Terms of Use
AM Mortgage
Brokers, Inc. maintains this site for your
personal information, education, and
communication. Your access and use of the
website is subject to the following terms and
conditions, which you accept without limitation
or qualification by your access and use of the
site.
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You may NOT distribute,
modify, transmit, reuse, repost or use the
content of the site for public or commercial
purposes, including the text and images,
without written permission from AM Mortgage
Brokers, Inc.. AMMB does NOT warrant or
represent that your use of materials on the
site will not infringe on the rights of
third parties, unrelated to AMMB.
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While
AMMB makes reasonable efforts to maintain
and update the website with accurate
information, it assumes no liability or
responsibility for any errors or omissions.
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Your use
of and browsing in the website are at your
own risk. AM Mortgage Brokers, Inc.; nor any
other party involved in your loan
application originated through use of the
site, assumes no responsibility and shall
not be liable for any damages to you, your
computer equipment, or other property on
account of your access to, use of, browsing
in, or downloading from the site.
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Anything
you transmit or post using the site, becomes
the property of AM Mortgage Brokers, Inc.
and may be used for enhancement to the
website and product development, however
your personal information will be kept
strictly confidential.
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The
trademarks, logos, and service marks
displayed on the site are registered and
unregistered trademarks of AM Mortgage
Brokers, Inc.. Nothing contained on the site
should be construed as granting, by
implication or otherwise, any license or
right to use any trademark displayed on the
site without the written permission of AM
Mortgage Brokers, Inc..
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The
information provided in the website is
intended solely as general guidance on the
home buying and financing processes, and
does not constitute legal, tax, accounting,
or other professional advice. State law in
part guides real estate contracts, closing
procedures, and disclosures. Individual
situations and state laws vary. Users are
encouraged to obtain appropriate advice for
their circumstances.
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AMMB may
at any time revise these terms and
conditions by updating this posting. You are
bound by any such revisions and should
therefore periodically visit this page to
review the current terms and conditions.
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Any
rights not expressly granted herein are
reserved.
Internet Use
Protecting Your Privacy
AM Mortgage
Brokers, Inc. is committed to protecting your
privacy. You have chosen to do business with us
and we recognize our responsibility and
obligation to keep the information you provide
us secure and confidential. You can be sure that
our commitment to protect your financial and
personal information will continue under the
principles and online guidelines described
below.
Working to Meet your Needs Through Information
We hope that
after reviewing the website, you will decide to
apply for a loan online so that we can assist
you in finding the best mortgage for your needs.
When you apply online, we ask the same
information that would be required in a
handwritten, over-the-phone, or face-to-face
application including, information about your
employment, income, current residence, phone
numbers, debts and monthly obligations, social
security number and other personal information.
Keeping Your Information Secure
When you
fill out an application online, your personal
information is encrypted using 128-bit secure
sockets layer encryption technology before being
sent over the Internet. This makes it virtually
impossible for your information to be stolen or
intercepted while being transferred through
cyberspace. To offer further protection to its
website users applying for a loan online, AMMB
DOES use Cookies. Once received, your
application is kept encrypted until we are ready
to process it. You will receive a written copy
of your application and will be asked to sign it
at or before consummation of the loan
transaction.
How and Why Information is Shared
Your
information is held in strict confidence with
protection for you, both as a mortgage applicant
and website user. We do NOT provide any
information about you to any third party unless
they are directly related to the loan
application process, like appraisers and
mortgage professionals working on your
application. Just like a traditional lender, we
will use your social security number, name, and
current address to pull a credit report. We do
NOT sell names or e-mail lists to third parties.
When Information is Collected and Not Collected
Some areas
of our website require information, such as your
email address and account number, to allow you
to perform certain tasks (for example, track the
status of your loan online.) In these cases, we
collect information from you so that we can
interact with you. Otherwise, you may browse the
site anonymously and no personal information is
collected. However, your visit itself, and how
you use the web pages, may be recorded for
marketing and statistical purposes to assist us
in improving the website for future visitors. We
gather and analyze data regarding usage of our
website, including domain name, pages visited,
length of user session, etc. to evaluate the
effectiveness and usefulness of our site.
No Date "Capture" with Planning Tools
There are
many planning tools throughout our website to
help you make the financial decisions that are
right for you in the privacy of your own home.
We do not capture the personal information you
provide on these planning tools, examples
include the Mortgage Principal and Interest
Calculator and the Debt Consolidation
Calculator.
About "Cookies"
AMMB
continuously strives to provide the best
customer service possible. We use cookies as a
part of our interaction with your browser in
order to determine if you have previously
visited our website and for a number of
administrative purposes. A "cookie" is a small
text file place on your hard drive by our web
page server. Cookies are commonly used on
websites and do not harm your system. By
configuring your preferences or options in your
browser, you can determine if and how a cookie
will be accepted. These cookies do not collect
personally identifiable information and we do
not combine information collected through the
use of cookies with other personal information
to determine who you are or your e-mail address.
Gramm-Leach-Bliley Privacy Act
Introduction
AMMB knows
that you expect privacy and security for your
personal financial information. This privacy
policy is designed to inform you of the types of
information we collect from our customers, how
we use that information, and the circumstances
under which we will share it with third parties.
We Respect Your Privacy
AMMB
respects your privacy and is committed to
treating your information responsibly. We
believe many consumers appreciate receiving
offerings of products and services that may be
useful to them. At the same time, we understand
the need to safeguard sensitive information that
you have provided to us and that you expect
privacy and security for your personal and
financial affairs.
Information Collection
AMMB will
collect nonpublic personal information about you
only where we reasonably believe the information
will be necessary or useful in processing or
administering your loan, or providing products,
services and other opportunities that we think
will be of interest to you. In this notice, the
term nonpublic personal information refers to
information about you that we receive from the
sources described below and that is not
otherwise lawfully available to the general
public.
We collect
nonpublic personal information about you from
the following sources: (1) information we
receive from you on applications or other forms,
(2) information about your transactions with
others, or us and (3) information we receive
from consumer reporting agencies.
Information Sharing
AMMB does
not share information with anyone unless
permitted by law.
Confidentiality and Security
We restrict
access to nonpublic personal information about
you to those employees who need to know that
information to provide products or services to
you. We maintain physical, electronic and
procedural safeguards that comply with federal
standards to guard your nonpublic personal
information.
We
appreciate your business and want you to
understand our commitment to maintaining the
privacy of your nonpublic personal information,
as expressed in this Privacy Policy.
We reserve
the right to amend this policy upon written
notice.
