HomeLoanModifications.DYNdns.org Privacy Policy
This privacy policy was most recently updated on June 27, 2009.
It governs HomeLoanModifications.DYNdns.org’s collection, use and disclosure of non-public personal information (“NPPI”), defined below, received from our current and former customers or collected by us concerning our current and former customers. This privacy policy is subject to change at any time, so please review it frequently. If we make material changes to this policy, we will notify you here by changing the update date above.
We take the privacy and security of your NPPI seriously and believe it is important that you understand:
- What information we collect, and how we collect it;
- How we use information we collect;
- With whom we share collected information;
- What choices you have regarding the use of the information we collect; and
- The types of security we use to protect the information we collect.
HomeLoanModifications.DYNdns.org is dedicated to protecting the privacy of our customers.
What information we collect and how we collect it.
We may collect the following categories of NPPI: information you provide such as your contact information, information about your transactions with us or our affiliates, and information about your transactions with non-affiliated third-parties to whom your information is disclosed by us to fulfill a transaction you request.
Traffic data
We automatically track and collect traffic data. Traffic data is information that does not identify you personally but may include your IP address, ISP and other similar types of information that help us administer our site, and improve our service offerings. We may use cookies and web-beacons to track traffic data and customer transactions for accounting purposes.
No NPPI information that identifies a customer or former customer is revealed in the collection and use of traffic data. We may share anonymous traffic and transactional information with our affiliates and service providers on an aggregate basis for marketing, accounting and site-optimization purposes.
Non-public personal information
NPPI includes: (i) any information you provide to obtain a home loan modification or mortgage refinance; (ii) about you resulting from any transaction involving a home loan modification or mortgage refinance; or (iii) that we otherwise obtain about you in connection with providing a home loan modification or mortgage refinance that you request. This type of information does not include information that is collected anonymously or for the purpose of tracking movement on our website. In order for you to access many of the products and services offered through this site, you may be required to provide us with NPPI such as:
- Name;
- Street or postal address;
- E-mail address;
- Phone number;
This information is used to identify you, complete your requests for home loan modification or mortgage refinance, facilitate requests for other products or services, and for customer service fulfillment.
Categories of information we disclose
HomeLoanModifications.DYNdns.org may disclose the NPPI we collect about you, described above, to our affiliates or non-affiliated third-parties, as described below, and as otherwise permitted by law.
(i) To home loan modification or mortgage refinance companies and other affiliated entities including but not limited to real estate attorney's in order to fulfill or respond to your requests.
(ii) To affiliates and service providers who perform professional services for us, such as demographic analysis for marketing purposes and accounting.
Selected NPPI, such as your Social Security number, driver’s license number, bank account or routing number, and debit or credit card numbers, expiration dates and security codes are immediately encrypted. Please note that we do not currently collect any of this data.
HomeLoanModifications.DYNdns.org does not sell, rent or otherwise disclose your NPPI to third-parties except as explained in this privacy policy and as permitted by law.
Why we need your e-mail address
We use your e-mail address to:
- Confirm your identity;
- Refer you to an affiliate;
- Send you information on the status of your transaction;
- Contact you if we need your assistance to complete the transaction;
- Send you newsletters, and other customer related material as permitted by law.
HomeLoanModifications.DYNdns.org has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from HomeLoanModifications.DYNdns.org please report it to us at privacy@HomeLoanModification.dynDNS.org We are not responsible for communications you may receive from non-affiliated third-parties.
We will never ask you to provide NPPI in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting NPPI. Contact us immediately at privacy@HomeLoanModification.dynDNS.org
We may store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email.
What choices you have regarding the use of your information
E-mail correspondence. You may opt-out of e-mails in one of two ways:
- You may “uncheck” the box next to the offer on the on-line form you complete; or
- Click on the ‘unsubscribe hyperlink’ in the e-mail you receive.
When you unsubscribe, you will receive an e-mail confirming your decision to opt-out.
Confirmations. You may not opt-out of these e-mail messages. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation emails often contain important instructions about your transaction. If you do not wish to receive this confirmation e-mail do not sign up for services or products on this website.
Your access to identifying non-public personal information
If you want to change or delete your identifying NPPI, including your e-mail address, or if you no longer are interested in a service found on this website, you may correct, update, delete or deactivate your identifying NPPI by contacting the non-affiliated third party that processed your request. Information entered on the HomeLoanModifications.DYNdns.org website will be automatically updated each time you apply for a new or different service.
HomeLoanModifications.DYNdns.org reserves the right to disclose your NPPI, including your e-mail address without your consent:
- To comply with Federal, State, or local laws, rules and other applicable legal requirements; or
- To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or
- To respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, other purposes as authorized by law; or
- To our service providers to verify the integrity of the information collected; or
- To our affiliated business partners for accounting purposes.
Important note regarding non-U.S. users and U.S. law
The laws and regulations of different countries and states impose different (and even conflicting) requirements on data protections and the use of the Internet. HomeLoanModifications.DYNdns.org is located in California, in the United States of America, as are the servers that make this web site available worldwide. The laws of the State of California and, the United States of America, govern all matters relating to this web site. If you provide information while using this site, you will be deemed to have authorized the transfer of your information to our servers in California.
