As a Mpricer user, you are in control of all your loan pricing. We know you want to remain in control of your personal and professional information as well. As one of the pioneers in online mortgage pricing, we realize that earning and retaining your trust is of paramount importance and it's a responsibility we take very seriously, every day.
That's why we've provided this Privacy Policy, which sets forth our policies regarding the collection, use and protection of the personal information of those using the Mpricer website. Personal information means information that can be linked to a specific individual, such as name, address, telephone number, e-mail address and credit card number.
We encourage you to review our Privacy Policy, and become familiar with it, but you should know that we do not rent, sell, or release our customers' professional or personal information to third parties.
Please note that we review our Privacy Policy from time to time, and we may make periodic changes to the policy in connection with that review. Therefore, you may wish to bookmark this page and/or periodically review this page to make sure that you have the current version.
This Privacy Policy explains the following:
What personal information does
Mpricer gather from me and how is this information used?
We do not knowingly permit the site to be used by any unlicensed mortgage professional or person under the age of eighteen and we do not knowingly collect any personal information from children (meaning those younger than thirteen years of age). A valid credit card is required to make a purchase on our site.
Making a Purchase
In order to purchase a subscription and related services through our site, you must
provide us with certain personal information such as your name, your credit card
number and expiration date, your credit card billing address, your telephone number,
and your e-mail address. We require this information so that we can process, fulfill
and confirm your transactions and keep you informed of each transaction's status.
All transactions are currently being done through Pay Pal, and no credit card
information will be used or stored on the mpricer site.
Member Registration
If you choose to become a registered member of Mpricer, you must provide your name,
address, telephone number, e-mail address, and password. This information is
collected on the registration form for several reasons including: (i) personal
identification; (ii) to verify that you are licensed loan officer with access to
investor pricing; (iii) to allow us to contact you for customer service purposes, if
necessary; (iv) to customize the content of our site to meet your specific needs;
and (v) to make product improvements to our site. In addition, we need your e-mail
address to confirm your new member registration. As a Mpricer member you will also
occasionally receive updates from us about new Mpricer services, and other
noteworthy items. However, you may choose at any time to no longer receive these
types of e-mail messages. Please see our Opt-Out policy
described below for details.
Newsletters
Mpricer's newsletters are optional benefits you may choose to subscribe to that keep
you up to date with the latest special deals and latest announcements.
Automatic Logging of Session Data
We automatically log generic information about your computer's connection to the
Internet, which we call "session data".. Session data consists of things such as IP
address, operating system and type of browser software being used and the activities
conducted by the user while on our site. An IP address is a number that lets
computers attached to the Internet, such as our web servers, know where to send data
back to the user, such as the pages of the site the user wishes to view. We collect
session data because it helps us analyze such things as what items visitors are
likely to click on most, the way visitors are clicking through the site, how many
visitors are surfing to various pages on the site, how long visitors to the site are
staying and how often they are visiting. It also helps us diagnose problems with our
servers and lets us better administer our systems. It is possible to determine from
an IP address a visitor's Internet Service Provider (ISP) and the approximate
geographic location of his or her point of connectivity.
Cookies
"Cookies" are small pieces of information that are stored by your browser on your
computer's hard drive. There are many myths circulating about cookies, but you
should know that cookies are only read by the server that placed them, and are
unable to do such things as run programs on your computer, plant viruses or harvest
your personal information. The use of cookies is very common on the Internet and
Mpricer's use of cookies is similar to that of any other reputable site that
requires a username and login to access protected information.
First and foremost, you can rest assured that no personal
information about you is gathered or stored in the cookies placed by the Mpricer.com
web site and, as a result, none can be passed on to any third parties.
Cookies allow us to serve you better and more efficiently, and to personalize your
experience at our site. Mpricer uses cookies to personalize your experience on our
site and with respect to advertisements. As to the former, these types of cookies
allow you to log in without having to type your log-in name each time (only your
password is needed). No personal information about you is gathered
through the use of these types of cookies.
Most web browsers automatically accept cookies. Of course, by changing the options
on your web browser or using certain software programs, you can control how and
whether cookies will be accepted by your browser. Mpricer supports your right to
block any unwanted Internet activity, especially that of unscrupulous websites.
