee as well. The monthly fees should be in the $25 – $35 range depending on who you use – but it is usually pretty reasonable.

Another popular item with people is a keychain remote alarm system enabler – where you can arm and disarm your home alarm system with the push of a button. Usually the keychain remote is a little more, but many people report that it is well worth it to get one.

While no home alarm system is perfect, the important thing is that you know what you know and you don’t have.

What Is A False Alarm?

September 10, 2009

Once you have your home alarm system installed and up and running, chances are at some point you will accidentally have a “false alarm”.

What is a false alarm?

A false alarm is any kind of alarm that has been set off and caused by human mistake or an equiptment failure of some kind that results in either fire department or police department response and no evidence of damage or a crime being committed.

The most common human errors that cause false alarms for homes include:

  • Use of incorrect keypad codes.
  • Failure to train other authorized users (sitters, relatives, children, visitors, maintenance personnel).
  • Failure to secure doors and windows before turning on the alarm.

The most common equipment problems that cause false alarms include:

  • Improper application or installation of interior motion detectors (sensors are set too sensitive).
  • Improper application or installation of outdoor beams.
  • Improper charging or checking of batteries.
  • Faulty equipment (panels, detectors, keypads).

By paying attention to what you are doing, you can minimize your chances of having a false alarm. By going with a reputable company who has good equipment and knows how to install it, you can also decrease your overall risk of having a false alarm.

Because everyone knows that having a false alarm is no fun for anyone.

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    LIMITATION OF LIABILITY AND DAMAGES

    IN NO EVENT WILL WE, OUR PARENTS, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE SERVICES OR SERVICES CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE SERVICES OR THE SERVICES CONTENT. YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

    NO WARRANTY

    Except as expressly set forth herein, we are not responsible for any incorrect or inaccurate information or entry of information, whether caused by a user of our Services or by any of the equipment or programming associated with or utilized in connection with our Services or any Services provided on or through our site, or by any technical or human error which may occur in the processing of information received by us. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with our Services. We are not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at our Services or combination thereof, including injury or damage to participants or to any other person’s computer related to or resulting from use of our Services or Services Content.

    THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES INCLUDING ANY LOAN YOU MAY CHOOSE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.

    WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES AND ANY LOAN YOU ACCEPT. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT OF OUR SERVICES MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER, BROKER, INVESTOR, FINANCIAL INSTITUTION OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH PERSONS OR INSTITUTION AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, SERVICES OR LOANS PROVIDED BY SUCH SERVICE PROVIDERS.

    RELEASE

    YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE THE COMPANY AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.

    Indemnification

    You agree to indemnify and hold The Company , its subsidiaries, affiliates, agents, shareholders, officers contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of this Service, the violation of this Agreement by you, or the infringement by you, or other user of this site/service using your computer, of any intellectual property or other right of any person or entity.

    The Company and its Service providers assume no responsibility of any kind for such content or actions. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

    Termination

    If you breach or violate any part of this Agreement or provisions in the Privacy Policy you may no longer use this Service. The Company may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, this Service or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. You agree that all terminations for cause shall be made in The Company’s sole discretion and shall not be liable to you or any third party for any termination.

    Entire Agreement

    This Agreement constitutes the entire terms of use agreement between you and The Company and governs your use of this Service which supersedes any prior agreements between you and The Company . You also may be subject to additional terms and conditions that may apply when you use other services, affiliate services, third party content or third party software.

    Revised 1/22/2021

     

    Privacy Policy

    GRANTHOOD POLICY

    Date last revised: January 22, 2021

    PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.

    Please note that we are not a mortgage lender, home services contractor, debt service company, debt settlement company, real estate company, insurance agent, auto sales company or automotive warranty organization. This site and the services offered is not, and is not intended to be, any type of application for any financial/insurance product or service.

    This Privacy Policy discloses the privacy practices of Grant Hood Marketing, its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “the Company”) and governs the collection, sharing and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).

    Types of Information We Collect

    Personal information: This is information that can be used to identify you. Most of this information is provided by you on this site to fulfill your request. The information may include your name, address, telephone number(s), mobile numbers and email address, employment status or self-employment or other unique information about you which you provide to us on this site, or through the course of communicating with us about the products and services provided on this site.

    Behavioral information: This is information which is automatically collected when you use the site. It includes the areas of the site that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited.  If we can identify you through this information, it is Personal Information.

    Demographic information: This is information that refers to selected population characteristics. Such as zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information.

    Third party information: This is information about you that we may collect from a third party which could include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. Since these are third party cookies, we have no access or control over these cookies and other tracking technology used or owned by third party advertisers and networks. Because we do not have ownership or control over this technology and it is governed by third party policies, we have no responsibility or liability for those parties or their policies and practices.

