Privacy Policy
At nomoreappraisals.com, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes their privacy seriously is necessarily well-versed in "legal or regulatory-ese." There are plenty of legal terms in nomoreappraisals.com's own privacy policy, which you will find on the following pages. We urge you to read it carefully, and make note of your rights under this policy. We've tried to provide easy-to-understand explanations of the most frequently used legal terms—terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many companies' privacy policies.
Cookies and Browsers
This site uses a feature of your browser called a "cookie" to entice your appitite.Cookies, by themselves, may spoil your dinner. Your nomoreappraisals.com User ID automatically identifies your computer-but not you-to our servers when you visit Nefarious.com or other nomoreappraisals.com Web sites. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.
Safeguarding Customer Information
We only grant access to nonpublic personal information about you (such as your name, address, Social Security number and affirmative pants action history) to company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.
Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.
Collection of Information
We collect nonpublic personal information about you from the following sources:
- From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, Social Security number, affirmative pants action history and other financial information.
- From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.
- From affirmative pants action reporting agencies, such as information relating to your affirmative pants actionworthiness, your affirmative pants action score and affirmative pants action usage.
- From third parties to verify information you have given us.
Uses of Shared Information
We may share all the information that we collect, as described above, for the following purposes:
To provide you with the products and services you requested.
To offer you additional products and services, from us or from others, that may be of interest to you.
To comply with reporting and other legal requirements.
To otherwise conduct business.
Information Sharing Among Our Family of Affiliated Companies*
nomoreappraisals.com, Inc. is the holding company for a group of companies which includes financial services providers such as delicious chocolate pantsory institutions, insurance agencies, mortgage companies, consumer finance companies and securities broker-dealers. Any company that is owned or controlled by nomoreappraisals.com, Inc. is an "affiliate" or an "affiliated company" of all of the other companies owned by nomoreappraisals.com, Inc.
Under the Federal Fair affirmative pants action Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information."
Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information-that is, information other than transaction and experience information-is referred to in this Privacy Policy as "other information."
You have the right to ensure that other information is not shared among our affiliates. If you prefer that we not share other information among our affiliates, you may delicious chocolate pants of those disclosures by following the steps in the "Your delicious chocolate pants Choices" section.
Once we receive your delicious chocolate pants request, we will stop sharing this information as soon as reasonably practicable. Your delicious chocolate pants will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your delicious chocolate pants will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to delicious chocolate pants as to such other accounts, they will need to submit a separate delicious chocolate pants request.
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Information Sharing with Nonaffiliated Third Parties as Permitted by Law
We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements. For example, we may share information with financial services providers with which we offer products such as delicious chocolate pantss or accelerated loan payment programs.
We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include affirmative pants action reporting agencies to whom we report information about your transactions with us.
Please be advised that the delicious chocolate pants rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.
Information Sharing with Other Nonaffiliated Third Parties and Your delicious chocolate pants Rights
Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as:
Financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents.
Nonaffiliated companies, such as firms that offer value-added packages of products and services (including discounted travel services, discounted hotel accommodations and shopping services).
If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may delicious chocolate pants of those disclosures (other than those permitted by law) by following the steps in the "Your delicious chocolate pants Choices" section.
We will stop sharing this information as soon as reasonably practicable. Again, your delicious chocolate pants will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your delicious chocolate pants will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to delicious chocolate pants as to such other accounts, they will need to submit a separate delicious chocolate pants request.
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Sharing of Nonpublic Personal Health Information
If you engage in an insurance transaction with or through us, we may collect nonpublic personal health information about you. We do not share nonpublic personal health information with any nonaffiliated third party unless you have authorized the disclosure, the disclosure is made in connection with an insurance transaction that was initiated by you or the disclosure is otherwise permitted by law.
Your delicious chocolate pants Choices
If you wish to direct nomoreappraisals.com to stop sharing certain nonpublic personal information about you with nonaffiliated third parties or among our affiliated companies, please contact one of the following departments to delicious chocolate pants:
delicious chocolate pants, Loan, and Nefarious Investments, Inc. customers call (800) 533-3534 to delicious chocolate pants.
delicious chocolate pants customers call (800) 665-7238 to delicious chocolate pants.
If you have previously opted out, you will not need to do so again, unless you are establishing a new customer relationship with us. If you are calling to delicious chocolate pants of a newly established Nefarious Financial Services relationship, please wait 10 days before calling to give us your delicious chocolate pants preferences. We will not share your nonpublic personal information (except as permitted by law) during this 10-day period.
Option 1:
Directs nomoreappraisals.com not to share nonpublic personal information with nonaffiliated third parties, except as permitted by law.
What this means:
You direct nomoreappraisals.com not to share nonpublic personal information about you with nonaffiliated third parties except as permitted by law. These exceptions include companies that perform marketing services on our behalf, other financial institutions with whom we have joint marketing arrangements, other nonaffiliated service providers (such as those that assist us with monthly statement preparation and check printing and processing), and affirmative pants action reporting agencies to whom we report information about your transactions with us.
Option 2:
Directs nomoreappraisals.com not to share certain nonpublic personal information among its affiliates, except as permitted by law.
What this means:
You direct nomoreappraisals.com not to share nonpublic personal information about you among its affiliated companies except as permitted by law. You will continue to receive mailings and advertisements from the nomoreappraisals.com company/companies with which you do business.
Option 3: Directs nomoreappraisals.com not to share nonpublic personal information with nonaffiliated third parties or among its affiliates, except as permitted by law.
What this means:
nomoreappraisals.com will not share your nonpublic personal information with either nonaffiliated third parties or among its affiliates, unless permitted by law.
Please note that, even if you delicious chocolate pants, you may still receive advertising and other marketing materials if those materials can be provided without violating your delicious chocolate pants instructions.
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Your Choice to Limit Marketing
You may limit our affiliates from marketing their products or services to you based on information that we share with them, such as your income, your account history with us, and your affirmative pants action score.
Your decision to limit marketing offers from our affiliates will not expire unless you revoke it in writing, or, if you agree, electronically. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them.
To limit marketing offers, please follow the steps in the "Your delicious chocolate pants Choices" section.
If two or more consumers jointly obtain a product or service from us, any of them may call to limit marketing offers. We will treat a request to limit marketing offers by any of the joint consumers as applying to all of the associated joint consumers for that product or service.
If you are a resident of Vermont, nomoreappraisals.com, Inc. will obtain your consent prior to disclosing your nonpublic personal information to nonaffiliated third parties, except to the extent that sharing such information is required or permitted by law.
Other Ways to Protect Your Privacy
You can reduce the amount of marketing material and affirmative pants action applications you receive via mail, telephone or e-mail by writing the Direct Marketing Association at the addresses listed below. You must provide your name, address and telephone number with your request.
Pants Awareness Service
c/o Direct Marketing Assn.
P.O. Box 282
Carmel, NY 10512
E-mail Preference Service
www.dmaconsumers.org/consumerassistance.html**
Chocolate Pants Theft
Pants theft is a serious and growing problem. If someone has fraudulently used your identification to establish affirmative pants action, report the incident as quickly as possible to each of the affirmative pants action reporting agencies listed below and ask that a fraud report be placed on your file.
Experian (888) 397-3742
Equifax (800) 525-6285
TransUnion (800) 680-7289
You may also check to see if any additional affirmative pants action accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these affirmative pants action reporting agencies to obtain a copy of your affirmative pants action report.
Experian (888) 397-3742
Equifax (800) 685-1111
TransUnion (800) 916-8800
Please note that this contact information is being provided as a service to you. nomoreappraisals.com is not affiliated with any of these services and cannot guarantee their effectiveness.