PRIVACY POLICY

Effective date: 09/26/2022




America’s Mortgage Solutions ("us", "we", or "our") operates the


http://www.AmericasMortgageSolutions.com (hereinafter referred to as the


"Service").




This page informs you of our policies regarding the collection, use and


disclosure of personal data when you use our Service and the choices you have


associated with that data.




We use your data to provide and improve the Service. By using the Service, you


agree to the collection and use of information in accordance with this policy.




Unless otherwise defined in this Privacy Policy, the terms used in this


Privacy Policy have the same meanings as in our Terms and Conditions.




Definitions


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* Service




Service is the http://www.AmericasMortgageSolutions.com website operated by


America’s Mortgage Solutions




* Personal Data




Personal Data means data about a living individual who can be identified


from those data (or from those and other information either in our


possession or likely to come into our possession).




* Usage Data




Usage Data is data collected automatically either generated by the use of


the Service or from the Service infrastructure itself (for example, the


duration of a page visit).




* Cookies




Cookies are small files stored on your device (computer or mobile


device).




* Data Controller




Data Controller means the natural or legal person who (either alone or


jointly or in common with other persons) determines the purposes for


which and the manner in which any personal information are, or are to be,


processed.




For the purpose of this Privacy Policy, we are a Data Controller of your


Personal Data.




* Data Processors (or Service Providers)




Data Processor (or Service Provider) means any natural or legal person


who processes the data on behalf of the Data Controller.




We may use the services of various Service Providers in order to process


your data more effectively.




* Data Subject (or User)




Data Subject is any living individual who is using our Service and is the


subject of Personal Data.




Information Collection and Use


------------------------------




We collect several different types of information for various purposes to


provide and improve our Service to you.




Types of Data Collected


~~~~~~~~~~~~~~~~~~~~~~~




Personal Data


*************




While using our Service, we may ask you to provide us with certain personally


identifiable information that can be used to contact or identify you


("Personal Data"). Personally identifiable information may include, but is not


limited to:




* Email address


* First name and last name


* Phone number


* Address, State, Province, ZIP/Postal code, City


* Cookies and Usage Data




We may use your Personal Data to contact you with newsletters, marketing or


promotional materials and other information that may be of interest to you.


You may opt out of receiving any, or all, of these communications from us by


following the unsubscribe link or the instructions provided in any email we


send.




Usage Data


**********




We may also collect information on how the Service is accessed and used


("Usage Data"). This Usage Data may include information such as your


computer's Internet Protocol address (e.g. IP address), browser type, browser


version, the pages of our Service that you visit, the time and date of your


visit, the time spent on those pages, unique device identifiers and other


diagnostic data.




Tracking & Cookies Data


************




We use cookies and similar tracking technologies to track the activity on our


Service and we hold certain information.




Cookies are files with a small amount of data which may include an anonymous


unique identifier. Cookies are sent to your browser from a website and stored


on your device. Other tracking technologies are also used such as beacons,


tags and scripts to collect and track information and to improve and analyze


our Service.




You can instruct your browser to refuse all cookies or to indicate when a


cookie is being sent. However, if you do not accept cookies, you may not be


able to use some portions of our Service.




Examples of Cookies we use:




* Session Cookies. We use Session Cookies to operate our Service.


* Preference Cookies. We use Preference Cookies to remember your preferences


and various settings.


* Security Cookies. We use Security Cookies for security purposes.




Use of Data


-----------




America’s Mortgage Solutions uses the collected data for various purposes:




* To provide and maintain our Service


* To notify you about changes to our Service


* To allow you to participate in interactive features of our Service when


you choose to do so


* To provide customer support


* To gather analysis or valuable information so that we can improve our


Service


* To monitor the usage of our Service


* To detect, prevent and address technical issues


* To provide you with news, special offers and general information about


other goods, services and events which we offer that are similar to those


that you have already purchased or enquired about unless you have opted


not to receive such information




Legal Basis for Processing Personal Data under the General Data Protection


Regulation (GDPR)


--------------------------------------------------------------------------------------------




If you are from the European Economic Area (EEA), America’s Mortgage Solutions


legal basis for collecting and using the personal information described in


this Privacy Policy depends on the Personal Data we collect and the specific


context in which we collect it.




America’s Mortgage Solutions may process your Personal Data because:




* We need to perform a contract with you


* You have given us permission to do so


* The processing is in our legitimate interests and it is not overridden by


your rights


* For payment processing purposes


* To comply with the law




Retention of Data


-----------------




America’s Mortgage Solutions will retain your Personal Data only for as long as


is necessary for the purposes set out in this Privacy Policy. We will retain


and use your Personal Data to the extent necessary to comply with our legal


obligations (for example, if we are required to retain your data to comply


with applicable laws), resolve disputes and enforce our legal agreements and


policies.




America’s Mortgage Solutions will also retain Usage Data for internal analysis


purposes. Usage Data is generally retained for a shorter period of time,


except when this data is used to strengthen the security or to improve the


functionality of our Service, or we are legally obligated to retain this data


for longer periods.




Transfer of Data


----------------




Your information, including Personal Data, may be transferred to — and


maintained on — computers located outside of your state, province, country or


other governmental jurisdiction where the data protection laws may differ from


those of your jurisdiction.




If you are located outside United States and choose to provide information to


us, please note that we transfer the data, including Personal Data, to United


States and process it there.




Your consent to this Privacy Policy followed by your submission of such


information represents your agreement to that transfer.




America’s Mortgage Solutions will take all the steps reasonably necessary to


ensure that your data is treated securely and in accordance with this Privacy


Policy and no transfer of your Personal Data will take place to an


organization or a country unless there are adequate controls in place


including the security of your data and other personal information.




Disclosure of Data


------------------




Business Transaction