However, blocking Mpricer cookies may disable certain features on our site and may
make it impossible to purchase or use certain services available on the site. Please
note that it is possible to block cookie activity from certain web sites while
permitting cookies from sites you trust, like Mpricer. Click here for more information.
Other
From time to time we may add or enhance services available on the site. To the
extent these services are provided and used by you, we will use the information you
provide to facilitate the service requested. For example, if you email us with a
question, we will use your email address, name, nature of the question, etc. to
respond to your question. We may also store such information to assist us in making
the site the better and easier to use.
With whom (if anyone) will my personal
information
be shared?
When you purchase a subscription online through Mpricer, we direct your request directly to the Pay Pal website, and that portion of your personal information that is needed for the successful fulfillment. Mpricer reserves the right to limit membership to those who will accept e-mails. Members will be notified via e-mail prior to any actions taken.
How can I opt-out of receiving your promotional
emails?
Our Opt-out Policy
At any time, you can unsubscribe from our promotions or other newsletter or similar services through the link provided on any email that we send. The link will be on the bottom of the email and will be marked as "Opt-Out". You may also send us an email by clicking here. Mpricer reserves the right to limit membership to those who will accept e-mails. Members will be notified via e-mail prior to any actions taken.
How can I update or correct my personal
information?
At any time, you can view and/or update your Profile or other service preferences. You can update your personal profile through the "My Profile" tab, accessible on the left navigational bar after successfully logging into the mpricer webiste.
What safeguards are in place to protect the loss,
misuse or alteration of your information?
All personal information you provide to Mpricer is transmitted using SSL (Secure Socket Layer) encryption. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. In addition, when you make subscription purchases on Mpricer, you are protected by Pay Pal's Privacy Policy.
What other information should I
know about my privacy?
Mpricer contains links to other web sites. Please note that when you click on one of these links, you are entering another web site for which Mpricer has no responsibility. We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. Of course, you are solely responsible for maintaining the secrecy of your passwords and your Mpricer membership account information. Please be very careful, responsible, and alert with this information, especially whenever you're online.
In addition to the circumstances described above, Mpricer may disclose member information if required to do so by law, court order, as requested by other government or law enforcement authority, or in the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights or properties of Mpricer or its affiliated companies or when we have reason to believe that disclosing the information is necessary to identify, contact or bring legal action against someone who may be causing interference with our rights or properties, whether intentionally or otherwise, or when anyone else could be harmed by such activities. In addition, if Mpricer or substantially all of its assets are acquired, our customer information will most likely also be transferred in connection with such acquisition.
What we do NOT do: a warning about
"phishing"
We do not and will not, at any time, request your credit card information, login name, or password, in an unsecure or unsolicited e-mail or telephone communication.
Identity theft and the practice currently known as "phishing" are of great concern to us. Safeguarding information to help protect you from identity theft is our priority. For more information about phishing, you may want to visit the Federal Government website "OnGuard Online" at http://onguardonline.gov/phishing.html.
This Privacy Policy is effective as of May 03, 2008. We may change or supplement this Privacy Policy from time to time. Any material changes in the way Mpricer uses personal information will be described in future versions of this Privacy Policy. Privacy Policy changes will apply to the information collected from the date we post the revised Privacy Policy, as well as to existing information held by us. If we decide to change this Privacy Policy in a material way, we will obtain the necessary consents required under applicable privacy laws if we seek to collect, use or disclose personal information for purposes other than those for which consent has been obtained, unless otherwise required or permitted by law. If any proposed change is unacceptable to you, you may request that we remove your personal information from our records by clicking here. Of course, you may always submit concerns regarding our Privacy Policy or our privacy practices via email by clicking here. Please reference the privacy policy in your subject line. Mpricer will attempt to respond to all reasonable concerns or inquiries within five business days of receipt. You can also write to us in care of Mpricer, 5016 N Parkway Calabasas, Suite 200, Calabasas, CA 91302 Attn: Privacy Team.
Thank you for using Mpricer!