Privacy
 

Privacy

Effective Date: September 15, 2009

We Respect Your Privacy

At ApexRefinance.com, your privacy is a top priority for us and we are committed to protecting your privacy online. This Privacy Policy outlines the steps we've taken to ensure that you have a great experience at ApexRefinance.com, and also provides details on how we treat any personal information you may submit to us.

Information Collection and Use

  • Personally Identifiable Consumer Information - We collect and use personal information about you to respond to your request for products and services offered through this website. Such information may include, but is not limited to, the following: Name, City, State, Address, Zip Code, Work Phone, Home Phone, Email Address, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Loan Desired, and Best Time to Call.
  • Non-Personally Identifiable Consumer Information - We also collect various types of information from you to provide you with a better user experience. Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. The type of information your browser or Internet session may automatically provide us with can include the browser you are using, your Internet domain, the operating system on your computer, your IP address and the URL you saw just before coming to the ApexRefinance.com web site, the pages of the site you visited and the URL of the page you visited upon leaving the site.

    • Information Sharing and Disclosure

    We share personal information about you under the following circumstances:

    • Loan Products or Service Requests - If you submit a request for quotes for a loan product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value etc.) with lenders, which include banks, mortgage lenders and brokers (collectively, "Lender" or "Lenders") in our partner network to process and fulfill your request.

      By submitting your request to ApexRefinance.com, you understand that Lenders may contact you by telephone, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services or not.
    • Vendors - We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, or certain product functionalities. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose.
    • Subsidiaries, Parent or Sister Companies - We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies.
    • As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of ApexRefinance.com’s Terms of Use, or as otherwise required by law.
    • Business Transfer - As with any other business, it is possible that ApexRefinance.com in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by ApexRefinance.com, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.

    We Provide You with Choices

    • Non-Personally Identifiable Consumer Information - Use of Cookies & Opting-Out – We utilize cookies to collect information about your website activities and to recall the personal information you previously shared with us. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting ApexRefinance.com
    • Personally Identifiable Consumer Information - Opting-Out - You may choose whether or not to provide personally identifiable information to ApexRefinance.com. If you choose to provide such information to ApexRefinance.com, you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our newsletters, surveys or promotional communications via email, you may opt-out sending an email to optout@apexrefinance.com . To have your personal information completely removed from our databases, simply contact us at privacy@apexrefinance.com and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.

    Updating Your Personal Information

    To the extent that you do provide us with personally identifiable information, ApexRefinance.com wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Web, our goal is to provide a means of contacting us should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to privacy@apexrefinance.com and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.

    Cookies, IP Addresses and Clear GIFs

    To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. Cookies are not tied to your personal information. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet. We also employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information.

    Confidentiality and Security

    Wherever your personally identifiable information may be held within ApexRefinance.com or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while ApexRefinance.com will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.

    Third Party Links

    This Privacy Policy applies to all information that you provide to ApexRefinance.com. However, when you visit websites to which ApexRefinance.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. We encourage you to review the privacy policies of any other service provider from whom you request services.

    Children's Privacy

    You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

    Contacting Us

    If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us by sending an email to: privacy@apexrefinance.com.

    Your Consent

    By using this web site, you consent to the terms of our Privacy Policy.

    Changes to this Privacy Policy

    ApexRefinance.com may update or modify this Privacy Policy from time to time. Should the Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy. If you do not agree with the changes to our Privacy Policy, please do not continue to use this website. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

    Thank you for visiting our web site. We hope you have a pleasant experience while you are here.