XPERT MORTGAGE (the “Company”) is committed to maintaining robust privacy
understand how we collect, use and safeguard the information you provide to us and to
assist you in making informed decisions when using our Service.
For purposes of this Agreement, “Site” refers to the Company’s website, which can be
accessed at http://xpertmortgage1.com.
“Service” refers to the Company’s services accessed via the Site, in which users can submit
The terms “we,” “us,” and “our” refer to the Company.
“You” refers to you, as a user of our Site or our Service.
here: http://xpertmortgage1.com ), and you consent to our collection, storage, use and
I. INFORMATION WE COLLECT
We collect “Non-Personal Information” and “Personal Information.” N on-Personal
Information includes information that cannot be used to personally identify you, such as
anonymous usage data, general demographic information we may collect, referring/exit pages
and URLs, platform types, preferences you submit and preferences that are generated based on
the data you submit and number of clicks. Personal Information includes your email, name,
phone number, estimated income and estimated credit score which you submit to us through
the registration process at the Site.
1. Information collected via Technology
To activate the Service you do not need to submit any Personal Information other than your
email address. To use the Service thereafter, you do need to submit further Personal
Information ,which may include: bank statements, social security, pay stubs and
identification . However, in an effort to improve the quality of the Service, we track
information provided to us by your browser or by our software application when you view
or use the Service, such as the website you came from (known as the “referring URL”), the
type of browser you use, the device from which you connected to the Service, the time and
date of access, and other information that does not personally identify you. We track this
information using cookies, or small text files which include an anonymous unique
identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s
computer hard drive. Sending a cookie to a user’s browser enables us to collect
Non-Personal information about that user and keep a record of the user’s preferences when
utilizing our services, both on an individual and aggregate basis. For example, the
The Company may use both persistent and session cookies; persistent cookies remain on
your computer after you close your session and until you delete them, while session cookies
expire when you close your browser.
2. Information you provide us by registering for an account
In addition to the information provided automatically by your browser when you visit the
Site, to become a subscriber to the Service you will need to create a personal profile. You can
create a profile by registering with the Service and entering your email address, and
creating a user name and a password. By registering, you are authorizing us to collect, store
3. Children’s Privacy
The Site and the Service are not directed to anyone under the age of 13. The Site does not
knowingly collect or solicit information from anyone under the age of 13, or allow anyone
under the age of 13 to sign up for the Service. In the event that we learn that we have
gathered personal information from anyone under the age of 13 without the consent of a
parent or guardian, we will delete that information as soon as possible. If you believe we
have collected such information, please contact us at firstname.lastname@example.org
II. HOW WE USE AND SHARE INFORMATION
share for marketing purposes your Personal Information with third parties without your
consent. We do share Personal Information with vendors who are performing services for
the Company, such as the servers for our email communications who are provided access to
user’s email address for purposes of sending emails from us. Those vendors use your
In general, the Personal Information you provide to us is used to help us communicate with
you. For example, we use Personal Information to contact users in response to questions,
solicit feedback from users, provide technical support, and inform users about promotional
We may share Personal Information with outside parties if we have a good-faith belief that
access, use, preservation or disclosure of the information is reasonably necessary to meet
any applicable legal process or enforceable governmental request; to enforce applicable
Terms of Service, including investigation of potential violations; address fraud, security or
technical concerns; or to protect against harm to the rights, property, or safety of our users
or the public as required or permitted by law.
In general, we use Non-Personal Information to help us improve the Service and customize
the user experience. We also aggregate Non-Personal Information in order to track trends
or disclosure of Non-Personal Information and we reserve the right to use and disclose such
Non-Personal Information to our partners, advertisers and other third parties at our
In the event we undergo a business transaction such as a merger, acquisition by another
company, or sale of all or a portion of our assets, your Personal Information may be among
the assets transferred. You acknowledge and consent that such transfers may occur and are
practices change at any time in the future, we will post the policy changes to the Site so that
you may opt out of the new information practices. We suggest that you check the Site
periodically if you are concerned about how your information is used.
III. HOW WE PROTECT INFORMATION
We implement security measures designed to protect your information from unauthorized
access. Your account is protected by your account password and we urge you to take steps
to keep your personal information safe by not disclosing your password and by logging out
of your account after each use. We further protect your information from potential security
breaches by implementing certain technological security measures including encryption,
firewalls and secure socket layer technology. However, these measures do not guarantee
that your information will not be accessed, disclosed, altered or destroyed by breach of such
firewalls and secure server software. By using our Service, you acknowledge that you
understand and agree to assume these risks.
IV. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION
You have the right at any time to prevent us from contacting you for marketing purposes.
When we send a promotional communication to a user, the user can opt out of further
promotional communications by following the unsubscribe instructions provided in each
promotional e-mail. You can also indicate that you do not wish to receive marketing
communications from us in the “Settings” section of the Site. Please note that
notwithstanding the promotional preferences you indicate by either unsubscribing or
opting out in the “Settings” section of the Site, we may continue to send you administrative
V. LINKS TO OTHER WEBSITES
As part of the Service, we may provide links to or compatibility with other websites or
applications. However, we are not responsible for the privacy practices employed by those
does not apply to your use of a third party website accessed by selecting a link on our Site
or via our Service. To the extent that you access or use the Service through or on another
apply to your access or use of that site or application. We encourage our users to read the
privacy statements of other websites before proceeding to use them.
The Company reserves the right to change this policy and our Terms of Service at any time.
primary email address specified in your account or by placing a prominent notice on our
site. Significant changes will go into effect 30 days following such notification. Non-material
changes or clarifications will take effect immediately. You should periodically check the Site
and this privacy page for updates.
VII. CONTACT US
contact us by sending an email to email@example.com