Privacy Statement and Security Policy
The privacy and security of our users are of utmost importance to us.
Protecting their privacy and earning and retaining their trust are
describes how we protect the information that we collect while providing
our services, and reflects our firm commitment to maintain the
privacy and security of this information. Please review this statement
to understand what we do and don't do with data that we collect.
Information We Collect
We collect non-public personal information submitted by loan applicants
via our online loan application forms. We collect this information
on behalf of our loan broker clients. All non-public information and
data related to both loan applicants and our broker clients is and will
be considered confidential, proprietary and non-public. It's understood
that any disclosure of such confidential or non-public information to any
other party could cause significant personal and competitive harm.
Information We Disclose and To Whom We Disclose Information
We disclose the non-public personal information that we collect only
to the specific loan broker on whose behalf we collected that
information. (We recommend that loan applicants coming to our site from
We may also disclose information to government agencies,
if required by law, to comply with a legal summons, court order,
subpoena or a similar legal process. PointExpress agrees that it is
not granted right or license, express or implied, to the confidential
information. We do not and will not provide, trade, sell
or rent information to any other party.
Confidentiality and Security Procedures
We restrict access to the information we collect to those employees
who need to know such information in the course of providing our services.
We maintain physical, electronic and procedural safeguards that comply with
federal regulations to guard this information. We provide a secure server
and password-protected environment that protects all information by
Secure Socket Layer (SSL) encryption. SSL encodes and decodes the
transmission of information to prevent the interception by another party.
This transmission can be done on our website at 128 bit encryption.
Our users can confirm that they are in a secure mode by verifying that their
web browser's URL/address/location line begins with "https://".
(In contrast, a line that begins with "http://" indicates
a non-secure transmission mode).
Accessing Password-Protected Pages
When you try to access one of our password-protected pages, you will be
prompted to type a user name and password. You may be offered to store
the password on your computer, so that you will not need to type the
password when you try to access the page again. If the computer you
are using is not for your sole use, do not store the password, so that
other users will be prevented from accessing the page. After you have
finished accessing the page(s), click the "Log Off" link, so that other
people using the computer will be prevented from accessing the pages(s).
If you have questions about your user name or password, contact us at
Use of "Cookies" and IP Addresses
browser and stored on your computer). Cookies that you may establish with
loan broker sites that are linked to our site are not our responsibility,
and you should review their specific policy on cookies.
We store IP addresses of those browsing our web site to track the number of
times specific users view particular pages. We do not track any
individual person's activities using IP addresses.
The only emails that we send to users are notifications regarding
submission of loan applications and direct responses to users queries.
We provide the loan applicants' email addresses to the specific loan
broker on whose behalf the loan application has been submitted, in order
to facilitate communication during loan processing. We do not and will not
provide, trade, sell or rent users' email addresses to any other party.
Updating or Deleting Information
To update or delete submitted information, or to obtain additional
details about our privacy and security procedures, please contact us at
We reserve the right to make changes to this policy. You can always
review our current policy online at
www.pointExpress.com or by contacting
us at help@pointExpress.com.