PRIVACY POLICY
Simplymea Home Buying Solutions and Lighthouse Lending Group, Inc. ("we", "our") respect your privacy and are committed to using responsible practices in the collection, maintenance and use of your personal information. This privacy policy explains our on-line information practices and applies to your use of simplymeahomebuying.com (the “Website”) and other services offered through this site (the “Privacy Policy”).
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PERSONALLY IDENTIFIABLE INFORMATION
Throughout this Website, you may voluntarily submit information that personally identifies you ("Personally Identifiable Information"). In general, you can visit our Website without telling us who you are or sharing any Personally Identifiable Information about yourself except as follows. We only collect Personally Identifiable Information about you if you choose to share it with us. For example, you may choose to provide Personally Identifiable Information by contacting us via Email or the contact form on our website. Personally Identifiable Information may include, but is not limited to, your name, Email address, physical address, phone number, and messages that you can send to us.
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ANONYMOUS USAGE DATA
Like many other websites, this website may collect anonymous usage data ("Non-Personally Identifiable Information") about your activity at this Website. We may store information about the type of browser you are using, your Internet Protocol ("IP") address, the time, date, and length of your visit; and the referring site. This information is collected via computer code sent to your computer (commonly referred to as a "cookie"). The cookie will not expire, unless you manually delete it or set your browser to reject it. If you do not accept the cookie, however, you may have difficulty navigating our full Website.
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USE OF INFORMATION
We use Non-Personally Identifiable Information to manage this Website. We may analyze aggregated anonymous information on the pages visited by our users to make our Website more accessible and useful. Further, we may share this data with third parties, usually to provide services for the maintenance of the Website.
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Except as outlined in this Privacy Policy or on the Website, Simplymea Home Buying Solutions and Lighthouse Lending Group, Inc. will not sell or share your Personally Identifiable Information to others without your consent. If you choose to submit Personally Identifiable Information to the Website, we will use the information for the purpose you requested.
In addition, we may share this information with third parties to fulfill your request or to provide other services that may be of interest to you. If you do not wish Simplymea Home Buying Solutions or Lighthouse Lending Group, Inc. to use your information in this manner, then do not submit any Personally Identifiable Information to us. In addition, Simplymea Home Buying Solutions or Lighthouse Lending Group, Inc. may disclose Personally Identifiable Information about you if we believe in good faith that the law requires it (such as a subpoena, court order or a law enforcement request), or if we reasonably believe it is necessary to protect our legal interests. The information collected from you may be transferred to a third party in the event of a sale, acquisition, merger or bankruptcy involving us.
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LINKS TO OTHER WEBSITES
For your convenience, our Website may contain links to other websites whose information and privacy practices are probably different than ours. If you choose to use these links, you will leave our Website, and will then be subject to the privacy and information practices of those websites. We do not control and are not responsible for any of their content or their privacy policies, if any. We do not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you choose to access any of the other websites listed on our Website, you should understand that you do so at your own risk.
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SECURITY
We employ commercially reasonable security measures to reduce the risk of unauthorized access to your Personally Identifiable Information. However, we cannot and do not guarantee that these measures will be sufficient to protect against all efforts to gain unauthorized access to that information.
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CHILDREN'S PRIVACY
We are committed to complying with the Children's Online Privacy Protection Act (COPPA). Our Website is not directed to children, and we do not knowingly collect Personally Identifiable Information from children. If we receive Personally Identifiable Information that we discover was provided by a child, we will promptly destroy such information. Schools and parents should supervise their children's online activities and consider the use of other means to provide a child-friendly, online environment. If you would like to learn more about COPPA, visit the Federal Trade Commission home page at http://www.ftc.gov.
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CALIFORNIA PRIVACY RIGHTS
Pursuant to California Civil Code Section 1798.83, California residents may request certain information regarding our disclosures in the prior calendar year, if any, of their Personally Identifiable Information to third parties for their own direct marketing purposes. To make such a request, please Email us with "California Privacy Rights Request" in the subject line. You must include sufficient detail for us to locate your file; at a minimum, your name, Email and postal address.
CALIFORNIA "DO NOT TRACK" DISCLOSURES
We do not track your on-line activity across other websites, nor do we knowingly permit any third-parties to conduct online tracking of you while you are visiting our Website. Consequently, we do not respond to your browser's Do Not Track signal.
APPLICATION OF UNITED STATES LAWS
Our Website is based on computers located in the United States. Your Personally Identifiable Information will be used and stored in the United States, where data protection and privacy regulations may differ from the level of protection as in other parts of the world.
HOW TO CONTACT US / CONSENT AND REVISIONS
If you have any questions or concerns about Simplymea Home Buying Solutions or Lighthouse Lending Group, Inc.'s Privacy Policy or its implementation, you may contact us using the information provided on this Website's “contact us” section. If at any time you decide that we should no longer hold any of your personal data, or wish to change the use to which any such data can be put, please let us know by Emailing us.
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When inquiring about a service on this site, this is not a loan application and this is not an offer to lend. We are not a lender or affiliated with your current mortgage servicer. Upon the completion of your inquiry, we will put forth every effort to connect you with various businesses or network partners who may assist you with eligibility requirements if needed. We will review requests for your individual situation or scenario with respect to the loan application process.
Lenders will commonly require you to provide additional information such as a valid social security number and submit to a credit check if proceeding to apply for a loan product. Minimum credit ratings may factor into qualification for some products. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee. Additionally, any loan product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees.
If you do not agree to our terms and policies, then please leave this site immediately. By submitting your contact information on this site, you expressly give permission and consent to contact you through automated means. Your consent is not a condition, directly or indirectly of a purchase. If you submit your mobile number on this website you agree to receive marketing based text messages. Consent is not required for purchase. You may receive up to 4 recurring messages per month. Standard message and data rates may apply.
This site is in no way affiliated with any news source or government organization and is not a government agency. This site is not affiliated with HUD, FHA, VA, FNMA or GNMA. This site may contain affiliate and partner links. This website and the company that owns it is not responsible for any typographical or photographic errors.
Contents of this website are copyrighted property of the owner of this website. All trademarks, logos, and service marks (collectively the "Trademarks") displayed are registered and/or unregistered Trademarks of their respective owners.