By visiting, using and/or submitting information to www.valleywestmortgage.com, you are accepting the practices described in this Privacy Policy. This Privacy Policy applies to your access and use of the Internet Web sites owned and operated by Valley West Mortgage and its affiliates, including, but not limited, to the Web site located at URL www.valleywestmortgage.com (“www.valleywestmortgage.com”).
Valleywestmortgage.com is owned and operated by Valley West Corporation dba. Valley West Mortgage, a Nevada corporation (“Valley West Mortgage”). Valley West Mortgage takes your privacy seriously, and has published this Privacy Policy
to explain how Valley West Mortgage treats all information you may submit to www.valleywestmortgage.com.
Collection of Personally Identifiable Information
Many of the features of www.valleywestmortgage.com are available to you without requiring you to provide personally identifiable information. The following are certain situations in which Valley West Mortgage may collect personally identifiable information from you.
Registration for Newsletters
Valley West Mortgage collects personally identifiable information from you if you register online for one of Valley West Mortgage’s newsletters. When you register online with Valley West Mortgage, Valley West Mortgage asks for personally identifiable information such as your name, e-mail address, birth date, gender, ZIP code, occupation, industry, personal interests and other demographic information.
Usage of Forums, Click2Call, LiveChat
If you choose to transmit, submit or post information through Valley West Mortgage’s chat rooms, bulletin boards or other forums (the “Forums”), Valley West Mortgage will collect that information you provide. Valley West Mortgage retains this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law and pursuant to Valley West Mortgage’s Terms of Use.
Correspondence
If you send Valley West Mortgage personal correspondence, such as e-mails or letters, or if other users or third parties send Valley West Mortgage correspondence about your activities or postings on www.valleywestmortgage.com, Valley West Mortgage may choose to collect such information into a file specific to you.
Business Partners
Valley West Mortgage may receive your personally identifiable information from one of Valley West Mortgage’s business partners.
Use of Personally Identifiable Information
Valley West Mortgage uses your personally identifiable information to improve and customize the advertising and content you see on Valley West Mortgage’s Web sites, to fulfill your requests for certain products and services, and, if you permit Valley West Mortgage or Valley West Mortgage’s affiliates, to contact you about special offers and new products. Your personally identifiable information may also be aggregated and used by Valley West Mortgage for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity, to enforce Valley West Mortgage’s Terms of Use, for other internal purposes, and as otherwise described to you at the time of collection. Valley West Mortgage will obtain your consent for any use of your personally identifiable information beyond the original uses for which you provided your consent.
You agree that Valley West Mortgage may use personal information about you to improve Valley West Mortgage’s marketing and promotional efforts, analyze site usage, improve Valley West Mortgage’s content and product offerings, customize www.valleywestmortgage.com’s content, layout and services, and as otherwise set forth in this Privacy Policy. You also agree that Valley West Mortgage may use your personal information to contact you and deliver information to you that, may be targeted to your interests, such as banner advertisements, administrative notices, product offerings, and communications correlative, or relevant to your use of www.valleywestmortgage.com. By accepting the Terms of Use and this Privacy Policy, you expressly agree to receive this information. If you do not wish to receive these communications, Valley West Mortgage encourages you to opt out of the receipt of certain communications, as set forth below.
Disclosure of Personally Identifiable Information
Unless you are entering one of Valley West Mortgage’s sweepstakes, Valley West Mortgage does not share, loan, rent or sell your personally identifiable information. However, the following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business to provide Valley West Mortgage’s services:
Advertisers
Valley West Mortgage may aggregate personally identifiable information and disclose such information in a non personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, in these situations, Valley West Mortgage does not disclose to these entities any information that could be used to identify you personally. Certain information, such as your name, e-mail address, password, credit-card number and bank account number, are not disclosed to these third parties in a personally identifiable manner without your explicit consent.
External Service Providers
There are a number of separate services offered by third parties that Valley West Mortgage refers to as external service providers that may be complementary to your use of www.valleywestmortgage.com (e.g. realtors, mortgage brokers, lenders, financial institutions, credit card issuers, information aggregators). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy.
Valley West Mortgage does not disclose your personally identifiable information to external service providers unless you provide your explicit consent. With your consent, Valley West Mortgage may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent Valley West Mortgage’s disclosure of your personally identifiable information to an external service provider, you can decline
such consent or simply not use their services. Because Valley West Mortgage does not control the privacy practices of these third parties, you should evaluate their practices before deciding to use their services.
Internal Service Providers
Valley West Mortgage may use third parties that Valley West Mortgage refers to as “internal-service providers” to facilitate or outsource one or more aspects of Valley West Mortgage’s business, product and service operations that Valley West Mortgage provides to you (e.g., technology, Forums, newsletters/alerts, analytic tools, advertising campaign management), and therefore Valley West Mortgage may provide some of your personal information directly to these internal service providers. These internal service providers are subject to confidentiality agreements with Valley West Mortgage and other legal restrictions that prohibit their use of the information Valley West Mortgage provides them for any other purpose except to facilitate the specific outsourced Valley West Mortgage-related operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the internal-service provider may collect information directly from you. In these cases, you will be notified of the involvement of the internal-service provider, and all additional information you provide them and their additional uses will be strictly up to you. If you provide additional information to an internal-service provider directly, then their use of your personally identifiable information is governed by their applicable privacy policy. Notwithstanding the foregoing, Valley West Mortgage reserves the right (and you authorize Valley West Mortgage) to share or disclose your personally identifiable information when Valley West Mortgage determines, in its sole discretion, that the disclosure of your personally identifiable information is necessary to identify, contact or bring legal action against you if:
- you are or may be violating this Privacy Policy or Valley West Mortgage’s Terms of Use;
- you are interfering with another’s rights or property, including, without limitation, Valley West Mortgage’s rights or property;
- you are violating any applicable law, rule or regulation;
- necessary or required by any applicable law, rule or regulation; and/or
- requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency.
