The MyFHA.net, Inc. Privacy Policy

Last updated: September 28, 2012

We Respect Your Privacy

Your privacy is a high priority for us and we are committed to protecting your online privacy . This Privacy Policy demonstrates the steps we've taken to ensure that you have an amazing experience at MyFHA.net, Inc., and also explains how we treat any personal information you may choose to provide to us.

This Privacy Policy applies to the websites www.myfha.net and www.myfha.us. This policy applies only to the information collected through our websites and not to websites maintained by other companies or organizations to which we link.

Use and Collection of Information

We collect and use information about you in response to your request for goods and services offered through our websites. We will also collect information in order to let you know about products, services, and other opportunities we think you’ll be interested in. The information we collect may come from you, directly, when you provide it to us in order to speak with someone about a mortgage or qualifying for a mortgage. This will include but not be limited to your name, address, telephone number, and email address.

We also collect demographic information from our visitors. Demographic information includes, but is not limited to, zip code, or any information that is not tied to your personal information.

MyFHA.net, Inc. uses information about you to deliver the Services that you request, to keep you informed about changes affecting our Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our sites and Services.

Specifically, when you provide us with your contact information, you are agreeing:
i) to allow us to email you regarding our products and services, and of the products and services of third parties that we associate with or market for;
ii) to call you (either directly or through use of a third party service) regarding our products and services, and of the products and services of third parties that we associate with or market for; and
iii) to text you (either directly or through use of a third party service) through your mobile devices regarding our products and services, and of the products and services of third parties that we associate with or market for.
In the case of sending messages to you via text messaging, you acknowledge and agree that you may be charged fees by your wireless provider pursuant to your agreement with such wireless provider.

Information Sharing and Disclosure

Under the following circumstances, we share information about you:


Service Requests - if you submit a request to speak with a specialist about qualifying for a mortgage or credit repair or any other service offered through our websites and email offers, we will share all of the personal information that you provided to us (such as your full name, address, telephone number, email address, and any and all other information from our application) with third parties, which include banks, mortgage lenders and brokers, credit repair providers, credit monitoring providers, and lead aggregators in our client network so that they may process and fulfill your request. By completing our the application with MyFHA.net, Inc. you acknowledge that Lenders and providers of credit repair may contact you by telephone on a line which may be recorded line, automated calling, email, or regular mail based on the information you provided to us in order to process and fulfill your request, EVEN IF YOU HAVE OPTED INTO the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services.

Our Affiliate Partners - Information submitted through the "Affiliate Program" is collected by our advertisers policies and procedures. Be aware that when you click through to our affiliates’ sites, any information provided will be covered by said AFFILIATE’S privacy policy and NOT by this privacy policy.

Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including affiliates to develop and deliver targeted advertising on our Site and on the websites of third parties. If you would prefer that we do not utilize cookies with your website experience, or would prefer to restrict the use of cookies with network advertising partners, please disable cookies on your browser.

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances.

Business Transfer – In the event that MyFHA.net, Inc. is merged with or acquired by another company, then the successor company would have access to the information maintained by MyFHA.net, Inc. including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.

Cookies and IP Addresses

MyFHA.net, Inc. uses "cookies" technology. Cookies are bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used MyFHA.net, Inc. This information is used to monitor the performance of our sites and those of our partners. We also may use cookies to deliver targeted advertising on our website, or websites of third parties.

MyFHA.net, Inc. keeps track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Clear Gifs

My FHA.net, Inc. utilizes clear gifs (a.k.a. Web Beacons) that help us monitor the content on our sites by informing us of which content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of these and the effectiveness of our campaigns. If you would like to opt-out of these emails, simply click through the opt-out section in any email which you receive from us.

Offering you additional choices.

Marketing Email Options- When you provide your email address to us directly on our website or through a third party. MyFHA.net, Inc. will periodically send you newsletters and other e-mails with information, offers, and additional promotions both for our advertisers and our affiliates. If you no longer wish to receive these communications and would like to opt-out of these emails, simply click through the opt-out section in any email which you receive from us.

Refusing Cookies – If you are not comfortable with MyFHA.net, Inc. using cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to do this.

Third Party Advertisers – MyFHA.net, Inc. can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services and, and you may need to contact these parties directly in order to stop receiving their email communications.

Confidentiality and Security

The security of your personal information is very important to us and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you.

Third Party Links

This Privacy Pledge applies to all information that you provide to MyFHA.net, Inc. However, when you visit websites to which we provide links, you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

Framing

In some cases, we may use third parties to operate portions of the MyFHA.net, Inc.’s websites. Although the particular section of the website may have a similar appearance as the MyFHA.net, Inc. site, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated.

A Special Note about Children's Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.

