Mortgage Bankers Association of North Eastern New York ("MBA OF NENY" or "we") knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This statement describes our privacy policy. By visiting mbaneny.com, you are accepting the practices described in this Privacy Statement.
MBA OF NENY collects information from our users at several different points on this web site:
Users to the public areas of the MBA OF NENY web site browse anonymously. However, the MBA OF NENY web server does collect aggregate data, such as number of access attempts by page.
MBA OF NENY may collect information ("Personal Information") from you before allowing access to certain resources and personalization features on the site, or to order products and services. Generally, when Personal Information is collected, it is used by MBA OF NENY to improve web content; to respond to visitors' interests, needs and preferences; and to develop new products and services. MBA OF NENY does not share Personal Information with any third parties except that MBA OF NENY may share such information with its subsidiaries and affiliated organizations. Third party vendors providing services in connection with this web site may have access to Personal Information. It is MBA OF NENY’s policy to require such vendors to hold Personal Information in strict confidence.
Cookies
Cookies are files that contain information created by a web server that can be stored on your machine for use either during a particular session ("session" cookie) or for future use ("persistent" cookie). MBA OF NENY uses both session and persistent cookies to facilitate, track and limit automated activity, and to assist in the collection of site visitation statistics. Cookies are not used to disseminate significant information about users over the Internet. If you decline the attachment of any cookie, you may not have access to the full benefits of the web site.
Log Files
Like most standard web site servers we use log files. This includes internet
protocol (IP) addresses, browser type, internet service provider (ISP),
referring/exit pages, platform type, date/time stamp, and number of clicks to
analyze trends, administer the site, track user’s movement in the aggregate, and
gather broad demographic information for aggregate use. IP addresses, etc. are
not linked to personally identifiable information.
Links
This web site contains links to other sites. Please be aware that MBA OF
NENY is not responsible for the privacy practices of such other sites. We
encourage our users to be aware when they leave our site and to read the privacy
statements of each and every web site that collects personally identifiable
information. This privacy statement applies solely to information collected by
this web site.
Sharing
LEGAL DISCLAIMER: ALTHOUGH WE MAKE EVERY EFFORT TO PRESERVE USER PRIVACY, WE
MAY NEED TO DISCLOSE PERSONAL INFORMATION WHEN (I) REQUIRED BY LAW WHEREIN WE
HAVE A GOOD-FAITH BELIEF THAT SUCH ACTION IS NECESSARY TO COMPLY WITH A CURRENT
JUDICIAL PROCEEDING, A COURT ORDER OR LEGAL PROCESS SERVED ON OUR WEB SITE; OR
(II) NECESSARY TO PROTECT AND DEFEND THE RIGHTS OR PROPERTY OF MBA OF NENY OR
MBA OF NENY AFFILIATES, INCLUDING THEIR WEB SITES. EXCEPT AS EXPRESSLY STATED IN
THIS PRIVACY STATEMENT, IN NO OTHER CIRCUMSTANCES DO WE SHARE ANY PERSONAL
INFORMATION WITH ANY PARTNERS, SERVICE PROVIDERS OR OTHER THIRD PARTIES. WE MAY
HOWEVER SHARE AGGREGATE DATA WITH THIRD PARTIES WHERE SUCH DISCLOSURE DOES NOT
ENTAIL THE DISCLOSURE OF ANY PERSONALLY-IDENTIFIABLE INFORMATION.
Security
This web site takes commercially reasonable precautions to protect our
users' information. All information entered by a user on the site is encrypted
and is protected with SSL encryption software. All purchase transactions that
occur on our store are transmitted via an SSL secure server with a digital
certificate of authentication from Thawte. We do not store credit card numbers
of any sort in our online store for security purposes.
If users have any questions about the security at our web site, users can send an email to mbaneny@nycap.rr.com.
Opting out and Correcting Personal
Information
If a user's personally identifiable information changes (such as zip code,
phone, email or postal address), or if a user no longer desires our service,
email our Customer Support at mbaneny@nycap.rr.com.
Notification of Changes
If we decide to change our privacy policy, we will post those changes to this
Privacy Statement, the homepage, and other places we deem appropriate so our
users are always aware of what information we collect, how we use it, and under
what circumstances, if any, we disclose it. We will use information in
accordance with the privacy policy under which the information was collected.
If, however, we are going to use users’ Personal Information in a manner different from that stated at the time of collection we will notify users via email. Users will have a choice as to whether or not we use their Personal Information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their Personal Information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post a notice we will also email users who have opted to receive communications from us, notifying them of the changes in our privacy practices.
Contact Information
If users have any questions or suggestions regarding our privacy policy, please
contact us at:
MBA of
NENY
P.O. Box 3242
Albany, New York 12203
518-421-0134
MBANENY@nycap.rr.com