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Understanding Points in Home Mortgages

Our Commitment To Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

The Information We Collect:
This notice applies to all information collected or submitted on the Home Refinance Empire website. On some pages, you can apply to receive rate quotes. The types of personal information collected at these pages are:
Name
Address
Email address
Phone number
(etc.)

The Way We Use Information:
Any information obtained by Home Refinance Empire, its authorized affiliates, lenders, brokers, successors and/or assigns will be used for the purpose of determining the eligibility of a loan applicant. Information obtained may be submitted to an authorized third party to determine credit worthiness and eligibility of a loan applicant.

Automatically Gathered Information.
Home Refinance Empire automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Home Refinance Empire web-site. Home Refinance Empire may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If you disable cookies on your browser, please note that some parts of our Home Refinance Empire site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Home Refinance Empire web-site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information.

How We Use Information.
We use Personally Identifiable Information for our own internal purposes including contacting you via email to inform you about updates to our services and providing you with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.
Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Limitation of Liability.
a. Neither Home Refinance Empire nor its parent, affiliates or subsidiaries are liable for any loss or damage caused by a visitor's reliance on: (1) any information or (2) any product or service obtained through this Site or a Linked Site. Visitors are responsible for assessing the accuracy and completeness of any information obtained from this Site or a Linked Site.

b. Neither Home Refinance Empire nor its parent, affiliates or subsidiaries are responsible or liable for any inaccuracies, errors or omissions in the Content or in the products or services offered on this Site or a Linked Site.
c. Neither Home Refinance Empire nor its parent, affiliates or subsidiaries are liable in any way for any indirect, special, punitive, consequential, or indirect damages in connection with the use of this Site or a Linked Site or with the delay or inability to use this Site or a Linked Site, whether or not Home Refinance Empire is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses or Trojan horses that may affect a Visitor's equipment, failure of any electronic or telephonic equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. Home Refinance Empire does not guarantee continuous, uninterrupted or secure access to this Site or a Linked Site.
d. By applying, this does not obligate Home Refinance Empire, its authorized affiliates, lenders, brokers, successors and/or assigns to make a loan to any applicant, nor does it imply an offer to lend or loan to any applicant.