Sonoro AU3001WH Eklipse Audio System (White)

Prior to using our Services, Grant Hood Marketing (collectively “we”, “us”, “our”, or “the Company “) please review this Terms of Use Agreement (“Agreement”). This Agreement outlines the terms of use applicable to this Service.

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION, WAIVER OF JURY TRIAL AND CLASS ACTION.  PLEASE REVIEW THESE PROVISIONS. By accessing, browsing or using this site/services, through any direct or indirect means or by using the goods, facilities or services offered in, or through this site/services through alternative methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by this Agreement and our Privacy Policy then in effect (the terms "Service" and "Services" include use through these alternative methods).  If you do not agree to these terms, do not submit your contact information on this site.

Services

This site and Services are not intended for use of any individual under 18 years of age. You certify to the Company that:

1. You are at least 18 years of age.
2. You assume full responsibility for the use of this site/service by any minors.
3. That the information you have submitted to us on this site or otherwise, is accurate, complete and that you have not submitted or provided false information to us.
4. Your use of this Service is subject to all applicable federal, state, and local laws and regulations.

This Service is intended for United States residents only. This Service provides internet marketing and information for the benefit of Third Parties only. Marketing and information on home goods products and services are provided for consumer review and allows consumers to request additional information through a webform inquiry. We are not a home services contractor, mortgage lender, debt service or debt settlement company, real estate company, insurance agent, auto sales company or automotive warranty organization.  This is not, or intended to be an application for any type of insurance or financial product.

You understand and agree that if you submit an inquiry on this site:

1. Your information will be shared and/or purchased by companies who provide such goods and services related to the service or product you have expressed interest in. As a result, different types of businesses may be provided your information and may contact you.  This will allow you to compare products and services prior to making a purchase.
2. You agree to share your information with these businesses and allow them and us to contact you through automated means; e.g. autodialing, text and pre-recorded messaging, via telephone, mobile device (including SMS and MMS) and/or email. You give permission to be contacted even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. You understand and agree that your consent is not a condition, directly or indirectly of a purchase. Data and message rates may apply. We do not charge you a fee to use this Service.
3. You understand that we do not endorse, warrant, or guarantee the products or services of businesses who may contact you.  Any requirements or qualifications for a certain product or service are made by the companies offering those products or services.
4. Licensed organizations are subject to Federal and State laws and regulations for their practices. Please review the privacy practices of all third parties who contact you. If you have any questions regarding their practices, please contact them directly.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER- READ THIS SECTION CAREFULLY.

This arbitration provision limits your and the Company's ability to litigate claims in court and you and the Company each agree to waive your respective rights to a jury trial or a state or federal judge. You agree that you will not file any lawsuit against us in any state or federal court.

BY ACCESSING AND/OR USING ANY SERVICES OF THE COMPANY YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE THE COMPANY'S SERVICES OR SUBMIT ANY CONTACT INFORMATION IF YOU DO NOT AGREE TO THESE TERMS.

You and we each agree that any and all disputes or claims that have arisen or may arise between you and us relating in any way to or arising out of this or previous versions of this Agreement, your use of or access to our Services, or any Product sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that if your claims are under $1,000.00 you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this "Agreement to Arbitrate").

Arbitration Procedures

Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would.

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.

The arbitration will be conducted by JAMS under its rules and procedures pertaining to Consumer-Related Disputes, as modified by this Agreement to Arbitrate. The arbitration shall be held in a mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Delaware, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by JAMS rules, unless otherwise stated in this Agreement to Arbitrate. You may obtain these costs through JAMS website.

Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND US AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OUR OTHER USERS.

Severability

With the exception of "Prohibition of Class and Representative Actions and Non-Individualized Relief", if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in this Agreement is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and any disputes sections will continue to apply and that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in the County of Arapahoe, state of Colorado.

Changes to the Agreement to Arbitrate

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by this arbitration provision that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 3 days before the effective date of the changes and/or by email. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

Prohibited Use

You shall not use this Service for any illegal purpose, including, but not limited to:

1. The transmission of any material that is:

1. unlawful, harmful, harassing, abusive, libelous, racially or ethnically offensive, invasive of another's privacy, vulgar, threatening, obscene, sexually explicit, tortious, defamatory,
2. or that infringes or may infringe on the intellectual property or rights of another, or in a reasonable person’s view objectionable; directly or indirectly interfere,
3. or attempt to interfere with the proper working of this site/service or system integrities or securities; interference of any account,
4. or any communication or transaction being conducted on this Service;
5. use of any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission;
6. or take any action which imposes an unreasonable or disproportionately large load on our infrastructure;
7. or post, upload, transmit, submit, email or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute;
8. or conduct fraud, represent yourself as someone else or hide or attempt to hide your identity; and/or
9. interfere or attempt to interfere with the proper working of this Service.

Changes to Site, Terms and Policies

We reserve the right to change any information, features or functions of our Services without prior notice.

1. We may deny you access to the Services for any reason without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate.
2. We are not responsible for any errors or delays in providing the Services whether caused by errors in the registration information you provided by any technical problems in our system.
3. We reserve the right to make changes to this Agreement and the posted Privacy Policy. Any changes made will be effective from the date of such posting without further notice to you. As such, the Privacy Policy and Terms of Service posted at the time you register on our Services will govern our relationship for that registration and referral request.

Electronic Communications

When you visit our site, use our Services or send email to us, you are communicating with us electronically and you:

1. Consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by email or by posting notices on our Services.
2. Agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Anti-Spam Policy

We do everything we can to avoid Spam, including all commercially reasonable measures.  If you have received unwanted email communications from us, please let us know as soon as possible so we can remove your information from all marketing efforts.  You may email us HERE and let us know about the communications you received.

Copyright and Trademark Notice Information

Our Services may contain intellectual property owned by us and other parties. Under these terms and the relationship between users and us, we are the sole owner of the Services and all materials on or available through our Services including without limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively “Services Content”).

Except as otherwise specifically provided in this Agreement:

1. You may not download or save a copy of the Services Content or any portion thereof, for any purpose; however, you may print a copy of individual screens appearing as part of the Services Content solely for your personal, non-commercial use or records, provided that our marks, logos or other legends that appear on the copied screens remain on, and are not removed from the printed or stored images of such screens.

Except as otherwise expressly permitted herein, you may not:

1. Modify, copy, publish, display, transmit, adapt or in any way exploit any portion of our Services content unless you first obtain prior written consent from us -- and from all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify our Services, Services Content, to defeat or circumvent our security features, or to utilize our Services for other than its intended purposes is strictly prohibited.

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

 

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].

 

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.