- Mortgage Solutions Network and msninc.net The privacy of our visitors to msninc.net and customers of Mortgage Solutions Network is important to us.At Mortgage Solutions Network, we recognize that privacy of your personal information is important. Below is the information on what types of personal information we receive and collect when you use and visit http://msninc.net or conduct business with Mortgage Solutions Network and how we safeguard your information. We never sell your personal information to third parties. We obtain the majority of our information directly from you via a web contact form, application, contract, supporting documents or in telephone conversations with Mortgage Solutions Network.
We also collect nonpublic personal information about you from the following sources:
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from a consumer reporting agency.
We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us at the address below.
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Web Contact Form Personally-identifiable information gathered through this website is the information that a user chooses to provide by filling out an online application or a web contact information request form.
Traffic Data We automatically track and collect general log information when you visit the Websites, including but not limited to your IP address, device, domain server, operating system, and type of web browser as well as the pages you visit (“Traffic Data”). Traffic Data may not personally identify you, but is helpful for marketing purposes and for improving your experience on the Websites. We use the Traffic Data to report aggregated activity on the Websites and to better understand the needs of our users so we can make informed decisions regarding the content and design of the Websites. This data assists us with the following:
• Estimating our audience size and usage patterns;
• Learning what information is of most and least interest;
• Speeding up your searches; and
• Determining any possible performance problems on the Websites.
We may collect Traffic Data through various methods including, but not limited to,cookies (which are text files sent to your web browser and stored on your hard disk, to enable us to provide you with a more individualized experience on the Websites and delivery of information), IP addresses, and transparent GIFs or pixel tags (which are small graphic files that allow us to monitor the use of the Websites and our email communications). We may also use Traffic Data, including tracking cookies and retargeting marketing cookies, to provide you with Mortgage Solutions Network-related advertising, including via our third-party advertising partners, and share with our analytics providers.
We may also use third party advertisements on http://msninc.net to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).
Advertising and Opt-Out
Our third-party advertising partners may use certain information about your visits (e.g., excluding name, address, email address or telephone number, but including but not limited to geo-location information and Traffic Data) to this and other websites, mobile websites and/or mobile applications across your various devices, in order to provide content and advertisements about Mortgage Solutions Network to you across those various devices. If you would like more information about this practice and to know your choices with respect to it, please: (1) visit the Digital Advertising Alliance’s opt-out page (currently available at http://www.aboutads.info/choices/) or the Network Advertising Initiative’s opt-out page (currently available at http://www.networkadvertising.org/choices/) to learn how to opt out of having your information collected in browsers for ad serving purposes; and (2) download an Ad Control application, available for iOS and Android, to learn how to opt out of having your information collected in mobile apps.
DoubleClick DART cookies We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (“interest based targeting”). The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey). DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx
You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.
Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.
How does Mortgage Solutions Network protect information about you?
The forgoing is and has been our policies since December 1, 2011 and no material changes to the policy will be made without changes being made to this online Policy Statement.
Customer Service-Privacy Coordinator
Mortgage Solutions Network
197 West Crogan Street Suite 201
Lawrenceville, GA 30046