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We Protect Your
Right to Privacy
Affiliated Funding
is committed to
protecting your
privacy as a user.
As an application
service provider and
technology company,
we understand your
need to maintain
control over your
personal data when
using the Internet.
We maintain your
privacy through the
enforcement of
strict internal
polices that exceed
industry standards.
This statement
discloses the
privacy practices
for Affiliated
Funding, and all
affiliated web sites
in the Affiliated
Funding network of
websites.
Use of Data
All information
collected through
user registration is
simply used to
permit you and/or
your company to
communicate with
other participants
in the network. We
do not sell or
distribute that
information to any
third party. Highly
sensitive
information that
pertain to a loan
application, and
supporting
documentation such
as credit reports,
appraisals, VODs and
VOEs are securely
transmitted to our
servers, securely
stored, and shared
only by other
network participants
that are required to
have the information
to consummate the
funding transaction.
Use of Your Email
Address
One of the biggest
annoyances in the
modern world is SPAM
e-mail. We dislike
it too, and do not
permit the
participants of the
Affiliated Funding
websites to SPAM
e-mail each other to
promote their own
businesses. We do
not sell, rent, or
share any e-mail
addresses with any
other party.
However, we, as a
communications
portal for the
wholesale mortgage
industry, do allow
participants in the
network to send
e-mails to each
other. Nevertheless,
each participant's
web site
administrator can
control which other
participants have
your e-mail address.
Affiliated Funding
may send broadcast
emails to its users
regarding
information
pertaining to the
use of the service.
Sharing of
Information
We do not sell,
rent, or share any
user information
that we collect from
the registration
process. By
contract, third
parties must comply
with their own
privacy policies
with regard to the
renting, selling, or
sharing of
information. As
partners of
Affiliated Funding,
they must also offer
Affiliated Funding
users the chance to
opt out of
information sharing.
Information
Security
All information
gathered on
Affiliated Funding
web sites is stored
and maintained in
secure facilities
that limit access to
authorized personnel
only. This personnel
can only access the
information through
a series of
access-control
procedures. All
Affiliated Funding
employees are
briefed about the
company's privacy
and security
policies on a
regular basis. The
Affiliated Funding
web sites are
regularly tested for
security breaches to
ensure that all
information
collected is secure
from unauthorized
viewing.
Regarding
Cookies
To provide better
service and a more
effective Web site,
we use "cookies" as
part of our
interaction with
your browsers. A
"cookie" is a small
text file placed on
your hard drive by
our Web Page Server.
Our cookies cannot
retrieve any other
data from your hard
drive, pass on
computer viruses, or
capture your e-mail
address. Cookies are
commonly used on Web
sites and do not
harm your system.
We use cookies in
places where you
need to register,
such as Internet
banking, or where
you are able to
customize the
information you see.
Recording a cookie
at such points makes
your online
experience easier
and more
personalized.
Our cookies do not
collect personally
identifiable
information and we
do not combine
information
collected through
cookies with other
personal information
to determine who you
are or your e-mail
address. By
configuring your
preferences or
options in your
browser, you
determine if and how
a cookie will be
accepted. However,
if you configure
your web browser so
that "cookies" are
turned off, our
website will not be
able to process your
transaction. If this
happens, please turn
your cookies back on
and log onto our
site again.
Encryption
Your password and
all information
relating to your
accounts and your
enrollment are
scrambled using some
of the strongest
forms of encryption
commercially
available for use
over the World Wide
Web.
We are a VeriSign
Secure Site.
How does encryption
work?
Everything that
travels through the
Internet during your
online user session
- from your password
to your instructions
to your social
security number-
becomes a string of
unrecognizable
numbers before
entering the
Internet. Both
Industry Access
Incorporated's
computers and the
browser you use to
surf the Web
understand the
mathematical
formulas, called
algorithms, that
turn you web site
session into numeric
code and back again
into meaningful
information.
These algorithms
serve as locks on
the doors of your
account information.
And while Industry
Access Incorporated
and your computer
can easily translate
this code back to
meaningful language,
this process would
be a daunting,
almost impossible
task for
unauthorized
intruders. That's
because there are
billions of possible
keys that could
potentially solve
each formula - but
only one that will
work. Every time you
begin an online user
session, your
computer and
Industry Access
Incorporated systems
agree on a random
number that serves
as the key for the
rest of the
conversation. What
that random number
is depends largely
on the strength of
encryption used by
your browser.
The main difference
is that 128-bit
encryption provides
a significantly
greater amount of
cryptographic
protection than
40-bit encryption.
With the increasing
computing power of
potential criminals,
it is becoming more
necessary to employ
larger keys, as
evidenced by a
recent study by
several leading
cryptographers.
In terms of what the
numbers represent,
"128" and "40" bit
encryption refer to
the size of the key
used to encrypt the
message. Roughly
speaking, 128-bit
encryption is
309,485,009,821,345,068,724,781,056
times stronger than
40-bit encryption.
Presently, 40-bit
encryption is not
considered "strong"
security in the
cryptographic
community.
Note: Currently,
browsers that offer
128-bit encryption
can only be used by
citizens and
permanent residents
of the United States
and citizens of
Canada, and can only
be downloaded to
locations in the
United States or
Canada.
All browsers provide
detailed information
on security levels.
See your browser's
help or
documentation for
more information.
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