Privacy Policy

PRIVACY POLICY INTRODUCTION: 

Innovative Mortgage Alliance LLC respects your privacy and is committed to protecting it through our  compliance with this Privacy Policy and Statement. 

The policy describes the types of information we may collect from you or that you may provide when  you visit our website found at InnovativeRates.com and our practices for collecting, using, maintaining,  protecting and disclosing that information. 

WE ACQUIRE INFORMATION: 

  • On our Website: Innovativerates.com 
  • In email, text and other electronic messages between you and Innovative Mortgage Alliance LLC. 
  • When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to our website and this policy. 

WE UTILIZE SEVERAL TYPES OF INFORMATION FROM AND ABOUT USERS OF OUR WEBSITE TO  OPERATE OUR BUSINESS, INCLUDING INFORMATION: 

By which they may be personally identified such as name, address, email address or telephone number. 

Users of our website are not individually identified, but usage is tracked via an anonymous user id  selected by the user following the user’s registration with the site, which requires verification of the  user’s email address and phone number for email and/or text updates. 

We acquire details about your internet connection, the equipment you use to access our website and  usage details. 

THIS INFORMATION IS SUPPLIED: 

Directly from you when you provide it to us as you navigate through the site. Information collected  automatically may include usage details, IP addresses and information collected through cookies, web  beacons, and/or other tracking technologies. 

From third parties, for example, or business partners. 

THE INFORMATION WE ACQUIRE THROUGH OUR WEBSITE MAY INCLUDE: 

Information that you provide by filling in forms on our Website. This includes information provided at  the time of registering to use our Website, subscribing to our service, posting material, or requesting  further services. We may also ask you for information when you report a problem with our Website. 

  • Records and copies of your correspondence (including email addresses) if you contact us.

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  • Your responses to surveys that we might ask you to complete for research purposes. 
  • Details of transactions you carry out through our Website and of the fulfillment of your orders.  You may be required to provide financial information before placing an order through our  Website. 
  • Your search queries on the Website. 
  • The frequency and characteristics of your usage to identify widely utilized features of the site. 

You also may provide information to be published or displayed on public areas of the Website or  transmitted to other users of the Website or third parties. Your User Contributions are posted on and  transmitted to others at your own risk. Although we limit access to certain pages, please be aware that  no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other  users of the Website with whom you may choose to share your User Contributions. Therefore, we  cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons. 

COPPA Notice: In compliance with the Children's Online Privacy Protection Act (COPPA), our website is not intended to be used by children. We do not intentionally collect personal information from children  under 13 without permission from their parent or legal guardians. For more information about this act, please refer to the FTC's website at https://www.ftc.gov/tips-advice/business-center/privacy-and security/children%27s-privacy 

WE ALSO COLLECT: 

Usage details, IP addresses, cookies and other technologies. as you navigate through and interact with  our website, we may automatically collect certain information about your equipment, browsing actions  and patterns, including: 

  • Details of your visits to our Website, including traffic data, location data, logs and other  communication data and the resources that you access and use on the Website. 
  • Information about your computer and internet connection, including your IP address, operating  system and browser type. 
  • The information we collect automatically is statistical data and does not identify any individual.  It helps us to improve our Website and to deliver a better and more personalized service by  enabling us to: 
  • Estimate our audience size and usage patterns. 
  • Store information about your preferences, allowing us to customize our Website according to  your individual interests. 
  • Speed up your searches. 
  • Recognize you when you return to our Website.

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THE TECHNOLOGIES WE USE FOR THIS AUTOMATIC DATA COLLECTION MAY INCLUDE: 

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You  may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if  you select this setting you may be unable to access certain parts of our Website. Unless you have  adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you  direct your browser to our Website. 

Web Beacons. Pages on our Website and our emails may contain small electronic files known as web  beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for  example, to count users who have visited those pages or opened an email and for other related website  statistics (for example, recording the popularity of certain website content and verifying system and  server integrity). 

THIRD-PARTY ADVERTISER USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES: 

Some advertisements on the Website are served by third-party advertisers, ad networks and ad servers.  These third parties may use cookies alone or in conjunction with web beacons or other tracking  technologies to collect information about our users. This may include information about users’ behavior  on this and other websites to serve them interested-based (behavioral) advertising. We do not control  these third parties’ tracking technologies or how they may be used. If you have any questions about an  advertisement, you should contact the responsible advertiser directly. For information about how you  can opt out of receiving targeted advertising from many providers, see Choices About How We Use and  Disclose Your Information. 

WE DO NOT TRACK: 

Innovative Mortgage Alliance does not track its online visitors over time and across third party websites  to provide targeted advertising and therefore does not respond to the Do Not Track (DNT) signals.  However, some third-party sites do keep track of your browsing activities when they serve you content,  which enables them to tailor what they present to you. If you are visiting such sites, most browsers will  allow you to set the DNT signal on your browser so that third parties (particularly advertisers) know you  do not want to be tracked. 

