www.foreclosurezine.com is committed to protecting the privacy of visitors on-line while interacting with the content, products and services on this site (the “Site”). This Privacy Policy applies to the Site. This Privacy Policy does not apply to other web sites to which we link. This Privacy Policy describes in some detail the information that we collect from you as part of the normal operation of our service, and what may happen to the information we collect. You agree that your use of the Site signifies your assent to this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Site.

Information Collected
In order to access this Site, you must first complete the registration process. We collect personal information about you during this registration process. The personal Information collected will include name; address; e-mail address; telephone number; fax number; information about your interests in and use of various products, programs, and services; home owner status; income; debt level; current mortgage; mortgage rate and the like. To the extent that you are requested and you do submit information about other people, such information will be limited recipient’s name, address, e-mail address, and telephone number.

We do not collect personally identifiable information about you except when you specifically provide such information on a voluntary basis. www.foreclosurezine.com draws a distinction between information that is provided when registering and information that is provided when signing up for an offer or to connect with a partner.

Some of these sources from which we collect personal information about are:

• Information received from you on mortgage loan and other forms (such as your phone, account numbers, assets, income and payment history).
• Information we received from others to verify the information you have provided to us (such as your employment history).
• Information collected from our Internet web sites (such as information you provide to us and information necessary to manage your online session with us).

How We Use Your Information
www.foreclosurezine.com only uses your personal information for the original purposes it was given. Your personal information will not be sold or otherwise transferred to unaffiliated third parties without your approval at the time of collection. www.foreclosurezine.com will not disclose, use, give or sell any personal information to third parties for any purposes other than to our suppliers, affiliates, subsidiaries and other third parties who need to know in order to deliver services on behalf of www.foreclosurezine.com unless required to do so by law. Further, www.foreclosurezine.com reserves the right to contact you regarding matters relevant to the underlying service provided and/or the information collected.

Without advertising support and lead generation, we could not keep the Web site free for use. We share aggregate information with our partners, affiliates and advertisers. We will not share your personally identifiable information with any third party, unless we tell you otherwise when we collect the information, you have consented by “opting in” to being contacted by www.foreclosurezine.com , its third party partners, affiliates or advertisers, or we have informed you of a change to our privacy policy so that you can then choose to opt out.

When you sign up for the ‘Free Guide’ available on the Site, you agree to be contacted by our partners or third parties as an extension of our services. We may sell the personal information that you supply to us while signing up for the free guide to selected third parties such as those business partners, affiliates or third parties who would provide loan modification serivces and of that nature.

We use the information you provide about yourself when you place an on-line request for services. We also use this information for various internal business purposes, such as billing, customer service, fraud prevention, and broadening and improving the services we offer. Additionally, at your request, we may use the information, including postal address and/or email address, to send you promotions for our services. (Of course, this is strictly at your option and you may be removed at any time.) We do not use or share this information with outside parties except to the extent necessary to handle your request. We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties. We do not use or share the personally identifiable information provided to us online in ways unrelated to the ones described herein.

Depending upon the nature of the request, we may disclose any of the information we collect from or about you or others, as described above, to affiliates or other unaffiliated third parties (companies that are not owned or controlled by us) for various business purposes and as necessary to complete your online request including but not limited to:

• Financial services providers, such as banks;
• Potential investors;
• Mortgage lenders, brokers;
• Real Estate Agents;
• Loss Mitigating Agents; and
• Others, as permitted by law.

Please note that personally identifiable information is used only to provide you with a more enjoyable, convenient online experience and to help us identify and/or provide information, products or services that may be of interest to you. We use your personally identifiable information to support and enhance your use of the Site and its features, including without limitation: fulfilling your order; providing customer service; tracking email invitations you send; and otherwise supporting your use of the Site.

www.foreclosurezine.com may use your personal information for target advertising toward you based on things such as region, gender, interests, goals, habits, etc.

We may permit certain trusted third parties to track usage, analyze data such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. This is collected in order to better understand our Web site usage, and enhance the performance of services to maintain and operate the Site and certain features on the Site. We may use third parties to host the Site; operate various features available on the Site; send emails; analyze data; provide search results and links and assist in fulfilling your orders.

www.foreclosurezine.com may disclose Contact Information in special cases where we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our terms and conditions of use or may be causing injury or interference with our rights, property, our customers or anyone who could be harmed by such activities.

You will receive notice when your personally identifiable information might be provided to any third party for any reason other than as set forth in this Privacy Policy, and you will have an opportunity to request that we not share such information.

We use non-identifying and aggregate information to better design our website and for business and administrative purposes. We may also use or share with third parties for any purpose aggregated data that contains no personally identifiable information.

How We Protect Your Privacy
We protect your privacy in a number of ways. As an initial matter, any financial information transmitted to our servers via a secure server is encrypted using SSL technology. SSL is a protocol that transmits your communications over the Internet in an encrypted form. The protocol ensures that the information is sent, unchanged, only to the server you intended to send it to.

All chats and user data are maintained and archived on secure servers. Access to stored data is password protected and passwords are account specific. Therefore, no user can view data for another user.

Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can mail us at the address indicated below in the Contact Us section.

Third Party Advertising
Advertisements appearing on this Site may be delivered to you by www.foreclosurezine.com or one of our Web advertising partners. Our Web advertising partners may set cookies. Doing this allows the advertising partners to recognize your computer each time they send you an advertisement. In this way, they may compile information about where you, or others who are using your computer, saw their advertisements and determine which advertisements are clicked. This information allows an advertising partner to deliver targeted advertisements that they believe will be of most interest to you. www.foreclosurezine.com does not have access to or control of the cookies that may be placed by the third party advertising servers of ad partners.

This privacy statement covers the use of cookies by www.foreclosurezine.com and does not cover the use of cookies by any of its advertisers.

Click to Chat
We offer you a unique ‘Click to Chat’ feature on the Site to interact with us for any instant assistance or query handling. When the online customer service chat first begins, users are asked to enter their names in whatever format or detail they prefer. During the chat, Users enter into a live question and answer session with an operator.

We maintain dialogue transcripts of these chats. After the chat, we ask Users to fill out an exit survey in order to obtain valuable feedback about our service. Filling out the exit survey is completely voluntary. The surveys may ask for contact information (e.g., email address) and for demographic information (e.g., zip code, age or income level).

We log browser information (e.g., Internet Protocol addresses and browser types) to help diagnose problems with our server, gather broad demographic information and administer our site.

We access the information we collect for certain purposes including, but not limited to, the following: to provide maintenance, support or professional services to our customers, to aggregate the information, to monitor the use of the service during certain chats and for other lawful purposes.

Accessing and Updating Your Personal Information and Preferences
We provide mechanisms for updating and correcting your personal information for many of our services. You may modify or remove any of your personal information at any time by logging into your account and accessing features such as edit and account.

Email or SMS Choice/Opt-out
If you no longer wish to receive updates or notifications may opt-out of receiving these communications by changing your “email notification” settings in your “account settings.”   In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

Children’s Privacy and Parental Controls
We do not solicit any personal information from children. If you are not 18 or older, you are not authorized to use the Site. Parents should be aware that there are parental control tools available online that can be used to prevent children from submitting information online without parental permission or from accessing material that is harmful to minors.

Contests and Surveys
www.foreclosurezine.com occasionally asks users to complete surveys that we use for research purposes. This information is shared with advertisers on an aggregate basis unless you otherwise consent. Individual user information is not released without your consent.

Disclaimer to Security
By consenting to the Terms and Conditions of the Site and hence the Privacy Policy, you consent that no data transmission over the Internet is completely secure. We cannot guarantee or warrant the security of any information you provide to us and you transmit such information to us at your own risk.

Notification of Changes
www.foreclosurezine.com reserves the right to change this Privacy Policy from time to time at its sole discretion. If at some point in the future, there is a change to our Privacy Policy that will affect your personal information, we will notify you by email of the relevant changes. Your continued use of the Site indicates your assent to the Privacy Policy as posted.

Contact us
If you have any questions or concerns regarding this Privacy Policy please contact:

www.foreclosurezine.com
foreclosurezine@gmail.com