Personally identifiable information and other personal information collected from you may also be transferred to a third party as a result of a sale, acquisition, merger, reorganization, other transfer or bankruptcy (a “Transfer”) involving Valley West Mortgage and/or its affiliates. Valley West Mortgage specifically reserves the right to transfer personally identifiable information collected from www.valleywestmortgage.com, and any of its databases, together with any personally identifiable information contained therein, to a third party in connection with a Transfer, and nothing in this Privacy Policy is intended to interfere with the ability of Valley West Mortgage to transfer all or part of its business and/or assets (including www.valleywestmortgage.com) to an affiliate or independent third party at any time, for any purpose, without any limitation whatsoever.
In addition, due to the existing regulatory environment, Valley West Mortgage cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), Valley West Mortgage may be forced to disclose personal information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, although Valley West Mortgage uses industry standard practices to protect your privacy, Valley West Mortgage does not promise, and you should not expect, that your personally identifiable information or private communications will always remain private.
NOTE: If you are submitting personally identifiable information pursuant to sweepstakes entry, Valley West Mortgage reserves the right to share, loan, rent and/or sell the personally identifiable information that you submit with its affiliates and other third parties. Please refer to the Official Rules and Privacy Policy for each individual sweepstakes for the specific guidelines regarding information sharing and disclosure.
Changes to Personally Identifiable Information
You may at any time request a copy of Valley West Mortgage’s record of your personally identifiable information, change your personally identifiable information or use preferences, or opt-out of Valley West Mortgage’s use of your personally identifiable information by contacting Valley West Mortgage via any of the methods set forth below:
Office Number : (702) 696-9900 or (888) 931-9444
Office Fax: (702) 436-2400
Address: 8010 W. Sahara Ave. Suite 140, LV, NV 89117
E-Mail: info@valleywestmortgage.com
Business Hours: Monday – Friday (8:30AM – 5:30PM)
Newsletters and CAN-SPAM Compliance
ValleyWestMortgage.com sends only verified, double-opt-in e-mail newsletters, specifically requested by Valley West Mortgage subscribers. Subscriptions to valleywestmortgage.com newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to Valley West Mortgage’s list. Valleywestmortgage.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.
Cookie Technology
“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Valley West Mortgage may set and access cookies on your computer to track and store preferential information about you. Valley West Mortgage gathers anonymous information about its users through cookie technology on an aggregate level only. Such aggregated information is used solely within Valley West Mortgage’s internal organization and is not shared with third parties.
Web Beacons
“Web beacons”, also called single-pixels (1×1) or clear GIFs, are electronic images that allow a Web site to access cookies and help track marketing campaigns and general usage patterns of visitors to those Web sites. Web beacons can recognize certain types of information, such as cookie numbers, time and date of a page view, and a description of the page where the Web beacon is placed. No personally identifiable information about you is shared with third parties through the use of Web beacons.
Internal Use of Web Beacons
Valley West Mortgage may use Web beacons internally to count users and recognize users through cookies. Access to cookies helps Valley West Mortgage personalize your experience when you visit valleywestmortgage.com.
Valley West Mortgage may include Web beacons in HTML-formatted e-mail messages that Valley West Mortgage or its affiliates or agents send. Including Web beacons in e-mail messages helps Valley West Mortgage determine your interest in and the effectiveness of such e-mails. (available extensions vwmtg.com and valleywestmortgage.com)
External Use of Web Beacons
Valley West Mortgage may also use Web beacons externally. For example, Valley West Mortgage may report aggregate information about Valley West Mortgage.com users, such as demographic and usage information, to its partners and other third parties. Valley West Mortgage may also include other company’s Web beacons within valleywestmortgage.com.
Security
Personally identifiable information you submit to Valley West Mortgage is password-protected for your privacy and security. In certain areas Valley West Mortgage uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises Valley West Mortgage security measures, Valley West Mortgage will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.
Links to Other Web Sites
www.valleywestmortgage.com may include links to other third party Web sites. Such links are not an endorsement by Valley West Mortgage of those Web sites and/or the products or services offered there. Third party Web sites may have different privacy policies and Valley West Mortgage is not responsible for the privacy practices of those third party Web sites. If you click on a link to a third party Web site, Valley West Mortgage encourages you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.
Access and Use of Website
www.valleywestmortgage.com is intended to be accessed and used only by adults and is not directed to children under the age of 18. Valley West Mortgage does not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18.
Changes to this Privacy Policy
Valley West Mortgage reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information Valley West Mortgage collects from you online is subject only to Valley West Mortgage’s most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. Your continued access and use of www.valleywestmortgage.com following the posting of any such changes shall automatically be deemed your acceptance of the same.
Questions or Concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to info@valleywestmortgage.com.
Governing Law|Arbitration
This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of Nevada, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of, or relating to, this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Las Vegas, Nevada. You and
Valley West Mortgage shall select the arbitrator, and if you and Valley West Mortgage are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator as a retainer for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Valley West Mortgage, and your and Valley West Mortgage’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Valley West Mortgage be entitled to punitive, special, indirect or consequential damages, and both you and Valley West Mortgage hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy. The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by Valley West Mortgage from time to time, shall survive your acceptance of this Privacy Policy.
This Privacy Policy and the Terms of Use represent the entire understanding and agreement between you and Valley West Mortgage regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.