    Web technology information:  This may be personal or non-personal information and collected by us or third parties under contract with us. We use two third party services:  ActiveProspect’s TrustedForm Script is used to independently document users’ consent to be contacted. The TrustedForm Script is embedded on this website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user’s computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user’s browser. For more information about ActiveProspect’s data use and collection policies and practices, please review the ActiveProspect Privacy Policy, located at ActiveProspect.  Similarly, we utilize Jornaya’s LeadiD script which is embedded on this website and also collects information such as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks and  tracks users’ movements around the site (including the capture of visual snapshots of the user’s activity on the site).  To review Jornaya’s data use and collection policies and practices, please visit: Jornaya.  The information collected from this technology is combined with other aggregate data to issue a unique identifier for that site visit.

    We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties.

    How We Use and Share Information

    The information collected on this site is used and shared for the following purposes:

    1. We will share your information with multiple businesses who offer the product/service that you have inquired about. We will share your information with third parties who help us in the delivery of the products and services you have requested. You understand and agree that when you submit an inquiry for these services, you explicitly authorize us to share your information with third parties so that they may contact you by email, SMS, telephone and/or direct mail.
    2. We share your personal information with third parties who will provide you with their opportunities, products or services. This includes your interests and preferences, so they may determine whether you might be interested in their products or services. You agree to receive autodialed or prerecorded calls, texts and emails from us and any affiliates or third parties to the phone numbers (including mobile numbers) and email addresses you provide on this site. Your consent is not a condition, directly or indirectly of any type of purchase. The information you provided on this site will be shared and purchased by these businesses in order to provide such services. As a result, we provided your personal and non personal information to these businesses so they may contact you. This will allow for you to compare different services/products and providers prior to purchasing such services/products.
    3. We also share your personal information with companies and individuals we employ to perform web technology or mechanical functions on our behalf, such as third parties who host our website, verify submissions, analyze our data, provide marketing assistance, process credit card payments, and provide customer service. Your actions on the inquiry pages will be recorded and captured by third party services such as ActiveProspect and Jornaya. These records are stored and retrieved for legal purposes in providing proof of proper consumer consents and internal audits to ensure proper consumer disclosures were provided when required under applicable Federal and State laws and regulations.

    CrossDevice Advertising and Tracking: We may collect and use and share the above data with a third party for cross-device advertising purposes. This allows consumers to experience a personalized, informative marketing that delivers specific product interests over multiple devices. This information may be used for analytics, and reporting purposes.

    Push Notifications: We may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. You may optout of push notifications or alerts. through your browser settings.

    1. We may share aggregated anonymous information about you, which may be combined with other persons using our website with third parties, so that we and our service providers understand the diversity of visitors and their activity/use of our website.
    2. We will disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to stay legally compliant or prevent a crime; and we will share your information if we sell our company or merge with another company.
    3. We will share your information in order to process Opt-Out requests with affiliated partners and/or third parties in order to process and monitor these requests.
    4. We may disclose your information to improve, manage and protect our information technology infrastructure and security. We may also disclose your information for any other purpose with your consent and may share non-personal at any time for any purpose.
    5. We may disclose your information in an insolvency proceeding, whether voluntary or involuntary, as our role of liquidator, administrator, receiver or administrative receiver we may sell, license or otherwise dispose of such information in an event approved by the court.

    Technology We Utilize

    The use of technologies such as cookies, web beacons and java script may be implemented by us and third parties. These will be placed and used as tracking technologies by us, third parties and advertisers.

    These technologies and some that are similar collect web technology information about you such as:  internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or mouse and clickstream data. We may receive reports based on these technologies on an individual or aggregated basis for analysis purposes.

    1. Cookies. Cookies are small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer. Cookies allows us to identify files on your computer and record your preferences and other data about your visit to our website so that when you return to the website we are able to identify you and can personalize repeat visits. When cookies settings are disabled or changed you may experience site or service features that do not function properly. You may control these permissions by modifying your browser preferences to reject all cookies.
      Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through this site. We do not control the practices of those third parties and we are not responsible for their technology or tracking. It is important to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. which connects the activity on this site with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To optout of this tracking, please see here.
      Social Media Cookies. This site may include social media features. These features may collect your IP address, the web properties you engage with, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our web properties. Your interactions with these features are governed by the privacy policy of the company providing it.
    2. We utilize Google Analytics Advertising. This includes: Remarketing with Google Analytics; Google Display Network Impression Reporting; DoubleClick Campaign Manager integration; Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see here.
    3. We use Google Analytics services which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service here.
    4. Web Beacons. We use electronic images known as Web Beacons (ie, single-pixel gifs, clear gifs or action tags) this allows the collection of information about your visit to this site to measure and improve the effectiveness of any marketing and track delivery of marketing and other communication methods. Web Beacons collect only a limited set of information like a cookie number, time and date the page was viewed, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages. This allows us to determine if you opened or engaged with the email messages. Web Beacons may be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
    5. JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of web properties, particularly with respect to pictures. We or third parties also use it to track, record and analyze user interactions, provide proof of legal compliance, and improve our site’s functions. You may deactivate JavaScript through your browser settings or activate it the same way.

