Privacy Policy

Privacy Policy and Security Statement is dedicated to safeguarding your online privacy. The following explains how your information will be treated as you make use of our products and services.

Your Information draws a distinction between information that is provided when registering and information that is provided when listing your property for sale on our Web site.

Personal Information

Personal information is defined as any information entered when registering or using services obtained through our Web site, information you provide as part of registration for one of our education or seminar programs or any other information collected about you on our Web site (such as how long you spend on the Web site, what you look at on the Web site, etc.) We at constantly strive to provide useful products and services based on the content of our site, including participants in our educational programs and seminars and on related subjects of interest. We may sell or distribute certain individual personal information to other companies, including related interests or vendors so as to provide you with important offers. We may also use or provide partners with aggregate information from the information provided by all users. If you linked to this page (or subscription form) from another Web site, information entered here may be disclosed to the owners of such Web site and to other third parties. If you are a participant in our educational programs and seminars we may provide you special offers on related subjects of interest or an email displaying those subjects.


To enhance your visit with personalized services, makes use of cookie technology. A cookie is a small file that is assigned to a user when he or she registers on a Web site. These cookies do not collect personally identifiable information, nor are they shared with our partners and vendors. We use cookie technology to track the way in which customers use the site so that we can provide them with content that caters to their needs. This includes participation in our educational and seminar programs. We also use cookies to make your visit more convenient by saving your password or registration so that you do not have to re-enter it each time you visit our site.

IP Address

IP addresses are unique to each computer, and they are used to identify senders and receivers of information over the Internet. uses your computer's IP address to administer our Web site to verify your identity and to report aggregate information to our advertisers.

Contests and Surveys occasionally asks users to complete surveys that we use for research purposes. This information is shared with advertisers on an aggregate basis unless you otherwise consent. Individual user information is not released without your consent.
A Word About Security
At, we are committed to maintaining a secure environment to store and receive your personal information.
All of the information transmitted to is stored safely and securely behind our firewall. A firewall is a buffer that isolates our network from the Internet.
At, we constantly monitor our Web security to protect your information. Once your information is received at, access to your information is limited. Each employee is provided with a copy of this document so that they are aware of our privacy practices. works closely with our partners to ensure your privacy, however, we are not responsible for the privacy policy or content of our partners' Web sites or of third-party vendors.
Unless otherwise noted herein we will not disclose any of your personal information to third parties, except when we have your permission or when we believe in good faith that the law requires it.

Changing and Editing Your Information

You, as a user, can change or edit your personal information at any time. This procedure is accomplished by choosing to edit your profile account information or registration information once logged in on our Web site. If you have any difficulties with, or questions about the modification of personal information, please contact


Thank you for taking the time to educate yourself about the ways in which collects, uses, and stores the information that you provide. We recommend that you also read our Terms and Conditions of Service and Use since it provides more information about policies. If you have any questions about our privacy policy and security statement, please contact Please revisit this site on occasion to make sure that you have viewed the most recent version of the privacy policy and security statement. reserves the right to change any of the information listed on this document and will notify users of any changes by posting the new version of this document to the site at the Privacy Policy & Security Statement link.

Terms and Conditions Governing the Use of this Web Site

1. Applicability of These Terms and Conditions
Your access to and use of this Web site and information, documents, tools, software applications, materials made available through this Web site, including, without limitation, the graphics, icons, and overall appearance of this Web site, (collectively, including this Web site, the "Contents"), are subject to the terms and conditions set forth herein (“Terms and Conditions”). By accessing or using the Contents, you, individually or on behalf of the entity using your services, (“You”) agree to these Terms and Conditions, as amended from time to time without notice by

2. Ownership and Reservation of Rights
All Contents are the property of or used under license. does not waive any of its proprietary rights therein including, but not limited to, copyrights, trademarks, and other intellectual property rights. The availability of any Contents through this Web site shall under no circumstance constitute a transfer of any copyrights, trademarks, or other intellectual property rights of to any Web site user or any third party.
This Web site and the Contents are protected by U.S. and international copyright laws, both as individual works and as a compilation. You may not delete any copyright or similar notice from any Contents you obtain from this Web site.
Except as authorized under Section 4 below, the Contents may not be used for any purpose other than internal business purposes without the prior written consent of
Unauthorized attempts to upload, extract or otherwise “scrape” Contents, change the Contents, access or third party servers hosting the Contents, are strictly prohibited, constitute unauthorized access and/or access in excess of authorization, and may be subject to prosecution.

3. No Warranties; Limitation of Liability
The Contents are further subject to change without notice. expressly disclaims any obligation to keep the Contents up to date or free of errors or viruses, or to maintain uninterrupted access to this Web site.

