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OmahaRates.com and Your Privacy

Welcome to our website (“Website”). We know that privacy is an important issue for our visitors and we want them to know that we take privacy seriously. Please take a minute to review our privacy policy (“Privacy Policy”) , which describes what types of personally and non-personally identifiable information we collect from visitors; the purposes for which we use this information, and to whom and under what circumstances we disclose this information. The terms “we”,  “us”, or “our” as used in this Privacy Policy refer to OmahaRates.com.

Your use of this Website and the content and services provided through or in connection with this Website are subject to this Privacy Policy and our Terms of Use Agreement (“Agreement”). Each time you use our Website, you agree to be bound by this Privacy Policy and the current Agreement. If you do not agree to this Privacy Policy and Agreement, you must immediately discontinue use of this Website.

Personally Identifiable Information

In this Privacy Policy, personally identifiable information means information that identifies a particular individual, such as an individual’s name, postal address, e-mail address and phone number. The following are certain situations in which we may collect personally identifiable information from you:

  • When you fill out forms or fields on this Website;
  • When you communicate with us or request information about us, this Website and our services, whether via email or other means;
  • When you participate in forums or provide user generated content or submissions.
  • When you participate in online surveys;
  • When you participate in any of our marketing initiatives, including, contests, events, or promotions; and
  • It is also possible that we may collect personally identifiable information about you from sources other than you, such as through use of tools on our site, other users of our products and services and our business partners.

If you use any functionality on this Website allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy.

Non-Personally Identifiable Information

We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

We may collect non-personally identifiable information about you through a variety of technical methods, including the following:

  • Collection of Usage Details and IP Address. While you use this Website, we may collect details of your visits to this Website, including, but not limited to, traffic data, location data, logs, the resources that you access, and information about your computer and internet connection, including your IP address, operating system and browser type. We may use this information for system administration and to report aggregate information to our advertisers and business partners.
  • Collection with Cookies. “Cookies” are pieces of information that a Website sends to your computer while you are viewing a Website. We may set and access cookies on your computer to track and store preferential information about you. You consent to our placement of cookies on your computer. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to do so, however, your use of certain aspects of this Website may be restricted.
  • Collection with Web beacons. “Web beacons” are electronic images, tags or scripts that allow a Website to access cookies and help track general usage patterns of visitors to a Website. Web beacons can recognize certain types of information, such as cookies, time and date of a page view, and a description of the page where the Web beacon is placed. We may use Web beacons to compile information regarding use of this Website.

How Is Your Information Used?

We may use non-personally identifiable information collected from visitors to conduct reviews of our Website, to guide decisions about the development of our Website and to provide an enhanced online experience for our visitors. We may also use such information to identify, on an aggregate basis, general trends that may, for example, assist us in determining which products our web visitors are in need of.

We may use personally identifiable information collected from visitors for any of the following purposes: (1) to answer visitors’ questions, (2) to provide services, newsletters, and other information that visitors specifically request or register for through our Website, (3) to develop and improve our services, (4) to protect the security and integrity of our services, or (5) for internal business purposes.

We may use the information we collect to:

  • Confirm and complete transactions requested by you;
  • Provide customer support (including, responding to your requests), troubleshoot and resolve problems and disputes;
  • Contact you to verify the information you provide to us;
  • Protect the security and integrity of this Website;
  • Understand and anticipate your needs, preferences and ability to use site efficiently;
  • Ensure this Website is of interest to you (including, customization of advertising and content) and help us better understand your use of this Website;
  • Provide administrative communications to you;
  • Manage our business and operations;
  • Conduct internal reviews of this Website and administer this Website’s systems;
  • Comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other applicable agreements and policies;
  • Develop, enhance and market our products and services or the products and services of third parties;
  • Provide you with promotional materials, offers and personalized information;
  • Meet legal and regulatory requirements;
  • For other purposes as may be disclosed when you provide personally identifiable information or in this Privacy Policy.

Disclosure of Personally Identifiable Information

We may transfer or otherwise disclose the information it collects from its Website visitors to contractors, consultants, and other service providers, if the disclosure will enable that party to perform a business, professional, or technical support function for the visitor to this Website. For example, we may use service providers to offer customized search capabilities, to help provide services and information upon a visitor’s request, or to improve the performance of our services and Website. We require these service providers by contract to keep any personally identifiable information visitors provide to us confidential.

