Bad Credit Mortgages (“Bad Credit Mortgages”) is dedicated to providing content (the “content”) written by its Authors (the “Author”) for mortgage shoppers and is not acting as a mortgage broker or mortgage lender. The information provided by you to Bad Credit Mortgages, if any, and its advertising lenders and/or brokers (the “partners”) is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. The information you provide on our mortgage form (the “form”) to our partners is used match you with lenders, and/or brokers advertising within our network. Bad Credit Mortgages does not guarantee that a mortgage lender or broker will contact you, nor do we guarantee that your rate will match any of the representational rates (the “rates”) and APRs (the “APR”) we post on our site. If you are contacted by a lender or broker advertising within our partner network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Bad Credit Mortgages does not guarantee that any of the rates, APR or terms offered and made available, if any, by participating partners are the lowest rates available in the market or the best terms available, and not all partners in our network offer all the loan options as outlined in the content of the Bad Credit Mortgages site. Not all loan programs are offered in every state nor to all consumers. Completing a form does not obligate you to purchase a service or product from the Partners, nor does it obligate a Partner to offer to you any particular service or good about which you may have inquired.
Additionally, the content on our website is supplied in good faith using references and sources deemed reliable; however it is published strictly on an "as-is" basis. Our partners may or may not offer loan programs as described in the content; Bad Credit Mortgages and our partners make no warranty that by filling out a form you will be offered any of the loan programs as described in the content. The Content is provided for informational purposes only and is not to be construed as financial or legal advice. The operator of this website and the author hereby disclaims any and all express or implied warranties to the maximum extent permitted by law. Everyone's financial circumstances are unique. You are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your personal finances.
Mortgage rates (the “rates”) and APRS (the “APR”) posted on Bad Credit Mortgages, are only a representation of current rates offered by mortgage lenders. These are not Bad Credit Mortgages rates, nor are they rates any of our lenders and/or brokers who adversities in this site. The representational rates supplied in good faith using references and sources deemed reliable; however it is published strictly on an "as-is" basis. The operator of this website and the author hereby disclaims any and all express or implied warranties to the maximum extent permitted by law. The rates and APR are provided for informational purposes only and is not to be construed as financial or legal advice. Everyone's financial circumstances are unique. You are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your personal finances.
CALIFORNIA RESIDENTS PRIVACY RIGHTS
Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: SF Finance Marketing, 60 29th Street #110, San Francisco, CA 94110. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to email@example.com.
When you visit our site, we collect anonymous information about your browsing. This information may include such things as: IP address of visitors to our Web page, Browser types, Computer Operating Systems, Cookies, and Clear Gifs from emails and ad banners. We also collect aggregate information on what pages visitors access or visit, how long visitors stay on each page, and visitor-specific information on what pages visitors access or visit. We use this information to improve our marketing and promotional activities, to analyze our site usage, and customize our site to better meet the needs of our visitors.
We do not (and can not) use IP addresses, browser types, operating systems, Cookies, or Clear Gifs to retrieve any personal information about you or other computer users from your computer.
Bad Credit Mortgages does not collect any personal information about you unless you voluntarily provide it to us. If you do submit personal information to us, Bad Credit Mortgages may use it fulfill your request or follow-up with you to provide the information that you requested.
Personal Information could include the following: address, telephone number, email, loan value, contact name, etc.
You may provide information of a nature personal to us for the following situations (for example):
- To share with lenders or brokers for the purpose of receiving information about a product or service in which you are interested
- To receive information about partnering with us as an affiliate, lender, broker, etc.
- To register to receive communications from Bad Credit Mortgages and its third party affiliates and partners
- To share your comments or feedback about our web sites
- To ask a question or seek additional information
If you voluntarily choose to provide personal information, we will use it for purposes such as:
- To share with our partners for the purpose of sending you information about a product or service in which you have expressed interest or in which we believe you will be interested
- To receive information about partnering with us as an affiliate, lender, broker, etc.
- To send communications that you have requested from Bad Credit Mortgages and its third party subsidiaries
- To improve or customize the content and/or layout of our web pages
- To send you related information in which we think you might be interested
- To contact you when necessary
By submitting your personal information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that Bad Credit Mortgages has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act).
Information Sharing and Disclosure
We will share your Personal Information with selected third parties in response to your request. We may share your Personal Information with selected third parties to offer you products or services in which we think you will be interested. We may disclose it in compliance with applicable laws and/or if we are responding to subpoenas, court orders, or other legal processes.
We will only share your personally identifiable information to other companies or people when you have consented to share your Personal Information with us. To process your Lender referral request, we (and our third party partners and affiliates) require your name, phone number, email address, loan balance(s) (if any), and estimated financial information such as debts, salary, credit, etc. In select cases, a social security number may be requested for particular partners.
From time to time, we make the email addresses of those who volunteer their email addresses to us available to other reputable organizations whose products or services we think you might find interesting. If you supply us with your postal address online, you may receive periodic mailings from us with information on new products and services or upcoming events. Also, you may receive mailings from other reputable companies. If you do not want us to share your email address or postal address with other companies or organizations, please let us know by following one of the options described in the Opt-Out section below.
Third-party advertising companies may serve ads on our website. These third-party advertising companies employ Cookies and/or Clear Gifs to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, the banner ad that was shown, Cookies, and the IP address. This information can also be used for online preference marketing purposes. Clear Gifs, Cookies, and the IP address are not tied to users’ personally identifiable information.
Spam is commercial email or unsolicited bulk email which has not been requested by the recipient. You will not receive Bad Credit Mortgages email communications unless you submit your email address and register to receive these communications. You may receive third-party emails advertising products and services from our partners and affiliates. If you submit your email (or other Personal Information) to websites to which we are linked or which are linked to us, we are not responsible for their practices. Although we encourage third-parties to abide by Can-SPAM laws, we cannot enforce or change their actions. If you wish to remove your contact information from the third-party, please follow their opt-out instructions.
By voluntarily submitting your request for more information and to be contacted regarding information on mortgage or related products, you are consenting to have Bad Credit Mortgages submit your request with up to four lenders or mortgage brokers who may contact you by telephone, email and/or mail, even if you opted into the Federal Trade Commission’s National Do Not Call List, any state Do Not Call List, and/or any company’s internal Do Not Call List. We do not represent any of the mortgage loan lenders on Bad Credit Mortgages, nor will your information be submitted to a specific mortgage lender about whom we provide content.
Bad Credit Mortgages provides visitors the opportunity to opt-out of receiving communications from us, our partners, or third parties at the point when you submit Personal Information to us. If you have given us permission and wish to remove yourself from such communications, please click on the opt-out or unsubscribe link in any communications you have already received.
We believe that your personal information should remain just that, Personal Information, by providing secure transmission and storing of your information. We use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our website and web server.
Last Updated: March 26, 2010