This Privacy Policy describes the information that may be collected on TheMortgageMess websites, the choices you can make about your personal information and how we protect your personal information. Our Privacy Policy provides information on how we protect other types of personal information, such as for employees, shareholders or job applicants.

We use personal information you provide only for purposes consistent with the reason you provide it.
We do not share your personal information with other marketers unless we have asked for and obtained your explicit consent. We will not share your information with other marketers.

This Privacy Policy applies to websites operated by or on behalf of The themortgagemess.com Incorporated and its affiliated companies and subsidiaries. Some TheMortgageMess websites may contain links to non-TheMortgageMess websites. TheMortgageMess is not responsible for the privacy policies of those websites. We recommend you review the privacy policies of each site you visit.

Information We Collect and How We Use It

You can visit our websites and learn about our products without providing personal information. However, to participate in our website clubs or special offers you may need to provide personal information.

Personal information is information that can identify you such as your full name, your e-mail address or postal address. We collect personal information to provide you information and samples you request, to give you a customized interactive experience, and to help us develop new products and services that meet your needs. We use personal information you provide only for purposes consistent with the reason you provide it such as:

Website Programs / Contests / Information Requests: TheMortgageMess collects information necessary to meet your request for product samples, to enter contests, promotions, or to join website programs. This may include your name, postal address, e-mail address, and telephone number. We may ask your age to make sure you are old enough to participate. We may ask for other information such as your beauty care preferences to better customize your website experience or our offers to you.

Samples: We may ask you to provide personal information or answer survey questions to receive samples or other offers.

Surveys: We may ask you to provide general information such as household size and interests if you choose to participate in website surveys. You can always choose not to participate.

Consumer Services: We may request personal information so we can follow up with you as necessary if you contact our consumer service representatives.

Referrals: In some countries, you may forward product offers or other information to friends directly from a TheMortgageMess website. If you provide e-mail addresses by participating in these referral programs, the e-mail is only used to send the message you request.

Consumer Research: In some countries, we may ask if you want to participate in consumer research about our products or services. If you choose to participate, we may ask you additional information to help us better understand your needs. You can always choose not to participate.

Web Purchases: If our website provides the option to purchase products, and you choose to make an online purchase, we will ask for your credit card information.

Non-personal Internet Information: TheMortgageMess collects non-personal information such as browser type, operating system, and web pages visited to help manage our websites and make sure web pages display correctly.

Other Information: We may obtain other information about you such as change of address or demographic information from commercially available sources. We may also obtain contact information through commercially available mailing lists.

Our website programs give you choices. You can choose to receive e-mail from a specific TheMortgageMess brand or to receive offers from other TheMortgageMess brands, and in some countries information from other companies.

TheMortgageMess strives to keep your personal information accurate. You can correct or update the personal information you have provided. Some TheMortgageMess websites provide access to view or update personal information online. Check the website where you registered to learn if you can view or update your information there.

If information access and update is not available through the website, click here to select your country and be linked to the correct address or e-mail address to use. TheMortgageMess does not charge for this service and will respond to reasonable requests in an appropriate timeframe.

Our website, email and other interactive programs allow you to choose to receive or stop receiving communications from us. You may opt out of email programs at any time by following the opt out instructions provided in the email you receive. You can also be removed from TheMortgageMess programs you enrolled in or prevent further use of your personal information through this Privacy Policy. Please click here to select your country and be linked to the correct address or e-mail address to use.

TheMortgageMess uses cookies and web beacons to manage our website and e-mail programs. We do not use cookies or web beacons to collect or store personal information.

A cookie is a small file placed on your computer when you visit a website. Cookies are used to store non personal information used to manage your website experience such as your type of web browser. A cookie can also store preference information to customize your website experience.

Web beacons are small bits of computer code that help manage a website or e-mail such as to count how many people visit a web page or open an email.

Cookies and web beacons help us understand how consumers use our websites and emails so we can design better services in the future.

