Privacy Policy
The following privacy policy covers all of the websites of Qualified Mortgage Survey Inc. and its subsidiaries, brands, and affiliates (collectively, “Qualified Mortgage Survey”) websites, the Mobile Services (as defined below) or desktop application services, software, or other materials or services made available on, from, or through the websites (collectively, the “Website(s)”). This Privacy Policy applies only to information collected by the Website(s). Please read this policy. If you have any questions or suggestions regarding our privacy policy, please contact us. By using the Website(s) you understand and agree to the Terms of Use and Privacy Policies.
To the extent prohibited by applicable law, Qualified Mortgage Survey Website(s) are not intended for and should not be used by anyone under the age of eighteen. To use the Website(s) or provide information to Qualified Mortgage Survey, you must either be (a) at least 18 years of age or the age of majority in your jurisdictionof residence (whichever is greater); or, (b) if you are between the ages of 13 and 18/the age of majority, you must have the consent of your legal parental or guardian consent to use the Website(s). If you are under 13 years of age, please do not use the Website(s). If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at compliance@qualifiedmortgagesurvey.com.
California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see California Consumer Privacy Rights for more information.
Collection and Use of Data
Qualified Mortgage Survey may collect and receive Customer Data and other personal information and data (“Other Information”) in a variety of ways. Qualified Mortgage Survey collects, generates, and/or receives Other information, including (i) account information, (ii) contact information, (iii) usage information, (iv) cookie information, (v) third party services and data, and (vi) additional information provided to Qualified Mortgage Survey through User Submissions.
Qualified Mortgage Survey creates aggregate reports on user demographics and traffic patterns. These aggregated statistics are used internally to better provide services to users of the Website(s) and may also be provided to advertisers, sponsors, and partners. This allows Qualified Mortgage Survey’s advertisers, partners, and sponsors to advertise more effectively, and allows our users to receive advertisements that are pertinent to their interests and needs. For example, we use the information we collect to (a) provide, maintain, and protect the services and Website(s); (b) notify users of promotions, special events, new services and special offers, for example, with your consent where appropriate, through emails, phone calls, text messages (SMS), and push notifications; (c) tailor product offerings, customer service and overall experience; (d) improve the content, operation, appearance and utility of the Website(s); (e) conduct surveys, research and evaluations; (f) troubleshoot and resolve disputes; (g) gather analytical data and (h) fulfill any other purpose for which you provide it; and (j) accomplish other administrative tasks or in any other way we may describe when you provide the information.
Ownership of Information
Qualified Mortgage Survey is the sole owner of the information collected on the Website(s) which includes: Your email address when you register for an account on a Website.
Information that you provide for your user profile upon registration or through use of the Website (e.g., first and/or last name, phone number, gender, zip code, income, political views). This information allows Qualified Mortgage Survey to help you or others be “found” on the Website(s). If you choose to request additional information, we may ask you to provide information, such as (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers; (e) any and all other information requested on the applicable registration form.
We may combine such information with information we may already have about you.
User Submissions that you post to the Website(s).
Communications between you and Qualified Mortgage Survey. For example, Qualified Mortgage Survey may send you emails related to the Website(s) (e.g., account verification, changes/updates to features of the Website(s), technical and security notices). Note that you may not opt out of these emails without deleting your account.
You may opt out of our email newsletters by clicking the “Unsubscribe” at the bottom of each email and following the subsequent instructions. You may also opt-out of all communications from Qualified Mortgage Survey by contacting us using the contact information below or emailing us at compliance@qualifiedmortgagesurvey.com.
Qualified Mortgage Survey may offer certain services that are available via a mobile device or app, including (i) the ability to provide User Submissions to the Website(s) via a mobile device, (ii) the ability to browse the Website(s) from a mobile device (collectively, the ”Mobile Services“). If you use the Mobile Services, Qualified Mortgage Survey may store information regarding your mobile device, including your device type and operating system, the advertising ID of your mobile device, location services, or in other applications as permitted by the functionality of such mobile device. In addition, Qualified Mortgage Survey may access, collect, monitor, store on your device, and/or remotely store one or more “device identifiers.”
Device identifiers are small data files or similar data structures stored on or associated with your mobile device, which uniquely identify your mobile device. A device identifier may be data stored in connection with the device hardware, data stored in connection with the device’s operating system or other software, or data sent to the device by Qualified Mortgage Survey. A device identifier may deliver information to Qualified Mortgage Survey or to a third party partner about how you browse and use the Website(s) and may help Qualified Mortgage Survey or others provide reports or personalized content and ads. Some features of the Website(s) may not function properly if use or availability of device identifiers is impaired or disabled.
