Privacy Policy

Mortgage Policy Advisors, LLC ("MPA," "we,” “us” or “our”) 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 (this "Privacy Policy"). By accessing and using mpadvisorsgroup.com and its affiliated Web Sites operated by MPA (the "Web Site"), you acknowledge that you have read, understand and consent to this Privacy Policy. We may update this Privacy Policy at any time as we deem appropriate. You periodically should check back and make sure that you have reviewed the most current version of this Privacy Policy.

In some instances, we may post or provide additional materials that provide further description of privacy practices related to certain MPA web pages, affiliated Web Sites, products and services. Such materials are supplemental to and should not be construed as modifying this Privacy Policy. 

What Information Do We Gather and How Is It Used?

MPA collects information from our visitors and members at several different points on the Web Site. Visitors to the public areas of the Web Site browse anonymously. However, the MPA web server does collect aggregate data, such as number of access attempts by page. MPA also may collect information from you before allowing access to certain resources and personalization features on the Web Site, or to order products and services ("Personal Information").

"Personal Information" refers to data that could be used, alone or in combination with other data, to identify you as an individual. The types of Personal Information you may provide include contact information (such as name, email address, mailing address, and phone number and used by MPA to (i) improve web content, (ii) respond to visitors' interests, needs and preferences and for marketing purposes, (iii) develop new products and services, and (iv) provide various services to visitors to the Web Site and administer their interactions with MPA.  MPA may share Personal Information on a limited basis with its affiliated organizations as well as with a select group of affinity partners and other third parties. Also, third-party vendors providing services in connection with the Web Site or MPA products and services may have access to Personal Information. It is MPA’ policy to require such vendors to hold Personal Information in confidence. 

Cookies and Web Beacons

Cookies are files that contain information created by a Web server that can be stored on your device for use either during a particular session ("session" cookie) or for future use ("persistent" cookie). MPA uses both session and persistent cookies to facilitate, track and limit automated activity, and to assist in the collection of site visitation statistics. We also use cookies to authenticate users, to validate membership prior to providing access to member-only resources and to provide a seamless experience across our systems as to not require additional logins. If you prefer not to accept cookies, you can set your Internet browser to notify you when cookies are received or to prevent cookies from being placed on your device. If you consent to our collection of cookies and you subsequently wish to withdraw your consent, you will need to manage the settings on your web browser to delete all cookies and disallow further acceptance of cookies. Please note that disabling cookies on your browser will prevent us from tracking your activities on the Web Site and may also disable some of the functions and features of the Web Site and prevent it from working properly. 

Email Marketing

Our email remarketing platform uses cookies and other technologies to analyze trends, track users' movements on the Web Site and other related Web Sites, gather demographic information about our user base as a whole and collect information about your browsing habits in order to make our email advertising relevant to you and your interests. You may subscribe to receive emails from us. You can also unsubscribe from our emails by clicking the "unsubscribe" link at the bottom of any of our broadcast email messages. 

Links

The Web Site contains links to other Web Sites. Please be aware that MBA is not responsible for the privacy practices of any other Web Sites. We encourage you to be aware when you leave our Web Site and to read the privacy statements of any other Web Sites that you visit. This Privacy Policy applies solely to information collected by the Web Site, and we are not responsible for the content of, privacy practices of or use by any Web Sites that are not operated by MPA. 

Sharing

LEGAL DISCLAIMER: ALTHOUGH WE MAKE EVERY EFFORT TO PRESERVE YOUR 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 US; OR (ii) NECESSARY TO PROTECT AND DEFEND THE RIGHTS OR PROPERTY OF MPA OR MPA AFFILIATES, INCLUDING THEIR WEB SITES. MPA DOES NOT SHARE PERSONAL INFORMATION WITH THIRD PARTIES EXCEPT AS STATED IN THIS PRIVACY POLICY. IN ADDITION, WE MAY SHARE AGGREGATE DATA WITH THIRD PARTIES WHERE SUCH DISCLOSURE DOES NOT ENTAIL THE DISCLOSURE OF ANY PERSONALLY-IDENTIFIABLE INFORMATION. 

Handling of Do Not Track Signals

California law requires us to inform you how the Web Site responds to Do Not Track ("DNT") signals from your web browser. We do not respond to DNT signals at this time because currently there is no industry standard for recognizing or responding to DNT signals.

Business Transitions

In the event MPA goes through a business transition, such as a merger or selling a significant portion of its assets, users' Personal Information will, in most instances, be part of the assets transferred. You will be notified via email and prominent notice will be posted on the Web Site for 30 days prior to a change of ownership or control of Personal Information. If as a result of the business transition Personal Information will be used in a different manner, this Privacy Policy will be updated and should be reviewed.

