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California Privacy Policy
Your California Privacy Rights
California has passed legislation requiring certain specific disclosures be made available to California residents who use the Internet and provide information that may be used for marketing purposes. That legislation requires any business that discloses a customer's personal information (as defined by the act) to any third party for direct marketing purposes to provide the customer a method for obtaining the names, addresses and certain other specified details of anyone who might have received that personal information. If you are a California resident you may request this information from California Mortgage Rate or any of its affiliates by writing to California Mortgage Rate, 1117 Ocean Ave, San Francisco, CA 94112 Attn: California Privacy Rights or by sending an e-mail to privacy@californiamortgagerate.com. California Mortgage Rate is not obligated to respond to more than one such request from you per calendar year.
Company Practices Regarding Your Privacy
We at California Mortgage Rate and our affiliated companies worldwide are committed to respecting your online privacy and recognize your need for appropriate protection and management of any information you share with us by using our web sites. California Mortgage Rate has established the following Online Privacy Policy so that you can understand the care with which we intend to treat your information. This policy describes the overall privacy practices of California Mortgage Rate regarding information we collect on our network of web sites and through our other Internet advertising mediums, including but not limited to email, newsletters, and leave-behinds. This policy does not apply to the practices of companies that California Mortgage Rate does not own or control, or to people that California Mortgage Rate does not employ.
Information Collected by California Mortgage Rate
Non-Personally Identifiable Consumer Information
California Mortgage Rate collects various types of information from you to better meet your needs and to provide you with a more relevant user experience. Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. The type of information your browser or Internet session may automatically provide us with can include the browser you are using, your Internet domain, the operating system on your computer, your IP address and the URL you saw just before coming to the California Mortgage Rate site, the pages of the site you visited and the URL of the page you visited upon leaving the site. California Mortgage Rate may also contract with reputable third-party advertising companies to serve ads on our behalf. These companies may also use cookies or other measures to collect your non-personally identifiable information.
Personally Identifiable Consumer Information
In addition, at some of the California Mortgage Rate web sites, we collect information that you may choose to provide to us when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include name, address, and email address. If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.
How Collected Information is Used
The non-personally identifiable information that California Mortgage Rate collects is used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements, and to help determine which ads perform best and which content is most appropriate for different individuals. If you elect to provide California Mortgage Rate with personally identifiable information, we may utilize such information for marketing purposes, and this use may result in follow-up communications from California Mortgage Rate and from our clients. In addition, that information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other California Mortgage Rate sales and marketing efforts.
Sharing Information with Third Parties
All personally identifiable information you provide is maintained in confidence by California Mortgage Rate. There are instances, however, in which your personally identifiable and non-personally identifiable information is shared with third parties, as described below. Your non-personally identifiable data may be shared with third-party partners of California Mortgage Rate on an anonymous basis. When you request information from California Mortgage Rate or one or more of our clients, we may transfer that information within California Mortgage Rate or route your information to our client(s), across borders and from your country or jurisdiction to other countries or jurisdictions around the world, so that they may provide the information on their product or service that you requested. We may also disclose information to an affiliate or third party who provides substantially similar services as the original service about which you requested more information. In such situations, we will provide you with an opportunity to opt-out of such sharing. Please be aware that California Mortgage Rate is very careful in selecting companies with whom it does business. In addition to the above situations where your information may be shared with others, there is also the possibility that California Mortgage Rate, or part(s) of the company, may one day be purchased by, or merged with, another company. In the event of such transaction, the acquiring (or merging) company will have access to all collected personally identifiable information. Finally, California Mortgage Rate may share your information as necessary to comply with a court order or to cooperate with government and law enforcement officials.
Security
Wherever your personally identifiable information may be held within California Mortgage Rate or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while California Mortgage Rate will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.
Choice
Non-Personally Identifiable Consumer Information - Use of Cookies & Opting-Out
Some of our web sites utilize cookies to collect information about your website activities and to recall the personal information you previously shared with us. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting California Mortgage Rate web sites. Personally Identifiable Consumer Information - Opting-Out You may choose whether or not to provide personally identifiable information to California Mortgage Rate. If you choose to provide such information to California Mortgage Rate, you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our newsletters, surveys or promotional communications via email, you may opt-out without charge by writing to privacy@californiamortgagerate.com. To have your personal information completely removed from our databases without charge, simply contact us at privacy@californiamortgagerate.com and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.
Access/Accuracy
To the extent that you do provide us with personally identifiable information, California Mortgage Rate wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Web, our goal is to provide a means of contacting California Mortgage Rate should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to privacy@californiamortgagerate.com and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.
Children's Privacy
In compliance with the Children's Online Privacy Protection Act (COPPA), californiamortgagerate.com is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 13 years of age
Refer a Friend
Some of California Mortgage Rate's web sites offer you the opportunity to easily notify a friend of the offer or information promoted on the site. If you choose to use our referral service to tell a friend about a California Mortgage Rate site, we will ask you for your friend's personally identifiable information, including name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. California Mortgage Rate stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.
Your friend may contact us at privacy@californiamortgagerate.com to request that we remove this information from our database. Our one-time email to your friend will inform him or her of this fact.
Commitment
Protecting your privacy online is an evolving area, and California Mortgage Rate's web sites are constantly changing to meet these demands. If you have any comments or questions regarding our Online Privacy Policy, please contact us at privacy@californiamortgagerate.com. While we cannot guarantee privacy perfection, we will address any issue to the best of our abilities as soon as practicable after you bring it to our attention.
Your Consent
By using this web site, you consent to the terms of our Online Privacy Policy and to California Mortgage Rate's processing of personally identifiable information for the purposes given above. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy.
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