Browsing the Site
If you browse through the Site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our website from another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the Site.
We collect the email addresses of consumers who communicate with us or through our authorized vendors via email. We also collect information provided to us by consumers in property search and loan or refinance requests submitted through our site or our authorized vendors' sites ("Loan Request or Property Request Information"). Property Request Information typically includes name, address, phone number, email address, and geographic location of future purchase transaction. Loan Request Information typically includes name, address, and phone numbers, email address, household income, estimated credit rating, and loan specific information including but not limited to estimated property value, desired loan amount, downpayment, and whether the applicant is working with a real estate agent. In addition, consumers who express a desire to apply for a loan provide us with and authorize us or our affiliate websites to obtain from third parties necessary financial information such as credit reports ("Finance Information"). We do not provide financing, but instead transmit those requests to third-party vendors for consideration. All information provided by consumers in any of the above-listed ways or otherwise becomes the property of Golden America Marketing LLC once received by us and may be used and disclosed as permitted in this Policy.
Loan Request or Property Request Information is used to transmit financing and property search requests to third parties who may be in a position to respond to your request. Consumers who submit Loan Request or Property Request Information expressly authorize up to four (4) third party lenders and Real Estate Professionals to contact them by phone or email in connection with their loan or refinancing request regardless of whether or not such consumer is listed on a "Do Not Call" list.
As part of the request process, we may verify the information you provide, or obtain omitted address or other contact information from third parties. Loan Request or Property Request Information transmitted to a lender, Real Estate Professional, or other fulfillment entity becomes the property of that lender of fulfillment entity, in addition to us. The information is used to process your financing application.
We also share your personal information with our affiliated companies in order to identify products or services in which you may have interest, to improve our user experience and generally to engage in market research and for other internal business purposes. We may also aggregate your personal information with others' information and prepare reports on site usage, purchase history or other factors for sale or distribution to others. Those reports are aggregated and include no personally identifying information. Finally, we may use your personal information to send you email or postal communications regarding products or services offered by us or by third parties with whom we have relationships in which we think you may be interested. We do not share, sell, trade or rent your personal information to third parties for unknown reasons.
You may at any time choose not to receive promotional emails from us by contacting us at firstname.lastname@example.org. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to this Site, as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.
If you prefer for us not to provide your name and email or postal address to third parties for direct marketing purposes, please contact us at email@example.com.
Updating or deleting your information
You may update or delete your information at any time prior to submitting your completed loan request. Once your loan form is completed and submitted, you will not be able to change any of the information. Additionally, please be advised that once you have submitted your loan request and the information has been received by the lenders/brokers, this information is no longer under our control. Due to federal & state regulations, we are required to keep a copy of your information for a period of 3 years. Over this period we will maintain all such data in a confidential and secure area that third parties will not be allowed to access.
This site has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control.
Third Party Advertising
We use third-party advertising companies to serve ads when you visit our website. These companies use non-personally identifiable information regarding your visit to this website and other sites, such as the user IP address, pages viewed, date and time of your visit, and number of times you have viewed an ad (but not your name, address, or other personal information), to serve ads to you on this site and other sites that may be of interest to you. In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique cookie on your browser.
In addition, we use clear GIFs or pixel tags to help manage our online advertising. These clear GIFs enable our ad serving company to recognize a browser's cookie when a browser visits this site. This allows us to learn which banner ads bring users to our website. The information we collect and share through this technology is not personally identifiable.
To learn more about these practices and your choices about not having this information used by these companies please click here.
Contacting the Web Site
Octobe 29, 2010