We may also transfer or otherwise disclose personally identifiable information (1) in response to judicial process, (2) to protect against or prevent actual or potential fraud, claims, or other liability, (3) to provide information to law enforcement agencies or in connection with an investigation on a matter related to public safety (as permitted by law), or (4) if required to do so by law.

As such, our business is to put service providers (ourselves or third party providers) in touch with you to fulfill this service. When you fill out the form on our Website, you consent to being contacted by one or more service providers.

Typical Disclosure

We may disclose personally identifiable information with third parties, but not limited to:

  • Appraisal companies
  • Credit agencies
  • Mortgage insurance companies
  • Title and escrow companies
  • Lenders
  • Realtors
  • Insurance companies
  • To any person that in our judgment, is authorized to receive your personally identifiable information as your agent, including as a result of your business dealings with that person (example: your attorney or accountant);
  • To our third party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data storage, surveys, research, internal marketing, delivery of promotional and transaction materials, and this Website’s maintenance and security;
  • As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property;
  • If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
  • To enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies;
  • To third parties when you (i) engage in certain activities on this Website that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party, or electing to participate in contests, sweepstakes, games or other programs sponsored in whole or in part by a third party, and/or (ii) respond to promotional materials from us and you authorize a third party to use your personally identifiable information to, for example, send you additional promotional materials, provide you a product or service, or enter you into a sweepstakes.  When we disclose your personally identifiable information to these third parties, your personally identifiable information will become permanently subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of your personally identifiable information;
  • To enforce or protect our rights;
  • In connection with a Business Transfer, as defined below and
  • To our affiliated companies (i.e., companies under common control or management with us).

Third Party Service Provider Quotes

Certain portions of this Website may allow you to request a quote, services or information from one or more third parties (“ Service Providers”).  If you provide your personally identifiable information on the Website and request a quote, services or information from Service Providers (e.g., by clicking “Submit” or “get your quotes”) (a “Request”), we may share, loan, rent or sell your personally identifiable information to our affiliates,  Service Providers that we match with your Request, your current provider, or to other third parties that may match you with a Service Provider.  In addition, the Service Providers and such third may further disclose, share and use any personally identifiable information provided by you in connection with your Request.  If you make a Request, you expressly consent to such disclosure and use of your personally identifiable information.

If you do not want your personally identifiable information shared as described above, then you should not submit a Request. 

Choices About How We Use and Disclose Your Information

Below are some mechanisms that provide you with control over certain information:

  • Cookies: If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of this Website may then be inaccessible or may not function properly.
  • Email Offers from Us: If you do not wish to receive email offers or newsletters from us, you can opt-out of receiving email information from us by using the unsubscribe process at the bottom of the email.

Business Transfers

At some point, we may merge with or be acquired by another company. When that happens, then we may disclose to them the information you have provided to us, in which case we will request them to abide by this policy. We may also disclose some information to a potential acquirer, although such disclosure would be subject to restrictions on use. We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer your personally identifiable information collected through this Website, and any of its databases, together with any personally identifiable information contained in such data bases, to third parties in connection with a Business Transfer.  A “Business Transfer” means a sale, acquisition, merger, consolidation, reorganization, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business.

Advertising

From time to time, we may participate in or use advertising networks, such as third party advertising servers, advertising agencies, technology vendors and research firms.  We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as “online behavioral advertising.”

Third Party Website Links

This Website may contain links to third party websites. Our Privacy Policy does not apply to these linked websites. In addition, we do not endorse and are not responsible for the privacy practices or content of any of the linked websites. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties or third-party websites. These third-party websites may send their own cookies to you and independently collect data.  If you visit a Website that is linked from this Website or our emails, we encourage you to read any privacy statements and terms and conditions of that third party’s website before providing any personally identifiable information.

Security

We maintain physical, electronic, and procedural safeguards to maintain the confidentiality, security, and integrity of visitors’ personally identifiable information.

We allow access to personally identifiable information only to persons and entities engaging in activities permitted by this Privacy Policy.

Although we strive to maintain the highest standards of privacy, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. We cannot guarantee or warrant the security of any information visitors transmit to us and visitors do so at their own risk.

Changes

We reserve the right to revise or change the terms of this Privacy Policy in the future to reflect modifications to our Website. To ensure that visitors are aware of our current privacy practices, we recommend that they check this Website periodically.

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