Privacy Policy

By visiting, using and/or submitting information to www.myhomeloantools.com (the "Site"), you are accepting the practices described in this Privacy Policy and the terms and conditions of the Site's Terms of Use located at www.myhomeloantools.com/terms-of-use.php (the "Terms of Use")

We take your privacy seriously and have published this Privacy Policy to explain how we treat all information you may submit to us. This privacy policy applies solely to information collected by this web site and does not describe information collection practices on other sites, including those linked to or from the Site.

Collection, Use and Sharing of Personally Identifiable Information

Many of the features of the Site are available to you without your providing personally identifiable information. Personally identifiable information generally includes information that could be used to determine your identity, such as your name, address, phone number, e-mail address and birth date. The following are certain situations in which the Site may collect personally identifiable information from you:

• Forms. The Site may collect personally identifiable information from you if you choose to fill out any forms, profiles, or surveys on the Site.
• Correspondence. If you send the Site personal correspondence, such as emails or letters, or if other users or third parties send the Site correspondence about your activities or postings on the Site, the Site may choose to collect such information in a file specific to you.
• Business Partners. Your personally identifiable information may be received by or from one of the Site's business partners such as advertisers.

The Site uses your personally identifiable information as follows:

• to operate and improve the services you've requested, including services that display customized content and advertising;
• to improve our marketing and promotional efforts;
• To share information with third parties in limited circumstances, including when complying with legal process, preventing fraud or imminent harm and ensuring the security of our network and services;
• In some cases, we use third-party advertising companies to serve ads when you visit our website. These companies may use information about your visits to this and other websites in order to provide advertisements about goods and services of interest to you;
• to contact you and deliver information to you that, in some cases, is targeted to your interests, such as targeted banner advertisements, administrative notices, product offerings and communications relevant to your use of the Site; and
• as otherwise set forth in this Privacy Policy

You expressly agree to the Site's use of your personally identifiable information as set forth in this Privacy Policy and the Terms of Use.

Advertising

The Site may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to the Site and other Web sites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you. For example, the Site uses certain features of Google Analytics for Display Advertising including Google Analytics Demographics and Interest Reporting and may use Google Analytics Remarketing. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.

Cookies

"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your web browser on your computer's hard drive. The Site, its external service providers, internal service providers and third-party advertising companies, may set and access cookies on your computer to track and store preferential information about you. The Site and its external service providers, internal service providers and third-party advertising companies gather anonymous information about you through cookie technology on an aggregate level only. For example, a third-party advertising company may assign a cookie (and a Web beacon, described below) to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.

Web Beacons

"Web beacons", also called single-pixels (1x1) or clear GIFs, are electronic images that allow a Web site to access cookies and help track marketing campaigns and general usage patterns of visitors to those Web sites. Web beacons can recognize certain types of information, such as cookie numbers, time and date of a page view and a description of the page where the Web beacon is placed. No personally identifiable information about you is shared with third parties through the use of Web beacons.

• Internal use of Web beacons. Web beacons may be used internally to count users and recognize users through cookies. Access to cookies helps personalize your experience when you visit the Site.
• Email. Web beacons may be included in HTML-formatted email messages that are sent. Including Web beacons in email messages helps determine your interest in and the effectiveness of such emails.
• External use of Web beacons. Web beacons may also be used externally. For example, aggregate information about the Site's users, such as demographic and usage information, may be reported to partnersand other third parties such as advertisers. Other company's Web beacons may also be used within the Site.

Links

This web site contains links to other third party web sites. Such links are not an endorsement of those Web sites and/or the products or services offered there. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site as it may differ substantially from the Privacy Policy for this Site.

Access and Use of the Site

The Site is intended to be accessed and used only by adults and is not directed to children under the age of 18. Registration or submission of personally identifiable information by anyone under the age of 18 will not be knowingly permitted.

Security

We take precautions to protect your information and we don't currently collect sensitive personal information. In the event that we choose to collect sensitive information via the website in the future, we will take appropriate security measures.

Changes to this Privacy Policy

The right to update, amend and/or change this Privacy Policy at any time and without notice is reserved. Updates to this Privacy Policy will be posted here. Any information collected from you online is subject only to the Site's most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of the same.

Last Update

This Privacy Policy was last updated on November 7, 2013.

Questions or Concerns

If you have any questions about this Privacy Policy, please feel free to contact us through our website