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Privacy Policy & Disclaimer
PickYourOwnRate.com has created this privacy statement in order to demonstrate our firm commitment to privacy and disclosure of practices. The following discloses our information gathering and dissemination practices for this website.

Privacy
PickYourOwnRate.com is sensitive to privacy issues on the Internet. We believe it is important you know how we treat the information about you we receive on the Internet. In general, you can visit PickYourOwnRate.com on the World Wide Web without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the e-mail addresses, of visitors. This information is aggregated to measure the number of visits, average time spent on the site, pages viewed, etc. PickYourOwnRate.com uses this information to measure the use of our site and to improve the content of our site. Any personal information we collect is used only by our team of qualified mortgage professionals and our affiliates to respond to your inquiry, process an order or allow you to access specific account information. Occasionally, we may make the e-mail addresses, of those who provide information, available to other reputable organizations whose products or services we think you may find interesting. In these cases, you will be offered an opportunity to limit access to your information. At times we conduct on-line surveys to better understand the needs and profile of our visitors. When we conduct a survey, we will try to let you know how we will use the information at the time we collect information from you on the Internet. PickYourOwnRate.com may contain links to other sites such as PickYourOwnRate.com distributors and or sales affiliates. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other.

Information We Collect and How It's Used
To process your loan information request, we require your name, phone number, email address, mortgage balance (if any) and estimated financial information such as debts, salary, credit, etc. This information may be used by PickYourOwnRate.com and/or the lenders in our network to provide accurate loan quotes and to contact you with rates and terms.

Mortgage professionals outside the State of Florida pay a flat fee to advertise their business on PickYourOwnRate.com. The mortgage professionals contact the consumer directly regarding their specific needs. We guarantee that all information submitted through this website is strictly confidential.

Further, we guarantee that all information submitted through PickYourOwnRate.com is transferred to no more than four (4) licensed professionals who are either: a specialist for the selected loan type, or local to the consumer. Not all lenders will offer a program that is right for you.

We will honor all requests immediately to remove any consumer from any marketing campaign that we operate, if any. Further, if there are any questions as to any part of our privacy/disclosure policy, please e-mail us directly at inquiries@pickyourownrate.com.

All information is encrypted and processed over a secure server for your protection.

We use your IP address to help diagnose problems with our server, and to administer our website only.

This site contains links to other sites. PickYourOwnRate.com is not responsible for the privacy practices or the content of those websites.

Our site uses an order form for customers to request information, products, and services. We collect visitor's contact information (like their email address). The contact information from the order form is often used or transferred to third parties to send promotional material from any of our partners or reputable third parties that may be of interest to our customers. The customer's contact information is also used to get in touch with the visitor when necessary. Users may opt-out of receiving future mailings; see the choice/opt-out section below.

Service Providers
We use other third parties to provide additional services on our site. When you sign up with PickYourOwnRate.com, we will share your email address as necessary for the third party to provide that service. These third parties are prohibited from using your personally identifiable information for any other purpose.

Other Third Parties
Advertising lenders and state specific government agencies provide content in our site. The information these companies make available may be presented in a "framed" format, where the border will surround the pages served by the service provider.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We offer all personal data transmission through HTTPS, a secure Internet communications protocol.

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our website, you can send email us at inquiries@pickyourownrate.com.

Choice/Opt-Out
Our site provides users the opportunity to opt-out of receiving communications from either us or our partners at the point where we request information about the visitor. If you would like your information removed from our database so you do not receive future communications, you can send us an email to remove@pickyourownrate.com.

Service-Related Announcements
We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email.

Generally, you may not opt-out of these communications, which are not promotional in nature.

Correct/Update
This site gives users the following options for changing and modifying information previously provided.

• E-mail inquiries@pickyourownrate.com.

• Visit http://www.pickyourownrate.com/resubmit.html.

Cookies
A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser's “help” file. For more about cookies, please visit: http://www.microsoft.com/info/cookies.mspx .

We set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Litigation Provisions
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website. We will share a consumer's personally identifiable information with third party businesses for purposes of direct mail, email marketing and telemarketing.

Resolution of Disputes
If any dispute regarding any matter whatsoever arises between a visitor and the owner/operator of this site, that dispute must be resolved by arbitration as herein provided. First, the person making a claim must provide written notice of that claim to the other party within thirty (30) days after the claiming party learns that he/she/it may have a claim. Failure to provide said thirty (30) day notice shall result in the complete release and extinguishment of the alleged claim. If said thirty (30) day notice is timely provided then the claiming party must notify the American Arbitration Association in Miami, Florida and otherwise file the claim with the American Arbitration Association within thirty (30) days after the date of the thirty (30) day complaint letter. Said arbitration must then be resolved formally within thirty (30) days after submittal of the claim to the American Arbitration Association. Whatever fees must be paid to the American Arbitration Association shall be the complete responsibility of the claiming party. By continuing to use this site, you, as a visitor, agree that the foregoing dispute resolution process is fair and reasonable in all respects. If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

Contacting the Website
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact customer service at inquiries@pickyourownrate.com.

DISCLAIMER
PickYourOwnRate.com does not evaluate, recommend or guarantee in any way, either directly or indirectly, the quality of any of the advertisers or any of the information provided by the advertisers.

All information provided by advertisers is subject to immediate and ongoing change without notice.

PickYourOwnRate.com is not responsible or liable if any information received from this site infects or contaminates any user's system.

PickYourOwnRate.com cannot, in any event, be liable to any user of or visitor to this site for any reason. Any formal action that challenges in any way this statement of non-liability must be conducted by arbitration before the American Arbitration Association in Miami-Dade County, Florida.


PickYourOwnRate.com is a division of BMR Enterprises, Inc. This site is supported by advertisements and therefore, use of this website constitutes acceptance of our privacy and disclaimer policies.


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