Terms and Conditions
BY ACCESSING, BROWSING, AND USING THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL POLICIES AND GUIDELINES INCORPORATED BY REFERENCE.
If you have any questions or comments regarding the Site or its contents, please direct them to info[@]livewelloceanview.com.
Information We Maintain or Collect
We maintain and collect nonpublic personal information about you as necessary to provide you with financing for your new home. We also may maintain or collect information about you to provide products, services, and other opportunities that we believe may be of benefit to you. The following are examples of the types of nonpublic personal information we maintain or collect:
- Information that you provided in connection with your loan on applications, other forms, or verbally, such as your name, address, social security number, income, or assets and liabilities.
- Information about your transactions with us, our affiliates, or other parties, such as your payment history, account balance, and parties to transactions.
- Information we receive from consumer reporting agencies, such as your credit worthiness and credit history.
Information Sharing with Third Parties
We do not disclose nonpublic personal information about you to third parties except as permitted or required by law. There are numerous instances in which we are permitted or required to share such information. Some examples include:
- Sharing information with third parties who provide services to us in connection with processing or administering your loan, such as appraisers, mortgage insurance companies and underwriters.
- Sharing information to comply with federal, state or local laws.
- Sharing information to protect you or Ocean View Beach Club from actual or potential fraud.
Confidentiality and Security of Information
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We collect “Aggregate Information” about you and your use of our Site whenever you visit us online. For instance, we may collect various forms of “click stream” information such as entry and exit points for our Site (i.e., referring URLs or domains), site traffic statistics, page views, impressions, and operating system and browser type. In addition, when users request pages on our Site, our servers automatically log their IP addresses. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web.
We may collect, compile, store, publish, promote, report, sell, or otherwise disclose or use any and all Aggregate Information.
If we do correlate any Aggregate Information to you, such information will be treated like any other personal information under this policy.
We may make use of “cookies” on our Site. Cookies are small text files that are stored on a user’s computer by a Web server based on the permissions set in a user’s browser software. A cookie itself is not designed or intended to read any information from a user’s computer (other than the contents of the cookie); rather, it is an identifier used by the Web site that originally placed it on your hard drive. The actual contents of the cookie information can be retrieved by the same server to identify the computer and subsequently to customize, monitor, or regulate the use of a site based on information stored in the cookie and the host server. Therefore, cookies only identify the user’s computer to the Web site that may correlate other information, including personal information, with the cookie.
Cookies allow us to automate access and data entry functions of our Site such as login information, correlate online ordering information for purchases you may make while at the Site (if any), tailor the Site to your preferences or interests, or customize promotions or marketing. In addition, cookies allow us to track usage of the Site to determine which areas are useful or popular and which are not, thereby enabling us to improve and update the Site effectively.
Some portions of our site may use web beacons in conjunction with cookies to understand user behavior. A web beacon is an electronic image, called a single-pixel (1×1) or clear GIF. Web beacons can recognize certain types of information on a visitor’s computer, such as a visitor’s cookie number, time and date of a page view and a description of the page where the web beacon is placed. Some Web beacons may be unusable if you elect to reject their associated cookies.
We use reasonable efforts to store and maintain personal information to protect it from loss, misuse, alternation or destruction by any unauthorized party. No financial information or social security information is stored on or otherwise accessible through our Site. When we do transmit your data, we use only Secure Servers using current encryption technology to encode your data safely. The personal data stored on our system is protected by a firewall designed to keep unauthorized users from accessing our network.
While on the Site, you may be referred to web sites other than our Site (“Outside Sites”). A link from our Site to an Outside Site does not imply endorsement of that site nor any ability to control that site’s privacy practices. Be aware that Outside Sites may collect data and personal information and operate according to their own privacy practices. Therefore, you should carefully review the privacy policies of Outside Sites before submitting any Personal Information on them.
To respect the privacy of children and to comply with the Children’s Online Privacy Protection Act, the Services are not available for children under the age of 13. Our Site is a general audience site that is not designed nor intended to collect personal information from children under the age of 13. If you are under 13 years old, you should not request any information nor provide any Personal Information to this Site.
This Site provides you the opportunity to opt out of receiving communications from us. To opt out of receiving marketing information or to unsubscribe from any specific email service, email a request to info[@]livewelloceanview.com.