America Funding Loans, LLC (collectively “America Funding”
) will treat personal data that you provide through use of http://goamericafunding.com/
, including all content, information, graphics, documents, text, products, services, and all other elements and products and/or services offered through this website, and other related websites owned and/or operated by America Funding (collectively the “Website”
INFORMATION WE COLLECT
We collect information to provide better services to users of our Website and services. The information collected when you visit the Website, register, and/or interact with the Website and/or services. Personal data identifies an individual by, for example, name, address, telephone number, e-mail address, billing information, use information regarding your use of our Website, and browser information, or other nonpublic personal information (NPI) which can be reasonable linked to you (“Personal Information”
). We may collect the following types of Personal Information:
Information we receive from you on applications, surveys, online registrations, or other forms (such as your name, address, social security number, assets, income, and debt);
Information about your transactions with us or others (such as account balance, transaction history, or information about our communications with you);
Information about your creditworthiness, credit history, and other facts about you that we obtain from consumer reporting agencies or from providers of marketing and demographic information;
Information from other outside sources regarding their employment, credit, or other relationship with you or verifying representations made by you, such as your employment history, loan balances or your property insurance coverage;
Information you provide directly or through one of our brokers, dealers, and/or loan officers or an affiliate company, non-affiliated companies, and/or organizations regarding your financial information;
Information received from social networks, public domains, federal and local databases, and other publically available information; and/or
if you send us e-mail or request information, your name, email address, and any other personal data you supply in your e-mail message.
We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your personal information changes, or if you no longer wish to use our Websites, you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us at: firstname.lastname@example.org. We will make good faith efforts to address the requested changes in our then active databases as soon as reasonably practicable.
HOW WE USE THE DATA WE COLLECT
We use the Personal Information collected to process your transactions and maintain your accounts. We may also use your Personal Information to market goods and services that may benefit you.
Third Parties (Disclosures Permitted or Required by Law).
We maintain physical, electronic and procedural safeguards designed to protect personal information. We also employ encryption technologies and user authentication procedures that are designed to keep your data secure. We limit access to personal information to authorized personnel and contractors who need access to perform their job and are contractually required to keep your information secure.
As we develop our business, we may sell or buy businesses or assets, or be involved in mergers or other corporate reorganization. In transactions such as these, your Personal Information may be one of the transferred business assets.
If you prefer that we do not market to you using Personal Information about you, you may opt out, that is, you may direct us not to share this information, by calling us toll-free at (800) 313-3008 or by filing out and returning the form in this Consumer Privacy Notice
Third Party Providers.
Our Website may contain links to content owned and/or operated by third-party vendors and/or suppliers (“Third-Party Providers”). These Third-Party Providers may drop cookies and/or use web beacons on your device(s), which may be used to identify your preferences or to recognize if you have previously had contact with these third parties, and otherwise, collect information about you and/or your online activities across different websites and over time through your use of the Website. Please note that any information collected through Third-Party Providers is collected directly by these third parties for use (in part) by such third parties, subject to their own privacy practices and policies. We do not control these Third-Party Providers, their content, or their information collection practices and are not responsible for their privacy policies or practices. Please direct all concerns regarding any Third-Party Provider website to that website’s administrator or webmaster.
Information We Receive From Your Use of Our Website and/or Services.
We collect certain non-personally-identifying information when you use our Website and/or services, including: (1) information about your interaction with the Website and/or services, including the actions you take on the Website and/or services and your interaction with other users, Third-Party Providers and other third parties; and (2) technical and device information, such as unique device identifiers, wireless service provider or mobile carrier, operating system information, IP address, browser type, language preference, and referring site, and location information.
We may also collect more detailed information about your visit to the Website, including the full Uniform Resource Locators (“URL”) clickstream to, through and from our Website (including date and time); products you viewed or searched for; page response times; download errors; length of visits to certain pages; videos watched; page interaction information (such as scrolling, clicks, and mouse-overs); and methods used to browse away from the page; and any phone number or email address used to contact customer support.
We collect this non-personally-identifying information in order to better understand how visitors use the Website and services and, where possible, to improve their experience. For instance, we log the time it takes to run database queries so that we can improve performance. In some cases, we may publicly display information that is not personally identifying in the aggregate, (e.g., by publishing a report on trends in the usage of our Website and/or services) or may provide the aggregate data to third parties.
Information we receive from other sources.
If you create a personal account with us, based on your personal preferences we may periodically contact you via e-mail to provide information about special offers and promotions that may be of interest to you, when available. These communications will relate to select, reputable third parties with whom we have a strategic marketing relationship. We may use a third party e-mail service provider to send e-mails. This service provider is prohibited from using your e-mail address for any purpose other than to send America Funding related e-mail. If you do not wish to receive e-mails with updates and information please unsubscribe by sending email to our technical support services: email@example.com. In addition, every time you receive an e-mail you will be provided the choice to Opt-out of future e-mails by following the instructions provided in the e-mail.
