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<div class="content"> <div style="margin-top:15px;" id="pagetitle">Terms of Use</div> <b>Last updated 5-14-2020</b> <p>Welcome to MBSQuoteline.com. Use of the MBSQuoteline mortgage market information service is subject to the terms and conditions of this Terms of Use Agreement ("Agreement").</p> <p><b>Please review the following terms and conditions carefully. <span style="font-size: 15px">SUBSCRIPTIONS TO MBSQUOTELINE ARE FOR YOUR INDIVIDUAL USE ONLY AND SHARING CONTENT WITH OTHERS IS STRICTLY PROHIBITED UNLESS EXPRESSLY ALLOWED OTHERWISE BY THIS AGREEMENT. SEE SECTIONS 2 AND 9 FOR MORE INFORMATION.</span> By using the web-based resources (the "Site"), the emailed and/or text messaged market updates and alerts (Updates), and/or the personalized weekly market summary (MortgageTime™), (collectively "Service(s)") you agree to comply with and be bound by the terms and conditions of this Agreement. If you do not agree to these terms and conditions, do not use the Services. You represent that you are at least 18 years of age and have attained the age of majority in the province, state or country in which you reside, and any information that you submit to MBSQuoteline is correct and complete. MBSQuoteline reserves the right to immediately terminate your access to the Services if, in its sole discretion, you violate this Agreement.</b></p> <p><b>1. Acceptance</b><br>You agree to the terms and conditions set forth in this Agreement. This Agreement is between you and Ress No. 1 Ltd., a Texas limited partnership d/b/a MBSQuoteline (collectively referred to as "we", "us" and/or "our(s)" in the Agreement), the owner of the Services. When using the Services, you will be subject to all applicable policies, rules and guidelines posted on the Site (collectively, the "Policies").</p> <p><b>2. Services</b><br>Services are available only through registration and the purchase of a subscription to the Services. These Services may be offered at no charge on a temporary basis at the discretion of MBSQuoteline during a Free Trial period.</p> <ol type="a"> <li>Each registration is for your personal use only. It is a violation of this Agreement for you to (a) share, via email, text message, or by any other method, the Updates with others, (b) allow any other person to access or use the Services with your name or password or, (c) access or use the Services under a single name or single password being made available to multiple users. You are responsible for maintaining the confidentiality of your user name, password and account information, and are fully responsible for all activities that occur under your password and account. See Section 9 below for permitted uses of Content.</li> <li>You agree that MBSQuoteline may terminate, modify or suspend the Services, or parts thereof, to you at any time for any or no reason. If any such termination, modification, or suspension occurs, a refund of paid subscription fees, if any, will be subject to the refund policy outlined in Section 4.</li> </ol> <p><b>3. Payment</b><br/> <ol type="a"> <li>You agree to pay in advance, using a valid credit card that MBSQuoteline accepts, or by check or ACH as agreed to by MBSQuoteline, the subscription fees as identified on the Site or such other fees as agreed to by MBSQuoteline, and all applicable taxes. MBSQuoteline reserves the right to increase the fees or to institute new fees at any time upon notice posted on the Site or via electronic communication. This Agreement will automatically renew on a monthly basis, or such other term as agreed to by both parties, unless either party has terminated this Agreement. Upon such renewal, MBSQuoteline will automatically charge your account for renewal of your subscription or will send an invoice for your payment by check or ACH. In the event we cannot charge your credit card, or you do not timely pay by check or ACH, we reserve the right to terminate your access to the Services.</li> <li>You may pay subscription fees monthly, quarterly, or annually as agreed to by us. All fees are considered earned when received by us.</li> </ol> </p> <p><b>4. Termination</b><br/> <ol type="a"> <li>Your subscription to the Services may be canceled at any time, without cause, by either you or us. If you wish to cancel you may contact us at support@mbsquoteline.com or 800-627-1077.</li> <li>If you cancel your service, you may be entitled to a refund of fees paid, subject to our refund policy as follows: <ol> <li>Monthly or quarterly subscriptions and renewals, no refund.</li> <li>Annual subscriptions and renewals, full refund if canceled within the first 15 days of the term, no refund if canceled after the first 15 days of the term.</li> </ol> <li>If you, in our sole discretion, violate any of the terms and conditions of this Agreement, we reserve the right to cancel your access to the Services and you will not be entitled to a refund of any fees paid.