LoanAgents.com > Looking to Purchase

PURPOSE OF THIS PRIVACY NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the state of California generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed, In compliance with the GLBA and California law, we are providing you with this document, which notifies you of the privacy policies and practices of LoanAgents.com.

OUR PRIVACY POLICIES AND PRACTICES

Information we collect:

Categories of Information Collected and Sources From Which We collect It

We collect nonpublic personal information about you from the following sources:

Information that you provide us on applications and other forms.

Information about you from verifications authorized by you.

Information we receive from credit reporting agencies or other consumer reporting agencies.

Information we receive from Title Insurance companies we contact to underwrite your loan.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

Person From Whom Information Is Collected

We may collect nonpublic personal information from individuals other than those proposed for loan consideration.

Information we may disclose to third parties:

We do not disclose information about you to third parties whose only use of the information is to market a product or service. However, in the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission, as permitted by law, to the following types of institutions for the reasons described below:

To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.

To a Title Company, insurance institution, agent or credit reporting agency in order to detect or prevent criminal activity, fraud or misrepresentation in connection with a loan transaction.

To a Title Company, insurance institution, agent or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with a loan transaction involving you.

Your right to access and amend your personal information:

You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information that is in our possession.

Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard your nonpublic personal information.

Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, LoanAgents.com, and its affiliates (if any), reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residency, and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice, product or service; (2) agrees to be Loanagent's successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligation of this privacy statement.

Security

Regarding Cookies

To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our Web Page Server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on Web sites and do not harm your system.

We use cookies in places where you need to register, such as Internet banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized.

Our cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you configure your web browser so that "cookies" are turned off, our website will not be able to process your transaction. If this happens, please turn your cookies back on and log onto our site again.

Encryption

Your password as well as all information relating to your accounts and your enrollment are scrambled using some of the strongest forms of encryption commercially available for use over the World Wide Web.

We are a GeoTrust Secure Site. You may click on the image below to confirm this is true.

How does encryption work?

Everything that travels through the Internet during your online user session - from your password to your instructions to your social security number- becomes a string of unrecognizable numbers before entering the Internet. Both Loanagent's computers and the browser you use to surf the Web understand the mathematical formulas, called algorithms, that turn you web site session into numeric code and back again into meaningful information.

These algorithms serve as locks on the doors of your account information. And while LoanAgents.com and your computer can easily translate this code back to meaningful language, this process would be a daunting, almost impossible task for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula - but only one that will work. Every time you begin an online user session, your computer and Loanagent's systems agree on a random number that serves as the key for the rest of the conversation. What that random number is depends largely on the strength of encryption used by your browser.

LoanAgents.com ensures that all LoanAgents.com user sessions via the Internet are encrypted. If for any reason your secure session ends, your user session terminates. For maximum protection, LoanAgents.com encourages you to use browsers offering 128-bit encryption. This is also known as high or strong encryption. It means there are 2128 possible keys that could fit into the lock that holds your account information. In other words, a hacker attempting to get to your account information would need to use a computer with exponentially more processing power than for 40-bit or 56-bit encryption, which is standard banking practices, to find the correct key.

Note: Currently, browsers that offer 128-bit encryption can only be used by citizens and permanent residents of the United States and citizens of Canada, and can only be downloaded to locations in the United States or Canada.

All browsers provide detailed information on security levels. See your browser's help or documentation for more information.

How do I know if my user session is encrypted?

You can determine if encryption is being used on a given Web page by looking for the following icons in the lower portion of your browser:

Browser Secure Not Secure

Netscape Navigator or Communicator 4.0 or later Microsoft Internet Explorer (any version) No Icon

Netscape Navigator displays the icon in the lower left corner of the browser. In addition, Netscape Communicator displays the icon in the navigation toolbar. Microsoft Internet Explorer displays the icon in the lower right corner of the browser.

Neither Netscape Communicator nor Microsoft Internet Explorer display any icon that distinguishes between 40-bit or 56-bit and 128-bit encryption. But if you use Netscape Communicator 4.5 or later, you can click on the icon displayed to determine what level of encryption is being used for a particular Web page. IE5 will display the encryption level in a pop-up window when you place your cursor on the encryption icon in the lower right corner of the browser.

If you use WebTV, you need to press the info button on the keyboard (or, if using the remote control, select the options button and then select info). If a "Security Details" button displays on the screen, the page is secure. Select this button for more information about security.

If you do not have a secure version of either Microsoft Internet Explorer or Netscape Navigator, you can download them from this page.

Download Internet Explorer or Download Netscape Navigator