Most browsers automatically accept cookies. To learn more about cookies, including how to refuse cookies on your computer, click these links:

For Microsoft Internet Explorer: http://www.microsoft.com/info/cookies.htm
For Netscape Navigator: http://wp.netscape.com/legal_notices/cookies.html
http://www.allaboutcookies.org/cookies/

TheMortgageMess may use other companies to provide e-mail delivery or place advertising on other websites. TheMortgageMess does not control these companies’ use of cookies. If you would like to opt out of the cookies set by these companies, you can do so by the following the options provided by the Network Advertising Initiative at: http://www.networkadvertising.org/optout_nonppii.asp

TheMortgageMess will not share personal information with third parties (other marketers) unless we have clearly asked for and obtained your explicit consent. If you have not provided your consent, we will not share your personal information. If you provided your consent to share your personal information with other companies, we may share that information with companies who offer products and services that may be of interest to you. These companies may then contact you directly.

TheMortgageMess may use other companies to mail product samples, manage websites or contact contest winners on our behalf. TheMortgageMess will temporarily provide these companies with only the personal information they need to provide these services. We require these companies to protect this personal information to the same standard TheMortgageMess does and to not use the information for any other purpose.

If a TheMortgageMess brand is sold to another company, personal information provided to that brand may be transferred to the purchaser.

When required by law, and / or public authorities, TheMortgageMess will disclose personal information.

TheMortgageMess is committed to keeping personal information secure. We have appropriate technical, administrative and physical procedures in place to protect personal information from loss, misuse or alteration.

We limit access to information to individuals who have a business need consistent with the reason the information was provided. We keep personal information only for a reasonably needed amount of time.

When we contract with other companies to provide services for TheMortgageMess and then temporarily provide personal information with them for that purpose, we require those companies to protect the information to the same standard TheMortgageMess does.

When we collect or transmit sensitive information such as a credit card number or health information, we use Secure Sockets Layer (SSL) encryption for added protection. Your browser indicates that SSL is in place by displaying either an unbroken key or a closed lock at the bottom of your browser window.

When TheMortgageMess transfers personal information to countries other than the country where it was provided, we do so in compliance with applicable data protection laws.

TheMortgageMess protects personal information no matter what country it is stored in or transferred to. We have procedures and data transfer contracts as appropriate to help ensure this.

TheMortgageMess adheres to country data privacy laws, as well as the U.S. Department of Commerce Safe Harbor Program for the European Union Directive on Data Protection.

Children's Privacy

TheMortgageMess believes it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to participate in and monitor their online activity.

We do not intend to collect personal information from children, except on some websites directed to children. When we collect information from children, we do so in compliance with applicable children’s data protection laws. U.S. websites that collect information from children under the age of 13 are covered by a Privacy Policy that meets the requirements of the U.S. Children’s Online Privacy Protection Act. Click here to read that Privacy Policy.

When we collect personal information from children, we ask only for the information necessary to participate in the program for which the child is registering.

Parents can obtain a copy of, correct or update the personal information their child provided to TheMortgageMess. Parents can instruct us to no longer contact the child and to remove their child’s information.

Click here to find out how to obtain a copy of the information your child has provided TheMortgageMess, to update the information or to have your child's personal information removed.

Contact Us

If you have questions or concerns regarding your privacy, please contact TheMortgageMess directly. Please feel free to use your native language when sending your questions or comments.

info@themortgagemess.com

themortgagemess.com Incorporated
1188 Corte Ladera
San Marcos, CA 92069

TheMortgageMess is committed to working with consumers to obtain a fair resolution of any complaint or concern about privacy. We cooperate with country data protection authorities if they believe that a privacy problem has occurred.

By using this website or any other TheMortgageMess website, you signify your acceptance of this Privacy Policy, and you adhere to the terms and conditions posted on the website. If you do not agree with any of these terms in, please do not use this website or submit any personal information. This clause is not enforceable in member states of the European Union.

We will post changes to this online statement and update the effective date when this statement is updated.

Last updated: January 2007