This privacy statement describes how Lenders Block collects and uses the personal information you provide on our Web site: www.lendersblock.com . It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance.
If you have questions or concerns regarding this policy, you should first contact the Lenders Block Site Coordinator at our Customer Service Department.
Lenders Block takes the privacy of your personal information very seriously. Upon submission of your personal information to our site, we understand that you are entrusting us with your personal information to help us match you with a bank, lender or loan broker (collectively referred to as "Lenders"), real estate professional, insurance company and/or financial services company in our network that is able to provide you with the product and/or service for which you have expressed an interest. In exchange, we have implemented the following policies and procedures to protect your privacy. Under no circumstances will Lenders Block sell or share any personal information about you to or with any person or organization except as authorized by you, except to those parties whom are necessary to fulfill your request, or as may be required by law or court order.
Secured Web Pages
All of the pages on our Web site where you input your personal information are delivered to your browser through HTTPS, a secure mode of communication. You can verify this encryption by searching for the key (Netscape) or lock (Internet Explorer) icon on your browser.
When you submit your personal information to us, it is protected by SSL (Secure Sockets Layer) Technology. The SSL technology is used to prevent others from intercepting and reading your personal information by using mathematical formulas to scramble the data being transmitted in such a way that it can only be deciphered by Lenders Block.
Your personal information is not stored our Web server, but rather in a different location that is separated from the Internet. In the unlikely event that our Web site is "hacked," your personal information will still remain in a secure out of reach location.
What we want you to understand:
1. Who We Are
Lenders Block is an emerging online marketplace that connects interested consumers to various Lenders, real estate professionals, insurance companies and/or financial services companies in its network. Currently, there are over 1000 participants in our continually expanding national network. When you visit our Web site to request a particular type of product or service, all you need to do is complete a simple online request form. Based on the personal information you supply to us, Lenders Block will transmit such information to the lenders, real estate professionals, insurance companies and/or financial services companies in its network that are best able to assist you with the product and/or service in which you have expressed an interest. If you would like information regarding Lenders Block’s licensing status, please see our Disclosures section.
2. Collection of Information
There are several areas throughout the Lenders Block site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any of your personal information to or with any person or organization except as authorized by you, except to those parties whom are necessary to fulfill your request, or as may be required by law or court order.
We collect the following Information from you:
Contact Information such as name, email address, mailing address, home phone number, work phone number
Demographic information such as age, education, gender, interests and zip code. As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.
Person Financial Information
When you come to the Lenders Block site to complete a form indicating your desire for a certain type of product or service, you'll need to provide various personal and financial information which is not limited to House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, Current Payment, Declared Bankruptcy, Credit Rating, Employment, Years Employed, Yearly Income, Monthly Debt, Loan Desired, and Best Time to Call and other financial information depending upon the type of product or service you are seeking.
Some of the information you provide to us may be optional. If you provide us with this optional information, it will not be sold or shared to or with any person or organization except as authorized by you, except to those parties whom are necessary to fulfill your request, or as may be required by law or court order.
We use this information to:
Technical information we collect
In order for Lenders Block to ensure that we are providing our users with the best possible consumer experience on our site, we gather and track certain user information. We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users to detail their viewing preferences. Consequently, collected information is tied to the user’s personally identifiable information to provide offers and improve the content of the site for the user. This profile is used to tailor a user’s visit to our Web site and to direct pertinent marketing promotions to them. Your profile, if shared, is shared in aggregate form only with other third parties.
When you visit the Lenders Block Web site, our Web server sends a cookie to your computer. A cookie is a piece of data stored on your computer which simply stores a limited amount of information about your site visit and tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, email address, phone number, etc. as you browse the site. These cookies cannot be related to you as an individual unless you complete one of our online request forms.
Third Party Advertising
If you come to the Lenders Block Web site from an online banner ad, an anonymous identification number may be passed to our site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising campaigns.
Lenders Block also utilizes Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including the number of visitors to our site, operating systems, Internet Provider addresses (if publicly available), and browser type. Unlike cookies, Web Logs are maintained only on Lenders Block servers and do not store or place anything on the user's computer.
Lenders Block employs a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), 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 movements of Web users. The main difference between the two is that clear gifs are invisible on the page and are much smaller, about the size of the period at the end of this sentence. Clear gifs are not tied to users’ personally identifiable information.
In addition, we use clear gifs in our HTML-based emails to let us know which emails have been opened by the recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
Information obtained from the "Contact Us" section of a Lenders Block Web site
You may contact Lenders Block directly through the "Contact Us" feature. Your participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us.
In the Contact Us form, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. This information will not be sold to any person or organization. However, your information may be shared with other parties relevant to your transaction to help resolve any issues you report to us.
Information obtained from Lenders
The "Lenders" section of our Web site contains information for Lenders who wish to join the Lenders Block network. If you are a Lender and you submit a form requesting more information, your name and other identifying information will not be sold or shared with any person or organization.
Your e-mail address or telephone number may be used by authorized Lenders Block employees to contact you concerning your request.
Your e-mail address or telephone number may be used by authorized Lenders Block employees to contact you concerning your request.
