Physician Loan Directory, (“we” or “our”) is committed to protecting our customers and other website users (“you” or “your”) privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Policy (the “Policy”) applies to the Physician Loan Directory website and governs data collection and usage. By using the Physician Loan Directory website, you consent to the data practices described in this Policy.
Collection of your Personal Information
Physician Loan Directory collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Physician Loan Directory also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically collected by Physician Loan Directory. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Physician Loan Directory for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Physician Loan Directory website. This policy covers both online and offline activities, including information that we collect through our website, marketing events, applications you submit online and in person (among other methods).
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through any Physician Loan Directory public message boards, this information may be collected and used by others. This includes any information that is part of your profile on a third-party social network (such as Facebook, Instagram, Twitter) and that you allow the third-party social network to share with us. Note: Physician Loan Directory does not read any of your private online communications, such as a direct message sent to your loan officer or loan consultant.
Physician Loan Directory encourages you to review the privacy policies of websites you choose to link to from ours so that you can understand how those websites collect, use and share your information. Physician Loan Directory is not responsible for the privacy policies or other content on websites outside of the Physician Loan Directory family of websites.
In all cases, we strive to limit the amount of information we collect and store to that which is necessary to provide you the relevant services.
WHAT INFORMATION IS COLLECTED? The types of personal information we collect, and share depend on the product or service you have with us.
Use of your Personal Information
Physician Loan Directory collects and uses your personal information to operate our website and deliver the services you have requested. Physician Loan Directory also uses your personally identifiable information to inform you of other products or services available from us and our affiliates.
Physician Loan Directory does not sell, rent or lease its customer lists to third parties. Physician Loan Directory may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, we may share data with trusted partners for a business purpose, for instance, to perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries, among other things. All such third parties are prohibited from using your personal information except to provide these services to Physician Loan Directory, and they are required to maintain the confidentiality of your information.
Physician Loan Directory does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Physician Loan Directory keeps track of the websites and pages our customers visit within Physician Loan Directory, in order to determine what Physician Loan Directory services are the most popular. This data is used to deliver customized content and advertising within Physician Loan Directory to customers whose behavior indicates that they are interested in a particular subject area.
Physician Loan Directory websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Physician Loan Directory or the website; (b) protect and defend the rights or property of Physician Loan Directory; and, (c) act under exigent circumstances to protect the personal safety of users of Physician Loan Directory, or the public.
California Consumer Privacy Act (CCPA)
On January 1, 2020, the California Consumer Privacy Act secured new privacy rights for California consumers. This act provides California residents with broad rights with respect to their personal information, and imposes significant new obligations on covered businesses.
You may make these requests related to your California privacy rights at this link (https://mortgagesolutions.net/ccpa-opt-out/), by sending an email to Privacy@mortgagesolutions.net, or by calling 1-866-346-7677.
When you make a request, we may ask you to provide verifying information, such as your name, email, or phone number. We will review the information provided and may request additional information via email or other means to ensure we are interacting with the correct individual. Please also be aware that making any such request does not ensure complete or comprehensive removal or deletion of personal information or content you may have posted, and there may be circumstances in which the law does not require or allow us to fulfill your request.
Please be aware that we do not accept or process requests through any other means (e.g. via fax, social media, other email addresses or telephone numbers, etc.)
Use of Cookies
The Physician Loan Directory website use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Physician Loan Directory pages, or register with Physician Loan Directory’s website or services, a cookie helps us to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Physician Loan Directory website, the information you previously provided can be retrieved, so you can easily use the Physician Loan Directory website features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Physician Loan Directory services or websites you visit.
Security of your Personal Information
Physician Loan Directory secures your personal information from unauthorized access, use or disclosure. We secure the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When we transmit personal information (such as a credit card number) to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
We Do Not Collect Information From Children
We do not knowingly solicit or collect any type of information from a person under the age of 18. If you learn that a child has provided us with personal information in violation of this Privacy Policy, then you may alert at admin@physicianloandirectory.com and we will remove that information from our records as soon as feasibly possible.
Changes to this Policy
Physician Loan Directory will occasionally update this Privacy Policy to reflect company and customer feedback. Physician Loan Directory encourages you to periodically review this Policy to be informed of how we are protecting your information.
Contact Information
Physician Loan Directory welcomes your comments regarding this Policy. If you have any questions or concerns about this notice, or about the privacy of your nonpublic personal information that you have provided via use of this website, or would like to opt out from future contact by Physician Loan Directory, please contact Physician Loan Directory at admin@physicianloandirectory.com. If you believe that Physician Loan Directory has not adhered to this Statement, please contact Physician Loan Directory. We will use commercially reasonable efforts to promptly determine and remedy the problem.
Physician Loan Directory Terms
Please read these terms of use carefully (the "Terms"). If you use the website (including mobile websites), applications, or other services on which these Terms appear (collectively, the Physician Loan Directory Property), that means you understand and accept these Terms. These Terms may change from time to time. If we make changes, we will let you know by posting the changes on our website. These Terms and any other legal terms found elsewhere on this web site are the entire agreement between you and Physician Loan Directory with respect to your use of our website. These Terms and other legal terms on our site supersede any and all other understandings or agreements, written or oral, regarding your use of our website.
From time to time, we may update this Physician Loan Directory Property and these Terms. Your use of this Physician Loan Directory Property after we post any changes to these Terms constitutes your agreement to those changes. You agree to review these Terms periodically to ensure that you are familiar with the most recent version. Physician Loan Directory may, in its sole discretion, and at any time, discontinue this Physician Loan Directory Property or any part thereof, with or without notice, or may prevent your use of this Physician Loan Directory Property with or without notice to you. You agree that you do not have any rights in this Physician Loan Directory Property and that Physician Loan Directory will have no liability to you if this Physician Loan Directory Property is discontinued or your ability to access the Physician Loan Directory Property or any content you may have posted on the Physician Loan Directory Property is terminated.
Copyright
Copyright © 2023 Physician Loan Directory. All rights reserved. The materials on this site, including without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons, renditions and floor plans, are original copyrighted materials owned by Physician Loan Directory or its subsidiaries and/or affiliates. These materials are protected by federal law against unauthorized copying and reproduction. Our website content is provided for your personal informational purposes only. You may print a single hard copy for your personal use. You may not otherwise use, copy, modify, distribute, republish, or transmit any of the content or materials from the Physician Loan Directory Property without our written permission. You agree that if you violate this prohibition, you may be subject to all legal remedies available to Physician Loan Directory or its subsidiaries and/or affiliates.
You will also be responsible for any other losses, attorneys' fees or costs we may incur due to your violation.
Use of Communication Services
The Physician Loan Directory website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Physician Loan Directory has no obligation to monitor the Communication Services. However, Physician Loan Directory reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Physician Loan Directory reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Physician Loan Directory reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Physician Loan Directory’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Physician Loan Directory does not control or endorse the content, messages or information found in any Communication Service and, therefore, Physician Loan Directory specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Physician Loan Directory spokespersons, and their views do not necessarily reflect those of Physician Loan Directory.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.