Privacy Policy

PRIVACY POLICY
Updated 2/12/2008

US Mortgage Funding, Incorporated / www.usmortgagefunding.org ("USMF.ORG") takes the privacy of our site visitors and customers very seriously. On this page, we address what information we collect from you and how we use that information. If you have additional questions that are not answered here, please contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it . By accessing or using the Website, you acknowledge that you have read, understood and accept this privacy policy and its terms.

INFORMATION WE COLLECT ON OUR WEBSITE
   To better serve our website visitors at www.usmortgagefunding.org, we collect two basic types of information from our customers:    

  -Aggregate user and tracking information: This information gives us insights on how our clients and site visitors use our site. This data is anonymous in nature and does not contain any personally identifiable information. We use this information to ensure that our website, e-mails and marketing efforts continue to appeal to our clients and site visitors. 

  -Personally identifiable information: This is information that personally identifies one individual from another. This information is voluntarily provided to us by our clients and is used by us for the purpose of fulfilling requests and /or inquiries. We do rent or sell this information to 3rd parties.    

INFORMATION YOU VOLUNTARILY PROVIDE TO US
   We only collect personally identifiable information that you voluntarily provide to us. Examples of such personally identifiable information that you provide to us may include, among other information, your name, physical address, email address, phone number, payment information, website user name and password, and answer to your password reminder question.

   We only require personally identifiable information from you when it is needed to complete your documentation, fulfill the requirements of your loan modification request, or when you voluntarily decide to register as a member of our site independent of a transaction.

When we collect information during an application qualifying interview and we do not accept you as a customer, we will not distribute that information in any way. We may hold the information for a periodof time and follow up at a later date to see if your circumstances have changed and desire our services. Any information taken to supplement an already open file is used solely for that purpose.

OTHER INFORMATION WE COLLECT
   When you visit our website, we may automatically collect some information about your visit using cookies, log analysis software and other aggregate tracking technologies.

COOKIES
   Cookies are files that contain small amounts of data. If your browser is configured to accept these files, they are stored on the hard drive of your computer. We use these data files when you visit our site to recognize your browser and capture and remember certain information about you. By using cookies, We are able to:
   Personalize and enhance your visit to our site.
   Track the various pages and articles you review at our website.
   Expedite your account log-in or document delivery request.
   Better measure how many users view our site.
   Better measure how effective our online marketing campaigns are performing.

   If you wish, you may set your browser to refuse cookies. However, by refusing to accept a cookie, you may not be able to access some pages or use some of the functions of our site. Some USMF.ORG cookie files remain on the hard drive of your computer unless and until you manually delete the file. USMF.ORG cookie files do not contain personally identifiable information or track individual user movement through our site.

LOG FILE ANALYSIS
   We also collect information from your computer each time you visit our site using JavaScript and log file analysis software.
   Information we measure, analyze and collect in this manner may include: your IP address, screen resolution, operating system, platform information, your URL click stream behavior (from referring URL website, through We website, to and including URL of exiting website), date and time of your click stream behavior, purchase behavior, click stream patterns, email address, cookie information, session information (includes: page interaction information, browser interaction information, page response times, length of visits to individual pages, download errors) and web browser software.
   Information we collect on how you use our site does not include personally identifiable information. Though some personally identifiable information may be collected in this process, the information collected is not used to track individual use through our website.

HOW WE USE THE INFORMATION WE COLLECT
   We use the information you have provided to us when we evaluate your circumstances prior to your becoming a client of our company and/or in analyzing, researching and in preparation of a personal loss mitigation plan. We do not share information with any outside parties except to the extent necessary for our affiliates to perform the specific request you made on our website, via telephone, facsimile, e-mail and/or U.S.P.S. / FedEx or other form of document delivery.

USMF.ORG and our affiliated partners use return e-mail addresses to answer the e-mail we receive from you. Such addresses are not used for any other purpose and are not shared with other outside parties. You may be able to register with our website if you would like to receive updates newsletters and additional services we may offer in the future. Information you submit on our web pages will not be used for updating, new products or services unless you fill a specific registration form for that update or service. Persons who supply us with their telephone numbers online may receive telephone contact from us or our partner(s) regarding that inquiry.

WE HAVE THE RIGHT TO: Sell, exchange or otherwise distribute your personally identifiable information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this privacy policy. We will not share your confidential information obtained for the purpose of application and/or approval with any other entity or person(s) other than our affiliates, and solely for the purpose of obtaining a loan modification offer from your lender.

PERSONALLY IDENTIFIABLE INFORMATION
   We may use your information, including personally identifiable information, for business purposes including, without limitation, for the following business purposes:
   To improve the quality of your visit.
   To send marketing communications and purchase confirmations that you have opted-into or otherwise agreed to receive other types of offers
   To send surveys to you.
   To update your user account with any information we receive from you or from third-party sources about you.

