Privacy and Legal Information

Privacy Policy

Your privacy is our top concern. We work hard to earn and keep your trust, and to protect your privacy. Any information you provide will be secured with industry-standard protocols and technology, including Secure Sockets Layer (SSL).

We take the privacy of our users very seriously. We will never sell, rent, or otherwise provide your Personally Identifiable Information (PII) to any third parties for marketing purposes. We will only share your Personally Identifiable Information (PII) with third parties to carry out your instructions and to provide specific services you have requested using the prequalification letter request form. For example, we will provide your prequalification letter request with your contact information to the lender from which you are requesting a prequalification letter. We will never provide your letter request and contact information to any lender or third party other than the lender from which you have requested the letter.

Additionally, we do not collect data deemed to be Personally Identifiable Information (PII). The only data we collect is: Name, Email, Phone (optional), Co-Borrower Name (Optional), Email (Optional), Phone (Optional), Proposed Loan Amount, Proposed Loan Type and Proposed Down Payment Amount.

Please note: we DO NOT collect social security numbers, driver’s license or state ID numbers, account numbers, property addresses, birth dates or other information deemed to be Personally Identifiable Information (PII) by most state and Federal laws.

If you have questions or concerns regarding this Privacy Policy, please email us at: security@prequalificationLetter.com.

Information Collection

Personally Identifiable Information:
PrequalificationLetter.com is an online service dedicated to assisting homebuyers and real estate agents in receiving a prequalification letter from a mortgage lender. Users provide information to PrequalificationLetter.com when registering to use the website and when requesting or sending a prequalification letter. The contact information you choose to provide on this site, such as your name, email address, or other contact information, allows us to request, send and receive prequalification letters. Other information, that does not personally identify you as an individual, is collected by PrequalificationLetter.com from the site (such as, by way of example, patterns of use) and is exclusively owned by PrequalificationLetter.com. This information can be used by PrequalificationLetter.com in any manner as PrequalificationLetter.com, in its sole discretion, deems appropriate.

Cookies & Log Files:
Like most web sites, this site may use cookies and web log files to track site usage. At this time, PrequalificationLetter.com uses cookies in the form of Google Analytics to track visitor traffic to the website. To read more about Google Analytics and cookies, please click here. A cookie allows us to recognize you as a user when you return to our site using the same computer and web browser. Through the use of a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements on which you click and other actions you take while on our website. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that some of the features and services of our website may not function properly.

This site may also use web beacons to collect information. Web beacons are, like cookies, small files that enable an ad server to recognize a visitor’s cookie when the visitor returns to a particular site. Web beacons may also be used in e-mail advertising to help track which e-mail messages have been opened. Web beacons are used to track the movement of visitors to our sites and, like cookies, are not tied to any personal information.

This privacy statement covers the use of cookies, log files, and beacons by this site only and does not cover the use of these items by any advertisers or websites you visit other than PrequalificationLetter.com.

Due to the communications standards on the Internet, when you visit the web site we automatically receive the URL of the site from which you came and the site to which you are going when you leave our site. We also receive the Internet protocol (IP) address of your computer (or the proxy server you use to access the World Wide Web), your computer operating system and type of web browser you are using, as well as the name of your ISP. This information is used to analyze overall trends to help us improve the service.

The linkage between your IP address and your personally identifiable information is never shared with third parties without your permission or except when required by law.

Eligibility:
You must be at least 18 years old to have our permission to use this site. Our policy is that we do not knowingly collect, use or disclose any information, including Personally Identifiable Information (PII), about visitors that are under 18 years of age.

Communications:
PrequalificationLetter.com will communicate with you through email and notices posted on this website. PrequalificationLetter.com may send you promotional information unless you have opted out of receiving this information. If you wish to opt-out of receiving promotional emails, please send a request to security@prequalificationLetter.com.

Information Sharing

Sharing Information With Third Parties:
We take the privacy of our users very seriously. We will never sell, rent, or otherwise provide your personally identifiable information to any third parties for marketing purposes. We will only share your information with third parties to carry out your instructions and to provide specific services you have requested using the prequalification letter request form. We may provide aggregated data about the use of our services to third-parties for purposes as we deem, in our sole discretion, to be appropriate. We may segment our users by age, industry, and geographic location. If you would like to be excluded from the aggregated research or products based upon aggregated data about our users’ activities on the site, please email us at security@prequalificationLetter.com.

Third Party Links and Policies:
Our website contains links to other websites owned and operated by third parties. These third parties and their servers may be located in the United States or in other countries. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle information they may collect about you.

Legal Disclaimer:
It is possible we may need to disclose personally identifiable information when required by law. We will disclose this information when we have a good-faith belief that it is necessary to comply with a court order, ongoing judicial proceeding, or other legal process served on our company, or to exercise our legal rights or defend against legal claims.

Changes to this Privacy Policy
Notice of all changes that materially affect ways in which your personally identifiable data may be used or shared will be posted in updates to our Privacy Policy. If you continue to use our service after notice of changes is published on our site, your use is your consent to the changed practices. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you.

Questions or Comments
If you have questions or comments about this privacy policy, please email us at security@prequalificationLetter.com.

Terms of Use Agreement

What is PrequalificationLetter.com?
PrequalificationLetter.com is a service that provides technology for lenders and customers to request and receive prequalification letters via email. The services offered by PrequalificationLetter.com (“PrequalificationLetter.com” or “we”) include the PrequalificationLetter.com website (“Website”), and any other features, content, or applications offered from time to time by PrequalificationLetter.com. PrequalificationLetter.com DOES NOT provide any mortgage services, debt settlement, debt management, or other credit counseling services. We ONLY provide technology for customers, realtors and lenders to request and send prequalification letters to each other. PrequalificationLetter.com does not qualify or approve a borrower and is not a financial services provider. PrequalificationLetter.com is a technology service. PrequalificationLetter.com is hosted, owned and operated in the United States.

Terms of Use Agreement
This Terms of Use Agreement (“Agreement”) sets forth the legally binding terms for your use of PrequalificationLetter.com. By using PrequalificationLetter.com, you agree to be bound by this Agreement. The term “User” or “you” refers to anyone accessing or using services of the site. You are only authorized to access the Website (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. Please read this Agreement carefully and save it. If you do not agree with it, you should discontinue use of the Website.

Services and Content
This Agreement includes PrequalificationLetter.com’s policy for acceptable use of the services and content posted on the Website, your rights, obligations and restrictions regarding your use of the Website, and PrequalificationLetter.com’s Privacy Policy. In order to use some features of the Website, you may be notified that you are required to agree to additional terms and conditions. Unless otherwise provided by the additional terms and conditions applicable to the services in which you choose to participate, those additional terms are incorporated into this Agreement.

Duties and Nature of Relationship
You, the user(s), have requested assistance in requesting, receiving and/or sending prequalification letters. We are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various service providers from time to time. While we will seek to assist you in meeting your prequalification letter needs, we do not distribute the products of lenders, investors, debt settlement, management, or credit counseling companies in the market.

Amendments
PrequalificationLetter.com may modify or amend this Agreement from time to time and any modification or amendment is effective upon posting by PrequalificationLetter.com on the Website. You agree to be bound to any changes to this Agreement when you access the Website after any modification or amendment is posted. It is important that you review this Agreement regularly to ensure you are updated as to any changes.

Privacy Policy
Use of PrequalificationLetter.com is also governed by our Privacy Policy, which is incorporated into this Agreement by this reference.

Disclaimers
PrequalificationLetter.com is not responsible for any incorrect or inaccurate content posted on the PrequalificationLetter.com website or in connection with PrequalificationLetter.com, whether caused by Users of PrequalificationLetter.com or by any of the equipment or programming associated with or used by PrequalificationLetter.com. PrequalificationLetter.com may contain links to other websites. PrequalificationLetter.com is not responsible for the content accuracy or opinions expressed on those websites, and those websites are in no way investigated, monitored or checked for accuracy or completeness by PrequalificationLetter.com. Inclusion of any linked website on PrequalificationLetter.com does not imply approval or endorsement of the linked website by PrequalificationLetter.com. When you access these third-party sites, you do so at your own risk.

