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Home Loan Haven, Inc.

355 North Lantana St, #658
Camarillo , CA 93010

1-800-996-3450 SECURITY STATEMENT, PRIVACY POLICY, & "COOKIES"
( September 30, 2003 )

 

ADDED 11:10 AM 01/15/2004 : The HOMELOANHAVEN�

How Do We Protect Your Account?
What information does HOMELOANHAVEN� ask for and how is it used?
Do I get to choose what information I disclose?

Who has access to the information that I provide to HOMELOANHAVEN?

How does HomeLoanHaven protect my information?

What is SSL and How Does It Protect Me?

What if I need to change the personal information I previously disclosed?

What is a "cookie" and how does it work?

Who can I contact if I have any questions regarding my privacy?
What does HomeLoanHaven do with the non-public personal information it receives from consumers?

Encrypted Data

After you have entered your information, the encrypted data is transported between our systems and our alliance systems. Ensuring the security of your financial transactions is never a finite process for us. We use professional security experts to manage and monitor 24-hours a day, 7-days a week to help ensure that your information is secure.

What information does HOMELOANHAVEN� ask for and how is it used?

Information Collected from Consumers

On both our applications we only ask for specific information such as your name, social security number, property information and income. This information is used to properly match you up with the lender. This information then gets forwarded to four lenders that match your criteria. The lenders then will follow up with you on the information you supplied. Once you choose a lender that you want to work with, the data collected from you will then be subject to and used in accordance with the lender�s privacy policy. You will also get a conformation e-mail from Homeloanhaven stating that we have received your information.

Information Collected from Brokers

When our brokers register for services provided by HOMELOANHAVEN�, they are asked to provide certain information such as their name, business address, contact information, and company description. We only ask for this information so that our account managers and Web site coordinators can maintain quick, effective communication and constantly personalize our business services to your requirements. Your registration, contact information, and any passwords you may be issued are also required for your secure movement and transaction processing throughout our Web site.

Automatically collected information for tracking purposes only

Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user�s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information. We make every effort to protect our partners, affiliates, and individual consumers, but we do not control the privacy policies or business practices of third-party Web sites that link from HomeLoanHaven.com.

Do I get to choose what information I disclose?


All the information fields on both the purchase and refinance application are required. This is to insure that we accurately match the consumer with the right lender. Here are some other examples of why all fields are required: The property information is used to see if there are any requirements that pertain to your city or state. Putting in the social security number in insures that the lender will not delay in contacting you, as it tells the lender that you are serious about getting a loan. Also the income and total debt tells the lender how he may need to structure your loan before contacting you. Once you have been contacted by a lender that you feel comfortable with them you then can give them permission to run your credit.

Brokers:

Our Brokers can always choose whether or not to disclose personal or business information through HOMELOANHAVEN�. Certain information is of course required for registration and to establish and securely manage your HOMELOANHAVEN account, but other requested information may be optional. Specific questions about what information is currently required should be addressed to the account manager and Web site coordinator who establish your account.

Who has access to the information that I provide to HOMELOANHAVEN?


Only employees that need access to your information to perform their job functions are authorized to access your information for the sole purpose of matching you up with our top lenders tailored to your individual preferences. Most lenders tell us in advance what criteria they are looking for such as State, how you rated your credit, how much equity is left on your home and how much income you have vs. you debt. All this vital information is needed so neither you or the lender is wasting their time. Once you have received contact from a lender all your information will then be deleted. HOMELOANHAVEN does not sell any personal information or details of their transaction to any third parties. From time to time, we may be asked to disclose such information to third parties as part of a legal proceeding (i.e. subpoenas and criminal investigations); in such cases, HOMELOANHAVEN will disclose personally identifiable information as required by law.

How does HomeLoanHaven protect my information?

When you submit personal information on this Web site, we will protect your information both online and offline. When you submit sensitive information (such as social security number), that information is encrypted and is protected with the best encryption software in the industry - (Secure Socket Layer). While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just �surfing�.

We also use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure once we receive it. For example, we store the personal information you provide on computer systems with limited access that are located in secured facilities. HomeLoanHaven.com�s employees are trained and kept up-to-date on our security procedures. If you have any questions about the security at our website, you can send an email to support@homeloanhaven.com insert email address]

What is SSL and How Does it Protect Me?

SSL protocol provides secure communications on the Internet. Essentially, SSL does three things:

  1. SSL creates a secure communication channel by encrypting communication between the user and the server.

  2. SSL authenticates that the server to which you are connected is indeed correct. You can be assured that you are actually communicating with us, and not a third party trying to intercept the transaction.

  3. SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count (or checksum) provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this check sum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

What if I need to change the personal information I previously disclosed?

You may do this one of two ways either by sending an e-mail to customersupport@homeloanhaven.com state the information that you want us to delete or change and we interne will make those changes and notify you by e-mail with-in 24 hours or you may call us directly at: 800-996-3450. If you already have been contacted by one of our national lenders you should also contact them immediately so they may change the information as well.

What is a cookie and how is it used?

Homeloanhaven does not use cookies

Who can I contact if I have any questions regarding my privacy?


If you have specific questions about HOMELOANHAVEN�, you can contact us directly through our e-mail "info" address provided below. For more general information on privacy, we recommend the Web site published by the U.S. Federal Trade Commission, which includes news and commentary about privacy protection on the Worldwide Web; or go directly to their FTC Search page, enter the words "Internet privacy" (without quotes) in the text field, and hit the Search button.

What does HomeLoanHaven do with the non-public personal information it receives from consumers?

HOMELOANHAVEN provides a wide range of services to consumers. In connection with these services, HOMELOANHAVEN often receives non-public personal information about the customers. Except as permitted by law, HOMELOANHAVEN does not share, disclose or otherwise use non-public personal information that it receives from its customers. Federal privacy regulations limit the manner in which HOMELOANHAVEN may re-use or re-disclose this information, and HOMELOANHAVEN complies with these regulations.

Notification of Changes
If we change our privacy policy, we will post a notice of the change on our homepage, so you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify you via email or by posting a prominent notice on our Web site 30 days prior to implementing the change. You will have a choice as to whether or not we use your information in this different manner.


Questions specifically regarding this HOMELOANHAVEN� statement of privacy policy should be directed to customer customersupport@homeloanhaven.com

Phone: 800-996-3450

Or you may contact support at:

Homeloanhaven

355 N. Lantana street , #658

Camarillo , Ca 93010

Home Loan Haven, Inc. is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices. This privacy statement covers the site www.homeloanhaven.com. Because this Web site wants to demonstrate its commitment to our users� privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have any questions regarding this privacy statement please do not hesitate in contacting us. Email your questions to customersupport@homloanhaven.com .

If you do not receive acknowledgment of your inquiry or your inquiry is not satisfactorily addressed, you should then contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process at http://www.truste.org/consumers/watchdog_complaint.php . TRUSTe will serve as a liaison with the Web site to resolve users concerns

128-bit High Encryption Browsers

We require you to use a secure browser to access account information and perform transactions. This helps to ensure that the information you access is secure and confidential.

[Available Mortgages][Brokers Contact][Contact Us][Debt Calculator][Associated links][Mortgage Calculator][Mortgage Process][Mortgage Rates][Refinancing ?][Privacy Statement][Sitemap][Approved States]
Home Loan Haven, Inc. All rights reserved � 2005-09-12.
1-800-996-3450
355 North Lantana St. #658
Camarillo, CA
93010