Privacy & Security Policy

We are committed to safeguarding your privacy online and offline during any and all real estate and mortgage service transactions or consultations.

Please read the following statement to understand how your personal information will be treated as you make full use of the benefits website. If you have any questions regarding our privacy statement, please feel free to contact us by phone or email.

Voluntary Submission
We do not collect personal identifying information about any individual website user except when knowingly provided by such individual. For example, we may ask for information when you are interested in a "Property Hot list" or want to receive a newsletter. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still access most of our website, but you may be unable to enjoy certain options, services and information.

Cookies
A cookie is a data file that certain websites write to your computer's hard drive when you visit such sites. A cookie file can contain information, such as a user identification code, that the site uses to track the pages you have visited. We use cookies solely to enable enhanced features for our website. We use this data on an anonymous basis and we do not correlate this information with personal data of any user.

Most web site browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features of the website.

Browser Level Information
Our web servers automatically collect information about a site user's IP address, browser type and referrer by reading this information from the user's browser (information provided by every user's browser). The information is collected in a database and used-in an aggregated, anonymous manner-in our internal analysis of traffic patterns without our website. This information is automatically logged by most websites.

Use of Information
Our primary goal in collecting user information is to provide financial services directly to you and to enhance your experience on our website. We achieve this goal by, among other things, providing interactive communication such as our calculators, forms and electronic newsletters to the e-mail address that you provide to us, and developing future promotions and contents based on your interest. To develop content targeted to your interest, we use aggregated user information to determine which areas of our website users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall.

We do not share your identifying or financial information with any third parties without your prior knowledge and consent. These third parties include credit bureaus, lenders, and other financial institutions that may assist with your financial needs.

We may disclose information about our users when we believe, in good faith, that the disclosure is required by law.

Please be aware that our sponsors, affiliate partners, advertisers or websites that have links on our site may collect personal identifiable information about you. The information practices of those parties and web sites linked to ours are not covered by this privacy statement. Our users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.

Secure Online Loan Application
Our loan application is secured by 256 bit SSL encryption, the same that banks use for their online transactions. Your data is secure and private every step of the way.

Children Under The Age of 13
Do not send any information about yourself to us-including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from a child under 13 years of age. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete the information from our database as quickly as possible.

E-Mail
We respect the privacy of our readers and shall not disclose, distribute or rent the e-mail address of subscriber newsletter list or contest list to any third party, nor shall we permit anyone else to do so.

How To Contact Us
If you have any questions regarding our privacy statement, please feel free to contact us by email or phone.
This statement may change periodically, so please check back on occasion.

Disclaimer/Terms of Use

Your use of this Internet Website ("Website") constitutes your agreement without modification to all of the following terms, conditions and notices. If you do not agree with our Disclaimer/Terms of Use, your sole remedy is to discontinue your use of this web site.

The contents of this site are the property of Vision Marketing Group, Inc. unless otherwise indicated, and protected by copyright and trademark laws. All rights are reserved by Vision Marketing Group, Inc. and the content of the website may not be produced, downloaded, disseminated, published, or transferred without the prior written permission of Vision Marketing Group, Inc. The trademarks, logos and service marks displayed on the website are the property of Vision Marketing Group, Inc. and other parties.

The products and services described on this website are available only in the United States and other countries where permitted by law. Products and services may not be available in all geographic areas. All products and services are subject to change without notice. All loans are subject to credit approval and property appraisal.

As a condition of your use of this website, you warrant to Vision Marketing Group, Inc. that you will not use this website or any information contained on the website for any purpose that is unlawful or prohibited by this disclaimer, and that you will not access this website or use materials or services available on this website from territories where such access or use is illegal.

This website may contain links to other websites operated by third parties; Vision Marketing Group, Inc. provides links to other sites as a service to users. The linked sites are not under the control of Vision Marketing Group, Inc. or its affiliates or subsidiaries, and Vision Marketing Group, Inc. is not responsible for the content available on the third-part sites. Such links do not imply Vision Marketing Group, Inc. endorsement or approval of material on any other site. It is the user's responsibility to take precautions to ensure that material selected from such linked sites is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. Vision Marketing Group, Inc. is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such linked sites, or reference to or reliance on information contained therein.

This website may contain tools and calculators. Vision Marketing Group, Inc. provides tools and calculators as a service to users, for educational purposes only. Vision Marketing Group, Inc. does not guarantee the accuracy of the calculators or the results. Vision Marketing Group, Inc. is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

Use of this internet website and its contents are at the user's risk. Vision Marketing Group, Inc. assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. Vision Marketing Group, Inc. is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information.

INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUTH WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT WILL VISION MARKETING GROUP, INC. OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OF OR THE INABILITY TO USE THE INTERNET WEBSITE, SITE CONTENT OR ANY PRODUCT OR SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS INTERNET WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY.

Vision Marketing Group, Inc. reserves the right to change the Disclaimer/Terms of Use and modify the contents of the internet website without notice.

You agree that disputes arising out of or relating to the contents or use of this internet website are to be governed by the laws of the State of Washington, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Washington in all disputes arising out of or relating to the contents or use of this internet website.

If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause portion to be enforceable, and the remainder of the agreement shall continue in full force and effect.

This agreement constitutes the entire agreement between you and Vision Marketing Group, Inc. with respect to the use of this internet website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Vision Marketing Group, Inc. with respect to this internet website. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Results calculated throughout this website are based on limited information you have provided, our assumption that your credit history is in good standing and on current rates, terms and product offerings. All programs, rates, terms and fees are subject to change without notice until your loan transaction is locked with us. Your actual loan will be subject to credit approval including but not limited to verification of your income, assets, credit history, property appraisal and title review. All first lien loan quotes assume that secondary financing does not apply. Rates may change after settlement for adjustable rate mortgage products. Not all Vision Marketing Group, Inc. products are available on-line. Not all loan options are available in all states. Please contact us if you want to information on additional program options.