How We Use Your Information
Qualified Mortgage Survey uses the information that you provide, or that Qualified Mortgage Survey collects, to provide Qualified Mortgage Survey’s services and features to you; to operate, maintain, and enhance the Website(s); to measure and improve the Website(s); to provide you with customer support; as well as to track user-generated content and users to comply as a service provider with the DMCA and other applicable laws. Qualified Mortgage Survey uses the information to prevent potentially illegal activities. These efforts may on occasion result in a temporary or permanent suspension or termination of some functions for some users. Qualified Mortgage Survey may contact you with announcements related to the Website(s) from time to time. You may opt out of all communications except essential updates on your account.
When you click on or otherwise interact with an advertisement on our Website(s) there is a possibility that the advertiser may place a cookie in your browser or the advertising ID for the Mobile Services and note that it meets the criteria they selected.
Qualified Mortgage Survey may share User Submissions and your information (including but not limited to, information from cookies, log files, device identifiers, location data, and usage data) with businesses that are legally part of the same group of companies that Qualified Mortgage Surveyis part of, or that become part of that group (“Affiliates”). Affiliates may use this information to help provide, understand, and improve the Website(s) (including by providing analytics) and Affiliates’ own services (including by providing you with better and more relevant experiences); however, these Affiliates will honor the choices you make about who can see your photos.
Content and Metadata
The Website(s) are intended to share Content with others. “Content” includes the text, graphics, photos, sounds, music, videos, audiovisual combinations, and other materials you may view on, access through, or contribute to the Website(s). If you do not want us to store metadata associated with Content you share on the Website(s) (such as photos), please remove the metadata before uploading the Content.
Exclusions
This privacy policy shall not apply to any unsolicited information you provide to Qualified Mortgage Survey through the Website(s) or through any other means. This includes, but is not limited to, Content or other information posted to any public areas of the Website(s), such as comments, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Qualified Mortgage Survey shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.
Comments
In order to enhance their use of the Website(s), users can choose to leave comments on particular articles of interest. Qualified Mortgage Surveydoes not endorse these comments as they are the opinions of users not associated with Qualified Mortgage Survey or its employees.
Mailing List
Qualified Mortgage Survey may launch a mailing list for some or all of the Website(s). In order to sign up to receive regular emails, newsletters and the like from a mailing list from one of the Website(s), users must submit information including, without limitation, a valid email address and demographic information such as location and interests. This information will be used in anonymous, aggregate form only in order to assess general user interest in various internal and third party products and services. Users who choose to sign up for a mailing list will receive regular emails from the site, including new articles added to the site as well as emails from third party site sponsors. If you do not wish to receive emails from third party advertisers, do not sign up for the mailing list. Alternatively, you may opt-out of the communications by following the instructions at the bottom of every email.
Cookies
Some of Qualified Mortgage Survey’s business partners (for example, advertisers) may use cookies on the Website(s) or advertising IDs for the Mobile Services (collectively, “cookies”). However, Qualified Mortgage Survey has no access to or control over these cookies, once we have given permission for them to set cookies for advertising. This privacy statement covers the use of cookies by Qualified Mortgage Survey only and does not cover the use of cookies by any advertisers.
In addition, the Website(s) use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics and Qualified Mortgage Survey’s business partners use cookies to help them analyze how users use the Website(s). The information generated by the cookie about your use of the Website(s) (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google and Qualified Mortgage Survey’s business partners will use this information for the purpose of evaluating your use of the Website(s), compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google and Qualified Mortgage Survey’s business partners may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s or Qualified Mortgage Survey’s business partners’ behalf. Google will not associate your IP address with any other data heldby Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. At this time we do not respond to browser 'Do Not Track' signals, as we await the work of interested stakeholders and others to develop standards for how such signals should be interpreted. By using this Web site, you consent to the processing of data about you by Google and Qualified Mortgage Survey’s business partners in the manner and for the purposes set out above.
Web Beacons
Some of our Website(s) may contain electronic images known as web beacons, which are also called single-pixel gifs. These images allow us to count users who have visited those pages and to deliver co-branded services. Web beacons are not used to access your personal data, but they are a techniqueused to compile aggregated statistics about our Website usage. Web beacons used on our Website(s) collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the web beacon resides. Some of our Website(s) may also contain web beacons placed there to help us determine the effectiveness of our advertising campaigns.
