Privacy Policy

Last modified: May 7, 2024

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Introduction

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American Portfolio Mortgage Corporation ("Company", “our”, “us” or “we”) respect your privacy and are committed to protecting it through our compliance with this policy.

 

This policy describes the types of information we may collect from you or that you may provide when you visit the website goapmc.com (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

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This policy applies to information we collect:

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·      On this Website.

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·      In email, text, and other electronic messages between you and this Website.

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·      Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.

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It does not apply to information collected by:

 

·      Us offline or through any other means, including on any other website operated by Company or any third party; or 

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·      Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the Website.

 

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. 

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Children Under the Age of 16

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Our Website is not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, make any requests through the Website, [use any of the interactive features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at Compliance@goapmc.com.com.

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Information We Collect About You and How We Collect It

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We collect several types of information from and about users of our Website, including information:

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·      By which you may be personally identified, including name, postal address, email address, telephone number, social security number or any other identifier by which you may be contacted online or offline ("personal information");

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·      That is about you but individually does not identify you; and/or

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·      About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

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·      Directly from you when you provide it to us.

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·      Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

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Information You Provide to Us  

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The information we collect on or through our Website may include:

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·      Information that you provide by filling in forms on our Website. This includes personal information provided at the time of registering to use our Website, applying for a loan, subscribing to our service, posting material, or requesting services. We may also ask you for information when you report a problem with our Website.

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·      Records and copies of your correspondence (including email addresses), if you contact us.

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·      Your responses to surveys that we might ask you to complete for research purposes.

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·      Details of transactions you carry out through our Website and of the fulfillment of your applications. You may be required to provide financial information as part of application for our services through our Website.

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Information We Collect Through Automatic Data Collection Technologies  

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As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

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·      Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

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·      Information about your computer and internet connection, including your IP address, operating system, and browser type.

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We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (tracking). We do not have any protocol that offers you the choice to opt-out of tracking. At present time, our website is unable to respond to “do not track” signals from your internet browser. if you have any questions regarding our tracking methods, please email us at Compliance@goapmc.com.

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The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

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·      Estimate our audience size and usage patterns.

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·      Store information about your preferences, allowing us to customize our Website according to your individual interests.

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·      Speed up your searches.

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·      Recognize you when you return to our Website.

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The technologies we use for this automatic data collection may include:

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·      Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 

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·      Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). 

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Third-Party Use of Cookies and Other Tracking Technologies

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The use of cookies by third parties, including but not limited to our and service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our service providers may use cookies.

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How We Use Your Information

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We use information that we collect about you or that you provide to us, including any personal information:

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·      To present our Website and its contents to you.

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·      To provide you with information, products, or services that you request from us.

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·      To fulfill any other purpose for which you provide it.

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·      To provide you with notices about your account or application.

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·      To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

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·      To notify you about changes to our Website or any products or services we offer or provide though it.

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·      To contact you about our goods and services that may be of interest to you.

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·      To allow you to participate in interactive features on our Website.

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·      In any other way we may describe when you provide the information.

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·      For any other purpose with your consent.

 

Disclosure of Your Information

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We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. 

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We may disclose personal information that we collect or you provide as described in this privacy policy:

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·      To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

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·      To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Website users is among the assets transferred.

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·      To fulfill the purpose for which you provide it.

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·      For any other purpose disclosed by us when you provide the information.

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·      As permitted by law.

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·      With your consent.

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We may also disclose your personal information:

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·      To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

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·      To enforce or apply our terms of use and other agreements, including for servicing, billing and collection purposes.

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·      If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

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Accessing Your Information

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You can review, update or change your personal information by logging into the Website and visiting your account profile page. You may change, update or delete your information at any time prior to completing an application. Once the application is submitted, you will not be able to change any of the information online. 

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You may also send us an email at Compliance@goapmc.com to request access to, correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we are required to maintain this information by law or if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

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We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

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Residents of certain states, such as California and Nevada may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

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Your State Privacy Right

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California 

If you are a California or Nevada resident, your state's laws may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit Privacy Policy for California Residents. 

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California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our App that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to Compliance@goapmc.com or write us at: American Portfolio Mortgage Corporation, Attn: Compliance Department, 2401 Plum Grove Road Suite 202 Palatine, IL 60067.

We and other parties not affiliated with us may collect personal information about your online activities over time and across different websites when you use our Website or the services offered on our Website. We do not have any protocol that offers you the choice to opt-out of tracking. At present time, our website is unable to respond to “do not track” signals from your internet browser. if you have any questions regarding our tracking methods, please email us at Compliance@goapmc.com.

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Nevada

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Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated address: 888-244-6475. However, please know we do not currently sell data triggering that statute's opt-out requirements.

 

 

Data Security

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We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and personal information will be encrypted using Secure Sockets Layer (SSL) technology. 

The safety and security of your personal information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.

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If you are logged into your account on our Website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or personal information.

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Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to us.

There are a number of precautions that you can take to protect your personal information:

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·      If you are using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.

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·      Create strong, unique passwords for each online service that you use and change these passwords often.

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·      When you finish using our Website from a public computer, log out and clear the browser’s cache file.

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·      Stay vigilant for scams like “phishing” and never provide your login information in response to any email, physical mail or phone call that claims to be from our Company.

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Changes to Our Privacy Policy

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It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you either by email to the primary email address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

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Contact Information

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To ask questions or comment about this privacy policy and our privacy practices, contact us at: 

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Calling us: 888-244-6475

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Emailing us: Compliance@goapmc.com

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Sending us a letter to the address: 

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American Portfolio Mortgage Corporation

Attn: Compliance Department

2401 Plum Grove Road Suite 202

Palatine, IL 60067

 

To register a complaint or concern, please contact us by email to: Compliance@goapmc.com.

If you need to access this Policy in an alternative format due to having a disability, please contact us by email: Compliance@goapmc.com, or by phone: 888-878-3684.