Privacy Policy

The staff here at Top Mortgage shops on the web just like you do. That's why we believe you should know understand the privacy policies of the websites you're visiting. Top Mortgage (and its online portal BestLenderFinder.com) is committed to data security and protecting your personal information.

We urge you to read this notice, which explains our online information practices. By using this site, you are accepting the practices described in this Privacy Policy.

What kind of information does Top Mortgage collect?
Top Mortgage collects personal information (meaning name, phone number, marital status, email address, etc.) as well as non-personal information (meaning the number of visitors logging onto Top-Mortgage.com, the pages they view, buying guides they download, etc.).

How will Top Mortgage use my information?

    Consumers :
    The information you submit using our free mortgage quote forms is used to:
       . provide the mortgage quotes you've requested from
         participating lenders;
       . respond to your comments or information requests;
       . contact you regarding your mortgage quotes or other
         mortgage needs; and
       . send you surveys, Top Mortgage marketing and
         promotional materials, etc.

    Lenders :
    The information you submit to Top Mortgage's affiliate lender program will be used to qualify you for our participating lender program.

    Prospective Business Partners :
    The information submitted through Top Mortgage's online referral application will only be used to qualify you as a prospective business partner for Top Mortgage's affiliate program.

How will Top Mortgage use my non-personal information?
Top Mortgage collects information on how our site is used, including aggregate statistical information ( total number of visitors, most visited sections, peak traffic times, etc.) as well as web log information (your browser type, operating system, the pages you visit here) so we can analyze how our website is used, improve our content, and customize our layout and services to meet our users' needs.

Will you share my personal information?
Top Mortgage may share the information you provide with the types of companies below:

    Third-Party Lenders :
    Top-Mortgage.com will share your information with participating Lenders to complete your request for a mortgage quote.

    Third-Party Fulfillment Providers :
    Top Mortgage may share your information with companies that provide us with data processing, email or research services.

    Other Companies :
    Top Mortgage may share your personal information with other trusted companies (including carefully selected marketing partners) in compliance with this Privacy Statement and applicable law.

How will Top Mortgage's participating Lenders use my personal information?
Top Mortgage doesn't control the privacy policies of our participating Lenders. However, all of our professional lenders use the information you've submitted for one purpose: to offer you an accurate mortgage quote.

By choosing to share your information with us, you agree to be contacted (by phone, email, or both) by lenders and mortgage brokers within our network. Please note that you may be contacted, regardless of the presence of you telephone number in any state or Federal DNC ("Do Not Call") list or registry.

Is Top Mortgage a Lender?
Top Mortgage is not a mortgage lender. The Expression of Interest is not a loan application. ONCE YOU HAVE COMPLETED THE EXPRESSION OF INTEREST YOUR INFORMATION WILL BE SENT TO OUR PARTICIPATING LENDERS. ONE OR MORE OF OUR PARTICIPATING LENDERS WILL CONTACT YOU BY TELEPHONE. BY SUBMITTING YOUR EXPRESSION OF INTEREST YOU ARE CONSENTING TO RECEIVE TELEPHONE CALLS FROM OUR PARTICIPATING LENDERS EVEN IF YOUR PHONE NUMBER IS ON THE DO NOT CALL LIST. There is no obligation for submitting your information.

Once I've requested a quote from Top Mortgage, who will be contacting me?
Representatives from the lenders you've selected will contact you to provide you with mortgage quotes.

Will you use my information for a promotion?
Top Mortgage occasionally offers sweepstakes, contests, or promotions. If you choose to enter one, you might be asked to supply personal information to participate.

After you choose to register for a promotion, you may receive related Top Mortgage info, even if you've previously asked not to receive mailings or information from or about Top-Mortgage.com. The rules and regulations for each contest or promotion will be posted, along with notification on how your information may be used.

Does Top Mortgage store my personal information?
Yes we do. The information submitted via our mortgage quote forms is saved by our secured computer servers.

What will websites with links from Top Mortgage do with my information?
Sites with links from the Top-Mortgage.com site may be collecting information about you when you visit them. Clicking on one of these links transfers you to an outside website. We encourage you to read their privacy policies carefully, as their individual privacy policies may differ from ours. Links that appear on our website are not necessarily endorsed by Top Mortgage.

What does framing mean?
"Framing" describes the way web pages are presented. When Top Mortgage presents a "framed" page, you'll be seeing Top-Mortgage.com branding displays (scrolls, banners, etc.) alongside branding displays from non-affiliated third parties Top Mortgage has partnered with. Top Mortgage uses framing in order to offer you additional products and services. You should read the privacy policy of any framed page carefully, as that site's policy may differ from ours.

How will Top Mortgage protect my information while it's passing over the Internet?
Top Mortgage protects your information with a process known as SSL. This means that whenever you enter a quote request, your personal information will be encrypted as it's traveling between your computer and our servers. To make use of this technology, you'll need to use an SSL-capable browser (meaning, Netscape Navigator 4.06, Internet Explorer 4.01 or above). You can tell you're visiting a secure area on our site by checking for the lock or key symbol at the bottom corner of your browser screen.

Does Top Mortgage use "cookies"?
Yes. Cookies are simply small files that are saved on your computer while your browser's running. Top Mortgage uses cookies to make it easier for you to complete our quote forms. Our cookies are intended to make your experience on our site easier.

Top Mortgage's cookies are not used to collect, store or track your personal information. If you're uncomfortable accepting cookies of any kind, you can change your browser's settings to keep them off your computer.

Top Mortgage may contract with partners who use what's known as "ad-serving" technology. Ad-serving gauges the effectiveness of an advertisement by placing a cookie on your computer when you view it. These third-party cookies allow ad-serve users to recognize certain types of non-personal information, such as your IP address, browser type, operating system, Internet provider, time zone, etc.

Collecting this information allows our partners to improve the value and effectiveness of their advertisements on Top-Mortgage.com by delivering the kinds of ads that will be of the most interest to you.

The information collected by cookies can not identify you personally. However, the third parties who use them may be able to associate your personal information with a cookie if you register for products or services on their website. We recommend that you read the privacy statements on outside sites carefully as their privacy policy may be different from ours.

Does Top Mortgage use web beacons?
Certain pages on Top-Mortgage.com (pages where Top Mortgage banner ads appear) and the emails we distribute may contain electronic images known as "web beacons." Web beacons are single-pixel GIFs (they collect non-personal information, such as your cookie number, the day and date you view a page, and or the description of the page where the beacon was placed.)

Top Mortgage's partners sometimes use web beacons as a way to compile statistics so they can improve the overall effectiveness of their advertising. The non-personal info that web beacons collect can not be used to identify you individually on Top-Mortgage.com.

Does Top Mortgage log my movements?
Top Mortgage keeps a log of both your movements through our website and your search requests. This data will be used to gather demographic info, help administer our site more effectively and analyze trends. Top Mortgage does not use logging technology to share or capture your email address or any other personally identifiable information.

Does Top Mortgage collect personal information from children/minors under 13 years of age?
Top-Mortgage.com neither knowingly solicits data from minor children nor knowingly markets its services to minor children.

Policy Changes and Updates: We reserve the right to change this policy at any time. Our privacy policy will be kept up-to-date and clearly posted on our Web site at all times.

 
  Copyright 2005 Top Mortgage.