AllRegs Online Products

AllRegs - Privacy Statement

Mortgage Resource Center, Inc. d/b/a AllRegs (“AllRegs”) respects the privacy of its customers and users of this web site (the “Site”).   This Privacy Statement discloses how we collect and use information on the Site, and the choices that you can make about the way your information is collected and used.

1. INFORMATION COLLECTION AND USE

Some portions of the Site request that you affirmatively provide information, sometimes personally identifiable information.  In general, AllRegs uses the information you provide for the purposes stated at the point of collection.  For example, if you register for e-Alerts, the information that you provide will primarily be used to provide e-mail e-Alerts to you, or if you provide information to sign up for an audio conference, that information is primarily used to provide you with access to that audio conference.  AllRegs may also use information that you provide to contact you with opportunities to receive information from AllRegs, suppliers, or other third parties which may be of interest to you, including information relating to new products or services offered on the Site or otherwise by AllRegs, or suppliers or third parties.  You may opt out of receiving such information under the procedures described in Section 2 below.

Sale of Information / Assets

Generally, AllRegs does not share user information with third parties outside the AllRegs family of affiliates, distributors, dealers and relevant contacts.  In the event, however, that AllRegs sells or acquires business assets or concerns, in whole or in part, AllRegs may transfer user information in conjunction with such sale or acquisition.

Cookies/IP Addresses

You may access certain areas of the Site without affirmatively providing any information to AllRegs.  AllRegs may, however, collect non-personal information about you via “cookies”.
Cookies are small files stored by your web browser to help keep track of your user profile.  The Site uses cookies to remember a user’s personal profile for the user’s convenience and to deliver content specific to a user’s needs and interests.  AllRegs may also use cookies to provide faster service and to personalize a user’s visit to the Site.  AllRegs also uses cookies to track user trends and improve the Site for all users.  AllRegs’s cookies do not collect personally identifiable information, and are not shared with third parties. 

AllRegs may collect and use users’ Internet Protocol or “IP” Addresses and other site usage data to gather broad demographic information.  This data helps AllRegs serve you by allowing AllRegs to understand how visitors use the Site.  AllRegs generally does not use IP addresses to identify a user.  AllRegs, however, may use IP addresses to identify a user when we feel it is necessary to enforce compliance with the Site’s Terms of Use (or other agreements with AllRegs to which such a user is  a party) or to protect our services, the Site, our customers or others, or in response to requests or subpoenas by law-enforcement authorities.

2. CONSENT TO PRIVACY STATEMENT/OPT-OUT

By providing the information requested by the Site, or by continuing to use the Site after having an opportunity to review the Privacy Statement, you have consented to the terms of the Privacy Statement, and AllRegs’s use of the information it collects as described at the point of collection or in this Privacy Statement.  If you do not agree to the Privacy Statement, you may not use the Site.

AllRegs reserves the right to modify the Privacy Statement at any time without giving you prior notice.   Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Privacy Statement as modified.  The last date the Privacy Statement was revised is set forth below.

The Site provides users who have requested information from AllRegs the opportunity to opt-out of receiving future communications from us.  If you do not wish to receive future communications from us, please e-mail your request to help@allregs.com.

3. ACCESS/CORRECTION OF YOUR INFORMATION

Often, AllRegs will not retain personal data it has collected from its users via the Site.  Nevertheless, you may request access to any data about you that AllRegs has collected and stored by sending a request to the following email address:  help@allregs.com.  If you believe that an error has been made in the accuracy of the data collected from you, you may request that the information be corrected by sending a request to the addresses below.  AllRegs will correct the error upon adequate verification of the error and the identity of the person seeking the correction.  In order to protect your privacy and security, we may need to take reasonable steps to verify your identity before granting access or making corrections.

4. SECURITY OF THE DATA COLLECTED

Portions of the Site use security technology.  No technology, however, can guarantee that information you transmit will be 100% safe from interception or misappropriation.  Therefore, AllRegs cannot ensure or warrant the security of any information collected by us and/or our third party providers, transmitted over the Internet, or maintained in your user profile, including, without limitation, information transmitted using the Store portion of the Site.  You agree that any data transmission you make or receive through the Site is at your own risk.  Additionally, please note that credit card information submitted via the Site is processed by a third party provider and is not retained by AllRegs.

If you set up a user name and password, we recommend that you do not divulge your password to anyone.  You agree that you are solely responsible for maintaining the secrecy of your password.

5. MISCELLANEOUS PROVISIONS

Children and Privacy

The Site is not intended for use by children.  AllRegs encourages parents and guardians to be familiar with the web sites that their children visit.  The Federal Trade Commission (“FTC”) regulates the means by which web site operators collect and use personal information from children under 13, pursuant to the Children’s Online Privacy Protection Act of 1998 (the “Act”).  For more information about the Act and children’s on-line privacy in general, visit the FTC’s web site at http://www.ftc.gov. 

Forums

You may participate in a variety of online forums on the Site, as well as other discussion groups that may be offered on the Site from time to time. Any information you disclose in these areas will be available to the public and may be collected and used by persons other than AllRegs. You should not disclose any information that you do not want others to know on these areas