Children
We do not knowingly solicit information from children or send them requests for information. Although there are links to other sites that may offer services to persons under the age of 18, HomeLoanModifications.DYNdns.org does not offer any services for person under the age of 18.
This privacy policy applies to www.HomeLoanModifications.DYNdns.org
This privacy policy applies only to the website http://HomeLoanModifications.dynDNS.org and the users of the site. It does not apply to any other web site whether it is a site that you may link to, or a site that may link to this site. HomeLoanModifications.DYNdns.org is not responsible for the privacy practices on any other site or of any other entity or person. We encourage you to learn about the privacy policies of any site you visit and the companies that operate them.
Privacy policies and non-affiliated third-parties
Because this privacy policy applies only to the HomeLoanModifications.DYNdns.org website it may be different than that of the non-affiliated third-parties to whom your NPPI is disclosed to process the home loan modification or mortgage refinance you request or authorize. HomeLoanModifications.DYNdns.org urges you to review the privacy policies of every website you visit where you are required to disclose your NPPI to obtain a product or service.
Your use of this web site
By using this web site, you represent to us that you are an adult under the laws of the jurisdiction where you reside and that you have had an opportunity to review the terms of this privacy policy and the Terms and Conditions posted on this site. Do not use this website or disclose any NPPI if the terms of this privacy policy are not acceptable to you or if you do not agree to all provisions of our Terms and Conditions.
Protect and verify your identifying non-public personal information
We urge you to take adequate precautions to protect your identifying NPPI, both on and off the Internet. (To learn more go to: http://onguardonline.gov/index.html).
Contact us
If you have questions or concerns regarding this policy, contact customer service via our online Contact Us form, by e-mail at privacy@HomeLoanModifications.DYNdns.org, or by mail.
HomeLoanModifications.DYNdns.org, Inc.
PO Box 1170
Tehachapi, California 93561
Security
HomeLoanModifications.DYNdns.org also maintains and enforces strict internal policies to protect NPPI from unauthorized access by employees or third-parties.
Terms Used in This Statement
Cookies
HomeLoanModifications.DYNdns.org may use cookies, or small text files maintained by your web browser, to enhance your interaction with the website. Some cookies are stored on your hard drive. You may reject or refuse cookies and still visit our web site. However if you reject cookies you may not be able to access all of the services on our web site.
Some of the companies that offer products or services via our web sites, and some of the companies that send visitors to our web site pass cookies to your computer. Please be aware that we have no control over cookies passed to you from other companies’ sites.
If you request information or purchase a product or service, you will be requested to enter NPPI on our web site. Selected NPPI is linked to the cookie stored on your computer so it will be easier for you to complete a transaction on your next visit to our web site. If you complete another transaction, you may have to re-enter selected NPPI which is not linked to cookies stored on your computer.
Encryption
HomeLoanModifications.DYNdns.org may use encryption to secure selected NPPI such as Social Security numbers, drivers license numbers, and credit card data. Encryption is a way to scramble data to make it unreadable to anyone other than the intended recipient. If it is intercepted by a third-party while traveling over a network it cannot be read. Only the persons sending and receiving the encrypted data have a key to unscramble the data and make it readable. Encryption provides privacy for email, discussion group postings, and other communications as they move over networks. HomeLoanModifications.DYNdns.org uses industry standard SSL, AES and RSA encryption. We do not currently collect any of the data mentioned in this paragraph.
Secure Sockets Layer
Secure Sockets Layer is the industry standard method for protecting web site communications by encrypting information thus making it unreadable to anyone except the holders of the keys used to read the information. HomeLoanModifications.DYNdns.org may use the SSL protocol to capture selected NPPI, such as your credit card numbers via the Internet. We do not currently collect any information requiring SSL encryption, however we may in the future collect such data.
SSL Certificate
A SSL Certificate binds an entity to a pair of electronic keys that can be used to encrypt and sign digital information. A SSL Certificate makes it possible for you to verify that we have the right to use a given key, helping to prevent others from using phony keys to impersonate us. For more information about our certificate, click on the VeriSign® logo.
Third Data Sources
We may use third-parties to verify the integrity of selected NPPI you provide so we can confirm your identity.
Web-beacons
A web beacons is a tracking marker that is placed within a web page or in an e-mail message. Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or e-mail message and transfer the data to a server. HomeLoanModifications.DYNdns.org uses web beacons to:
- Count website visits to specific areas at the HomeLoanModifications.DYNdns.org website;
- Track and account for transactional information on the websites of non-affiliated third-parties or service providers;
- Collect aggregate transactional data for accounting purposes;
- Track statistics about:
- The IP address of the computer that fetched the web beacon
- The URL of the page that the web Beacon is located on
- The URL of the web beacon
- The time the web beacon was viewed
- The type of browser that fetched the web beacon image
- A previously set cookie value Return to the top
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