We Are Not The Government; This Is Not An Offer To Lend
These site policies were updated on: 12/17/2019
All approvals and rates are not guaranteed, and are only issued after a potential borrower has spoken with a licensed mortgage professional.
This website (ShelterRealty.com) is not acting as or representing a bank / mortgage lender by offering a commitment to lend. The content written by each author on this blog is solely intended for information purposes.
The individual authors on this blog are responsible for their own content and do not necessarily represent the views and opinions of the other contributors.
You should check with an attorney and your Certified Public Accountant prior to acting on any of the information that is contained in this blog.
Each contributor to ShelterRealty.com acknowledges and adheres to the following:
Shelter Realty is not the Government, and do not officially represent the HUD, VA, USDA or FHA’s opinions. Please verify all information.*
Shelter Realty Privacy Disclosure
Information We Collect
We collect personal and non-personal information when you provide it to us in the course of using our Website. The personal information that we may collect includes your name, mailing address, phone number, email address, credit card number, and financial information. The non-personal information that we may collect includes your server address, your browser type, the URL of the previous website you visited, your ISP, operating system, the date and time of your visit, pages accessed during your visit, documents downloaded from our Website, and your Internet protocol (IP) Address. Unless this Website asks for specific personal information in order to respond to requests for information or to register uses for particular services, only the non-personal information will be collected when you use this site for statistical purposes and to enable us to improve the navigation functions of our web site.
When you subscribe to our service or otherwise make a purchase through our Website we will collect your name, mailing address, telephone number, credit card number, email address, and other information that we request during the registration process.
In addition, if you communicate with us regarding the Website or any of our services or products we collect any information that you provide to us during the course of our communication.
We may use analytic and reporting technologies to record non-personal information, defined above. Your personal information will only be collected by the staff of Proprietor who have responsibility for responding to such requests or administrating such registrations. However, we may contract with a third party to help us manage, monitor and optimize our Website and measure the effectiveness of our advertising, communications and use of the Website. We may use web beacons and cookies (described below) for this purpose.
Our Use of Information for Internal Purpose
We use your personal information primarily for our own internal purposes, such as providing, maintaining, evaluating, and improving our Website and the products and services we offer and sell, to collect credit card payments for subscription fees and other purchases you make, and to provide customer support.
Disclosure of Personal Information to Third Parties
We will disclose your personal information to protect or enforce our legal rights and policies, to protect or enforce the legal rights of a third party, or as we in good faith believe we are required to do so by law (such as to comply with a subpoena or court order, for example).
We may contract with various third parties who help us provide, maintain and improve the Website and the services we provide and the services and products we offer and sell and such third parties may have access to your personal information in order to perform their services (for example, to ship an order). Personal information collected on this web site will only be used for the purposes stated at the time of collection. Your personal information will not be forwarded to any third party except as stated above, added to a mailing list or used for any other purpose without your consent.
A web beacon is an often-transparent graphic image, usually no larger than a 1×1 pixel that is placed on a web page or in an e-mail that is used to monitor the behavior of the user visiting the Website or receiving the e-mail.
Cookies and web beacons used by us will not be linked to your personal information. Unless required by law to do so, Proprietor will only disclose personal information collected on this site to a third party if consent has been provided.
How We Protect Your Personal Information
We consider protecting the security of your personal information as very important. However, this site does not provide facilities to guarantee the secure transmission of information across the Internet. Whilst reasonable efforts are used to provide security, users should be aware that there are inherent risks in the transmission of information across the Internet. When you enter sensitive information such as a credit card number and/or social security number on our registration or order forms, we encrypt that information using secure socket layer technology (sometimes referred to as “SSL”).
We follow generally accepted industry standards to protect 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. Therefore, while we strive to use commercially acceptable means to protect your personal information, we do not guarantee absolute security. We are not responsible for the unauthorized acts of others and we assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access (such as through hacking) or other acts of third parties, or acts or omissions beyond our reasonable control.
Reviewing and Changing Your Personal Information
You may obtain a copy of and request that we correct errors in your personal information by contacting us via the contact information on the Website. If you do desire to obtain a copy of your personal information, you will be required to provide proof of your identity. If your personal information changes or if you no longer want to subscribe to or use the Website, you may correct, update, terminate or deactivate your personal information and your account by contacting Proprietor via the contact information at the top of the Website. There is no fee for requesting access to your information; however, we may charge you the reasonable cost of processing your request.
Website and the services and products we offer and sell are intended for potential home buyers, those looking to refinance their home, and other typical clients of Proprietor. Therefore, it is unlikely that children under the age of 17 will use the Website or purchase the services or products we offer. Accordingly, we will not knowingly collect or use any personal information from children that we know to be under the age of 17. In addition, we will delete any information in our database that we know originates from a child under the age of 17.
If you are between the ages of 13 and 17, you, your parent, or your legal guardian may request that we deactivate any of your personal information in our database and/or opt-out from receiving communications from us. If you wish to do so, please contact us via the contact information on Website.
By submitting or posting content on any area of website you automatically grant as well as represent and warrant that you have the right to grant to Shelter Realty an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute such information and content. Shelter Realty has the right to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. Further, Blog Contributors agree to indemnify and hold Shelter Realty and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit or make available through the Service, your use of the Service, your connection to the Service, your violation of the site policies, or your violation of any rights of another. Contributors also understand that their activity does not represent a form of ownership or implied partnership in this Internet site.
Consent for Data Processing Where Applicable (GDPR).
Beginning March 25, 2018, some countries outside of the United States will require explicit consent to process and/or use data gathered on certain sites. However, this site is controlled, operated and administered entirely within the United States. It offers its service only in the English language and does not target users in any other counties. If you are located outside the United States, please be aware that while visiting this site information you provide to us through the site may be processed and transferred to the U.S. The privacy and data protection laws in the U.S. may not be equivalent to such laws in your country of residence. By using the Services, you consent to this collection, transfer, storage, and processing of information to and in the U.S.
California Consumer Privacy Act (CCPA).
The California Consumer Privacy Act (CCPA) is a data privacy law that establishes right for residents of California to opt out of the “sale” of their “personal information” (as the law defines those terms), with the opt-out function offered via a prominent “Do Not Sell My Personal Information” link on the “selling” party’s homepage. CCPA does recognize certain exceptions to the definition of “sale,” such that not all transfers of personal information are “sales.” For example, transferring personal information from users of this site to a “service provider” such as an Internet Service Provider (ISP) under the law is not a sale.
As a part of our continued commitment to users, we never sell personal information to third parties, however, to ensure compliance with CCPA, this site automatically uses “restricted data processing” which meets the California Consumer Privacy Act (CCPA) compliance requirements for all users who our software and statistics partners (Google Analytics, etc.) determine visit this site from the State of California preventing a need for having users specifically “opt-out” by clicking on a “Do Not Sell My Personal Information” link.
Restricted data processing restricts how our statistic technologies uses certain unique identifiers when users visit and interact with the site, and limits data processed in the provision of services to users. With respect to data to which restricted data processing applies, these purposes include ad delivery, traffic reporting and measurement, security and fraud detection, debugging, and improving and developing features for the services.