Removing Your Information

Federal and state regulations require that we maintain all information (including your personal information) submitted through the MyFHA.net, Inc. website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:

By sending an email to:
jssmith@myfhabackend.com

By sending a letter to:
MyFHA.net, Inc.
8 Faneuil Hall Marketplace, 3rd Floor
Boston, MA 02109

Use, Disclosure, and Sharing of Information

a. Non-Personally Identifiable Information
From time to time, MyFHA.net, Inc. may use and share with third parties aggregate, non-personally identifiable user information to show general demographic and preference information among users of the MyFHA.net, Inc. Web sites. When you visit or download information from this Website, our web servers may automatically collect website usage information. Website usage information is non-personally identifying information that describes how our visitors use the Website. It can include the number and frequency of visitors to each web page and the length of their stays, browser type, referrer data that identifies the web page visited prior and subsequent to visiting the Website, and IP addresses (see below for more information on IP addresses). MyFHA.net, Inc. may use IP addresses for a number of purposes, such as system administration, to generally determine your computer's server location, to report aggregate information to our business partners or to audit use of the Website. We also may determine your screen resolution and the technology available in order to serve you the most appropriate version of a web page, e-mail or similar service.

b. Personally Identifiable Information
MyFHA.net, Inc. uses information about you to deliver the Services that you request, to keep you informed about changes affecting our Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our sites and Services.

Specifically, when you provide us with your contact information, you are agreeing:
i) to allow us to email you regarding our products and services, and of the products and services of third parties that we associate with or market for;
ii) to call you (either directly or through use of a third party service) regarding our products and services, and of the products and services of third parties that we associate with or market for;
and
iii) to text you (either directly or through use of a third party service) through your mobile devices regarding our products and services, and of the products and services of third parties that we associate with or market for.
In the case of sending messages to you via text messaging, you acknowledge and agree that you may be charged fees by your wireless provider pursuant to your agreement with such wireless provider.

If you provide MyFHA.net, Inc. with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.
If you opt in to receive e-mail from us, you can always opt out of future marketing messages by following the directions in each message to "unsubscribe”. However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your account status, technical support, product information, changes to account terms, and any other matter that might affect our service to you and/or any products you purchased from us or registered with us, as applicable.

As stated in the Terms and Conditions, you will be deemed to have consented to the disclosure to, and use by, a subsequent owner or operator of a MyFHA.net, Inc. Website or Service, of any information about you contained in the applicable MyFHA.net, Inc. database, if MyFHA.net, Inc. or one of its affiliates assigns its rights and obligations regarding any of your information at the time of a merger, acquisition, or sale of all or substantially all of MyFHA.net, Inc. or such MyFHA.net, Inc.'s assets related to the applicable Website or Service to a subsequent owner or operator. In the event of such a merger, acquisition, or sale, your continued use of the Website or any related Service signifies your agreement to be bound by the Terms and Conditions, California Privacy Policy and Privacy Policy of the Website's or Service's subsequent owner or operator.
The MyFHA.net, Inc. and its companies may work together in order to provide portions of the MyFHA.net, Inc. Websites and some Services (e.g., to fulfill prizes won in a sweepstakes, or to provide other support for a Service). These companies will handle your personally identifiable information in accordance with this Privacy Policy.
As stated above, MyFHA.net, Inc. may also work with third parties to provide some Services on our Websites. In connection with those Services, you are deemed to consent to us sharing your information with third parties who provide services such as processing of credit card transactions, customer service, promotion administration, order fulfillment and/or prize delivery, as applicable. Third parties who provide, or participate in, Services on MyFHA.net, Inc. Websites are prohibited from using our customers' personally identifiable information for marketing purposes and/or from sharing, selling, or otherwise using such information, unless you choose to opt in to marketing, sharing, or other uses by the third parties. If you do not want your information to be used for marketing (or other purposes unrelated to the provision of MyFHA.net, Inc. Services) by a third party who participates in a Service on one of our sites, do not opt in to such use by that third party when you register to participate in the Service.
Please note that whenever you opt in to receive future communications from a third party, your information will be subject to the third party's privacy policy. If you later decide that you do not want that third party to use your information, you will need to contact the third party directly, as we have no control over how third parties use information. You should always review the privacy policy of any party that collects your information to determine how that entity will handle your information.
MyFHA.net, Inc. will not share, sell, rent, or disclose any personally identifiable information that we have collected except as stated herein, or in the following instances: 1) we have been given your consent to disclose; 2) we have previously informed you of the disclosure, including by means of our Privacy Policy or on the Website, or through the Service where you provided your information; 3) we are required by law, legal process, or court order to disclose; 4) disclosure is necessary to identify, contact, or bring legal action against someone who may cause or be causing harm to, or interference with, MyFHA.net, Inc.'s rights or property, other MyFHA.net, Inc. Website users, or anyone else; or 5) to respond to an inquiry, request or complaint that you have made. MyFHA.net, Inc. may also use IP addresses in cooperation with Internet service providers to identify users if we deem it necessary to comply with law, to enforce compliance with this Privacy Policy or our Terms and Conditions, or to protect our sites, customers, or others.

Changes to this Privacy Policy

MyFHA.net, Inc. may update or modify this Privacy Policy from time to time. If there are material changes to this Privacy Pledge or in how MyFHA.net, Inc. will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your assent to the MyFHA.net, Inc. Privacy Policy. If you do not agree to this policy, please do not use any of the MyFHA.net sites for anything more than information gathering. When you request to speak with a specialist about qualifying for a mortgage or credit repair or any other service offered through our websites and email offers, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

Privacy Policy