This site exercises
best efforts at all times to preserve and otherwise
respect each visitors privacy. The exact security
measures for implementing this policy are stated below.
Notwithstanding the foregoing, you, the visitor, hereby
acknowledge by continuing to visit this site that there
is a risk your privacy may be compromised by computer
and/or human error. You acknowledge, further, that if
your privacy is so compromised you will not, in any
event, be entitled to any damages or other relief from
the owner/operator of this site.
The owner/operator of
this site is not and cannot be found liable to any visitor
for any reason, even if the visitor sustains actual
damages. By continuing to use this site, you, the user,
agree that said complete release is enforceable in all
We Collect and How It's Used
To process your quote
request, we require your name, phone number, email address,
mortgage balance (if any) and estimated financial information
such as debts, salary, credit, etc . This information
is used by the lenders in our network to provide accurate
loan quotes and to contact you with rates and terms.
We DO NOT REQUIRE your social security number.
Home Mortgages for Bad Credit
website was designed by an independent firm designed
to gather consumer requests for loan information or
pre-approvals and transfer them in a timely manner to
licensed mortgage professionals who purchase this information
for their business. These mortgage professionals contact
the consumer directly regarding their specific needs.
We guarantee that all information submitted through
this web site is strictly confidential.
Further, we guarantee
that all information submitted through Home Mortgages for Bad Credit is transferred to no more than four licensed
professionals who are either: a specialist for the selected
loan type, or local to the consumer. Not all lenders
will offer a program that is right for you.
Completing the form above puts you under no obligation. I, understand that by clicking the "Complete my Request" button below and authorizing this submission, I am not obligated to open an account but I agree to the general terms of this site. I am consenting to have my information shared with up to four brokers or lenders and other business partners and for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. (This prequalification request is not a loan application. A loan officer will complete an application for you.)
We use your IP address
to help diagnose problems with our server, and to administer
our Web site only.
This site contains links
to other sites. Home Mortgages for Bad Credit is not
responsible for the privacy practices or the content
of those Web sites.
Our site uses an order
form for customers to request information, products,
and services. We collect visitor's contact information
(like their email address). Contact information from
the order form is never used to send promotional material
from any of our partners or reputable third parties
that may be of interest to our customers. The customer's
contact information is also used to get in touch with
the visitor when necessary. Users may opt-out of receiving
future mailings; see the choice/opt-out section below.
Some of our sites offer
security measures in place to protect the loss, misuse
and alteration of the information under our control.
We offer all personal data transmission through HTTPS,
a secure Internet communications protocol. Our security
certificate is issued by Thawte USA. For more information
visit http://thawte.com/corporate/cps/cps.html. If you
do not see a Valid Thawte USA certificate on this site,
we cannot be not liable for any data comprised upon
Our site provides users
the opportunity to opt-out of receiving communications
from us and our partners at the point where we request
information about thevisitor. This site gives users
the following options for removing their information
from our database to not receive future communications.
This site gives users
the following options for changing and modifying information
previously provided. visit http://www.smartlending.com/contact.html
Resolution of Disputes
Resolution of Disputes.
If any dispute regarding any matter whatsoever arises
between a visitor and the owner/operator of this site,
that dispute must be resolved by arbitration as herein
provided. First, the person making a claim must provide
written notice of that claim to the other party within
thirty (30) days after the claiming party learns that
he/she/it may have a claim. Failure to provide said
thirty (30) day notice shall result in the complete
release and extinguishment of the alleged claim. If
said thirty (30) day notice is timely provided then
the claiming party must notify the American Arbitration
Association in San Diego, California and otherwise file
the claim with the American Arbitration Association
within thirty (30) days after the date of the thirty
(30) day complaint letter. Said arbitration must then
be resolved formally within thirty (30) days after submittal
of the claim to the American Arbitration Association.
Whatever fees must be paid to the American Arbitration
Association shall be the complete responsibility of
the claiming party. By continuing to use this site,
you, as a visitor, agree that the foregoing dispute
resolution process is fair and reasonable in all respects.
Contacting the Web
If you have any questions
about this legal/privacy statement, the practices of
this site, or your dealings with this Web site, you
can contact Customer Service at Home Mortgages for Bad Credit.