</li> </ol> </p> <p><b>5. Modifications to this Agreement and Services</b><br>MBSQuoteline reserves the right to modify, suspend or discontinue ("Change(s)") any features or Content (as defined in Section 13 below) of the Service at any time. Your continued use of the Services after the effective date of such Change constitutes your acceptance of and agreement to such Changes.</p> <p>MBSQuoteline may also impose limits on certain features and services or restrict your access to all or any portion of the Services at any time without notice or liability.</p> <p>We may modify this Agreement, in our sole discretion, at any time without notice, by posting such modifications to the Site. Your continued use of the Services after any modification constitutes your acceptance of, and agreement to, such Changes. You should review this Agreement prior to each time that you access the Site.</p> <p><b>6. Electronic Communications</b><br/> By registering for a subscription or free trial of our Services you are consenting to electronic communications with us. We may communicate with you via email, text messaging or by posting information on the Site. Updates will be sent via email and/or text message. If you prefer to not receive Updates via email and/or text message, you may stop receipt of them by making your selection on the Profile/Edit Delivery Preferences page of the Site, or by contacting us at support@mbsquoteline.com or 800-627-1077.</p> <p>We do not impose additional charges for sending text messages to you, however Message and Data rates may apply from your carrier. Successful delivery of text messages to you is dependent on successful transmission by your carrier and we are not responsible, nor liable, for undelivered text messages.</p> <p>Many factors that are out of our control can prevent successful and/or timely delivery of email. These include, but are not limited, to Internet Service Provider filters, spam filters, incorrect email addresses, and poor or no internet connections. We are not responsible, nor liable, for email communications to you that are not received or are delayed.</p> <p><b>7. Copyright</b><br> The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Services are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any content or part of the Services, except as allowed by Section 9 below, is strictly prohibited. Reproduction or storage of any Content in the Services, including, without limitation, text, graphics, button icons, logos, audio clips, images, digital downloads, documents, information, data compilations and software (collectively, the "Content") downloaded, accessed or retrieved from the Services is subject to the U.S. Copyright Act of 1976 and all applicable state, federal and international laws, treaties and conventions. All Content is copyrighted material of MBSQuoteline or any of its affiliates, vendors, contractors, agents or content providers. Except as expressly provided in this Agreement, MBSQuoteline and its affiliates, vendors, contractors, agents and content providers do not grant any express or implied rights or licenses under or related to any patents, copyrights, trademarks, trade secrets or other intellectual property rights. You will not acquire any ownership rights to any of the Content.</p> <p><b>8. Trademarks and Service Marks</b><br/> Any word, name, symbol or device bearing the symbol "TM", "SM" or "®" or any similar indication is a trademark or service mark of MBSQuoteline or any of its affiliates, vendors, contractors, agents or content providers, or any third party. No right or license related to any trademark or service mark is provided to you. Unauthorized use of any service mark or trademark appearing on the Site is strictly prohibited. </p> <p><b>9. Limited License; Permitted Uses</b><br> You are granted a limited, non-exclusive, non-transferable, non-assignable, revocable license (a) to access and use the Services, strictly in accordance with this Agreement; (b) to use the Services solely for internal, personal, non-commercial purposes; (c) to print out discrete information from the Services solely for internal, personal, non-commercial purposes; (d) to distribute certain Content through the "Share" feature, but only provided that no deletions or modifications are made to such Content, (e) to distribute to others, including to your customers, prospects, contacts and referral partners, as you choose, your personalized MortgageTime™, subject to making no changes to the content and preserving all copyright marks. </p> <p><b>10. Do Not Rely on Market Information</b><br> MBSQuoteline may make available to you through the Services a broad range of financial information that MBSQuoteline obtains from third party content providers. This includes, without limitation, financial market data, quotes, news, analyst opinions, and research reports (collectively, the "Market Information"). </p> <p>MBSQuoteline does not endorse or approve Market Information, and MBSQuoteline makes it available to you only as a service and convenience. MBSQuoteline and its third party content providers do not (a) guarantee the