~~~~~~~~~~~~~~~~~~~~




If America’s Mortgage Solutions is involved in a merger, acquisition or asset


sale, your Personal Data may be transferred. We will provide notice before


your Personal Data is transferred and becomes subject to a different Privacy


Policy.




Legal Requirements


~~~~~~~~~~~~~~~~~~




America’s Mortgage Solutions may disclose your Personal Data in the good faith


belief that such action is necessary to:




* To comply with a legal obligation


* To protect and defend the rights or property of America’s Mortgage Solutions


* To prevent or investigate possible wrongdoing in connection with the


Service


* To protect the personal safety of users of the Service or the public


* To protect against legal liability




Security of Data


----------------




The security of your data is important to us but remember that no method of


transmission over the Internet or method of electronic storage is 100% secure.


While we strive to use commercially acceptable means to protect your Personal


Data, we cannot guarantee its absolute security.




Our Policy on "Do Not Track" Signals under the California Online Protection


Act (CalOPPA)


-----------------------------------------------------------------------------------------




We do not support Do Not Track ("DNT"). Do Not Track is a preference you can


set in your web browser to inform websites that you do not want to be tracked.




You can enable or disable Do Not Track by visiting the Preferences or Settings


page of your web browser.




Your Data Protection Rights under the General Data Protection Regulation


(GDPR)


-------------------------------------------------------------------------------




If you are a resident of the European Economic Area (EEA), you have certain


data protection rights. America’s Mortgage Solutions aims to take reasonable


steps to allow you to correct, amend, delete or limit the use of your Personal


Data.




If you wish to be informed about what Personal Data we hold about you and if


you want it to be removed from our systems, please contact us.




In certain circumstances, you have the following data protection rights:




* The right to access, update or delete the information we have on you.


Whenever made possible, you can access, update or request deletion of your


Personal Data directly within your account settings section. If you are


unable to perform these actions yourself, please contact us to assist you.




* The right of rectification. You have the right to have your information


rectified if that information is inaccurate or incomplete.




* The right to object. You have the right to object to our processing of


your Personal Data.




* The right of restriction. You have the right to request that we restrict


the processing of your personal information.




* The right to data portability. You have the right to be provided with a


copy of the information we have on you in a structured, machine-readable


and commonly used format.




* The right to withdraw consent. You also have the right to withdraw your


consent at any time where America’s Mortgage Solutions relied on your


consent to process your personal information.






Please note that we may ask you to verify your identity before responding to


such requests.




You have the right to complain to a Data Protection Authority about our


collection and use of your Personal Data. For more information, please contact


your local data protection authority in the European Economic Area (EEA).




Service Providers


-----------------




We may employ third party companies and individuals to facilitate our Service


("Service Providers"), provide the Service on our behalf, perform Service-


related services or assist us in analyzing how our Service is used.




These third parties have access to your Personal Data only to perform these


tasks on our behalf and are obligated not to disclose or use it for any other


purpose.




Behavioral Remarketing