Upon request, we will provide you with reasonable access to the Personal Information we collect about you. Because Personal Information, such as your email address is required to use the Website and/or services, we retain Personal Information as long as your account is active. You will have the opportunity to correct, update, modify or delete this information updating your Personal Information on the Website and/or services. Please note that some information may remain in our records even after you request deletion of your Personal Information. Additionally, there may be limits to the amount of information we can practically provide. For example, we may limit an individual’s access to Personal Information where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where doing so would violate others’ rights.
COOKIES AND WEB BEACONS
Our Website uses “cookie” and “web beacon” technology. “Cookies” are short pieces of data generated by a web server or mobile application that a service stores on a user’s device. Our Website may require the use of a cookie for purposes of keeping information you enter on multiple pages together. Cookies also enable us to customize our Website and offerings to your needs and provide you with a better online experience with us. In addition, cookies are used to:
measure usage of various pages on our Website to help us make our information; more pertinent to your needs and easy for you to access; and
provide functionality such as online orders, our Website and other functionality that we believe would be of interest and value to you.
The types of cookies that we use are referred to as “session” cookies and “persistent” cookies. Session cookies are temporary and are automatically deleted once you stop using the Website. Persistent cookies remain on your hard drive of your device until you delete them. Cookies do not, under ordinary circumstances, corrupt or damage your device, programs, or files.
In addition, the service providers we use to serve and host our advertisements, and/or deliver our e-mails use session and persistent cookies, to track the number of times the Website is accessed and whether the Website was accessed from an advertisement. There are no cookies in the advertisements or e-mails. A cookie is placed on your device only if and when you click on an advertisement or open the e-mail. The cookie generated from the advertisement or e-mail does not contain any personally identifiable information and will remain on your hard drive until you delete it.
Beacons are used in combination with cookies to help website and mobile applications’ operators understand how visitors interact with their online services. A beacon is typically a transparent graphic image (usually 1 pixel x 1 pixel). In contrast to cookies, which are stored on a user’s hard drive, beacons are embedded invisibly on online pages and are about the size of the period at the end of this sentence. These beacons are not tied to Personal Information. The use of beacons allows the application to measure the actions of the visitor using the application that contains the beacon. It makes it easier to follow and record the activities of a recognized browser, such as the path of visited pages and/or applications. We use the information provided by beacons to develop a better understanding of how our users use the Website, and to facilitate those users’ interactions with the Website. We may make the aggregate data obtained from analytics (including from our third party analytics providers, if applicable) publicly available. If this data is made available, none of the information will be Personal Information or potentially-personally identifying information.
This Website is not intended for visitors under 18 years of age. We do not knowingly solicit or collect personal data from or about people under 18 years of age, nor do we knowingly market our products or services to people under 18 years of age.
Updates and Upgrades.
The Website may be updated or upgraded from time to time to provide additional features, address technical issues, and generally make your user experience better. Some Website features include an auto-update feature, which gives us the ability to make updates automatically. You can change auto-update options by changing your settings within the Website and your account information. In very limited cases, updates may still be automatically applied, regardless of the auto-update setting. For example, we may provide an automatic update that prevents or fixes a security vulnerability or breach to your network.
Do Not Call Policy.
This notice is the America Funding Loans, LLC Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. America Funding Loans, LLC associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from America Funding Loans, LLC will be placed on the America Funding Loans, LLC Do Not Call list and will not be called in any future campaigns, including those of America Funding Loans, LLC affiliates. If you communicate with us by telephone, we may monitor or record the call.
Loan inquiries and applications will be referred to a Loan Officer who is licensed in the property state. Equal Housing Lender. America Funding is located at 901 N. Pitt St., Suite 320, Alexandria, Virginia. America Funding Loans, LLC, NMLS ID # 1538770, (www.nmlsconsumeraccess.org
) is a Virginia limited liability company operating with the following licenses: District of Columbia Mortgage Dual Authority License # MLB1538770; Florida Mortgage Broker License # MBR2145. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your loan lock-in, commitment or closing. All loans must satisfy company underwriting guidelines, interest rates and APRs are based on recent market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other variables. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under any other applicable law. Call for details. Our loan officers are dedicated to helping you with your home financing needs.
America Funding Loans, LLC is an Equal Housing Lender and licensed mortgage broker. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other applicable federal and state regulations. All applicants applying for credit from America Funding will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit: http://www.ftc.gov/bcp/conline
Copyright © 2016 America Funding Loans, LLC. All rights reserved. This Website, products, services, and documentation are the copyrighted property of America Funding Loans, LLC and/or its licensors and protected by copyright laws and international intellectual property treaties. America Funding Loans, LLC and related logo, and all related products, services, and documentation, and Website names, design marks and slogans are the trademarks and/or registered trademarks of America Funding Loans, LLC. All other products, services, and documentation, and Website marks contained herein are the trademarks of their respective owners. Any use of the America Funding Loans, LLC or third party trademarks or logos without the prior written consent of America Funding Loans, LLC or the applicable trademark owner is strictly prohibited.