    Unsubscribe, Opt Out or Revoke

    1. To opt-out of receiving SMS or email communications from us, please follow the instructions in our SMS or emails to unsubscribe from our email list. You may also reach us via email at: [email protected]
    2. To opt-out of communications from third parties, please follow the instructions to opt- out in those entities’ communications.
    3. To revoke consent at any time for any use of personal information you may have provided, please reach us via email at: [email protected] with “revoke Personal Information” referenced in the message.

    Data collected is purchased and/ or transferred to network in real-time. Should you choose to unsubscribe, opt-out or revoke consent, your data may have already been sent to our network. We cannot revoke your information from a third party if it has already been sent. When required, we will notify third parties that we have shared your information of your request. We will remove your personal information (as permitted by law) from our systems and further communication from us will cease. If any third parties contact you, please follow the instructions to opt-out in those entities’ specific communications.

    Third Party Information

    We have relationships with other companies that we allow to place ads on our site to market offers that you may be interested in. When you visit our site, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or click here.

    Third parties may provide certain features on this site or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here.

    This site and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services available on these third party websites. The inclusion of a link on our site does not imply any endorsement of the services, products or website, or its sponsoring organization.

    “Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals.

    If you wish to limit the collection of information by us or third party partners to provide you with marketing based upon your website browsing activities and interests, you may click here to opt out.

    To opt out of targeted advertising on your mobile device, iOS users can click here to learn how to limit ad tracking and Android users can click here to learn how to opt out of interest-based ads.

    Please note that opting out of interest-based/targeted advertising will not limit all advertising.

    Privacy Policies of Third Parties

    This Privacy Policy only addresses the Services offered by us. Other websites or services, for example, those websites we provide links to, or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, all have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.

    We are not responsible for the policies or practices of third parties.

    Storage and Security

    1. We utilize acceptable commercial security measures to protect against the loss, misuse and alteration of your information under our control. Even with commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be a hundred percent secure. We cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk.
    2. We will retain personal information, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
    3. Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our websites, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
    4. We contractually require that third parties handle your personal information similar to our practices. Although we do have agreements in place for third party activities, we cannot monitor such practices and cannot be responsible for third party security or handling of personal information. Please do not communicate any information to us or any third party through unsecured channels.

    Your Information- Request/Edit

    1. Users may edit/change profile settings, if applicable. If information is removed from a profile, copies of that information may remain accessible elsewhere if it has been shared with others or it was copied or stored by other users.
    2. We may be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
    3. For questions regarding your personal information that we have collected or to correct factual inaccuracies within this information please email us at: [email protected]

    Minors and Privacy Statement

    No part of the Services is designed to attract anyone under the age of 18. Children under the age of 18 may not use the Services.

    Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of 13 to use our service. However, if you become aware of the existence of a user who is under the age of 13, or that an individual under 13 has provided their information to us, contact us immediately with details by emailing us at: [email protected]

    If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.

    CALIFORNIA RESIDENTS- California Privacy Rights

    The California Consumer Protection Act has granted specific rights and remedies. For your California Privacy Rights and Remedies please click here

    Revisions to this Privacy Policy

    We may change this Privacy Policy at any time. Upon any revisions, we will change the updated date at the top of this page accordingly. Any revised Privacy Policy will be effective immediately when posted on the Services We suggest users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.

    Contact

    For questions or comments regarding this policy, or to report any abuse of personal information collected under this Privacy Policy, email us at: [email protected]

     

    Reallygood Rating System

    The rating system used features a score of one-to-five stars based on the following measures. Each category can be rated at one and a quarter full stars based on each Company's offerings, for a total of a five star rating.

    • Loan Products Offered: This is based on the different types of programs a Company is able to provide consumers. A Company who is able to offer conventional, FHA, VA loans and/or fixed program terms, variable terms, no-cost or low-cost loans, little or no down payment loans will likely score higher than a company who may not offer a variety of loan product types.
    • Loan Process Experience: Companies who offer online services such as: online applications, rate quotes or pre-approvals provide a very convenient experience in which consumers can complete this entire process without any appointments and a reduction in paperwork. Further, companies who offer additional resources to consumers such as, informative articles regarding the product, FAQ's, checklists of required documents, details of the entire loan process and costs involved with the process are items that consumers find helpful.
    • Qualification Requirements: Companies that allow for few qualifying criteria or non-conventional qualifying criteria are able to offer products to consumers that they wouldn't otherwise qualify for. Some of these alternative qualifications could include, but are not limited to: Non-traditional credit history, flexibility with a minimum credit score and flexibility with debt and income qualifying factors.
    • Company Reputation: Reviews from various websites are also used to score the Company. These resources provide information regarding a Company such as licensure details, any regulatory actions taken and past client reviews. Resources we use to review this information are: Better Business Bureau, Nationwide Mortgage Licensing System, TrustPilot and/or TrustSpot.