accuracy, timeliness, completeness or correct sequencing of Market Information, or (b) warrant any results from your use or reliance on Market Information. Market Information may be or may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither MBSQuoteline nor any third party content provider is obligated to update any information or opinions contained in any Market Information, and MBSQuoteline may discontinue offering Market Information at any time without notice. You agree that neither MBSQuoteline nor any third party content provider will be liable to you in any way for the termination, interruption, delay, or inaccuracy of any Market Information. Except as expressly provided in Section 6 above, you will not redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by MBSQuoteline to receive Market Information. The Market Information and all other Content are for personal informational and personal entertainment purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or endorsement, recommendations, or sponsorship of any company, investment or security by MBSQuoteline. You acknowledge and agree that any request for information is unsolicited and shall neither constitute nor be construed as investment advice by MBSQuoteline to you. You acknowledge and agree that any reliance upon the Market Information available through the Service is at your own sole risk. </p> <p><b>11. No Investment Advice or Recommendations</b><br> IT IS STRONGLY RECOMMENDED THAT YOU SEEK OUTSIDE ADVICE FROM A QUALIFIED SECURITIES PROFESSIONAL OR PROFESSIONAL FINANCIAL ADVISOR PRIOR TO MAKING ANY SECURITIES INVESTMENT. </p> <p>MBSQuoteline does not provide or guarantee any legal, tax, or accounting advice or advice regarding the suitability, profitability, or potential value of any particular investment, security, or informational source. Although the Services may provide information relating to investment approaches and opportunities to buy or sell securities or bonds, you should not construe any Market Information, features, tools or other Content or any Services as legal, tax, investment, financial or other advice. Nothing contained in the Services constitutes a solicitation, recommendation, endorsement, or offer by MBSQuoteline or a third party content provider to buy or sell any securities, bonds or other financial instruments.</p> <p>You should not base any investment decision upon any information obtained through the Services. You alone assume the sole responsibility for evaluating the merits and risks associated with any investment that you may make. In exchange for using the Services, you agree not to hold MBSQuoteline or any third party content provider liable for any possible claim or action for any costs, fees or damages arising from any decision you make based on information made available to you through the Services or, including without limitation, the Market Information and all other Content. </p> <p><b>12. No Linking to the Site without Prior Written Consent</b><br> You may not link to the Site without the prior written consent of MBSQuoteline. MBSQuoteline may refuse any request to allow links to the Site in its sole discretion. If MBSQuoteline grants you prior written consent to link to the Site, MBSQuoteline may withdraw such consent at any time.</p> <p><b>13. Errors, Corrections and Changes</b><br> MBSQuoteline does not represent or warrant that the Services will be error-free, free of viruses or other harmful components, or that defects will be corrected. MBSQuoteline does not represent or warrant that the Content available on or any content, materials or information available through the Services will be correct, accurate, timely or otherwise reliable. MBSQuoteline may make changes to the features, functionality or content of the Services at any time. MBSQuoteline reserves the right in its sole discretion to edit or delete any documents, information or other content appearing on the Site.</p> <p><b>14. INDEMNIFICATION</b><br><b> You agree to indemnify, defend and hold MBSQuoteline and its partners, agents, officers, directors, employees, subcontractors, successors, assigns, third party suppliers of information, content and documents, attorneys, advertisers, product and service providers, and affiliates (collectively, "Affiliated Parties") harmless from any liability, loss, claim and expense, including reasonable attorney fees, related to your violation of this Agreement or use of the Services.</b></p> <p><b>15. DISCLAIMER</b><br><b> YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED "AS-IS," "AS AVAILABLE," WITH "ALL FAULTS", AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. MBSQUOTELINE AND ITS AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF THE SERVICES OR OTHER SERVICES OR PRODUCTS AVAILABLE ON OR THROUGH THE SITE (INCLUDING WITHOUT LIMITATION, THROUGH ANY LINKING TO ANOTHER PARTY'S WEB SITE), EXCEPT AS PROVIDED IN SECTION 13(b) BELOW. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, MBSQUOTELINE AND ITS AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN MBSQUOTELINE AND YOU. THE SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MBSQUOTELINE, THROUGH THE SERVICES OR OTHERWISE SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.</b></p> <p><b>BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.</b></p> <p><b>16. LIMITATION OF LIABILITY</b></p> <ol> <li><b>MBSQUOTELINE AND EACH OF ITS AFFILIATED PARTIES SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING IN ANY WAY FROM (A) ANY DELAY IN, FAILURE IN PERFORMANCE, ERRORS IN OR OMISSIONS FROM THE SERVICES OR ANY SERVICES OR PRODUCTS OBTAINABLE THEREFROM, (B) THE UNAVAILABILITY OR INTERRUPTION OF THE SERVICES OR ANY FEATURES THEREOF, (C) YOUR USE OF THE SERVICES, (D) THE CONTENT CONTAINED ON THE SITE OR ANY INFORMATION OR CONTENT AVAILABLE THROUGH THE SERVICES, OR (E) ANY COMPUTER VIRUSES OR OTHER HARM TO COMPUTERS, SYSTEMS, SOFTWARE OR TELECOMMUNICATIONS.</b></li> <li><b>THE AGGREGATE LIABILITY OF MBSQUOTELINE AND THE AFFILIATED PARTIES IN CONNECTION WITH ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THE CONTENT, MARKET INFORMATION, OR OTHER SERVICES PROVIDED OR AVAILABLE ON OR THROUGH THE SERVICES SHALL NOT EXCEED $100 AND THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST MBSQUOTELINE AND ANY AND ALL AFFILIATED PARTIES.</b></li> </ol> <p><b>17. Governing Law</b><br/> This Agreement and all terms and conditions included or incorporated by reference herein shall be governed by and interpreted in accordance with the laws of the State of Texas applicable to agreements made and wholly performed therein. Customer hereby consents to the exclusive jurisdiction of the federal and state courts of competent jurisdiction located in Austin, Texas for the adjudication of any disputes arising out of or relating to this Agreement or Customer's access to or use of the Services. Customer hereby waives any objection to venue or inconvenient forum laid therein. </p> </div>
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<div class="content"> <div style="margin-top:15px;" id="pagetitle">Privacy Policy</div> <b>Last updated 9-23-2020</b> <ol> <li>Information We Collect<br/> a. Personal Data<br/> b. Non-Personal Data</li> <li>Use of Information</li> <li>How We Share Information</li> <li>Information Security</li> <li>Rights to Your Personal Data</li> <li>Information Retention</li> <li>Geographic Data Transfers</li> <li>Data Protection Officer</li> <li>Links to Third Party Sites</li> <li>Children’s Privacy</li> <li>Your California Privacy Rights</li> <li>Changes in the Privacy Policy</li> <li>How to Contact Us</li> </ol> <p><b>Introduction</b><br> Welcome to MBSQuoteline, a website available at www.mbsquoteline.com . The Site and related services are owned and operated by Ress No. 1, Ltd. We take your privacy seriously and have developed this Privacy Policy to inform you about how we collect information in the course of conducting our business, including on the Site, how we use the collected information, and your rights with respect to the collected information. </p><p> Please read this Privacy Policy carefully. If you do not agree to be bound by this Privacy Policy, then do not access or use the Site. By accessing and/or using the Services, you accept and agree to be bound by this Privacy Policy. This Privacy Policy is incorporated into MBSQuoteline’s <a href="/terms.php">Terms of Use</a>. Your use of our services and any Personal Data you provide through the Site are subject to this Privacy Policy at all times. </p><p> If you have any questions about this Privacy Policy, please contact us at support@mbsquoteline.com or 800-627-1077. </p> <p><b>1. Information We Collect</b><br> When you use the Site, we collect the following types of Information:<br/> a. Personal Data<br/> “Personal Data” means any information relating to an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as first and last name, mailing address, telephone number, payment information or email address. In the European Economic Area (“EEA”), Personal Data includes an identification number, location information, and/or an online identifier. <br/> b. Non-Personal Data<br/> Non-Personal Data does not identify you, but provides insights regarding your use of the Site. For example, we collect information about your use of the Site, including but not limited to the pages or features of the Site you browse, the time spent on those pages or features, and the frequency with which the Site is used by you. We use automated information collection tools [such as cookies and web beacons] to collect certain types of Non-Personal Data. You can set your browser to reject cookies, but that may limit your use of some convenience features on the Sites. For more information on cookies and how the Services use cookies, please see our <a href="cookie.php">Cookie Notification Policy</a>. <br/> You may be given the option to receive push notifications while using our Services. In order to serve push notifications, we may need to collect your IP address and a persistent identifier from your device. You can turn off push notifications in your device settings. </p><p> Personal Data and Non-Personal Data are collectively referenced as “Data.” </p> <p><b>2. Use of Information for Legitimate Interests</b><br> We use Data collected by clickstream information collection, web pixels, and cookies to store your preferences, improve website navigation, make personalized features and other services available to you, to generate statistical information, monitor and analyze user traffic and usage patterns, monitor and prevent fraud, investigate complaints and potential violations of our policies, to improve the our content and the products, services, materials, and other content that we describe or make available through the Site, and otherwise help administer and improve the Site. <ul> <li>to respond to your requests and provide user support</li> <li>to evaluate and improve the content of our Services</li> <li>to customize the Services to your preferences</li> <li>to establish accounts to use the Services</li> <li>to communicate information and promotional materials to you (where you have not expressed a preference otherwise)</li> <li>to check on your account status and maintain record of activities in connection with your use of the Site</li> <li>to notify you of any changes to relevant agreements or policies</li> <li>to enforce our agreements, terms, conditions, and policies</li> <li>to work with our service providers who perform certain business functions or services on our behalf and who are bound by contractual obligations consistent with this Privacy Policy</li> <li>to prevent or investigate fraud (or for risk management purposes)</li> <li>to comply with legal obligations, a court order, or in order to exercise our legal claims or to defend against legal claims</li> <li>to conduct aggregate or research analysis and develop business intelligence that helps us to enhance, operate, protect, make informed decisions and report on the performances of our Services</li> <li>to validate your username, e-mail, password, and/or other login credentials</li> <li>to respond to your requests</li> <li>to provide you with services you have requested</li> <li>to fulfill your subscription purchase(s)</li> <li>to notify you of contest or sweepstakes results</li> <li>to send e-mail and postal mail supplying the most recent service information or to send you information about an order (e.g., order confirmations, shipment notifications, etc.)</li> <li>to notify you of any changes to relevant agreements or policies</li> </ul> </p> <p> <i>Consent.</i> If you are a citizen of the EEA whose Personal Data we have collected (a “Data Subject”) and we have obtained your consent, we may also use your Data in the following ways; and, if you are a citizen of any other jurisdiction, you acknowledge that we may use your information in the following ways: <ul> <li>Share with corporate parents, subsidiaries, other affiliated entities, and associated entities.</li> <li>To send e-mail, text messages and/or postal mail to provide you with updates and news.</li> <li>To process any request you make.</li> <li>To process the commercial transaction for which you provided information.</li> </ul> <p> In addition, we may use third‐party e‐mail providers to deliver communications to you. This is an opt-in e-mail program. If you no longer want to receive these e-mail communications, you may opt-out of receiving e-mail communications through the “unsubscribe” link or by contacting us at support@mbsquoteline.com . </p><p> We may, from time to time, invite you to participate in online surveys. The information requested in these surveys may include, but is not limited to, your opinions, beliefs, insights, ideas, activities, experience, purchase history, and purchase intent regarding products, events, and Services. The information collected by these surveys is used to research market trends, company growth, community needs, etc. Your input will help us to improve customer experience and shape development of our products and Services. </p> <p><b>3. How We Share Information</b><br> We do not sell or rent Personal Data to marketers or unaffiliated third parties. We may share Personal Data with the following parties: <ul> <li>Corporate affiliates, including corporate parents, subsidiaries, other affiliated entities, and associated entities for the purposes described in this Policy which are required to treat the information in accordance with this Privacy Policy</li> <li>Service providers that help us administer and provide the Services (for example, a web hosting company whose services we use to host our platform). These third-party services providers have access to your Personal Data only for the purpose of performing services on our behalf. We have entered into contractual relationships with these service providers and require them to comply with all applicable information privacy laws and regulations and to use the Information only for the purposes for which it was disclosed. We require that any third-party service providers limit their use of your Information solely to providing services to us and that they maintain the confidentiality, security, and integrity of your Information and not make unauthorized use or disclosure of the Information. We have enabled Google Analytics to collect information about our traffic through the use of Google advertisements and other anonymous identifiers. We use Google Analytics cookies and other cookies to compile information to better understand users and provide users with a more tailored experience. You can opt out of Google Analytics by visiting Google’s Opt-Out Browser Add-on website <a href="https://tools.google.com/dlpage/gaoptout">here</a>.