~~~~~~~~~~~~~~~~~~~~~~




America’s Mortgage Solutions uses remarketing services to advertise on third


party websites to you after you visited our Service. We and our third-party


vendors use cookies to inform, optimize and serve ads based on your past


visits to our Service.




* Facebook




Facebook remarketing service is provided by Facebook Inc.




You can learn more about interest-based advertising from Facebook by


visiting this page: https://www.facebook.com/help/164968693837950




To opt-out from Facebook's interest-based ads, follow these instructions


from Facebook: https://www.facebook.com/help/568137493302217




Facebook adheres to the Self-Regulatory Principles for Online Behavioural


Advertising established by the Digital Advertising Alliance. You can also


opt-out from Facebook and other participating companies through the


Digital Advertising Alliance in the USA, the Digital Advertising Alliance of


Canada in Canada or the European Interactive


Digital Advertising Alliance in Europe,


or opt-out using your mobile device settings.




For more information on the privacy practices of Facebook, please visit


Facebook's Data Policy: https://www.facebook.com/privacy/explanation




Payments


~~~~~~~~




We may provide paid products and/or services within the Service. In that case,


we use third-party services for payment processing (e.g. payment processors).




We will not store or collect your payment card details. That information is


provided directly to our third-party payment processors whose use of your


personal information is governed by their Privacy Policy. These payment


processors adhere to the standards set by PCI-DSS as managed by the PCI


Security Standards Council, which is a joint effort of brands like Visa,


MasterCard, American Express and Discover. PCI-DSS requirements help ensure


the secure handling of payment information.




The payment processors we work with are:




* Stripe




Their Privacy Policy can be viewed at https://stripe.com/us/privacy




Links to Other Sites


--------------------




Our Service may contain links to other sites that are not operated by us. If


you click a third party link, you will be directed to that third party's site.


We strongly advise you to review the Privacy Policy of every site you visit.




We have no control over and assume no responsibility for the content, privacy


policies or practices of any third party sites or services.




Children's Privacy


------------------




Our Service does not address anyone under the age of 18 ("Children").




We do not knowingly collect personally identifiable information from anyone


under the age of 18. If you are a parent or guardian and you are aware that


your Child has provided us with Personal Data, please contact us. If we become


aware that we have collected Personal Data from children without verification


of parental consent, we take steps to remove that information from our


servers.




Changes to This Privacy Policy


------------------------------




We may update our Privacy Policy from time to time. We will notify you of any


changes by posting the new Privacy Policy on this page.




We will let you know via email and/or a prominent notice on our Service, prior


to the change becoming effective and update the "effective date" at the top of


this Privacy Policy.




You are advised to review this Privacy Policy periodically for any changes.


Changes to this Privacy Policy are effective when they are posted on this


page.




Contact Us


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If you have any questions about this Privacy Policy, please contact us:




* By email: TheMortgageTeam@ChristianPenner.com