PrequalificationLetter.com takes no responsibility for third party advertisements, which are posted on this Website or through PrequalificationLetter.com, nor does it take any responsibility for the goods or services provided by its advertisers. PrequalificationLetter.com is not responsible for the conduct, whether online or offline, of any User of PrequalificationLetter.com. PrequalificationLetter.com assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of any User communication. PrequalificationLetter.com is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on PrequalificationLetter.com or combination thereof, including any injury or damage to Users or to any person’s computer related to or resulting from participation or downloading materials in connection with PrequalificationLetter.com. Under no circumstances shall PrequalificationLetter.com be responsible for any loss or damage, including personal injury or death, resulting from use of PrequalificationLetter.com, from any content posted on or through PrequalificationLetter.com, or from the conduct of any Users of PrequalificationLetter.com, whether online or offline. PrequalificationLetter.com services and Website are provided “as-is” and as available, and PrequalificationLetter.com expressly disclaims any warranty of fitness for a particular purpose or non-infringement. PrequalificationLetter.com cannot guarantee and does not promise any specific results from use of PrequalificationLetter.com.

Limitation of Liability
PREQUALIFICATIONLETTER.COM IS NOT LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT DAMAGES, LOST OF ANTICIPATED PROFITS, OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY KIND, ARISING FROM YOUR USE OF THIS SITE OR INABILITY TO USE THIS SITE, EVEN IF PREQUALIFICATIONLETTER.COM HAS BEEN ADVISED OF THE POSSIBILITY OF THE DAMAGES.

No Liability for Events Beyond Our Control
PrequalificationLetter.com shall not be liable or responsible for any interruption or inability to perform services or related losses caused by events beyond PrequalificationLetter.com’s control, such as natural disasters, wars, riots, strikes, computer failures or losses of power, communications, or transportation facilities.

Disputes
If there is any dispute between you and PrequalificationLetter.com, you agree that the dispute shall be governed by the laws of the State of Texas, USA, without regard to conflict of law provisions, and you agree to exclusive personal jurisdiction and venue in the state and federal courts of the United States located in the State of Texas, City of Austin. Either PrequalificationLetter.com or you may request that any dispute between PrequalificationLetter.com and you about or involving PrequalificationLetter.com be settled by arbitration utilizing the dispute resolution procedures of the American Arbitration Association (AAA) in Austin, TX, USA, provided that the foregoing shall not prevent PrequalificationLetter.com from seeking injunctive relief in a court of competent jurisdiction or from filing any other litigation proceeding.

Indemnity
You agree to indemnify and hold PrequalificationLetter.com, its subsidiaries, and affiliates, and their respective officers, directors, owners, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of PrequalificationLetter.com, any content, and services in violation of this Agreement and/or arising from a breach of this Agreement, and/or any breach of your representations and warranties in this Agreement or the Privacy Policy.

Ownership & Proprietary Rights
This website is owned by Lender Tech, LLC. All content displayed on the website, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the website, all content contained on the website is the property of Lender Tech, LLC and/or its third-party licensors. Except as expressly authorized by Lender Tech, LLC, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of the content.

Fees
PrequalificationLetter.com does not charge home buyers and real estate agents for use of the website or services. There is no fee to submit an inquiry on PrequalificationLetter.com. PrequalificationLetter.com seeks to connect you with service providers for the financial services you are requesting. PrequalificationLetter.com receives its compensation directly from service providers for the services provided by PrequalificationLetter.com.

Other
The effective date of this privacy policy is October 1, 2014.

Your acceptance of this Agreement is deemed by your use of the Website or any of the services provided by PrequalificationLetter.com. This Agreement constitutes the entire agreement between you and PrequalificationLetter.com regarding the use of PrequalificationLetter.com. The failure of PrequalificationLetter.com to exercise or enforce any right or provision of this Agreement is not a waiver of that right or provision. The section titles in this Agreement are for convenience only and have no legal or contractual effect.

PrequalificationLetter.com is a trademark of Lender Tech, LLC. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

If you believe there is any misuse of the Website or services by any person, please contact security@prequalificationLetter.com.

Please contact us at: security@prequalificationLetter.com with any questions regarding this Agreement.