Zach Harkness is a Loan Officer under Citywide Home Loans. Most mortgage information and processes available on this website follows those of Citywide Home Loans. LoansbyZach.com works to comply and maintain the highest professional standards of confidentiality and integrity.If you have any questions about this Privacy Statements/Legal/Disclaimer or the practices of this Site, please feel free to contact us by email or phone.
“Site” refers to this Internet web site (loansbyzach.com) and its related services. “You” or “User” refers to a registered user of this Site. “LoansbyZach.com” or “We” refers to LoansbyZach.com.
Information We Gather:
Automatically Gathered Information
LoansbyZach.com automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. LoansbyZach.com may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We may also automatically collect non-personally identifiable information about them, including, among other things, the links visitors use to arrive here, the domain and host from which visitors access the Internet, the type of web browser that visitors use the type of operating system in use, IP addresses, and the number and frequency of visitors who visit various pages of our site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information. However, We can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.
Your Personal Details
We only collect personally identifiable information about visitors when they voluntarily submit it to us. For example, we ask for information when a visitor registers for a service or event or applies for a loan at this website. We may also ask for a visitor’s name and e-mail address if the visitor wants to submit a question to us via e-mail message, utilize e-mail features, or subscribe to a newsletter, e-mail alert, or other e-mail subscription service.
How We Use Information:
Personal Details Information
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.
We may use non-personally identifiable information collected from visitors of LoansbyZach.com to conduct reviews of our site, to guide decisions about the development of the Site and to provide an enhanced online experience for our visitors. We may also use such information to identify, on an aggregate basis, general trends that may, for example, assist us in determining how to work with lenders to provide a wider array of products.
Advertising
We may have text or banner advertising on our site and we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by contacting us.
Please be aware that our sponsors, advertisers or web sites that have links on our site may collect personally identifiable information about you. The information practices of those parties and web sites linked to ours are not covered by this privacy statement. Our users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.
LoansbyZach.com have no control over the way in which the sponsors of the third party sites collect and use information and is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.
Demographic Information, Surveys and Contests
The demographic information that LoansbyZach.com collects in the contact form and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.
Comments Submitted by Users
LoansbyZach.com constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.
Kids under 13
Do not send any information about yourself to us–including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.
Security
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. We respect the privacy of our clients and shall not disclose, distribute or rent the e-mail address of subscriber newsletter list to any third party, nor shall it permit anyone else to do so. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet. Although we strive to maintain the highest standards of privacy, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. We cannot guarantee or warrant the security of any information visitors transmit to us and visitors do so at their own risk.
Changes
We reserve the right to revise or change the terms of the LoansbyZach.com in the future to reflect modifications to our site. To ensure that visitors are aware of our current privacy practices, we recommend that they check this site periodically. We will not materially change how we handle previously collected personally identifiable information without providing notice and choice as to how we use this information.
