PreApp (“Company”) respects the privacy of its users whether they use the preapp1003.com website and Services
Use of Website Restricted to United States Residents
The Website is hosted on servers located in the United States of America and is intended for use by United States residents. You may not use this service if you are not a United States resident.
The Website is not intended for children under 13 years of age. Company does not knowingly collect personal information from children under 13.
Gathering, Use and Disclosure of Non-Personally-Identifying Information Users of the Website Generally
“Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly associated with a specific person.
“Personally-Identifying Information,” by contrast, is information such as a name or email address that, without more, can be directly associated with a specific person.
Like most website operators, Company gathers from users of the Website Non-Personally-Identifying Information of the sort that Web browsers, depending on their settings, may make available. That information includes the user’s Internet Protocol (“IP”) address, operating system and browser type, and the locations of the Web pages the user views right before arriving at, while navigating and immediately after leaving the Website.
Company analyzes Non-Personally-Identifying Information gathered from users of the Website to help Company better understand how the Website is being used. By identifying patterns and trends in usage, Company is able to better design the Website to improve users’ experiences, both in terms of content and ease of use. From time to time, Company may also release the Non-Personally-Identifying Information gathered from Website users in the aggregate, such as by publishing a report on trends in the usage of the Website. All such Non-Personally-Identifying Information including any copyrights in such data are the sole property of Company.
Web Cookies A “Web Cookie” is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the site. Company uses Web Cookies to track the pages that users visit during each Website session, both to help Company improve users’ experiences and to help Company understand how the Website is being used.
As with other Non-Personally-Identifying Information gathered from users of the Website, Company analyzes and discloses in aggregated form information gathered using Web Cookies, so as to help Company, its suppliers, contractors, sales procurement providers, and others better understand how the Website is being used. Company does not attempt to link information gathered using Web Cookies to Personally-Identifying Information.
COMPANY USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE WEB COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE
UNDERSTANDING THAT CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF WEB COOKIES. WEBSITE USERS WHO REFUSE WEB COOKIES ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.
A “Web Beacon” is an object that is embedded in a web page that is usually invisible to the user and allows website operators to check whether a user has viewed a particular web page. Company may use Web Beacons on the Website to count users who have visited particular pages and to deliver co-branded services. Web Beacons are not used to access users’ PersonallyIdentifying Information; they are a technique Company may use to compile aggregated statistics about Website usage. Web Beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the Web Beacon resides.
You may not decline Web Beacons, however, they can be rendered ineffective by declining all cookies or modifying your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. Third parties are not permitted to use Web Beacons on the Website.
Collection, Use and Disclosure of Personally-Identifying Information
Registered Subscribers Issued a Confidential User Name & Password, End Users Submitting Information in Connection With a Request From A Registered Subscriber,
As defined above, Personally-Identifying Information is information that can be directly associated with a specific person. Company collects a range of Personally-Identifying Information from and about Website users in the following ways:
- in connection with visiting the Website or communicating through the Website,
- in connection with becoming a Registered Subscriber (for example a residential mortgage loan officer or other type of loan originator),
- in connection with becoming an End User (for example, a person who receives a message, including a text message, initiated by the Registered User through the Website for the purposes of the End User consenting and providing mortgage pre-qualification information).
Much of the Personally-Identifying Information collected by Company about Registered Subscribers is information provided by the Registered Subscribers themselves at the time they sign up to become a Registered Subscriber. Much of the PersonallyIdentifying Information collected by Company about End Users is information provided by the End User or obtained by the Registered Subscriber after first obtaining the consent of the End User. Much of the Personally-Identifying Information collected by Company about Visitors is information provided to communicate with the Company, or to post or comment is some publicly-available portion of the Website, including testimonials or comments.
For example, depending upon the type of interaction with the Website: A Registered Subscriber, in the course of becoming a Registered Subscriber, will be asked to provide his or her name, physical address, email address, cell phone number, MSISDN, credit card information, billing information, download history, licensure information (for example mortgage industry related licensure information and license numbers), and user-generated information relating to interests and demographics). An End User in the course of providing mortgage pre-qualification, pre-application, or application information will be asked to provide consent to obtain the End User’s credit history, name, social security number, physical address, email address, cell phone number, MSISDN, financial information, employment status, marital status, download history, user-generated information relating to interests in and demographics.
Visitors to the Website are under no obligation to provide Company with Personally-Identifying Information of any kind, with the caveat that a Visitor’s refusal to do so may prevent the user from using certain Website features. To become a Registered Subscriber or End User, or to otherwise communicate with Company through the Website, input of some PersonallyIdentifiable Information is required.
BY REGISTERING TO BECOME A REGISTERED SUBSCRIBER, OR BY PROVIDING INFORMATION TO BECOME AND END USER (INCLUDING YOUR TEXT-INITIATED AUTHORIZATION TO COMPANY TO OBTAIN YOUR CREDIT REPORT), TO OTHERWISE OBTAIN AUTHORIZED ACCESS TO PORTIONS OF THE WEBSITE NOT
GENERALLY AVAILABLE TO THE PUBLIC, OR TO COMMUNICATE THROUGH THE WEBSITE, YOU CONSENT TO THE USE AND DISCLOSURE OF YOUR PERSONALLY-IDENTIFYING INFORMATION AS DESCRIBED IN THIS
“COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION” SECTION.
Mortgage Application Pre-Qualification, Pre-Application and Application Information
Certain Personally-Identifying Information is disclosed in the course of using the Website to upload, store, display and transmit information used in connection with pre-qualifying for or for applying for a residential mortgage.
