OUR SECURITY & PRIVACY PLEDGE
At LoanChatLive, we have dedicated ourselves to
revolutionizing the home loan process and helping
individuals use their home financing options as a tool
to manage their financial lives. In that effort, we
respect and protect the privacy of those who visit or
use our web site. When we collect information from you,
we want you to know how it is used. To demonstrate our
commitment to fair information practices, we have
adopted leading industry privacy guidelines.
LoanChatLive does not share your
personal information with outside companies for their
promotional use.
Because of the financial nature of
our business, our web sites are not designed to appeal
to children under the age of 13. Therefore, we don't
knowingly attempt to solicit or receive any information
from children.
OUR PHILOSOPHY AND PRACTICES
At LoanChatLive, we want you to be
comfortable and confident when using our web site.
Therefore, we would like to share with you the following
principles that govern our information practices and
other privacy aspects of our web site:
We provide you notice of our web site
information practices.
We tell you how and why we use Web
technologies.
We work to protect personally identifiable
information from loss, misuse, or unauthorized
alteration.
We provide various ways for you to contact
us about our information practices and other aspects of
privacy.
To maximize the value of our
services, we may request information from you when you
visit our web sites. LoanChatLive does not share your
personal information with outside companies for their
promotional use.
Here is a description of the
information we collect and how it is used:
Protecting Your Identity and
Credit
Credit reporting agencies may
share your information with other companies when you
apply for a home loan. This may cause you to receive
email or phone calls that you didn't ask for,
offering credit cards, refinancing or other loan
products.
You can stop these calls and
emails by opting out of these prescreened credit
offers. Simply call (888) 567-8688 or visit
www.optoutprescreen.org.
Tools, Applications and Registration:
We provide a number of ways for you to explore your
options for mortgages and loans, so you can determine
which options may be the most desirable for you. You can
engage a number of tools, planners, calculators and
other interactive advisors, such as the online
interviews, without providing us your identity. We will
not ask you for personally identifiable information to
use these features, and do not attribute the information
that you provide to you as an individual.
Newsletters: We provide you the
opportunity to subscribe to e-mail newsletters and other
e-mail communications. You may unsubscribe by following
the instructions provided in each e-mail newsletter.
Interactive Help (Chat / PC to Phone):
You may initiate an online interactive discussion or PC
to Phone communication with a LoanChatLive support
professional to facilitate conversation about your loan
questions or the completion of a loan application. We do
not ask for any personally identifiable information to
use this service; if you volunteer personally
identifiable information, it will only be used to
respond to your request. We maintain transcripts of chat
sessions so that we may better serve you.
Within the LoanChatLive Family: Within
the LoanChatLive family, which includes our title
company, Title Source, Inc., we may exchange customer
information to fulfill your requests or to provide you
with information about other products or services, if
you have chosen to receive such communications.
Service Providers:
In some cases, we will employ or use service
providers such as title companies, appraisers,
consultants, temporary workers, third party software
developers, to complete a business process or provide a
service on our behalf. For example, we may use service
providers to enhance our Web site technology, deliver
products, or to send e-mails. When we employ service
providers, we may need to share your personally
identifiable information. Service providers are strictly
prohibited from using your personally identifiable
information for purposes other than to act on our
behalf.
Service Alerts and Critical Notices:
Although we respect and honor the privacy preferences
you have expressed, we may need to contact you to inform
you of specific changes that may impact your ability to
use this service or for other critical non-marketing
purposes, such as bug alerts. We may also contact you to
respond to your specific requests, to clarify the order
information you provided to us, or to notify you of
upcoming subscription expiration dates.
Change of Control:
Your personally identifiable information may be
transferred in connection with a sale, merger, transfer,
exchange or other disposition (whether of assets, stock
or otherwise) of all or a portion of a business of
LoanChatLive. You will have the opportunity to opt out
of further secondary use of your information following
any change of control.
Changes to Our Privacy Policy: If we
plan to make significant changes to any of our privacy
policies or practices with respect to how we use
personally identifiable information, we'll post those
changes to the LoanChatLive web site 30 days before they
take effect.
Legal Disclosures:
In some cases we may disclose certain information to
comply with a legal process, such as a court order,
subpoena, search warrant, or law enforcement request.
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We employ industry recognized
security safeguards to help protect the personally
identifiable information that you have provided to us
from loss, misuse, or unauthorized alteration. All data
sent to LoanChatLive is protected with technology that
enables encryption of your data. We use:
Secure Socket Layer (SSL): The
LoanChatLive Web server supports the Secure Socket Layer
(SSL) transaction protocol originally developed by
Netscape and now largely accepted as an industry
standard. The purpose of this encryption protocol is to
keep confidential the information passed back and forth
between a Web server and its users.
128-Bit Domestic Grade Strong Encryption:
LoanChatLive uses 128-Bit Domestic Grade Strong
Encryption, the most powerful encryption commercially
available for Internet products. (However, be aware that
if you are using a 40-bit browser, your encryption
level, while secure, is not the highest level available.
