Privacy Policy for American Advantage Mortgage         

Your privacy is important, so we'd like to explain what information we/HumanClick collect when you visit American Advantage Mortgage (http://www.aami.net), why we collect it and how it is used. We'd also like to explain your options to access and control your information, our data security practices and other matters.

HOW DO WE PROTECT INFORMATION WE COLLECT?
We offer secure web pages to collect certain kinds of user information and we store certain kinds of data in encrypted form. We follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on our system. While no computer system is completely secure, we believe the measures implemented by our Site reduce the likelihood of security problems to a level appropriate to the type of data involved.

HOW LONG DO WE KEEP USER INFORMATION?
We never keep user data on our server or in our archives.  We will only keep pertinent loan information i.e. loan applications, credit reports, pay stubs etc. on our computers and in storage only as long as allowed by each states Banking Commissioners policies. We may alter this practice according to changing requirements. For example, we may delete some data if needed to free up storage space. We may keep other data for longer periods if the law requires it.

CERTAIN EXCEPTIONAL DISCLOSURES
None. American Advantage Mortgage Inc. will never give any current, or potential clients, Non-Public-Information (NPI) away to any organization that is not directly involved with actually helping that client get to Settlement, i.e. Title Attorney, Lenders Underwriter, Credit Bureau, etc.  AAMI is sensitive to your concerns regarding privacy and security.  Our Mortgage Application is developed to ask only the necessary questions so that we can get you the best rate possible for your loan. In addition, it is our policy, not to sell or rent your data to any other company for the use of your personal information. The information you provide is used solely for the purpose of securing your loan.  For your security, our on-line Application form is automatically coded so that the information you supply travels over the Internet in an encrypted format and decoded once we receive the information.  We are committed to protecting your personal and financial information throughout the entire process. If, at any time, you are not comfortable entering information over the Internet, please call us directly at 410-Mortgage.

WHAT ARE COOKIES? WHY DO WE USE THEM?
Cookies are small files stored by your browser in your computer when you visit our Site. American Advantage Mortgage does not use Cookies, but Human Click does. They use cookies to improve our Site and make it easier to use. Cookies permit us to recognize users and avoid repetitive requests for the same information. We mostly use "session cookies" that are automatically deleted after each visit. Cookies from our Site can't be read by other sites. Most browsers will accept cookies until you change browser settings to refuse them.

WHAT INFORMATION DO WE COLLECT FROM YOU? WHY?
When you use our Site, we may collect personal information about you described below. You may not later be able to access, modify or remove the information.
We May Collect Information About Your Computer via Human Click (see Human Click's "Privacy Statement") When you visit our Site, we may automatically collect information about your computer configuration, such as your browser type, operating system, IP address or ISP domain name. This information will not reveal or be linked to you personally. We use this information to customize and personalize content to your request, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents. We cannot see or have access to your email address.
We May Collect Navigation and Clickstream Data. As you browse our Site, we may gather navigational and clickstream data that shows what pages are visited and how long various features are used. This information will not reveal or be linked to you personally. We use this information to complete and support the immediate activity requested, and to comply with any requirements of law. This information may be disclosed only to our staff.
YOUR CONSENT TO THIS POLICY
By using our Site, you agree to this Policy. This is our entire and exclusive Privacy Policy and it supersedes any earlier version. We may change it by posting a new version on our Site.

 
LEGAL STUFF
THIS SITE OPERATES AS-IS AND AS-AVAILABLE. ANY WARRANTIES OF ACCURACY, QUALITY, TITLE, FITNESS OR MERCHANTABILITY ARE DISCLAIMED. WE ARE NOT LIABLE FOR DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR FOR EVENTS BEYOND OUR DIRECT CONTROL.
This Policy is governed by Maryland law, excluding conflicts of law principles. Any provision of this Policy that is illegal or unenforceable shall be deemed automatically conformed to the minimum requirements of law. Any legal actions against us must be commenced in Maryland within one year after the claim arose, or be barred.

IF YOU HAVE A PRIVACY QUESTION
If you have a privacy question about our site please email Greg Hughes or write: American Advantage Mortgage, Attn: Greg Hughes, 5517 Oregon Ave, Suite 200, Baltimore, MD 21127.