</li> <li>Authorized third parties, who are parties directly authorized by you to receive the applicable Information, such as when you authorize a third-party application provider to access your account. The use of your Personal Data by an authorized third party is subject to the third party’s privacy policy</li> <li>Third parties in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings), in which case we will require the recipient to use such information in accordance with this Privacy Policy </li> <li>As we believe necessary: (i) under applicable law; (ii) to enforce applicable terms and conditions; (iii) to protect our rights, privacy, safety or property, and/or that of our affiliates, you, or others; (iv) to detect, prevent, or otherwise address fraud, security or technical issues; (v) to respond to claims that contact information (e.g. name, e-mail address, etc.) of a third-party has been posted or transmitted without their consent or as a form of harassment and (vi) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence </li> <li>Pursuant to your express consent </li> </ul> </p> <p><b>4. Information Security</b><br> We take reasonable steps online and offline to safeguard the Personal Data that you provide to us, including: Secure Sockets Layer (SSL), encrypted connections (HTPPS) and industry-standard firewalls. </p><p> It is common knowledge that transmission of information via the internet is not wholly secure, and we cannot guarantee the security of your Personal Data, or any other information, transmitted to or through any of our Service(s). Any transmission of Personal Data, or other information, is at your own risk. By using our Service(s), you acknowledge and accept these risks. As a result, we cannot guarantee or warrant the security of any information you disclose or transmit to us or that are otherwise provided to us and we cannot be responsible for the theft, destruction, or inadvertent disclosure of information. It is your responsibility to safeguard any passwords, ID numbers, or other special access features associated with your use of the Service(s). Any transmission of information is at your own risk. </p><p> If you have any questions about security on our Services, or if you become aware of any unauthorized use of an account, loss of your account credentials, or suspect a security breach, notify us immediately via email at support@mbsquoteline.com . If our security system is breached, we will notify you of the breach to the extent required under applicable law.</p> </p> <p><b>5. Rights to Your Personal Data</b><br> You may change, edit, update, or delete the information that you provided when you set up your account through our Service(s) through your account settings. You may also request the deletion of this information by sending an e-mail to support@mbsquoteline.com. If you reside in certain jurisdictions, such as the EEA, you may have additional rights and options with regard to accessing, reviewing, correcting, and updating your Personal Data, as well as how we use and disclose your Personal Data. </p><p> As a Data Subject, you have the right to request access to your Personal Data as it exists in our records by logging into the account you have created for yourself in Services account or e-mailing us at support@mbsquoteline.com . You also have the right to rectification, correction, or amendment of your Personal Data if it is inaccurate or incomplete. You may also have the right to erasure of your Personal Data; however, this is not always possible due to legal requirements and exceptions may apply. </p><p> A Data Subject may have the right to object to the processing of his or her Personal Data, for example, due to his or her particular situation, for direct marketing uses, or for scientific or historical research. In certain circumstances, Data Subjects may have the right to obtain a restriction on our processing of their Personal Data, in which case such Personal Data will, with the exception of storage, only be processed with the Data Subject’s consent or in circumstances such as our exercise or defense of legal claims or the protection of another person. Data Subjects may also have the right to request that we provide data portability for their Personal Data via a copy of the data in a commonly-used format and/or transfer their Personal Data directly to another data controller (where technically