United States and Canadian citizens can download free
128-bit browsers from
Mozilla,
Netscape or
Microsoft)
We work to protect personally
identifiable information stored on the site's servers
from unauthorized access using industry standard
computer security products, such as firewalls, as well
as carefully developed security procedures and
practices. All employees must review and sign a written
statement of these practices which include limiting
access to sensitive information to only those employees
who require the information and enforcing strict
password protocols for all employees. In addition, a
username, member ID name and password are required for
you to use, view or change application or interview
information. We use both internal and external resources
to review the adequacy of our security measures on a
regular basis.
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Cookies: A “cookie” is a small piece of
information that our web site may provide to your
browser while you are at our sites. The LoanChatLive web
site supplies your browser with cookies that contain a
unique identifier used to better understand web site
usage in the aggregate and on an individual level so we
know what areas of our site users prefer (e.g., based on
the number of visits to those areas). This is done
through a tracking utility that allows us, for example,
to reconstruct activity from a session or by a user, for
troubleshooting and issue resolution purposes.
LoanChatLive may also employ service providers to help
us collect and understand our web site usage data.
When periodic surveys are presented
to web site visitors, cookies are used to prevent
issuing multiple invitations to the same individual.
If you are a registered member on the
LoanChatLive web site, you will receive a cookie when
you login. This cookie is maintained by your browser and
contains your identifier. This cookie is also used to
authenticate your identity and provide you with access
to areas of our web site that are limited to registered
members, such as those that allow you to view and manage
your personal profile.
Additionally, LoanChatLive service
providers that serve ads on affiliate and/or advertiser
web sites may assign different cookies and small
graphical images called single-pixel GIFs or web
beacons, to your browser to track the effectiveness of
LoanChatLive advertising on other web sites and your
involvement with LoanChatLive. For example, as part of
the LoanChatLive affiliate programs, our service
providers use cookies and web beacons to determine when
affiliate program members have referred a customer to
LoanChatLive via a link on their web site. The
LoanChatLive web site also sets a temporary cookie that
contains a unique, anonymous identifier that is provided
to the service provider to ensure that each referral is
only counted once. This cookie is not linked to a
customer's personal information. The cookies and web
beacons are necessary to ensure that affiliate program
members are appropriately credited for their referrals.
Service providers report data in the aggregate and do
not link it to individual customer information.
LoanChatLive may also employ service providers who may
assign cookies or web beacons to your browser to assist
us in collecting web site usage data such as your IP
address, session ID, URL and demographic information
such as your zip code. The collection of data may
include personally identifiable information. We do not
track URLs that you type into your browser, nor do we
track you across the Internet once you leave our site.
If you simply want to browse, you do
not have to accept cookies from our site. Should you
decide, however, that you would like to register and
sign in to special areas of the web site and you have
modified your browser settings not to accept cookies,
you will need to re-set your browser to accept the
cookies that we send. Otherwise, you won't be able to
participate in certain areas of the web site. Most
browsers are defaulted to accept and maintain cookies.
If you wish to remove cookies
provided by LoanChatLive, from your browser, you may
learn how to do so by
clicking here. Since most browsers are defaulted to
accept and maintain cookies, you will most likely have
to set your browser to reject new cookies or to disable
them altogether, in order to avoid receiving future
cookies from the LoanChatLive web site. Please note that
if you choose to reject or disable cookies, your access
to certain areas within the LoanChatLive web site may be
limited.
Web Site Usage Data:
Our web site tracks usage data, including, for
example, your IP address, your browser type and version,
which pages you view, which page, if any, linked you to
our site, and which link, if any, you follow off of our
site. We use this data in the aggregate and on an
individual level to better understand web site activity
to improve our site offerings, to reconstruct activity
from a session or by a user, for troubleshooting and
issue resolution purposes. We may also use this data to
provide you a more personalized web site experience,
assistance with technical support questions, and to send
you special offers, product and service updates, or
other promotional materials that are relevant and
tailored to your interests. If you do not want to
receive these offers or promotions, simply indicate your
contact preferences during the registration process,
within any future communications or by sending an e-mail
to
optout@LoanChatLive.com. We do not share your
information with outside companies for their promotional
use. We do not track URLs that you type into your
browser, nor do we track you across the Internet once
you leave our site.
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We give you the opportunity to
control the use of your personal information for
purposes other than to fulfill your request or as is
required to process, close and subsequently service your
loan. For example, on occasion we may use your contact
information to send you promotional communications about
LoanChatLive products. If you do not wish to receive
such communications, you may specify your contact
preferences during the information collection process or
send an e-mail to
optout@LoanChatLive.com.
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Questions regarding the LoanChatLive
web site's privacy statement, our online privacy policy,
our information practices or other aspects of privacy on
our web sites, should be directed to us by e-mail to
support@loanchatlive.com or by writing to us at
LoanChatLive, Inc, Attn: Client Relations, 3131 Camino
Del Rio N., San Diego, CA 92108.
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