Saturday, August 19, 2017

Privacy


LearnHypnosisInYourHome.com respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. As an individual who is a user of our web sites or otherwise as a user of the services provided by LearnHypnosisInYourHome.com

We encourage you to read this Privacy Policy carefully when using our web sites or services or transacting business with us. By using our web sites, you are accepting the practices described in this Privacy Policy.

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

INFORMATION WE COLLECT ABOUT YOU
In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our web sites, the information may be sent to LearnHypnosisInYourHome.com servers located in the United States and other countries around the world.

Information You Provide. We may collect and store any personal information you enter on our web sites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your home or prospective home, your financial information (such as your income, assets, or debts), your Social Security number, personal information (such as your gender and age), and, if you lock-in a loan through Home Loan Center or LearnHypnosisInYourHome.com Loans, information about your lock-fee payment method (valid credit card number, type, expiration date or other financial information).

Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties. Examples of information that we may receive include credit reports, information about your home and additional demographic information. However, LearnHypnosisInYourHome.com does not pull a credit bureau report on loan customers without permission.

Information about Others. We may also collect and store personal information that you provide to us about other people (such as co-borrowers), including their name, address, phone number, Social Security number, financial information or other personal information.

Use of Cookies and Other Technologies to Automatically Collect Information. We use various technologies to collect information from your computer and about your activities on our web sites We automatically collect information from your browser when you visit our web sites This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see “Cookies” below) and the referring web site address.

Cookies. When you visit our web sites, we may assign your computer one or more cookies, to facilitate access to our web sites, to personalize your online experience, and to record information about your visit to our web sites Through the use of a cookie, we also may automatically collect information about your online activity on our web sites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our web sites 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 you may not be able to sign in or use some of the interactive features offered on our web sites

Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our web sites We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our web sites visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

Information Collected by Third Parties. We may allow third-parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our web sites We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to our web sites Our web sites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies. For a list of other third-party advertising companies we typically use, click here.

HOW WE USE THE INFORMATION WE COLLECT
In general. We may use information that we collect about you to:

* deliver the products and services that you have requested;
* manage your customer relationship and provide you with customer support;
* perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
* communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other LearnHypnosisInYourHome.com companies or other third parties;
* develop and display content and advertising tailored to your interests on our web sites and other web sites;
* verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
* enforce our terms and conditions;
* manage our business and
* perform functions as otherwise described to you at the time of collection.

Financial Information. We may use financial information to match you with lenders or to provide lenders’ conditional loan offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business, and, if you request a loan through LearnHypnosisInYourHome.com Loans or Home Loan Center, to determine your eligibility for a loan and to charge you for any lock or processing fees.

WITH WHOM WE SHARE YOUR INFORMATION
We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our web sites or while using our services.

Personal Information. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share all types of personal information with:

Authorized Service Providers. We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your request for a loan. These service providers may include credit bureaus, title companies, flood or other insurance providers, appraisal companies, escrow companies, closing agents, other financial institutions, marketing and customer services firms, credit card payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through our web sites, or that provide business analysis or web site support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose.

Business Partners. When you express interest in products, services or promotions offered through our web sites or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes, and, as applicable, their affiliates and third-party finder or marketing companies. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address and other information to those businesses.

Other Lenders or Investors. If you submit a completed application, we may share your personal information with lenders within our network with whom you are or may be matched, or if you are matched, third party investors to whom we intend to transfer your loan after closing. If you finish the loan application we may share your personal information with lenders within our network, who may help you complete your loan request or possibly extend conditional loan offers to you. However, no credit check will be performed by AvoidForeclousre.net unless you authorize us to do so by submitting a completed LRF.

The lenders with whom you are matched (i.e., the lenders with whom we may share your information) will be disclosed to you, and we will not share information with other lenders not disclosed to you. Because the lenders within our network with whom you are matched may retain or use your personal information whether or not you qualify for, or obtain, a loan from them, you should contact these lenders directly concerning their privacy and information sharing practices.

Other LearnHypnosisInYourHome.com Businesses. We may share information we collect, including personal information, with other LearnHypnosisInYourHome.com companies (some of which are non financial companies). Sharing information with the LearnHypnosisInYourHome.com companies enables us to provide you with information about a variety of products and services that might interest you. All LearnHypnosisInYourHome.com companies comply with this Privacy Policy. The LearnHypnosisInYourHome.com companies also will comply with applicable privacy and security laws and, at a minimum, in any commercial e-mail they send to you, will give you the opportunity to choose not to receive such e-mail messages from that company in the future. However, in no circumstance will LearnHypnosisInYourHome.com share with these companies any personally identifiable information that you provide to us if that information bears on your creditworthiness.

Special Notice to California Residents. LearnHypnosisInYourHome.com will not share any personal information about you with other LearnHypnosisInYourHome.com companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.

Special Notice to Vermont Residents. LearnHypnosisInYourHome.com will not share any personal information about you with other LearnHypnosisInYourHome.com companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

Other Situations. We also may disclose your information:

In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.

When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; to comply with applicable law or cooperate with law enforcement; or to enforce our web sites terms and conditions or other agreements or policies.

In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.

Any third parties to whom we may disclose personal information may have their own privacy policies that describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the web sites of those third parties. These entities or their servers may be located either inside or outside the United States.

Aggregated and Non-Personal Information. We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties and LearnHypnosisInYourHome.com companies to develop and deliver targeted advertising on our web sites and on web sites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our web sites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop web site content and services that we hope you and other users will find of interest and to target content and advertising.

Third Party Web sites There are a number of places on our web sites where you may click on a link to access other web sites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our web sites, you may be taken to a web site that we do not control. These third-party web sites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those web sites We recommend that you consult the privacy statements of all third-party web sites you visit by clicking on the “privacy” link typically located at the bottom of the web page you are visiting.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our web sites because such information may be required in order for you to obtain products or services from us.

Federal and state regulations require that we store completed loan LRFs for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our database until the expiration of the applicable period.

HOW WE PROTECT YOUR PERSONAL INFORMATION
We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. We use encryption in the transmission of your sensitive personal information between your system and ours, and we use firewall’s to help prevent unauthorized persons from gaining access to your personal information.

We want you to feel confident using our web sites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information. Please refer to the Federal Trade Commission’s web site for information about how to protect yourself against identity theft.

OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES
California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

* the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year
* the names and addresses of the third parties that received that information; and
* if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is privacy@LearnHypnosisInYourHome.com

Children’s Privacy
Our web sites are general audience sites, and we do not knowingly collect personal information from children under the age of 13.

Visiting our Web sites From Outside the United States
This Privacy Policy is intended to cover collection of information on our web sites from residents of the United States. If you are visiting our web sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties
This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our web sites

Changes to this Privacy Policy
We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the “last updated” date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an e-mail to the e-mail address you most recently provided us in your account, profile or registration (unless we do not have such an e-mail address), and/or by prominently posting notice of the changes on our web sites We recommend that you check our web sites from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

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