Privacy Policy

Lender411.com recognizes our customers' desire to preserve their privacy and confidentiality. We have adopted standards that help maintain and preserve the confidentiality of our customers' non-public personal information. This privacy policy applies to your information that we collect and receive and it does not apply to businesses that we do not control or own or people we do not employ. At no time do we sell your personal information without your permission. You can visit //www.lender411.com without revealing who you are or providing any personal information about yourself.

By using this Site, you agree to the terms of this privacy policy. Please read the following policy to understand how your personal information will be treated when you use our services.

This Site contains links to other sites. These include links to individual lender/broker sites that offer consumer and business loans, as well as links to other third party sites that offer credit reports, property valuation information, insurance quotes, etc. Lender411.com is not responsible for the privacy practices or the content of such websites.

Site Access

If you browse our site without entering your personal information, we will gather and store certain information about your visit. This information does not identify you and cannot be linked back to you unless you decide to identify yourself. If you are only browsing, we collect such information as: your IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit, and if you were referred to our website from another website, the address of that website as well as additional information related to your visit. We use your IP address to help diagnose problems with our server, and to administer the site.

Information We Collect

We collect the email addresses of consumers who opt-in for our Email Newsletter, or those who communicate with us or through email. We also collect information provided to us by consumers searching for mortgage, refinance or other loan products and services submitted through our online Loan Request Forms . Loan Request Forms typically gather information such as name, address, phone number(s), email address, household income, estimated credit rating, and loan specific information including but not limited to estimated property value, desired loan amount, down payment, and whether the applicant is working with a real estate agent. We do not provide financing ourselves, instead send those requests to third-party broker/lenders for consideration.

All information provided by consumers in any of the above-listed ways or otherwise becomes the property of Lender411.com once received by us and may be used and disclosed as permitted in this Policy.

Loan Request Information is sent to third parties who are in a position to respond to your loan request. Consumers who submit Loan Request Information expressly authorize up to four (4) third party lenders to contact them in connection with their loan financing request regardless of whether or not such consumer is listed on a "Do Not Call" list.

As part of the request process, we may choose to verify your information and/or obtain omitted information.

Loan Request Information transmitted to a broker/lender or other fulfillment entity becomes the property of that broker/lender or fulfillment entity, in addition to Lender411.com. The information is used to process your financing application.

We also share your personal information with our affiliated companies in order to identify other products or services in which you may have interest, to improve your user experience and generally to engage in market research and for other internal business purposes. We may also use your personal information to prepare reports on site usage, purchase history or other demographic factors for sale or distribution to others. Those reports are aggregated and include no personally identifying information. We may also use your personal information to send you email or postal communications regarding products or services offered by us or by third parties with whom we have relationships in which we think you may be interested. We do not share, sell, trade or rent your personal information to third parties for unknown reasons. You may at any time choose not to receive promotional emails from us by contacting us at [email protected]. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to //www.lender411.com, as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.

If you prefer for us not to provide your name and email or postal address to third parties for direct marketing purposes, please contact us at [email protected].

Use of Cookies

We may place "cookies" on your personal computer. A cookie is a small text file that is stored on a user's computer for record keeping purposes. Cookies can be either session cookies or persistent cookies. A session cookie expires when you close your browser and is used to make it easier for you to navigate our websites. A persistent cookie remains on your hard drive for an extended period of time. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet. You can reject cookies by changing your browser settings. Please note, however, that if you reject our cookies, some of the features and services of our websites may not function properly.

Site Security

This site has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control.

Contacting the Website

Please be aware that we may change our Privacy Policy from time to time. If we do, the "Effective Date" will be updated as well. Be sure to check back here frequently. If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this website, you can contact: [email protected]

Effective: 11/5/2007

Gretchen Wegrich

Gretchen Wegrich is an editor at Lender411. She specializes in mortgage basics, personal finance and green living. She graduated with a bachelor's degree in writing from University of California, San Diego and previously worked at the Santa Cruz Sentinel. Contact her at gretchen@lender411com.