Throughout this document, we may use certain words or phrases, and it is important that you understand the meaning of them. The following is a non-exhaustive list of definitions of words and phrases found in this document:
"FHALoan dot com" refers to our company, known as "First Click Mortgage, Inc."; our Site; our Service; or a combination of all or some of the preceding definitions, depending on the context of the word;
"Service" refers to the services that we provide through our Site, including the information provided through our Site and our Site itself;
"Site" refers to our website, FHALoan dot com;
"User" refers to anyone who visits our Site;
Whenever you visit our Site, we may collect non-identifying information from you, such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, this information alone cannot usually be used to identify you.
USE OF YOUR INFORMATION
We may use your information to:
Enhance or improve User experience, our Site, or our Service.
Send e-mails about our Site or respond to inquiries.
Perform any other function that we believe in good faith is necessary to protect the security or proper functioning of our Site or Service.
ACCESSING, EDITING, AND REMOVING YOUR INFORMATION
Users may in some cases be able to review and edit the personal information they have provided to us by logging into your account on the Site and editing their account. Although most changes may occur immediately, information may still be stored in a web browser's cache. We take no responsibility for stored information in your cache, or in other devices that may store information, and disclaim all liability of such. In addition, we may, from time to time, retain residual information about you in our backup and/or database.
THIRD PARTY WEBSITES
FHALoan dot com may post links to third party websites on its Site, or direct you to the websites of advertisers or the websites that those advertisers promote. These third party websites are not screened for privacy or security issues by FHALoan dot com, and you release us from any liability for the conduct of these third party websites.
THIRD PARTY ACCESS TO YOUR INFORMATION
Although you are entering into an agreement with FHALoan dot com to disclose your information to us, we do use third party individuals and organizations to assist us, including contractors, web hosts, and others.
Throughout the course of our provision of our Service to you, we may delegate our authority to collect, access, use, and disseminate your information. For example, our web host stores the information that you provide us, and we may hire outside contractors to perform maintenance or assist us in securing our website.
RELEASE OF YOUR INFORMATION FOR LEGAL PURPOSES
At times it may become necessary, for legal purposes, to release your information in response to a request from a government agency or a private litigant. You agree that we may disclose your information to a third party where we believe, in good faith, that it is desirable to do so for the purposes of a civil action, criminal investigation, or other legal matter. In the event that we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in fraudulent activities. You release us from any damages that may arise from or relate to the release of your information to a request from law enforcement agencies or private litigants.
COMMERCIAL AND NON-COMMERCIAL COMMUNICATIONS
We take certain measures to enhance the security of our Site and Service, such as using SSL certificates. However, we make no representations as to the security or privacy of your information. It is in our interest to keep our website secure, but we recommend that you use anti-virus software, firewalls, and other precautions to protect yourself from security threats.
YOUR CALIFORNIA PRIVACY RIGHTS
Last Modified: April 1, 2018
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
FHALoan is a private corporation, is not a government agency, and does not make loans.
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FHALoan.com is not a government agency. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short term loan services. Neither FHALoan.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. We do not ask users to surrender or transfer title. We do not ask users to bypass their lender. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors.