National Association of Mortgage Professionals

Privacy

Welcome to the National Association of Mortgage Professionals® and the Mortgage M®!

This privacy policy informs and governs the manner in which The National Association of Mortgage Professionals® and the Mortgage M® collects, maintains, uses and discloses Personal Information collected from all users and visitors to our Site. This policy only addresses our privacy practices associated with the National Association of Mortgage Professionals® and the Mortgage M® website and the associated iPhone and Android apps. Other websites, apps and services we operate may be subject to other policies and practices. When you use our Site, you are entering into a legal agreement and you agree to all of these terms, including our Terms of Use.

We use your Personal Information for providing and improving the Site and for a third party Mortgage Professional to communicate with you. By using the Site, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms of Use.

MEMBER INFORMATION

The National Association of Mortgage Professionals® and the Mortgage M® is a membership organization. In order to provide resources to members, and to differentiate between members, the National Association of Mortgage Professionals® and the Mortgage M® collects member information including mail and email address, phone number, birthdate, username, demographic and professional information, and certain member preferences.

Your mail and email address will be used to send you information relating to your National Association of Mortgage Professionals® and the Mortgage M® membership, based on the preferences you provide. See the National Association of Mortgage Professionals® and the Mortgage M® communications and Opt-Out sections below for more information

WITH WHOM DOES THE NATIONAL ASSOCIATION OF MORTGAGE PROFESSIONALS® AND THE MORTGAGE M® SHARE MY MEMBER INFORMATION?

The National Association of Mortgage Professionals® and the Mortgage M® does not release information about a member other than to confirm her/ his status as a member of the Association in response to general public requests. In the context of approved Association business such as identification of members for leadership positions or public affairs or for established business partners or affinity partners specific identifying information is provided in order to permit contact.

The National Association of Mortgage Professionals® and the Mortgage M® is not able to control the practices of external websites and organizations to which we may provide links. If you have questions about how such organizations use the information gathered when you link to their sites please read their privacy policies.

INFORMATION AND COLLECTION OF USE

When you use or site, either as a consumer or a Mortgage Professional you must provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to, first name, last name, street address, city, and state, zip code date of birth, email address, and phone number ("Personal Information") that we use to help verify who you are.

We may use your contact information to send you information about our Services or to market to you. We ask that you keep your contact information current and accurate so that we may offer you more relevant content, ads, and valuable services and opportunities.

You may participate in surveys and polls and we will collect your response but not your Personal Information. The participation in the surveys and polls is up to you.

LOG DATA

Like many site operators, we collect information that your browser sends whenever you visit our Site ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, browser usage and habits and your computer’s operating system. We use this information to analyze trends, diagnose and resolve server problems, help target offers and other ads, gather broad demographic information and track user movement. We also may track the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

COOKIES

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

WEB BEACONS

Our website and emails may contain “web beacons” that help us measure and track member activity. Some of these web beacons come from us. Other web beacons may come from our service provides.

DO NOT TRACK DISCLOSURE

The National Association of Mortgage Professionals® and the Mortgage M®, Inc. does not respond to Do Not Track (DNT) signals. Do Not Track (DNT) is a preference you can set in your web browser to let the websites you visit know that you do not want to be tracked. You can disable or enable this setting by visiting the Preferences or Settings menu of your web browser.

CALIFORNIA’S SHINE THE LIGHT LAW

California Civil Code Section 1798.83, known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us a list of what personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. Under Section 1798.83, The National Association of Mortgage Professionals® and the Mortgage M® does allow a third party Mortgage Professional access to your personal information for their direct marketing purposes.

COMPLIANCE WITH LAWS

The National Association of Mortgage Professionals® and the Mortgage M®, Inc. will disclose your Personal Information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Site.

BUSINESS TRANSACTION

We may also disclose your personal information to a third party as part of a sale of the assets of The National Association of Mortgage Professionals® and the Mortgage M®, a subsidiary, or division, or as the result of a change in control of the company or one of its affiliates, or in preparation for any of these events. Any third party to which The National Association of Mortgage Professionals® and the Mortgage M® transfers or sells The National Association of Mortgage Professionals® and the Mortgage M®'s assets will have the right to continue to use the personal and other information that you provide to us in the manner set out in this Privacy Policy.

SECURITY

The security of your Personal Information is important to us, and we protect your personal information using industry-standard safeguards. But remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

DO NOT TRACK – CALIFORNIA ONLINE PRIVACY PROTECTION ACT NOTICE

The National Association of Mortgage Professionals® and the Mortgage M® does not track users, who do not interact with its sharing functionality across the web, and therefore does not use "do not track" signals.

(2) The National Association of Mortgage Professionals® and the Mortgage M® does not authorize the collection of PII from The National Association of Mortgage Professionals® and the Mortgage M® for third party use through advertising technologies without separate member consent.

To learn more about DNT and The National Association of Mortgage Professionals® and the Mortgage M® 's DNT practices, please read on:

On September 27, 2013, California Governor Jerry Brown signed into law A.B. 370, amending the California Online Privacy Protection Act (CalOPPA) to require website operators such as The National Association of Mortgage Professionals® and the Mortgage M® to disclose: (1) how The National Association of Mortgage Professionals® and the Mortgage M® responds to "Do Not Track Signals"; and (2) whether third parties collect personally identifiable information (PII) about users when they visit The National Association of Mortgage Professionals® and the Mortgage M®.

DO NOT TRACK

What is Do Not Track? Do Not Track (DNT) is the concept that has been promoted by regulatory authorities, in particular the U.S. Federal Trade Commission (FTC) for the Internet industry to develop and implement a mechanism for allowing Internet users to control the tracking of their online activities across websites.

What is a DNT signal? Currently, various browsers - including Internet Explorer, Firefox, and Safari - offer a DNT option that relies on a technology known as a DNT header, which sends a signal to websites' visited by the browser user about the user's DNT preference. You can usually access your browser's DNT option in your browser's preferences.

Is there a DNT technology standard? The World Wide Web Consortium (W3C) has been working with industry groups, Internet browsers, technology companies, and regulators to develop a DNT technology standard. While some progress has been made on this issue, progress has been slow, and no standard has been adopted to date. Without a common, industry standard for DNT, users cannot know how any given company abides by DNT signal they receive from browser headers.

How does The National Association of Mortgage Professionals® and the Mortgage M® respond to the signal? The National Association of Mortgage Professionals® and the Mortgage M® takes privacy and security very seriously, and strive to put our members first in all aspects of our business. With regard to DNT, The National Association of Mortgage Professionals® and the Mortgage M® currently does not respond to DNT signals in browsers because it doesn't track individual members across the web.

Opt-Out

Members may elect not to receive mail or email from The National Association of Mortgage Professionals® and the Mortgage M® (except account notices as described above) by updating their preferences or by contacting The National Association of Mortgage Professionals® and the Mortgage M® Members may also opt-out of receiving specific types of email by using the “Unsubscribe” option in included in every email they receive.

CHANGES TO THIS PRIVACY POLICY

The National Association of Mortgage Professionals® and the Mortgage M®, Inc. may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on the Site. You are advised to review this Privacy Policy periodically for any