4. Software Applications End-User License Agreement
This Web site provides access to certain technology applications,  the use of which is governed by certain license agreements. In the event of a conflict between such agreements and these Terms and Conditions, such agreements shall govern. The fact that a provision appears here but not in such agreements shall not be interpreted as, or deemed grounds for finding, a conflict for purposes of this paragraph.
Access to and use of proprietary software applications made available through this Web site not otherwise subject to such specific license agreements (“Software Applications”) are subject to these Terms and Conditions and the terms and conditions set forth in this Section 4 (“Software Applications End-User License Agreement”):

4.1. License
Upon successful access to a Software Application hereby grants You a non-exclusive, limited, royalty-free, and revocable license to use such Software Application for internal business purposes in the United States of America and its Territories, provided that You do not: (i) modify, create derivative works from, distribute, publicly display, publicly perform, or sublicense the Software Application; (ii) use the Software Application for service bureau or time-sharing purposes or in any other way allow third parties to exploit the Software Application; (iii) share personal access credentials to the Software Application; or (iv) reverse engineer, decompile, disassemble, or otherwise attempt to derive any of the Software Application’s source code.

4.2. Maintenance; Updates and Upgrades

Absent a specific license agreement in place contemplating maintenance and support services, may provide or terminate support and maintenance services for the Software Application at its sole discretion.
In addition to the disclaimers and limitations of liability set forth in Section [__], incorporated herein by reference, does not warrant that the Software Application will perform without error, that it will run without immaterial interruption, that it will meet Your requirements or that data generated by or contained in the Software Application will be accurate or complete.

4.3. Term & Termination

You may elect to, and may, terminate this Software Applications End-User License Agreement for a Software Application for convenience. Further, this Software Applications End-User License Agreement for a Software Application will automatically terminate when Your access to that Software Application is terminated, including as a result of retiring the Software Application at its discretion. Upon termination, the licenses granted in Section 4.1 (“License”) will terminate and You will cease all use of the Software Application and delete all copies thereof in Your possession or control, as applicable.

4.4. Passwords

You will ensure that each password issued to You by is securely maintained and used only by the end user to whom it has been issued. You will immediately notify if an end user registered by You ceases to be authorized to access the Software Applications, including as a result of such end user no longer being employed by You. is under no obligation to provide access to any end user and reserves the right at any time to change or revoke passwords. 

5. User Contributions

5.1. Unsolicited Ideas will not be obligated to anyone disclosing unsolicited ideas to personnel. The purpose is to avoid potential misunderstandings or disputes when's business activities are similar to ideas submitted to
Absent any written agreement to that effect, the disclosure of ideas to for new products, enhancements, features, innovations or inventions, or of any ideas of any sort that may be related to's business, is governed by the following terms: 
• is in no way obligated to the disclosing party,
• is not obligated to keep the idea disclosure confidential,
• is not obligated to compensate the disclosing party for use of the idea, and
• expects that, if the disclosing party wants to protect his/her ideas, he/she will have filed a patent application prior to the submission of such ideas to 
If You are a third party not otherwise subject to an agreement with governing such disclosures, You must agree to these terms prior to contacting any staff and execute and submit the Unsolicited Ideas Disclosure Agreement. If, You still submit your ideas to without submitting the Unsolicited Ideas Disclosure Agreement,, then regardless of what You or Your letter say, the above terms shall apply to Your idea submission.
If You do not agree to these terms, do not contact any personnel about Your idea.

5.2. User Generated Contents does not commit to reviewing all information and materials submitted by users of the Web site for consideration or publication by (“User Generated Contents”). reserves, however, the right to block or remove in its sole discretion User Generated Contents, or disable access privilege to users who submit User Generated Contents, that: (i) are factually erroneous or misleading, (ii) deems offensive, defamatory, libelous, threatening, harassing, abusive, hateful, or inappropriate in any way, (iii) threaten the privacy rights of another, (iv) infringe on intellectual property and proprietary rights of another, or the publication of which would violate the same, or (v) violate any laws or regulations. Personal information contained in User Generated Contents is subject’s Privacy Statement available here. shall have otherwise no liability or obligation with respect to User Generated Contents and may freely copy, adapt, distribute, publish, or otherwise use User Generated Contents without any duty to account. 

6. Linking Conditions welcomes links to its Web sites. You may post hyperlinks to link to's Web sites, subject to the following terms and conditions. By establishing a link to a Web site, you will be deemed to have agreed to the following terms and conditions.

6.1. General Obligations

Subject to the limitations set forth below, links may be established to the main areas, sub-directories, and featured areas of this Web Site (“deep linking”).
When linking to this Web site, you:
• Should not create frames around the Web site or use other techniques that alter the visual presentation of the Web site, except as provided below.
• Should not imply that is endorsing You or Your products or services.
• Should not imply an affiliation between your company and without the prior written consent of
• Should not misrepresent Your relationship with or present false or misleading impressions about's products or services.
• Should not publish materials that may be interpreted as distasteful or offensive and should be appropriate for all age groups. 

If you link to this Web site in conformance with the foregoing, grants You a limited, non-exclusive, non-transferable, royalty-free license to use the word mark and/or name of the Web site or Software Application (the "Licensed Mark") solely for the purpose of serving as a link from Your web site or other electronic publication to the Web site and its Contents. Logos, including the logo, are not licensed hereunder and may not be used by You in connection with the linking described herein, without’s prior written permission. Except for the limited license to use the Licensed Mark granted in this paragraph, You may not use any of's trademarks or service marks in commerce (the "Marks") without's prior written permission.
You acknowledge that all rights to the Marks belong to and/or its third party licensors. You will not at any time directly or indirectly contest or infringe these rights. shall have no responsibility or liability for any content appearing on Your web site or electronic publication. may at any time, in its sole discretion, immediately terminate Your license to use the Licensed Mark and Your right to link to the Web sites, with or without cause. If exercises this right, you will immediately remove all links to the Web sites and cease using the Licensed Mark.

6.2. Links to Password-Protected Areas

Some areas of this Web site may be accessible only by entering a user ID and password (the "Password-Protected Areas").
The Password-Protected Areas contain applications (such as Desktop Originator® and Desktop Underwriter®), manuals, forms, and other documents or programs (collectively, the "Licensed Products") available for use only by lenders, originators or other businesses (the "Licensed Users") that have entered into a currently effective license agreement (the "License Agreement") with to use the Licensed Products. Only Licensed Users of a Licensed Product may create links to and create frames around Web pages located in Password-Protected Areas that contain the Licensed Product, subject to the conditions described below:

• Links to pages within Password-Protected Areas will be governed by all of the Linking Conditions described above and below and by the terms of the License Agreement regarding the Licensed Products. By establishing a link to Password-Protected Areas, you will be deemed to have agreed to all of these terms.
• A Licensed User may create a link from its Web site to Password-Protected Areas only for the Licensed User's own internal business purposes. A Licensed User may not use a Licensed Product located in a Password-Protected Area to provide services to third parties, other than third parties who are also Licensed Users of the Licensed Product, except to the extent such services are permitted under the License Agreement for the Licensed Product.
• Links to pages within Password-Protected Areas may be established only from secure pages on your Web site (namely, pages that require an ID and password for access), which are not accessible to the general public.
• If you create frames around pages within Password-Protected Areas, you must submit for's prior review and approval screen shots displaying the method by which you will frame the Web Site. may withhold its approval in its sole discretion.
• If you have questions about how to link to Password-Protected Areas that are not answered in our Link Instructions for Password-Protected Areas, please contact your technology representative. 

7. Mortgagegrant® Web Site

Your use of the Web site is subject to the terms and conditions set forth in these Terms and Conditions. By using the Web site, you agree to such terms and conditions. Downloading, using, printing and copying of the Contents available through the Web site are permitted for individual, non-commercial use and for use by individuals and entities, such as real estate agents, transacting business with to facilitate such business transactions.

Except as described in this paragraph or’s StoreFront terms of use, no user of may resell, republish, print, download, copy, retransmit or display (by use of an html "frame" or otherwise) any Contents of without’s prior specific written approval.

9. Privacy

With respect to’s retention, sharing, and use of personal information collected on the Web Site, these Terms and Conditions incorporate’s Privacy Notice available here.

10. Trademarks

Use of and references to’s trademarks and service marks are governed by the terms set forth in the trademarks information page, part of these Terms and Conditions.

11. Entire Agreement

These Terms and Conditions and related pages set forth the entire agreement between and You with respect to the subject matter hereof and supersedes all prior or contemporaneous writings, negotiations, and discussions with respect thereto.

12. Applicable Laws, or its service providers as applicable, operate this Web site from the United States of America. makes no representation that Contents in the site are appropriate or available for use in other locations, and access to Contents from jurisdictions where such access is illegal is prohibited. Those who choose to access this site do so on their own initiative and are responsible for compliance with applicable laws of their jurisdictions. These Terms and Conditions will be construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of law provisions.

13. Changes to Contents and Terms of Use

You acknowledge and agree that may, with or without notice, modify, delete or amend the Contents and that may further modify, delete or amend these Terms of Use from time to time. Any use of the Contents as modified following such modification will be deemed to be Your acceptance of the changes, modifications, additions, deletion or amendment to the Contents or these Terms of Use. shall also have the right at any time to change or discontinue any aspect of or feature of the Contents, including but not limited to content, functionality and equipment needed for access or use.

14. Copyright Notice

All Contents Copyright © 2014, all rights reserved.