feasible). Exceptions to these rights may apply, for example, if the processing is necessary for a task carried out in the public interest. Finally, if a Data Subject has given his or her consent to our processing of his or her Personal Data for certain purposes, he or she has the right to withdraw consent to such use at any time by contacting us via the contact information below. </p><p> If you are not satisfied with how we manage your Personal Data, you have the right to make a complaint to a data protection regulator. A list of National Data Protection Authorities can be found <a href="https://www.varonis.com/blog/gdpr-data-protection-authority-supervisory-listing/">here</a>. </p> <p><b>6. Information Retention</b><br> We retain the Personal Data we receive as described in this Privacy Policy for as long as you use our Site or as long as necessary to fulfill the purpose(s) for which it was collected, provide our products and services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws. </p> <p><b>7. Geographic Data Transfers</b><br> In some instances, we may need to transfer your Personal Data outside the EEA. In all cases, we take steps to ensure that transfers of such Personal Data are performed in accordance with applicable law and carefully managed to protect your privacy rights and interests. Transfers are limited to countries that are recognized as providing an adequate level of legal protection or where we can be satisfied that alternative arrangements are in place to protect your privacy rights. Therefore, where we transfer your Personal Data outside our corporate affiliates or to third parties who help provide our products and services, we obtain contractual commitments to protect your Personal Data under Data Protection Agreements and pursuant to Standard Contractual Clauses. Some of these assurances are well recognized certification schemes or such as the EU - US Privacy Shield for the protection of Personal Data transferred from within the EU to the United States. Where we receive requests for information from law enforcement or regulators, we carefully validate these requests before disclosing any Personal Data. </p> <p><b>8. Data Protection Officer</b><br> If you have an inquiry regarding your Personal Data, pursuant to the rights listed in the preceding section (above), please send your message to the following: Data Protection Officer<br> support@mbsquoteline.com<br/> MBSQuoteline<br> 8127 Mesa Drive<br/> Suite B206, PMB 155<br/> Austin, Texas 78759 </p> <p><b>9. Links to Third Party Sites</b><br> The Site(s) may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. Such links do not constitute an endorsement by us of those other websites, their content or services, or the persons or entities associated with those websites. This Privacy Policy does not apply to third-party websites. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies and terms of all third-party websites or services that you may visit. </p> <p><b>10. Children’s Privacy</b><br> We do not sell products or services for purchase by anyone under the age of thirteen (13). In accordance with the Children’s Online Privacy Protection Act (“COPPA”), we will never knowingly request or solicit Personal Data from anyone under the age of thirteen (13) without verifiable parental consent. In the event that we receive actual knowledge that we have collected such Personal Data without the requisite and verifiable parental consent, we will delete that information from our database as quickly as is practical. We reserve the right to request proof of age at any stage so that we can verify that minors are not using the Service(s). </p> <p><b>11. Your California Privacy Rights</b><br> California Civil Code Section 1798.83 permits California residents to request and obtain a list of what Personal Data (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. Under Section 1798.83, California residents are entitled to request and obtain such information, by e-mailing a request to support@mbsquoteline.com . </p> <p><b>12. Changes in the Privacy Policy</b><br> We reserve the right to modify and update this Privacy Policy at any time by posting an amended version of the statement on our Site. Please refer to this policy regularly. If at any time we decide to use Personal Data in a manner different from that stated at the time it was collected, we will notify you either on the panel home page of our Site or via e-mail. </p> <p><b>13. How to Contact Us</b><br> Because protecting your privacy is important to us, you may always submit concerns regarding our Privacy Policy on the contact us page. We will attempt to respond to all reasonable concerns and inquiries expeditiously. </p><p> If you have any questions or comments about our Privacy Policy, please contact us at: </p><p> By e-mail: support@mbsquoteline.com<br/> By telephone: 800-627-1077<br/> By regular mail:<br/> <br/> MBSQuoteline<br/> 8127 Mesa Drive<br/> Suite B206, PMB 155<br/> Austin, TX 78759</p> </div>
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