Security

We take commercially reasonable precautions to protect our users' information. All information entered by you on the Web Site is processed and stored in accordance with the security protocols of he service providers we use to process and store that data, as follows: Squarespace, Inc., Moosend and Google LLC. If you have any questions about the security at the Web Site, you can send an email to  smicklos@mpadvisorsgroup.com.

Opting Out and Correcting Personal Information

If your Personal Information changes (such as phone, email or postal address) or if you no longer desire to access or use our services, email our Customer Support at smicklos@mpadvisorsgroup.com.  

Retention of Personal Information

We will keep your Personal Information for the minimum period necessary for the purposes set out in this Privacy Policy, namely (a) for as long as you are a user of our Web Site and related services, (b) for as long as your Personal Information is needed in connection with the lawful purposes set out in this Privacy Policy, for which we have a valid legal basis, or (c) for as long as is reasonably necessary for business purposes related to provision of the Web Site and related services, such as internal reporting purposes or to provide you with feedback or information you might request. In addition, if any relevant legal claims are brought, we may continue to process your Personal Information for such additional periods as are necessary in connection with that claim. Once the above mentioned periods, each to the extent applicable, have concluded, we will either permanently delete, destroy or de-identify the relevant Personal Information so that it can no longer reasonably be tied to you. 

Residents of the European Union/European Economic Area

If you are in the European Union ("EU") or the European Economic Area ("EEA"), the following additional disclosures apply: (a) MBA acts as the Controller of your Personal Information, (b) when we process your Personal Information, we will only do so in the following situations:  (i) we need to use your Personal Information to perform our responsibilities under our obligations with you (e.g., processing payments); (ii) we have a legitimate interest in processing your Personal Information (for example, we have a legitimate interest in processing your Personal Information to provide, improve and secure our Website and services and in communicating with you about our Web Site and services; (iii) we have your consent to do so; or (iv) we need to process your Personal Information to comply with our legal obligations. You may contact us to submit a request to exercise your rights in Personal Information (see Contact Information below).  If you initially consented to our processing of your Personal Information, you may contact us to withdraw your consent.  If you are an EU/EEA resident and have a concern about our practices concerning the processing of Personal Information that we are not able to resolve, you have the right to lodge a complaint with the data protection authority where you reside or in which you work, or in which the alleged infringement occurred.   You may have the right to: (a) request confirmation of whether we are processing your Personal Information; (b) obtain access to or a copy of your Personal Information; (c) receive a portable copy of your Personal Information, or ask us to send that information to another organization (the "right of data portability"); (d) seek correction or amendment of inaccurate, untrue, incomplete, or improperly processed Personal Information; (e) restrict our processing of your Personal Information; (f) object to our processing of your Personal Information; and (g) request erasure of Personal Information held about you by us, subject to certain exceptions prescribed by law.  If you would like to exercise any of these rights, please contact us as set forth below, Contact Information. We will process such requests in accordance with applicable laws. To protect your privacy, we may take steps to verify your identity before fulfilling your request.  For some requests and where permitted by law, an administrative fee may be charged.  We will advise you of any applicable fee prior to performing your request.

Data Transfers

MPA is headquartered in the United States and has operations and provides services in the United States. The Web Site and its related services may be accessed and used throughout the world, and data processing for some services offered by the Web Site occurs outside the U.S. As such, we and our service providers may transfer your Personal Information to, or store, process or access it in, jurisdictions that may not provide equivalent levels of data protection as your home jurisdiction. We will take steps to ensure that your Personal Information receives an adequate level of protection in the jurisdictions in which we store and process such information. 

Use of Web Site by Children

The Web Site is not targeted for use by children, i.e., people under sixteen years of age. We do not target any of our products or services or Web Site content and features for use by children.

Notification of Changes

If we decide to change our policies regarding privacy, we will post those changes to this Privacy Policy and on other web pages we deem appropriate so you 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 you do not wish to have your Personal Information used as described in this Privacy Policy, you should email MPA at the email address indicated below.

Contact Information

If you have any questions or suggestions regarding this Privacy Policy, please contact us at: Phone: (202) 746-4450

Email: smicklos@mpadvisorsgroup.com 

Postal Address:

Mortgage Policy Advisors LLC

One Thomas Circle NW Suite #700 Washington, D.C. 20005

Miscellaneous

MPA may modify this Privacy Policy from time to time.

 If at any time you believe MPA has not adhered to this Privacy Policy, please notify us and we will use commercially reasonable efforts to promptly identify, diagnose and correct the problem, if any. This is MPA’ sole obligation and your sole remedy for MPA’ breach of this Privacy Policy. You may reach us by email at smicklos@mpadvisorsgroup.com or by mail at Mortgage Policy Advisors LLC, One Thomas Circle, NW Suite #700, Washington, D.C. 20005