HOW WE USE YOUR INFORMATION 

We use information that we collect about you or that you provide to us, including any personal  information: 

  • To present our Website and its contents to you. 
  • To provide you with information, products or services that you request from us. • To fulfill any other purpose for which you provide it. 
  • To carry out our obligations and enforce our rights arising from any contracts entered between  you and us, including for billing and collection.

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  • To notify you about changes to our Website or any products or services we offer or provide  though it. 
  • To allow you to participate in interactive features on our Website. 
  • In any other way we may describe when you provide the information. 
  • For any other purpose with your consent. 

DISCLOSURE OF YOUR INFORMATION

 

We may disclose anonymous aggregated information about our users, and information that does not  identify any individual, without restriction. 

We may disclose personal information that we collect, or you provide as described in this privacy  policy: 

  • To our subsidiaries and affiliates. 
  • To a buyer or other successor in the event of a merger, divestiture, restructuring,  reorganization, dissolution or other sale or transfer of some or all of company assets, whether  as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal  information held by our company about our Website users is among the assets transferred. 
  • To fulfill the purpose for which you provide it. For example, if you give us an email address to  use the “email a friend” feature of our Website, we may transmit the contents of that email and  your email address to the recipients. 
  • For any other purpose disclosed by us when you provide the information. 
  • With your consent. 

WE MAY ALSO DISCLOSE YOUR PERSONAL INFORMATION: 

  • To comply with any court order, law or legal process, including to respond to any government or  regulatory request. 
  • To enforce or apply our Terms & Conditions and other agreements, including for billing and  collection purposes. 

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

WE STRIVE TO PROVIDE YOU WITH CHOICES REGARDING THE PERSONAL INFORMATION YOU PROVIDE  TO US. WE HAVE CREATED MECHANISMS TO PROVIDE YOU WITH THE FOLLOWING CONTROL OVER  YOUR INFORMATION: 

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies,  or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings,  visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that  some parts of this site may then be inaccessible or not function properly.

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Disclosure of Your Information for Third-Party Advertising. We do not share your information for third party advertising.  

ACCESSING AND CORRECTING YOUR INFORMATION 

You can review and change your personal information by logging into the Website and visiting your  account profile page. 

You may also send us an email at the email below to request access to, correct or delete any personal  information that you have provided to us. We cannot delete your personal information except by also  deleting your user account. We may not accommodate a request to change information if we believe  the change would violate any law or legal requirement or cause the information to be incorrect. 

If you delete your User Contributions from the Website, copies of your User Contributions may remain  viewable in cached and archived pages or might have been copied or stored by other Website users.  Proper access and use of information provided on the Website, including User Contributions, is  governed by our Terms & Conditions. 

YOUR CALIFORNIA PRIVACY RIGHTS 

California Civil Code Section § 1798.83 permits users of our Website that are California residents to  request certain information regarding our disclosure of personal information to third parties for their  direct marketing purposes. To make such a request, please send an email to the email listed at the  bottom of this page. 

DATA SECURITY 

We have implemented measures designed to secure your personal information from accidental loss and  from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on  our secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology. 

The safety and security of your information also depends on you. Where we have given you (or where  you have chosen) a password for access to certain parts of our Website, you are responsible for keeping  this password confidential. We ask you not to share your password with anyone. We urge you to be  careful about giving out information in public areas of the Website like message boards. The information  you share in public areas may be viewed by any user of the Website. 

Unfortunately, the transmission of information via the internet is not completely secure. Although we  do our best to protect your personal information, we cannot guarantee the security of your personal  information transmitted to our Website. Any transmission of personal information is at your own risk.  We are not responsible for circumvention of any privacy settings or security measures contained on the  Website. 

CHANGES TO OUR PRIVACY POLICY 

This policy may change from time to time. Your continued use of this Website after we make changes is  deemed to be acceptance of those changes, so feel free to check the policy periodically for updates.

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It is our policy to post any changes we make to our privacy policy on this page. If we make material  changes to how we treat our users’ personal information, we will notify you by email to the primary  email address specified in your account and/or through a notice on the Website home page. The date  the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring  we have an up-to-date active and deliverable email address for you, and for periodically visiting our  Website and this privacy policy to check for any changes. 

Of course, if you do not agree with our policies and practices, your choice may be not to use our  Website. By accessing or using this Website, you agree to this privacy policy. 

CONTACT INFORMATION 

To ask questions or comment about this privacy policy and our privacy practices, contact us at: INNOVATIVE MORTGAGE ALLIANCE, LLC 

Headquarter Office: 

12401 S. 450 East Suite F2 

Draper, UT 84020 

Phone: (801) 352-4030 

Email: info@innovativerates.com

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Innovative Mortgage Alliance, LLC – Privacy Disclosure

IMA Privacy Disclosure Page 1 of 2 Rev. 08/2020

IMA Privacy Disclosure Page 2 of 2 Rev. 08/2020