Third Party Advertising
The ads appearing on Website(s) are delivered to users by third party advertisers including Google, among others. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. These Website(s) allow third-party companies to serve ads and/or collect certain anonymous information when you and other Internet users visit. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this site and other Web sites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third-party web beacon to collect this information.
Log Files
Like most standard website servers,we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information. We may use a tracking utility that uses log files to analyze user movement.
Legal Disclosures
Qualified Mortgage Survey may need to disclose personal information when required by law or legal process. Qualified Mortgage Survey may also share information when it has a good-faith belief that such action is necessary: to comply with a current judicial proceeding, a court order or legal process served on Qualified Mortgage Surveyor any of its Affiliates; to prevent fraud or other illegal activity; to prevent imminent bodily harm; or, to protect Qualified Mortgage Survey and users from people violating these privacy policies or Terms of Use.
Business Transitions
In the event Qualified Mortgage Survey goes through a business transition, such as a merger, acquisition by another company, or sale of a portion of its assets, or if Qualified Mortgage Survey declares bankruptcy, Qualified Mortgage Survey may transfer your personal information as part of the assets transferred.
Links
The Website(s) contain links to other sites. Please be aware that Qualified Mortgage Survey has no control over and is not responsible for the privacy practices or content of such other sites. Qualified Mortgage Survey has no control over and is not responsible for the privacy policies or content of such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by Qualified Mortgage Survey.
Notification of Changes
Whenever Adsmonetis echanges its privacy policy, we will post those changes to the Website(s), this privacy statement, and other places we deem appropriate.
Violations of this Policy
Qualified Mortgage Survey will terminate your access to the Website(s) if, under appropriate circumstances, Qualified Mortgage Survey determines you violated this privacy policy or the Terms of Use.
California Consumer Privacy Rights
YOUR PRIVACY RIGHTS –California law permits users of the Website(s) who are California residents to request certain information regarding collection, uses, sharing of, and deletion of personal information internally and to third parties for their direct marketing purposes or otherwise. Under the CCPA, this is your ‘Right to Know’, ‘Right to Request Deletion’, ‘Right to Opt-Out of Sale’, and ‘Right to be Free from Discrimination’. To make a verifiable consumer request pursuant to the CCPA, please send an email to compliance@qualifiedmortgagesurvey.com or fill out the request form here.
A consumer request is considered verifiable by email address. For example, a verifiable request submitted by email must be received by or confirmed through the email address associated with the personal information in question. An authorized agent must contact compliance@qualifiedmortgagesurvey.com to submit a request under the CCPA on a California consumer’s behalf and must carbon copy (CC:) the email address in question in the request.
Name, phone number, street address, city, zip code, email address, household income, or financial and payment information, date of birth, age, gender, political views, vehicle(s), service or utility provider(s), and homeowner status, relationship or marital status, etc.;
Identifiers such as IP address and other network information, online identifiers,cookie IDs and similar information, mobile device IDs, advertising IDs, device information and characteristics, and browser or device “fingerprint”—not your personal fingerprint but instead a statistical classification of your device or browser;
Surveyresponses (where voluntarily provided);
Transaction information and purchase history;
Internet or network activity information, such as browsing history and interactions with our websites, mobile, or applications;
Geolocation data, such as deviceor browser location;
Form submissions and Emails; and
Inferences drawn from any of the Personal Information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics.
Qualified Mortgage Survey collects this Personal Information directly from California residents themselves; joint marketing, co-branding, co-promotional, or advertising partners; Affiliates; and other sources of demographic information.
Personal Information Sales Opt-Out and Opt-In Rights:
If you are 16 years of age or older, you have the right to direct us to not sell your personal information at any time (the “Right to Opt-Out”). Wedo not sell the personal information of consumers we actually know are less than 16 years of age. Individuals who opt-in to personal information sales may opt-out of future sales at any time.
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link: https://qualifiedmortgagesurvey.com/opt-out.html
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not deny you goods or services, charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties, provide you a different level or quality of goods or services, or suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Other California Privacy Rights :
California’s “Sine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents torequest certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to compliance@qualifiedmortgagesurvey.com.
If you suspect that Qualified Mortgage Survey has handled yourinformation in a manner that does not comply with this Privacy Policy, please contact us by emailing to compliance@qualifiedmortgagesurvey.com.
Last Updated On 2/27/2024