   Also, We may use your information, including personally identifiable information, as follows:
   We sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting the website, sending email messages and administering contests, surveys and other promotions. They may have access to personal information, such as email addresses, needed to perform their functions.
   In some cases, we may choose to buy or sell assets. In these business transfers, customer information, including personally identifiable information, is typically one of the business assets that is transferred. Moreover, if USMF.ORG, or substantially all of its assets were acquired, or in the unlikely event that USMF.ORG goes out of business or enters bankruptcy, customer information, including personally identifiable information, would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any assets may continue to be used according to your personally identifiable information as set forth in this policy.
   We may reserve and have the right to disclose any information about you or your use of our site without your prior permission. We in good faith believe that such action is necessary to: (a) protect and defend the rights, property or safety of USMF.ORG or its affiliates, other users of the site, or the public; (b) enforce the Terms of Use or (c) respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.
   We may share any information you submit to us.

NON-PERSONALLY IDENTIFIABLE INFORMATION
   We may use your non-personally identifiable information it collects during your site visit, during your interaction with our e-mails or during your interaction with our third-party marketing efforts for other purposes including without limitation, the following:
   To better monitor in aggregate the effectiveness of our online and offline advertising and marketing campaigns.
   To better monitor in aggregate how visitors and customers are using our site.
   To ensure that our website and e-mails continue to provide relevant content that is interesting and useful to our clients and site visitors.
   To uncover and diagnose problems with our site and servers.
   For day-to-day system administration needs.

WHAT YOU WILL RECEIVE FROM US
   We believe that honest and clear communications with our clients and site visitors is a key part of a great business experience. We only want to send you e-mail that you expect to receive or that you have requested. All of our e-mail contains clear information on how to unsubscribe, and we honor all requests as quickly as possible. Below are examples of communications you may receive from us:

  -Marketing or promotional e-mails:
   If you sign up for one of our marketing e-mails either directly, through the membership area, during the application process, or by any other means, we will send you the marketing e-mail that you have requested. 
   We only send these e-mails to site visitors and clients who sign up for one of our mailing lists or who agree to future contact regarding newsletters and offers from USMF or its affiliates. These mailings contain clear information on how to unsubscribe, and we honor all requests as quickly as possible. 
   If you are receiving communications from us and wish to unsubscribe, either follow the unsubscribe instructions in the communication or follow the opt-out instructions below to inform us that you do not want to receive e-mail from our company.

  -Postal mail
   We may also send you notifications of new programs, surveys, newsletters and other communications via postal mail.

  -Answering your inquiries
   If you send us an offer or a suggestion, we may use your e-mail address, telephone number or postal address to respond to you.

PRODUCTS OFFERED ON OTHER SITES
   We do share personally identifiable information with business partners who display other offers.

HOW WE PROTECT YOUR INFORMATION
   We understand that the safety of your personal information is extremely important to you. That is why we use both electronic and other measures to keep your information protected from unauthorized access.

ABOUT THIS POLICY
   The privacy policy was posted on the date set forth above. We reserve the right to change, alter or modify this policy for any reason at any time. When we do so, changes in our privacy policy will posted on our site and will be effective immediately. If you are a regular visitor to this site, we recommend that you check this privacy policy on a regular basis.

POLICIES FOR USERS OF THE SITE UNDER AGE 13
   USMF.ORG does not knowingly collect or maintain personal information from children under the age of 13 at our site, except for the limited circumstances described below. In the event a child under the age of 13 submits a question to us at our site and identifies his or her age, we may use the email address of the child for the sole purpose of responding to the question from the child on a one time only basis. However, we will not use the email address of the child for further contact and we will remove the address from our records after we have initially responded.

EXTERNAL LINKS
   The Website may include links to other websites whose privacy policies we do not control. Once you leave our site, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from ours and is not covered within this privacy policy.

ACCESSING AND UPDATING YOUR INFORMATION; OPTING OUT
   We may view and make changes to your personally identifiable information. Clients and site visitors who wish to subscribe or unsubscribe to our marketing and promotional communications can do so by using the subscribe/unsubscribe options, or by sending an email to  This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

   We may take a reasonable period of time to respond to any request to opt out or cancel or modify a registered account. If you request the deletion or modification of your personal information maintained by us, such information may be retained for a period of time in our backup systems as a precaution against system failures. Some information may be retained for longer periods as required by law, contract or auditing requirements.

OUR COMMITMENT to DATA SECURITY
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of the information we obtain, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online or via telephone, facsimile, U.S.P.S. or other document delivery source.

IF YOU HAVE QUESTIONS
   If you ever have any questions about this privacy policy, please contact us. We respect your rights and privacy, and will be happy to answer any questions or concerns you might have. Send your questions to This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Postal contact:
951 Broken Sound Parkway NW #200
Boca Raton, FL 33487