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Thank you for your interest in the Fair Closing Costs Service (the "Service") offered through the Fair Closing Costs web site located at www.fairclosingcosts.com
(the "Web site"). The Web site and the Service are operated and owned by Mortgage Grader, Inc. d/b/a Fair Closing Costs (collectively "FCC," "we," "our", or "us").
We respect our users’ ("users", "you" or "your") privacy. This privacy policy, effective April 15, 2008, lets you know how information that we receive or collect from You is processed, disclosed and used. This Privacy Policy only governs the Web site and the Service. By using the Web site and/or the Service, you acknowledge your consent to this Privacy Policy. If you do not agree with the terms, please do not use the Web site and/or the Service.
When Do We Collect Information?
FCC does not ask for or collect personally
identifiable information about you. You are completely anonymous to us and the settlement
services providers listed on the Web site.
What Information Do We Collect and Why?
Anonymous User Information
Cookies
Like other Web sites, we may use a feature of Internet web browsers called
"cookies." Cookies are generated by web servers and stored on users’ hard drives
when they visit practically any web site on the Internet. Cookies enable us to remember
users, to store user preferences and to track user trends in general. We use cookies
to improve the quality of the Web site and Service and to better understand how users
interact with the Web site and Service. We do not and cannot use cookies to retrieve
individual personally identifying information about you from your computer unless
you knowingly and willingly provide such information. You can adjust your web browser
security settings to refuse all cookies or to indicate when a cookie is being sent.
However, if you disable the use of cookies in your web browser, some features of
the Web site or Service may not function properly.
Anonymous Information
We collect anonymous information about all our users each time they visit the Web site
so that we can understand how people are using the Web site and/ or the Service and
improve the overall quality of our users’ online experience. We record the date
and time of your visit, the page you visited, track your path through the Web site,
your IP address, your Internet service provider, referral data, type of browser
and operating system you are using. You do not have to register with us before we
can collect this anonymous information.
Contact Information
If you contact us, electronically or otherwise, to provide feedback, comments
or inputs or for any other reason, we may keep a record of that correspondence and
collect your personal information to process your enquiries, respond to your requests
and improve our services.
With Whom Do We Share Information and What Do We Share?
Aggregated General Information
We may share aggregated general information about our Web site and Service
with our corporate partners, investors, advertisers or others. Aggregate general
information includes without limitation the number of users of the Web site and the
Service, usage statistics. Aggregated general information does not include any personally
identifiable information that could be used to contact or identify you.
Third Party Information Gathering
Our web site may contain links to, and contain content and advertisements
hosted on, third party web sites. If you click on such links, content or advertisement,
you may be directed to these third party web sites. When accessed, such third-party
web sites may place their own cookies on your computer, collect data, solicit personal
information or perform user activity tracking other than that described herein.
For more information about each third party content provider, cookies, and how to
"opt-out," please refer to such third party privacy policy. Please be aware that
we are not responsible for the privacy practices of such other web sites. We encourage
our users to be aware when they leave our site and to read the privacy statements
of each and every third-party web site that they visit. This Privacy Policy applies
solely to information collected by this Web site.
Children's Privacy
The Web site and Services are not intended for children under the age of 13. We do
not knowingly request or collect personally identifiable information online or offline
contact information from users under 13 years old nor do we knowingly use or share
personal information from users under 13 years old with third parties.
Change of Control
In the event that another company acquires all or substantially all of
the assets related to the Web site or Service, or if we experience some other change
of control event such as merger, insolvency, bankruptcy or receivership, we reserve
the right to include any or all user-related information among the assets transferred
to the acquiring company. We do not guarantee that any entity receiving such information
in connection with any of these transactions will comply with all the terms of this
policy.
Changes to Privacy Policy
This privacy policy is subject to change without notice. We may change
our policy at any time by posting a new version of it on the Web site. Please check
the Web site regularly for information about revisions to this Privacy Policy. In
the event that we change our Privacy Policy, such changes will affect all of the
information we collect after any such change. If you object to the change to our
Privacy Policy, then you must contact us in writing regarding your objection.
Questions and Comments
If you have any questions or comments about this Privacy Policy, please
can contact us at info@fairclosingcosts.com.
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