Privacy Policy   Effective 1/1/2007 Our Commitment To Privacy 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. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested. The Information We Collect: This notice applies to all information collected or submitted on the RateTake.com website. On some pages, you can apply to receive mortgage rate quotes. The types of personal information collected at these pages are: Name Address Email address Phone number (etc.)   The Way We Use Information: Any information obtained by RateTake.com, its authorized affiliates, lenders, brokers, successors and/or assigns will be used for the purpose of determining the eligibility of a loan applicant. Information obtained may be submitted to an authorized third party to determine credit worthiness and eligibility of a loan applicant. Automatically Gathered Information. RateTake.com automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the RateTake.com web-site. RateTake.commay also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If you disable cookies on your browser, please note that some parts of our RateTake.com site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the RateTake.com web-site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information.   How We Use Information. We use Personally Identifiable Information for our own internal purposes including contacting you via email to inform you about updates to our services and providing you with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties. Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.   Our Commitment To Data Security To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. How You Can Access Or Correct Your Information You can access all your personally identifiable information by contacting us . We use this procedure to better safeguard your information. You can correct factual errors in your personally identifiable information by sending us a request  that credibly shows error. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. Limitation of Liability. a. Neither RateTake.com nor its parent, affiliates or subsidiaries are liable for any loss or damage caused by a visitor's reliance on: (1) any information or (2) any product or service obtained through this Site or a Linked Site. Visitors are responsible for assessing the accuracy and completeness of any information obtained from this Site or a Linked Site. b. Neither RateTake.com nor its parent, affiliates or subsidiaries are responsible or liable for any inaccuracies, errors or omissions in the Content or in the products or services offered on this Site or a Linked Site.   c. Neither RateTake.com nor its parent, affiliates or subsidiaries are liable in any way for any indirect, special, punitive, consequential, or indirect damages in connection with the use of this Site or a Linked Site or with the delay or inability to use this Site or a Linked Site, whether or not RateTake.com is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses or Trojan horses that may affect a Visitor's equipment, failure of any electronic or telephonic equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. RateTake.com does not guarantee continuous, uninterrupted or secure access to this Site or a Linked Site.   d. By applying, this does not obligate RateTake.com, its authorized affiliates, lenders, brokers, successors and/or assigns to make a loan to any applicant, nor does it imply an offer to lend or loan to any applicant.   Collection of Information by Third-Party Sites This site contains links to other Internet websites and has no control or authority over the information submitted/collected by these third party website(s). Please refer to the respective Privacy Policy of the individual third party website(s).   Use and Disclosure of Data   Spam This site does not intentionally send unsolicited e-mail messages that could legitimately be construed as spam . COPPA This site complies with the Children's Online Privacy Protection Act of 1998. This site is not specifically directed to children under 18. If this site has been informed or unintentionally collected or received information from a child under 18, we will immediately delete such information from our databases. This site shall not knowingly distribute any personally identifiable information erroneously collected from children under 18.   Policy Changes With or without prior notification, we may find it necessary or be legally obligated to update this Privacy Policy from time to time. All changes will be posted at this site. Except as otherwise required by law, modifications to this Privacy Policy will not affect the privacy of data collected by us prior to the effective date of the policy change.