Security

LoanSifter works to protect the security of your information during transmission by using 128-bit, Secure Socket Layer (SSL) software, which encrypts the information you input when you are signed into the system. We offer storage of some critical information online, such as credit card number, which can be encrypted and stored in the database. It is important for you to protect against unauthorized access to your password and to your computer, as you are charged based on usage of your account and any damaging or illegal activity would be traced to your account. Be sure to sign off when finished using a shared computer as neglecting to do so could result in someone else using your account to place an unauthorized order or other unwanted activities. When customer data is collected it is transferred from the client using Secure Sockets Layers (SSL). SSL is a method which provides secure communications on the internet. Customer data gathered during the registration process is stored in a secure, password-protected database. Additionally, sensitive customer data such as credit card information is stored encrypted. The encryption technique used for storage is a 256 bit Advanced Encryption Standard (AES).

Privacy

LoanSifter is cautious in regards to the privacy of its customers. We restrict usage of the website to mortgage professionals, and do not offer anyone access to highly critical user information, such as credit card numbers. LoanSifter may at any time collect and resell customer information, such as company addresses, contact, email, and phone to third parties or provide third parties with this information in order to help facilitate transactions. In addition, LoanSifter may collect and resell rating and feedback information provided by users about other companies, and other general data such as (but not limited to) search results. LoanSifter reserves the right to use identifiable customer information when gaining access to prospective customer's credit and reference history so as to make a decision in order to gain authorization for the customer or to restrict future access. LoanSifter reserves the right to publicly use any comments made during communications, such as praising our service or other comments via email or forum. LoanSifter does not retain or sell to any third party critical individual information of a prospective borrower such as the borrower's name, email address, physical address, phone number, or social security number.

Electronic Communications

When you visit LoanSifter.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications in return from us electronically. We will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Cookies

Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and to provide features designed to enhance your shopping experience. The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, we recommend that you leave them turned on to take full advantage of this Site's features. Cookies allow LoanSifter to be customized to fit each customer’s needs as well as assist in tracking data. Cookies may be used to identify who is performing a loan search and thereby help third parties recognize your needs. They also may be used to customize your search options, track past searches, and perform other account functionalities.

Accessible Account Information

LoanSifter gives you access to a broad range of information about your account and your interactions with LoanSifter for the limited purpose of viewing and, in certain cases, updating that information. LoanSifter may allow you to adjust a billing location, which may require additional confirmation. You may be allowed to view your order and search history, for historical and research purposes. Examples of information you can access easily at LoanSifter include up-to-date information regarding recent orders, personally identifiable information (including name, e-mail, password, communications preferences), modifying access privileges on manager accounts, and email notification settings which you can update.

Information You Give Us

You provide LoanSifter information when you search, buy, post, or communicate with customer service via e-mail or phone. For example, you provide corporate information when opening an account, participating in our Forum, comment on or rate other businesses, send us messages via email, etc. As a result of those actions, you might supply us with such information as your name, address, phone numbers, credit card information, information about your customers, including addresses, email and phone number; personal descriptions, and financial information. Also, LoanSifter collects rating data, such as feedback comments in order to help build a rating profile of other businesses that are involved with LoanSifter.

Automatic Information

Examples of the information we collect and analyze include the Internet protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; search data; computer and connection information such as browser type and version, operating system, and platform; cookie number; products you viewed or searched for; During some visits we may use software tools such as JavaScript to measure and collect session information, including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.

Information from Other Sources

Examples of information we receive from other sources include updated address information from our carriers or other third parties, which we use to correct our records and deliver your next purchase or communication more easily; account information; and credit history information from credit bureaus or the provided corporate references, which we use to help prevent and detect fraud and to offer certain credit or financial services to some customers. LoanSifter may enlist the services of third parties to assist mortgage professionals in evaluating the businesses who use our site and do business with other customers herein.