policy was last updated on October 11, 2005
has created this privacy statement in order to demonstrate our
strong commitment to privacy. ExplainingMortgages.com is deeply
committed to respecting and protecting your right to privacy and
takes your privacy seriously. ExplainingMortgages.com has very
strict privacy policies and we strive to keep your personal and
financial information secure. To that end, we have prepared this
and dissemination practices for this website.
of your Personal Information
can visit most pages on our site without giving us any information
about yourself. But sometimes we do need information to provide
collection and use in those situations. Please read the complete
information that we collect when you are on our site, and when
you use our services.
We pledge to hold all information you provide to us in absolute
We will NEVER sell or rent your name or personal information to
any third party without your express permission.
Only authorized members of staff and participating mortgage loan
brokers/lenders expressing interest in your project basing on
your loan specification/comment/question may access your information.
All members of staff are required to adhere to our strict privacy
to termination and other disciplinary measures, up to being criminally
prosecuted for their violation.
of Your Personal Information
you decide to subscribe to our newsletters or other services,
you may receive a short series of orientation emails from ExplainingMortgages.com.
From time to time, subscribers may receive notification of new
services, changes to policies or price adjustments. We will not
send you other email at the address you provide, except for infrequent
communications to resolve issues that may arise with your own
ExplainingMortgages.com account. More routine announcements are
made in the ExplainingMortgages.com Newsletter, rather than via
become a subscriber. This means you don't have to re-enter these
items each time you visit our site. You can always delete this
cookie from your computer.
we may use session variables to aid in the development of various
features on the site. These session variables disappear after
20 minutes or when the user exits a browser. Thus, this information
is not stored for any reason other than as indicated.
user's contact information is also used to send a newsletter if
you are a member or subscribe to the newsletter. Special offers
are sometimes sent to subscribers as well on behalf of third parties.
But these third parties do not have access to your information
since we alone send out the emails. However, all recipients of
the newsletter may opt-out of receiving future newsletters or
offers when so desired, and are given opportunity to opt-out of
these emails at any time - at the bottom of each newsletter or
by using the Contact Form link on the bottom navigation bars on
may also use personal information in a manner that does not identify
you specifically nor allow you to be contacted but does identify
certain criteria about our users in general. For example, we may
inform third parties about the number of registered users, number
of unique visitors, and the pages most frequently browsed.
from these uses of user information - and we have no knowledge
of this information except at an anonymous level - we do not sell,
nor plan to sell any user information to anyone.
of Children's Personal Information
is a general audience site and does not knowingly collect any
personal information from children. While our website may be viewed
by children, we do not wish to receive data from children. ExplainingMortgages.com
encourages parents and guardians to spend time online with their
children and to participate in the interactive activities offered
on the sites their children visit. No information should be submitted
to, or posted at, the ExplainingMortgages.com web site by visitors
under 18 years of age without the consent of their parent or guardian.
to Third Party Sites
website contains links to other web sites that are not controlled
by ExplainingMortgages.com, ("Third Party Sites"). Please
be aware that we are not responsible for the privacy practices
of such other sites. We encourage our users to be aware when they
leave our site and to read the privacy statements of each and
every website that collects personally identifiable information.
collected by this website.
also revise the "last updated" date at the top of the
will notify our users by placing prominent notice on the site.
REASON YOU BELIEVE THAT YOUR PRIVACY HAS BEEN BREACHED THROUGH
THE USE OF OUR SITE, YOU MAY CONTACT US IMMEDIATELY BY E-MAIL,
AND WE WILL DO OUR BEST TO PROMPTLY DETERMINE AND CORRECT THE
Notification for California Residents
customers who reside in California and have provided their personal
information may request information regarding disclosures of this
information to third parties for direct marketing purposes. Such
requests must be submitted to us at the following mailing address:
CA Privacy Request, ATTN: GDM/Loan Savings Solutions, 16192 Coastal Highway, Lewes, DE 19958
This request may be made no more than once per calendar year.
We reserve our right not to respond to requests submitted other
than to the address specified in this paragraph.