to explain how Valley West Mortgage treats all information you may submit to www.valleywestmortgage.com.
Many of the features of www.valleywestmortgage.com are available to you without requiring you to provide personally identifiable information. The following are certain situations in which Valley West Mortgage may collect personally identifiable information from you.
Valley West Mortgage collects personally identifiable information from you if you register online for one of Valley West Mortgage’s newsletters. When you register online with Valley West Mortgage, Valley West Mortgage asks for personally identifiable information such as your name, e-mail address, birth date, gender, ZIP code, occupation, industry, personal interests and other demographic information.
If you send Valley West Mortgage personal correspondence, such as e-mails or letters, or if other users or third parties send Valley West Mortgage correspondence about your activities or postings on www.valleywestmortgage.com, Valley West Mortgage may choose to collect such information into a file specific to you.
Valley West Mortgage may receive your personally identifiable information from one of Valley West Mortgage’s business partners.
Unless you are entering one of Valley West Mortgage’s sweepstakes, Valley West Mortgage does not share, loan, rent or sell your personally identifiable information. However, the following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business to provide Valley West Mortgage’s services:
Valley West Mortgage may aggregate personally identifiable information and disclose such information in a non personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, in these situations, Valley West Mortgage does not disclose to these entities any information that could be used to identify you personally. Certain information, such as your name, e-mail address, password, credit-card number and bank account number, are not disclosed to these third parties in a personally identifiable manner without your explicit consent.
Valley West Mortgage does not disclose your personally identifiable information to external service providers unless you provide your explicit consent. With your consent, Valley West Mortgage may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent Valley West Mortgage’s disclosure of your personally identifiable information to an external service provider, you can decline
such consent or simply not use their services. Because Valley West Mortgage does not control the privacy practices of these third parties, you should evaluate their practices before deciding to use their services.
You may at any time request a copy of Valley West Mortgage’s record of your personally identifiable information, change your personally identifiable information or use preferences, or opt-out of Valley West Mortgage’s use of your personally identifiable information by contacting Valley West Mortgage via any of the methods set forth below:
Via telephone: 702.696.9900
Via fax: 702.436.0030
Via mail: Valley West Mortgage Corporation, 9580 W. Sahara Ave. Suite 200, Las Vegas, NV 89117
Via e-mail: firstname.lastname@example.org
Via online link: www.valleywestmortgage.com
ValleyWestMortgage.com sends only verified, double-opt-in e-mail newsletters, specifically requested by Valley West Mortgage subscribers. Subscriptions to valleywestmortgage.com newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to Valley West Mortgage’s list. Valleywestmortgage.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.
“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Valley West Mortgage may set and access cookies on your computer to track and store preferential information about you. Valley West Mortgage gathers anonymous information about its users through cookie technology on an aggregate level only. Such aggregated information is used solely within Valley West Mortgage’s internal organization and is not shared with third parties.
“Web beacons”, also called single-pixels (1×1) or clear GIFs, are electronic images that allow a Web site to access cookies and help track marketing campaigns and general usage patterns of visitors to those Web sites. Web beacons can recognize certain types of information, such as cookie numbers, time and date of a page view, and a description of the page where the Web beacon is placed. No personally identifiable information about you is shared with third parties through the use of Web beacons.
Valley West Mortgage may use Web beacons internally to count users and recognize users through cookies. Access to cookies helps Valley West Mortgage personalize your experience when you visit valleywestmortgage.com.
Valley West Mortgage may include Web beacons in HTML-formatted e-mail messages that Valley West Mortgage or its affiliates or agents send. Including Web beacons in e-mail messages helps Valley West Mortgage determine your interest in and the effectiveness of such e-mails.
Valley West Mortgage may also use Web beacons externally. For example, Valley West Mortgage may report aggregate information about Valley West Mortgage.com users, such as demographic and usage information, to its partners and other third parties. Valley West Mortgage may also include other company’s Web beacons within valleywestmortgage.com.
Personally identifiable information you submit to Valley West Mortgage is password-protected for your privacy and security. In certain areas Valley West Mortgage uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises Valley West Mortgage security measures, Valley West Mortgage will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.
www.valleywestmortgage.com is intended to be accessed and used only by adults and is not directed to children under the age of 18. Valley West Mortgage does not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18.
Valley West Mortgage shall select the arbitrator, and if you and Valley West Mortgage are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator as a retainer for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Valley West Mortgage, and your and Valley West Mortgage’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Valley West Mortgage be entitled to punitive, special, indirect or consequential damages, and both you and Valley West Mortgage hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.