On-line Forums and Blogs
Certain Personally-Identifying Information collected from users, Registered Subscribers or End Users is disclosed as a matter of course as a result of those users’ use of the Website. USERS ASSUME ALL RESPONSIBILITY FOR ANY LOSS OF PRIVACY OR OTHER HARM RESULTING FROM THEIR VOLUNTARY DISCLOSURE OF PERSONALLYIDENTIFYING INFORMATION.
DMCA Infringement Notifications, Notices of Violations of Website Terms of Service and Other Communications Directed to Company
By submitting a Copyright Infringement Notification or other communication (including communications about content stored on or transmitted through the Website) you consent to have such communication forwarded to the person or entity who stored, transmitted or linked to the content addressed by your communication, in order to facilitate a prompt resolution. DMCA Infringement Notifications (including any personally identifying information set forth in the Notifications) will be forwarded as submitted to Company without any deletions.
As described in the previous sections titled “Collection, Use and Disclosure of Personally-Identifying Information,” users may, at their option, disclose their own Personally-Identifying Information by any means they choose, including without limitation the Website, SMS, MMS, SMS- or MMS-initiated communications, wireless mobile device data transmissions, available restricted-access portals and storage areas on the Website. Company will disclose Personally-Identifying information under the following circumstances:
- By Law or to Protect Rights—Company discloses Personally-Identifying Information when required to do so by law, or in response to a subpoena or court order, response to an arbitration request under the Terms of Service, or when Company believes in its sole discretion that disclosure is reasonably necessary to protect the property or rights of Company, third parties or the public at large.
- Marketing Communications—Company will email Website visitors, Registered Subscribers and End Users about products and services that Company believes may be of interest to them. To opt out of receiving such emails, follow the unsubscribe instructions at the end of the communication. Even after opting-out, a user may continue to receive marketing emails from third parties to whom Company already has provided the user’s email information. Users will be responsible for directly contacting such third parties to request cessation of further marketing emails.
Contests, Giveaways and Surveys
Collection and Use of Information by Third Parties Generally
This policy is effective as of and was last updated on January 24, 2016.
Consent To Do Business Electronically
(the eDisclosure Agreement)
The mortgage loan that you have applied for involves various disclosures, records, and documents ("Loan
Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to
make you aware that the Federal E-SIGN ACT allows us to provide these documents to you via electronic
means verse paper form once we obtain your consent. You will also be able to sign and authorize these
Loan Documents electronically, rather than on paper.
Before we engage in this transaction electronically, it is important that you understand your rights and
responsibilities. Please read the following and affirm your consent to conduct business with us
In this consent, "we" "us" and "our" are used to refer to , and to any assignee
to whom we may propose to sell the loan or service the loan. For purposes of this eDisclosure
Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided
electronically, and "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan
- Your consent to participate in this transaction electronically will apply to all Loan Documents for the
applicable loans for which you are applying. We will conduct this transaction electronically, instead
of providing you with the Loan Documents in paper form.
- If a document related to your loan is not available in electronic form, a paper copy will be provided to
you free of charge.
- Conducting this transaction electronically is an option. If you choose not to accept receipt of
eDisclosures, paper Loan Documents will be mailed to you.
- If you do not consent to receive these Loan Documents electronically, you will be provided with
copies of the Loan Documents in paper form. You will not be required to pay a fee for receiving
paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT
- You have the right to withdraw your consent at any time. By declining or revoking your consent to
receive eDisclosures, we will provide you with the Loan Documents in paper form.
- If You originally consent to receive eDisclosures, but later decide to withdraw your consent, notify
your Residential Mortgage Loan Originator or our main office at
- If you originally consent to receive eDisclosures, but later withdraw your consent you will not be
required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.
OBTAINING PAPER COPIES
- After your consent is given, you may request from us paper copies of Your Loan Documents. Please notify your Residential Mortgage Loan Originator or our main office at
- If you request paper copies of the Loan Documents you will not be required to pay a fee for receiving
paper copies of the Loan Documents.
- In order to receive eDisclosures, you must have a computer with Internet access and an Internet
email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat
7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to
keep copies of your eDisclosures for your records.
- If the software or hardware requirements change in the future, and you are unable to continue
receiving eDisclosures, paper copies of such Loan Documents will be mailed to you once you notify
us that you are no longer able to access the eDisclosures because of the changed requirements. We
will use commercially reasonable efforts to notify you before such requirements change. If you
choose to withdraw your consent upon notification of the change, you will be able to do so without
HOW WE CAN REACH YOU
- You must promptly notify us if there is a change in your email address or in other information needed
to contact you electronically. You can contact Us at:
- We will not assume liability for non-receipt of notification of the availability of eDisclosures in the
event your email address on file is invalid; your email or Internet service provider filters the notification
as "spam" or "junk mail"; there is a malfunction in your computer, browser, Internet service and/or
software; or for other reasons beyond our control.
Please indicate your consent to receive electronic documents by checking the "I Accept" box below. You
are also confirming that you have the necessary computer software and hardware to accept the electronic
forms and that we have your valid, active e-mail address.
Please note that if you choose "I Decline" to accept documents electronically, this does preclude us for
sending any Loan Documentation via e-mail as well as secure document transfer. If at a later date, you
request that we e-mail any Loan Document, we will need this eDisclosure Agreement executed to
acknowledge your acceptance.