Privacy and Confidentiality
PreApp 1003 Alerts’ top priority is the privacy of its users. The following is provided to address any concerns you may have.
- PreApp 1003 will never, under any circumstances, sell or distribute your cell phone number to third parties or PreApp 1003 clients for whom you have not approved.
- PreApp 1003 will never directly market to you any services for which you have not opted in, either by cell phone, text message or email.
- PreApp 1003 will never distribute any personal information about you, including your phone number, name, billing information or any other piece of identifying information.
If you have any questions, please call (720) 773-1003 or send an email firstname.lastname@example.org
PreApp (“Company”) respects the privacy of its users whether they use the preapp1003.comSM 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, Visitors
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.