{"id":3,"date":"2020-12-25T01:25:55","date_gmt":"2020-12-25T01:25:55","guid":{"rendered":"http:\/\/18.141.65.65\/?page_id=3"},"modified":"2026-04-27T09:21:19","modified_gmt":"2026-04-27T09:21:19","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.americamortgages.com\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n
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Privacy Policy<\/h2>\n
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This privacy statement describes how America Mortgages, Inc. (\u201cAmerica Mortgages\u201d, \u201cAM\u201d, \u201cwe\u201d, \u201cus,\u201d or \u201cour\u201d) collects and uses the personal information of users and visitors of our website (\u201cuser\u201d, \u201cyou\u201d, or \u201cyour\u201d): AmericaMortgages.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.<\/p>\n

\nAmerica Mortgages, Inc. is committed to protecting your non-public personal information at all times. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your non-public personal information is protected.\n<\/p>\n

\nOur websites are not designed to appeal to children under the age of 13 as our business is financial in nature. We don’t knowingly attempt to solicit or receive any information from children.\n<\/p>\n<\/div>\n

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<\/span>How and why we collect personal information<\/h3>\n
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We primarily collect information by specifically requesting it from you. Generally, this occurs when you register at our website or request information or a service. Usually, we and our service partners use your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us. <\/p>\n

\nFor the purposes of this Privacy Policy, non-public personal information includes, without limitation, (a) your email address, (b) your first name, (c) your last name, (d) your social security number, and (e) your loan number.<\/p>\n<\/div>\n<\/div>\n

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<\/span>AM gathers two types of information about you:<\/h3>\n
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Data, including non-public personally identifiable information, that users provide through optional, voluntary application on our website.\nData that GRI gathers through aggregate tracking, including by tallying webpages that are viewed by users throughout our website.\nInformation we collect when you browse our website\nWe do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Updates<\/h3>\n
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This Privacy Policy was last updated 01\/01\/2021. Please check periodically for changes.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Use of Tracking; Use of IP Addresses<\/h3>\n
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An IP address is a unique number that is automatically assigned to your computer whenever you are surfing the Internet so that your computer can be identified by the main computers, known as \u201cWeb servers,\u201d that \u201cserve up\u201d or display webpages. This allows us to identify and gather general information and data about you, such as the webpages you view.<\/p>\n

\nAM collects IP addresses for the purposes of system administration and security, to report on aggregated information, and to audit the use of our site. Aggregated information is intended for AM internal use only, and is part of our performance tracking and diagnostic processes. When customers request pages from AM, our servers log the customers\u2019 IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a customer\u2019s session will be logged, but the customer will remain anonymous to us unless they decide to apply for a loan with us. We can, and will, use IP addresses to identify you when we feel it is necessary to enforce compliance with our website Terms of Use Policy or to protect our service, website, users, or others.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Cookies<\/h3>\n
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\nAmerica Mortgages, Inc. uses a variety of third-party services to help provide the most streamlined and user-friendly website possible. We also use third parties such as Google Analytics to help us understand how our visitors use our website. These third-parties may collect certain information from your browser (i.e. using cookies and\/or your IP address), and may tailor your ads so that you see America Mortgages advertisements on other websites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third party partners, visit the Network Advertising Initiative at www.networkadvertising.org\/choices.If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked. Learn more about adjusting your Privacy Settings in your browser to turn off tracking here.\n<\/p>\n

\nA cookie is a small text file that is stored on a user\u2019s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.<\/p>\n

\nWe use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser\u2019s \u201chelp\u201d file.<\/p>\n

\nWe use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.\n<\/p>\n

\nThe use of cookies by third parties, including but not limited to our partners, affiliates, tracking utility company and service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company and service providers may use session ID cookies.<\/p>\n

\nIf you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.\n<\/p>\n<\/div>\n<\/div>\n

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<\/span>Web beacons<\/h3>\n
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Our third party service provider employs a software technology called clear gifs (a.k.a. Web beacons\/Web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user\u2019s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie the information gathered by clear gifs to our customers\u2019 personally identifiable information.<\/p>\n

\nWe use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Access to information<\/h3>\n
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In case you change your mind or some information changes we will try to provide a way to correct or update the information that you give us. You may update or delete your information at any time prior to completing your application. Once the application is submitted, you will not be able to change any of the information online. We also give you the opportunity to control the communications we direct to you. If you wish to update information or objects to any usage provided herein for any reason, you may email the requested change to at hello@dev.gmg.asia<\/a>. We will respond to your request to access within 30 days.<\/p>\n

\nWe will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.<\/p>\n<\/div>\n<\/div>\n

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<\/span>How we protect your personal information and your privacy<\/h3>\n
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We restrict access to non-public personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.<\/p>\n

\nThe security of our users\u2019 information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. AM uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (\u201cSSL\u201d) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep non-public personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet. <\/p>\n

\nOnline applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to AM. <\/p>\n<\/div>\n<\/div>\n

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<\/span>Compliance with state and federal laws<\/h3>\n
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As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Session time-outs<\/h3>\n
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\nIf you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.<\/p>\n<\/div>\n<\/div>\n\n

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<\/span>Passwords<\/h3>\n
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\nWhile we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:\nIf using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.\nCreate strong, unique passwords for each online service that you use and change these passwords often.\nWhen you finish using our website from a public computer, log out and clear the browser\u2019s cache file.\nStay vigilant for scams like \u201cphishing\u201d. Never provide your login information in response to any email, physical mail or phone call that claims to be from AM. Instead, go directly to our website, ensuring that the URL begins with https:\/\/www.americamortgages.com \nDoes AmericaMortgages.com share my personal information with third parties?<\/p>\n

\nAs a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:\nOn a \u201cneed to know\u201d basis, as necessary under the agreements with our vendors to perform the services as contracted by you\nAt your direction and with your consent.\nTo communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers.\nAs required or permitted by law.<\/p>\n

\nAM may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of AM\u2019s rights or property, other users, or anyone else. AM may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Links of other sites<\/h3>\n
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\nOur site includes links to other websites whose privacy practices may differ from those of America Mortgages, Inc. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Public forums<\/h3>\n
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\nOur website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at hello@dev.gmg.asia<\/a> In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Contest and sweepstakes<\/h3>\n
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\nWe may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Notifications form us<\/h3>\n
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\nIf you use our website to apply for a loan or create an account, you will receive email notifications from AM from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your non-public personal information from unauthorized access and to provide you information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to emails that you send us.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Change of control<\/h3>\n
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\nYour non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of AM.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Agreement and contact<\/h3>\n
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\nBy clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with America Mortgages, Inc.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Your California Privacy Rights<\/h3>\n
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\nCalifornia Civil Code \u00a7 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write us:
\nAmerica Mortgages, Inc.
\nAttn: Compliance Officer<\/p>\n

DISCLOSURE FOR CALIFORNIA USERS: AM, GMG AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE AM, GMG WEBSITES ARE UNABLE TO RESPOND TO \u201cDO NOT TRACK\u201d SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT hello@dev.gmg.asia <\/a> <\/p>\n<\/div>\n<\/div>\n

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<\/span>Notification of privacy statement changes<\/h3>\n
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\nWe reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of AM\u2019s website following the posting of changes to these terms will mean you accept those changes.<\/p>\n<\/div>\n<\/div>\n

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<\/span>Who can I contact for privacy related issues?<\/h3>\n
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\nYou can contact us by email:\nAmerica Mortgages, Inc.\nAttn: Compliance Officer
\nhello@dev.gmg.asia<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n