 Privacy Policy
FHA-101.com was founded on principles of trust, integrity and the delivery of outstanding service. Therefore, we are very concerned with the privacy rights of our online visitors and customers and are committed to protecting the information collected about you. FHA-101.com has taken extensive measures to protect the confidentiality of your personal information and to protect your data from misuse and unauthorized access or disclosure. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we take great measures to protect your information, FHA-101.com cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, FHA-101.com takes industry standard efforts to safeguard the confidentiality of your information, such as secure, 128 bit encryption on our applications. We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our loan specialists.
Information Collected at our Web site
Personal Information
If you submit a mortgage application to ENG Lending through FHA-101.com you are required to provide certain information necessary to deliver the selected services. In some instances you will only provide personal information such as name, address, e-mail address, phone number and other contact information. The more information you share with ENG the more accurately ENG will be able to provide you with information and services you have indicated are of interest.
Statistical Information
We automatically collect anonymous statistical information regarding usage of our Web site. This helps us understand our Customers' needs better and improve areas of our services that our Customers find valuable. For instance, when you visit www.FHA-101.com, our Web site recognizes the type of browser you are using (Netscape or Internet Explorer), the site that linked you to our site, the pages you visit at our site, and similar information. None of this information identifies you personally.
Cookies
Although we believe the use cookies is useful in tracking site usage trends and patterns, as while implementing individual user preferences, FHA-101.com does not use cookies at this time. FHA-101.com does use cookies related our search term marketing efforts but this does not track any information on you as an individual.
Use and Disclosure of Information
With your prior consent, we may disclose any information we collect, as described above, to ENG affiliates or service providers to perform a service for us or perform a function on our behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law.
Removal of Personal Information
You can request that we purge the entirety of the personal information submitted by you through FHA-101.com from our database by providing detailed instructions to FHA-101's Privacy Officer (see below). In such cases ENG will delete all digitally warehoused information you have submitted. Please note that ENG cannot purge information from the systems or files of our ENG Affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.
Terms Of Use
The FHA-101.com internet site is provided "as is" to the user without any warranty or condition, express, implied or statutory. FHA-101.com disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose.
Except as may be otherwise expressly provided by written agreement between FHA-101.com and the user, FHA-101.com will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site.
In the event of errors or omissions in any information, FHA-101.com 's sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall FHA-101.com or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature (including, without limitation, direct, indirect, consequential, incidental, special and punitive damages) which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.
Your Acceptance Of These Terms
By using this site, or by submitting personal information to us, you signify your agreement to FHA-101.com's Privacy Policy and Terms Of Use. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of the FHA-101.com site following the posting of changes to these terms will be deemed as your acceptance of those changes.
The foregoing policies are in effect as of April 1, 2008. FHA-101.com reserves the right to change this policy statement at any time by posting the revised policy on this Web site. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.
If you have any further questions or concerns, please contact:
Spencer Llewellyn
ENG Lending
#5 Statehouse Plaza, Suite 500
Little Rock, AR 72201
501-687-2265
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