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Truthful Lending dot Com is committed to your privacy and your rights as our reader and/or customer. Any information gathered by Truthful Lending dot Com will be kept strictly confidential and will only be used or shared in ways for which you have specifically consented. The following statement discloses our standard practice regarding the information we collect and the information we hold on behalf of our customers.
This privacy policy only applies to the Truthful Lending dot Com website. The privacy policy applies to information that is given offline as well as on the Truthful Lending dot Com website. The policy does not pertain to third party web sites that are accessible through Truthful Lending dot Com’s website. Truthful Lending dot Com proposes that you read the privacy policies of any third party site to learn how they collect and use information that is gathered.
Information gathered online
Subscribe to any of Truthful Lending dot Com’s Newsletters - Email address (required) and other optional data such as First and Last Name, Company or Organization and phone number are gathered when you subscribe to any of Truthful Lending dot Com’s Newsletters.
Webinars - Truthful Lending dot Com may collect information from you for the purposes of creating a preliminary financial evaluation; all information is optional. Information may include, but is not limited to, First and Last Name, Company or Organization and Length of Employment, Previous Company or Organization and Length of Employment, Postal address, Phone Number, Email Address, information pertaining to your current mortgage, information pertaining to your current assets and income, and credit history.
Complete Financial Analysis - All fields on the standard Form 1003 (Uniform Residential Loan Application) are required. A recent credit report and evaluation is also required. You will be supplied with several disclosures outlining the information collected. These disclosures must be signed and returned to Truthful Lending dot Com. Supplying Truthful Lending dot Com, whether verbally or in writing, with any information constitutes your agreement for Truthful Lending dot Com to conduct a financial analysis on your behalf, request a credit report on your behalf, and contact you regarding said information.
Contact Us - You are directed to send an Email to a specific department within Truthful Lending dot Com. Through this process your Name, Email Address and Comment or Question are collected, as well as any other information you provide. This information is only used to respond to your question or suggestion.
Technical Information - Upon visiting the website, Truthful Lending dot Com may collect log file data on your session. This technical information alone does not identify a specific individual. The information collected may include (but is not limited to): The URL of the site that you came from before visiting Truthful Lending dot Com’s website. Your computer’s IP address. The browser you are using. The pages that you visit on the Truthful Lending dot Com website. Search terms that are used on the Truthful Lending dot Com website. There is no merging of technical and personal data collected on the site. Technical information is used to measure and improve the effectiveness of the Truthful Lending dot Com website and diagnose problems.
When you enter a sweepstakes or other promotional event, we may ask for your name, address, telephone number and e-mail address so we can administer the sweepstakes and notify winners.
Information gathered offline
Uniform Residential Loan Application (Form 1003) - The primary vehicle for data collected offline is a standard Form 1003. Property information, personal information, employment information, previous residences and employment information and detailed financial information may all be collected for the purpose of conducting a complete financial analysis or brokering a mortgage, life insurance policy, or Money Merge Account. Truthful Lending dot Com may also collect a valid credit card number and expiration date to pay for an appraisal.
Customer Data
Through the various services provided by our software we also collect and store information in a secure and private manner on behalf of our customers. This information includes, but is not limited to, email address lists, articles, survey answers, letters, and usage statistics. This information is owned by our customers and is not accessible to our partners or other customers unless the customer grants permission.
Use of Cookies
Our sites may use cookies to authenticate the user and keep track of the user session. Cookies are used to allow you to enter the portions of the Truthful Lending dot Com website reserved for registered customers (users). Truthful Lending dot Com does not use cookies to collect any information about you. We also use cookies to govern over survey voting.
Use of Web Beacons
Web beacons are used in combination with cookies. A web beacon is an often-transparent graphic image, which is placed in an email or on a website. Truthful Lending dot Com uses web beacons to aggregate data that is used to analyze the performance of an email and related sites. The information collected can be correlated to individual subscribers. This data is used for internal Truthful Lending dot Com marketing purposes only. Open rates and click through rates for email content are examples of the metrics that are calculated using web beacons.
Our Partners and Third Parties
Truthful Lending dot Com may share information with partners or third parties during the process of any transaction with Truthful Lending dot Com. The information shared is for the purpose of brokering a mortgage, life insurance policy, or Money Merge Account. Supplying Truthful Lending dot Com with any information constitutes your consent for Truthful Lending dot Com to share said information for the purpose of brokering a mortgage, life insurance policy, or Money Merge Account.
Control and Modification of Third Parties
You remain in control of your information. When you provide your information you can select whether you want to receive further communications about our products and services or other marketing information. When you opt-in to receive marketing communications from Truthful Lending dot Com, you can opt-out whenever you want. There is an opt-out feature located in the footer of all Truthful Lending dot Com marketing email list communications. Truthful Lending dot Com wants your personal data to be accurate and complete. If you want to change any of the personal data or preferences you can email us at info@occapital.com or call (888) 409-7070.
Data Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Customer accounts are password-protected so that only the customer has access to his/her personal information. It is incumbent on the customer not to divulge their password to anyone. We will never ask for a customer’s password in an unsolicited phone call or in an unsolicited email. Although we make every effort to ensure security of customer information, no data transmission can be guaranteed to be 100% secure over the Internet.
Questions and Contact Information
If you have any questions about this privacy Policy, you can email us at info [at] truthfullending [dot] com.
Changes to Privacy Policy
Changes to the privacy policy will be posted in this section. This way you will always have a clear understanding of what information is collected online and offline, how it is used, and the choices you have. Your personal information will only be used in accordance with the version of the Policy that is in place at the time that you provided your information, unless you provide your consent to do otherwise.