Information obtained from the "Affiliates" section of a Lenders Block Web site
The "Affiliates" section contains information for affiliates who wish to join the Lenders Block Affiliate Program and advertise Lenders Block's service on their site. If you would like to become an affiliate, you may submit an application containing personal information such as your name, e-mail address, telephone number and address. If you use Lenders Block's service through an affiliate site, under no circumstances will an affiliate ever see your information.
You will receive an e-mail from Lenders Block indicating whether or not you have been approved to participate in its Affiliate Program. If approved, we will use your e-mail address to inform you of Affiliate Program news and updates. You may withdraw your membership from the Affiliate Program at any time by sending an e-mail to email@example.com. If you choose to withdraw, you will not receive any further e-mails regarding the Lenders Block Affiliate Program.
If you come to a Lenders Block site through an affiliate site, Lenders Block will never sell or share your information with that, or any other, affiliate. All transactions take place on Lenders Block's servers. Please see our Security section for more information on how we protect the integrity of your data.
Information obtained from the "Calculators" section of our site
Lenders Block makes several resources available to you to help you complete an online request form. One of these resources is the "Calculators" section of our site. We do not collect any personal data you may input into to any calculators on our site.
3. How Your Information is Used
We use the information you provide on your online request to match you with participating Lenders, mortgage brokers, insurance companies, financial services companies or authorized agents. We may also send your information to other third parties relevant to your transaction. Lenders Block may also share certain aggregated data with the participants in our network and other third parties for general marketing and demographic purposes, however, this data DOES NOT include any of your personal identifying information.
Sharing information with the participating Lenders, mortgage brokers, insurance companies and financial services companies in our network.
Upon clicking on the "Submit" button, the information that you provide to us via our online request form will be sent through the Lenders Block system and presented to transmit to the Lenders,mortgage brokers, insurance companies and/or financial services companies in our network that are able to provide you with the product and/or service in which you have expressed an interest. The participants in our network may keep and use your information whether or not you qualify for their products and/or services, we recommend that you contact them directly for more information about their specific privacy policies.
Once the participants in our network receive your information, they may contact you directly via phone, e-mail, text or other method of communication. All of the participants in our network operate under federal and/or state laws and regulations and believe, as we do, that the Internet is an exciting, efficient and secure place to do business. If you are matched with a participant in our network, the individual or company which you choose will report certain information about the product and/or services you choose to Lenders Block, and Lenders Block will treat that information in the manner it treats the information you provided on your loan online request. As the participants in our network may keep and use your information whether or not you qualify for their products and/or services, we recommend that you contact them directly for more information about their specific privacy policies.
Sharing information with third parties
Lenders Block may notify you about special offers from one of our promotional partners. At your request, Lenders Block will not send you any information or offers unrelated to your request for financing. If you do not wish to receive any of these offers, please visit our Opt-Out section where you can remove yourself from our mailing list. We do not reveal your name, address or any other identifying information to that promotional partner unless you request us to do so.
We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.
We may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.
We may also disclose your personal information
To any other third party with your prior consent to do so.
We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at firstname.lastname@example.org .
4. Altering Information You Submit Through a Lenders Block Web Site
Lenders Block puts you in control of your experience on our Web site. Our site is easy to navigate and will enable you to easily find all the information you need to complete your transaction.
Changing your information
If you need to update your information provided to Lenders Block via an online request form, you can simply update your information by submitting a new online request form. If you are unable to complete this online, you may contact our Customer Service Department for assistance.
If you want to change the type of request or make other significant changes to your online requests, you should make a new request through our Web site. If you wish to opt-out of receiving Lenders Block emails, you can visit our Opt-Out section. If you wish to change your subscription to Lenders Block emails, you can simply visit our Opt-Out section to remove yourself and your old information from our mailing list and then revisit our subscription area located on the Home page of this Web site.
Deleting your information
Applicable federal and state laws, rules and/or regulations may require that we store your online requests for various periods of time. In order to comply with those legal requirements, we cannot delete such information from our databases. We store all of the information you might provide securely. You can visit our Security section to learn more about how we do this.
Request to stop receiving emails from us
Periodically, Lenders Block may send you emails to alert you to money saving tips or special offers. If you do not wish to receive any of these offers, please visit our Opt-out section where you can remove yourself from our mailing list.
Lenders Block sites have security measures in place to protect the loss, misuse and alteration of the information under our control. Please visit our Security section for a detailed explanation.
5. Communications Lenders Block via Special Offers, Updates and Newsletters.
Established members will occasionally receive information on products, services and special deals via emails and/or newsletters. At your request, Lenders Block will not send you any information or offers unrelated to your online requests. If you do not wish to receive any of these offers, please visit our Opt-out section where you can remove yourself from our mailing list.
6. Choice Opt-Out
At Lenders Block you are given the opportunity to ‘Opt-Out’ of having your information used for purposes not directly related to your online requests. For example, our e-mail has an ‘Opt-Out’ mechanism so users who don’t want any marketing material not directly related to their online requests can keep their email address off of our lists.
Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by contacting Customer Service at the number listed below or selecting and removing themselves from our mailing list.
Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.
You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at email@example.com .
Information Obtained from Third Parties We purchase marketing data about our customers from third parties and combine it with information we already have about you, to create more tailored advertising and products.
If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
Lenders Block Web site contains links to other sites. Please be aware that Lenders Block is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by Lenders Block.
8. Notification of Changes
9. Legal Actions
Although we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.
10. Contact Information
Site AdministratorLenders Block
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.