Summary of Our Privacy Policy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. This notice is available at every point where personally identifiable information may be requested.

Key notes:

1. You do not need to supply your name or other identifying information in order to use MoneyBeat.com, except for the “Someone Like Me” and “Mortgage Quote” features.
2. You can opt out of promotional emails at any time
3. We will never sell your information to third parties without your consent

This notice applies to all information collected or submitted to us on the MoneyBeat.com.com web site.

Collection of Customer Information

Here are the types of information we gather.

1. Information You Give Us: We receive and store any information you enter on our Web site or give us in any other way. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. Specific types of information we collect include:
   • Inquiry forms: When you fill out a form requesting to be contacted with a quote for a loan, refinance, debt consolidation or similar product or service, we collect your name, contact information, and other information required in order to complete your request. For example, if you are requesting a quote for refinancing a mortgage, we will prompt you to enter your property amount, mortgage balance, and current rate.
   • Rating fields: When you rate a mortgage professional, we collect your name and email address.
2. Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many Web sites, we use "cookies," and we obtain certain types of information when your Web browser accesses MoneyBeat.com.
3. E-mail Communications: To help us make e-mails more useful and interesting, we often receive a confirmation when you open e-mail from MoneyBeat.com if your computer supports such capabilities. If you don't want to receive e-mail or other mail from us, please contact us.

Use of Customer Information

When you fill out the “Someone like me” or “Mortgage Quote” forms, you are expressly requesting that we forward your information to third parties who match your criteria. By filling out such a form, you are requesting that your information be given to these companies even if you are on a do not call list. Once your information has been transferred to these companies, its use falls under their respective privacy policies. These third parties may contact you by telephone, email, or mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List. If one of the mortgage professionals contacts you by telephone and you wish not to be contacted again by that mortgage professional with respect to your inquiry, then you should specifically make a request to that mortgage professional not to contact you again.

Security

MoneyBeat.com uses SSL (Secure Socket Layer) protocol, and GoDaddy.com certificates for securing the exchange of any and all data on the site. This security technology encrypts the information that you may send us (such as names and addresses), so that it can't be read as it is sent from your computer to the site.

You can see when the SSL connection is activated as the URL in your browser will show https:// with the "s" standing for secure. Also, a key or padlock icon may appear in the bottom left corner of your browser window and in the right side of your URL field in your browser that shows the page you’re on.

We follow generally accepted industry standards to protect the 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, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. For further information about security on the website please contact us.

Our Commitment to Children's Privacy

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 18, and no part of our website is structured to attract anyone under 18.

What Choices Do I Have?

1. As discussed above, you always can choose not to provide information, even though it might be needed to make a purchase or to take advantage of several MoneyBeat.com features.
2. If you don't want to receive e-mail or other mail from us, please contact us. (If you don't want to receive Conditions of Use and other legal notices from us, such as this Privacy Notice, those notices still will govern your use of MoneyBeat.com, and it's your responsibility to review them for changes.)
3. 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. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the website of its manufacturer. Because cookies allow you to take advantage of some of MoneyBeat.com's essential features, we recommend you leave them turned on. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your Shopping Cart, proceed to checkout, or use any MoneyBeat.com products and services that require you to sign in.

Conditions of Use, Notices, and Revisions

If you choose to visit MoneyBeat.com, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the Canadian law. If you have any concern about privacy at MoneyBeat.com, please contact us, and we'll try to resolve it.

Our business changes constantly, and our Privacy Notice and the conditions of use will change also. We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Final Note

By using this site, you signify your consent to the MoneyBeat.com.com Privacy Policy. If you do not agree to this policy, please do not use any of the MoneyBeat.com.com site. When you request rate quotes or other information through MoneyBeat.com.com, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly.