Privacy Statement

SMLA Spokane Mortgage Lenders Association is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the SMLA Spokane Mortgage Lenders Association Web site and governs data collection and usage. By using the SMLA Spokane Mortgage Lenders Association website, you consent to the data practices described in this statement.

Collection of your Personal Information

SMLA Spokane Mortgage Lenders Association collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. SMLA Spokane Mortgage Lenders Association also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by SMLA Spokane Mortgage Lenders Association. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by SMLA Spokane Mortgage Lenders Association for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the SMLA Spokane Mortgage Lenders Association Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through SMLA Spokane Mortgage Lenders Association public message boards, this information may be collected and used by others. Note: SMLA Spokane Mortgage Lenders Association does not read any of your private online communications.

SMLA Spokane Mortgage Lenders Association encourages you to review the privacy statements of Web sites you choose to link to from SMLA Spokane Mortgage Lenders Association so that you can understand how those Web sites collect, use and share your information. SMLA Spokane Mortgage Lenders Association is not responsible for the privacy statements or other content on Web sites outside of the SMLA Spokane Mortgage Lenders Association and SMLA Spokane Mortgage Lenders Association family of Web sites.

Use of your Personal Information

SMLA Spokane Mortgage Lenders Association collects and uses your personal information to operate the SMLA Spokane Mortgage Lenders Association Web site and deliver the services you have requested. SMLA Spokane Mortgage Lenders Association also uses your personally identifiable information to inform you of other products or services available from SMLA Spokane Mortgage Lenders Association and its affiliates. SMLA Spokane Mortgage Lenders Association may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

SMLA Spokane Mortgage Lenders Association does not sell, rent or lease its customer lists to third parties. SMLA Spokane Mortgage Lenders Association may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, SMLA Spokane Mortgage Lenders Association may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to SMLA Spokane Mortgage Lenders Association, and they are required to maintain the confidentiality of your information.

SMLA Spokane Mortgage Lenders Association does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

SMLA Spokane Mortgage Lenders Association keeps track of the Web sites and pages our customers visit within SMLA Spokane Mortgage Lenders Association, in order to determine what SMLA Spokane Mortgage Lenders Association services are the most popular. This data is used to deliver customized content and advertising within SMLA Spokane Mortgage Lenders Association to customers whose behavior indicates that they are interested in a particular subject area.

SMLA Spokane Mortgage Lenders Association Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on SMLA Spokane Mortgage Lenders Association or the site; (b) protect and defend the rights or property of SMLA Spokane Mortgage Lenders Association; and, (c) act under exigent circumstances to protect the personal safety of users of SMLA Spokane Mortgage Lenders Association, or the public.

Use of Cookies

The SMLA Spokane Mortgage Lenders Association Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize SMLA Spokane Mortgage Lenders Association pages, or register with SMLA Spokane Mortgage Lenders Association site or services, a cookie helps SMLA Spokane Mortgage Lenders Association to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same SMLA Spokane Mortgage Lenders Association Web site, the information you previously provided can be retrieved, so you can easily use the SMLA Spokane Mortgage Lenders Association features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the SMLA Spokane Mortgage Lenders Association services or Web sites you visit.

Security of your Personal Information

SMLA Spokane Mortgage Lenders Association secures your personal information from unauthorized access, use or disclosure. SMLA Spokane Mortgage Lenders Association secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

SMLA Spokane Mortgage Lenders Association will occasionally update this Statement of Privacy to reflect company and customer feedback. SMLA Spokane Mortgage Lenders Association encourages you to periodically review this Statement to be informed of how SMLA Spokane Mortgage Lenders Association is protecting your information.

Contact Information

SMLA Spokane Mortgage Lenders Association welcomes your comments regarding this Statement of Privacy. If you believe that SMLA Spokane Mortgage Lenders Association has not adhered to this Statement, please contact SMLA Spokane Mortgage Lenders Association at . We will use commercially reasonable efforts to promptly determine and remedy the problem.