- Who we are
- Information we may collect on a Top-Lenders Web site
- How your information is used
- Altering the information you submit through a Top-Lenders Web site
Who We Are
Top-Lenders is the leading online mortgage shopping engine that connects consumers to lenders that compete for their business across a variety of loan types. There are more than 4000 participating banks, lenders and loan professionals in the Top-Lenders network. Top-Lenders also matches your request to nationwide wholesale lenders providing on-line pre-qualification quotes to consumers and loan professionals. When you visit a Top-Lenders Web site to request a loan, you will complete one simple loan pre-qualification form. Based on the information you supply, Top-Lenders transmits your data to wholesale lenders online pre-qualification systems and returns quotes from lenders who are best suited to meet your financial needs. Top-Lenders also uses it’s own databases to estimate your loan rates and closing costs. Top-Lenders is not a lender but a mortgage shopping search engine designed to help you to compare mortgage quotes from banks and lenders.
Information We Collect
There are several areas on a Top-Lenders Web site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating Lenders, mortgage professionals, credit counselors or other parties involved in your transaction, or as may be required by law or court order. When you come to a Top-Lenders web site to compare mortgage programs you are not asked to provide any personal information. Your loan request is being processed anonymously. When you save your loan request you’ll need to provide your e-mail address which will be stored along with data you entered into your mortgage pre-qualification form.
When you request mortgage professional help, along with your loan pre-qualification form you'll need to provide personal information such as your name, phone number, e-mail address, income.
Technical information we collect
When you visit a Top-Lenders Web site, our Web server sends a cookie to your computer. This cookie stores a limited amount of information about your site visit. On-line advertisements for Top-Lenders may also have cookies served by third parties. The cookie merely tracks aggregate information on how the advertisement and our site are being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, email address, phone number, etc. as you browse the site. These cookies cannot be related to you as an individual unless you save your loan requests or require mortgage professional help. We store your cookie identification in our system. If you request that we remember you during a loan request, we use this cookie to allow our site to recognize you when you return. Top-Lenders also utilizes Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including the number of visitors to our site, operating systems, Internet Provider addresses (if publicly available), and browser type. Unlike cookies, Web Logs are maintained only on Top-Lenders servers and do not store or place anything on the user's computer.
If you come to the Top-Lenders web site from an online ad or a banner, an anonymous identification number may be passed to our site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising campaigns. Our partners in this program are listed below, along with links to their sites to access privacy policies and opt-out information.
How Your Information Is Used
Sharing information with our participating lenders, mortgage loan professionals and credit counselors. After participating lenders, mortgage loan professionals and/or credit counselors receive your information, they may contact you directly via phone, e-mail or other communications. As our Lenders and credit counselors may keep and use your information whether or not you qualify for a transaction with them, we recommend that you contact them directly for more information about their specific privacy policies.
From time to time, Top-Lenders may notify you about interest rates updates, loan products and loan offers from our partners. Top-Lenders will not send you any information or offers unrelated to your request for financing. If you do not wish to receive any of these offers, please visit our subscription area where you can remove yourself from our mailing list.
Altering Information You Submit Through a Top-Lenders Web Site
Changing your information
If you have your loan information saved, you can log in order to adjust your loan parameters, however if you want to change the type of loan or make other significant changes to your loan request, you might need to make another request through our Web site. If you wish to change your subscriptions to Top-Lenders emails, you can visit our subscription page.
Deleting your information
Even if your loan request was withdrawn, by law, we cannot delete that information. We store all of the information you might provide securely. You can visit our Security section to learn more about how we do this.
PLEASE PRINT AND RETAIN A COPY OF THIS POLICY FOR YOUR RECORDS.