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Your Privacy is Important!
Academy Mortgage is strongly committed to protecting the privacy of its clients. Throughout cyberspace, we want to contribute to providing a safe and secure environment for our clients. Academy Mortgage will not disclose personally identifiable information about you unless we have your explicit permission or when we believe in good faith that the law requires it. The purpose of this Academy Mortgage privacy policy is to inform you, as a client of Academy Mortgage or visitor to the Web Site, what kinds of information we may gather about you when you visit the Web Site, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information. This privacy policy applies to the Web Site and other Internet-accessible Academy Mortgage-branded services. Finally, please note that this policy applies only to the premtg.com Web Site, and not to other companies' or organizations' Websites to which we link or our clients may link while using our product.
Information About All Website Visitors
This website does not make use of "cookies". In general, our web site automatically gathers certain usage information like the numbers and frequency of visitors to the Web Site. We only use such data in the aggregate. This aggregate data helps us determine how much our clients use parts of the website, so we can improve our website to assure that it is as appealing as we can make it for as many of you as possible. We also may provide statistical "ratings" information, never information about you personally, to our Premtg.com partners about how our clients and visitors, collectively, use the Web Site. We do this so they too can understand how much people use these areas and our website in order for them to provide you with the best possible Web experience as well. Finally, premtg.com may use small pieces of code to determine on an anonymous basis which advertisements and promotions users have seen and how users responded to them, but do not use these technologies to collect personally identifiable information unless you give us permission to do so.
Information About You
If you are a Academy Mortgage client, when you access the Web Site you may obtain access to features of the premtg.com online service that contain personal information. Additionally, we may specifically ask for information about you when you sign up to use a service, or when you order a product. We will need certain information -- such as name, Internet address, billing address, social security number -- in order to provide that service or product to you. Academy Mortgage and premtg.com may share information in response to legal process, such as a court order or subpoena, or in special cases such as a physical threat to you or others. And, as we mention above, we may share with our Website partners' aggregated statistical "ratings" information about the use of the Web Site.
How is my information protected?
Whenever Personal Information about you is stored on our computers, that information is password-protected from unauthorized access or use. In addition, this information is kept on servers that are located behind a series of firewalls. Since your financial information and certain other Personal Information (i.e., your social security number) are especially sensitive, we take special care to keep it secure. We will only transmit or ask for this information over secure Internet connections, using SSL (Secure Sockets Layer) encryption, the currently accepted standard for online security, and security keys. Your social security number, credit card number and financial information are stored on secure, designated servers and access is limited to individuals in departments charged with using such information only in connection with processing your orders for products and services purchased; provided, however, that those orders processed by our partners provide the service or product requested may store such information on their servers which are governed by such third parties privacy policy. While this means you may have to enter this information more than once, we believe the added security is worth the extra effort.
Of course, we appreciate your help in safeguarding the integrity of your own and others' privacy. We hope you'll use common sense whenever you disclose Personal Information over the Internet. Just as importantly, we encourage you to let us know immediately if you suspect that the information you share with us is being used in any way contrary to this Privacy Policy. Finally, unfortunately no data transmission over the Internet or the storage of information on servers can be guaranteed to be 100% secure and while we strive to protect your personal information (as described herein), we cannot guarantee or warrant its complete security.
Privacy Policy Changes
If we elect to change our privacy policy for the Web Site, we will post those changes here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.
Website Terms of Use
Visitors are invited to visit oc-reversemortgage.com subject to these terms and conditions. You should read this Legal information carefully before using the Web Site. By using the Web Site, you assent to the following terms of use. If you do not agree to these terms, do not use the Web Site.
Scope of Use
You shall not use the oc-reversemortgage.com Web Site, in whole or in part, for any purpose that is unlawful or prohibited by these Terms and Conditions of or for any purposes other than those that are personal and non-commercial, provided, however, that a real estate commission shall not be considered a fee for the purposes hereof. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, transfer, download, post, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the oc-reversemortgage.com web site, including, but not limited to the text, graphics, logos, photos, and audio and visual files, without express written permission. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information. You agree that you will not use the oc-reversemortgage.com web site in any manner that could damage, disable, overburden, or impair the oc-reversemortgage.com web site or interfere with any other party's use and enjoyment of the oc-reversemortgage.com web site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the realassistoc.com web site.
Unauthorized individuals attempting to access any area of this site in a prohibited manner are subject to prosecution.
No Warranties
ALL INFORMATION ON THE WEB SITE IS PROVIDED TO USERS ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. USE OF THE WEB SITE AND THE CONTENT AVAILABLE ON THE WEB SITE IS AT THE SOLE RISK OF THE USER. OC-REVERSEMORTGAGE.COM DOES NOT WARRANT THAT USE OF THE WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE. IT IS THE RESPONSIBILITY OF EACH USER TO EVALUATE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION OR CONTENT AVAILABLE ON OR THROUGH THE WEB SITE. USERS SHOULD SEEK THE ASSISTANCE OF LICENSED MORTGAGE PROFESSIONALS REGARDING THE EVALUATION OF SPECIFIC CONTENT OBTAINED ON THE WEB SITE. USERS ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT THEY MAY OBTAIN FROM THE WEB SITE IS FREE OF VIRUSES OR ANY OTHER DESTRUCTIVE PROGRAMS OR CODE.
Limitation of Liability
OC-REVERSEMORTGAGE.COM SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE SITE, EVEN IF REALASSISTOC.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING LIABILITY IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO, THE WEB SITE, SOFTWARE, OR RELATED INFORMATION, RECORDS OR PROGRAMS.
Modifications to Rules and Content
OC-REVERSEMORTGAGE.COM RESERVES THE RIGHT TO MODIFY THE RULES AND REGULATIONS GOVERNING THE WEB SITE AT ANY TIME. MODIFICATIONS WILL BE POSTED ON THE WEB SITE, AND USERS ARE DEEMED TO BE APPRISED OF AND BOUND BY ANY CHANGES TO THESE RULES AND REGULATIONS. IN ADDITION, OC-REVERSEMORTGAGE.COM RESERVES THE RIGHT TO MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONTENT OF THE WEB SITE AT ANY TIME.
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