INFORMATION WE COLLECT ABOUT YOU

In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to Lifetime Strategies, Inc. servers located in the United States.

• Information You Provide. We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your home or prospective home, your financial information 
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• Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties. Examples of information that we may receive include credit reports, information about your home and additional demographic information. However, Lifetime Strategies does not pull a credit bureau report on loan customers without permission.
  
• Information about Others. We may also collect and store personal information that you provide to us about other people (such as co-borrowers), including their name, address, phone number, financial information or other personal information.

• Use of Cookies and Other Technologies to Automatically Collect Information. We and our authorized service providers, advertising companies, and ad networks use various technologies to collect information from your computer and about your activities on our websites (see "Information Collected by Third Parties" below). We and these companies automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see "Cookies" below) and the referring website address.
  
• Cookies. When you visit our websites, we and these companies may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience, and to record information about your visit to websites. Through the use of a cookie, we and these companies also may automatically collect information about your online activity on websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.
  
• Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our websites' visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.
  
• Information Collected by Third Parties. We may allow third-parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements and other materials on our websites, and to deploy  technology for our benefit, for example, to load web pages quicker. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and/or connect to our websites. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge, among other things, the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies.
  

HOW WE USE THE INFORMATION WE COLLECT
In general. We may use information that we collect about you to:

• deliver the products and services that you have requested;
• manage your customer relationship and provide you with customer support;
• perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
• communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other Lifetime Strategies, Inc. companies or other third parties;
• develop and display content and advertising tailored to your interests on our websites and other websites;
• verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
• enforce our terms and conditions;
• manage our business and
• perform functions as otherwise described to you at the time of collection.

Financial Information. We may use financial information to match you with lenders or to provide lenders' conditional loan offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.

Information Collection

Lifetime Strategies, Inc. is the sole owner of the information collected on www.pmfmtg.com. Lifetime Strategies, Inc collects information from our users at several different points on our Web site.

Registration Form

In order to use this Web site, a user must first complete the registration form. During registration process a user [is required to] give[s] contact information (such as name and email address) and personal information We use this information to:
1. Contact the user about services on our site for which he has expressed interest;
2. To track generic, non-specific user statistical information about this web site;
3. To report generic, non-specific site performance and usage data (statistical information) to relevant third parties.

Information Use

Information provided to Lifetime Strategies, Inc is not shared with any entities or parties who are not specifically in the business of providing products or services to mortgage professionals. Your information will not be sold, shared or otherwise distributed to anyone other than the parties identified on the Web site. I understand and value the need for privacy with personal information, and guard such data with the utmost care.

Log Files

Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Site

Special Offers and Updates

   Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the opt-out options at the bottom of all such communications.

Newsletter

If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address. Out of respect for our users privacy we provide a way to opt-out of these communications. Please see the Choice and Opt-out sections.

Service Announcements

On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. [Users may opt-out of these communications. Please see our Choice and Opt-out section.]

Customer Service

We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone, in accordance with the users wishes.

Sharing

Legal Disclaimer

Though we make every effort to preserve user privacy, we may need to disclose personal information when 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 our Web site.

Aggregate Information (non-personally identifiable)

We share aggregated demographic information with our partners and advertisers on occasion, to accurately depict the number of users on our site, the average traffic and/or usage statistics of the Mortgage Training Institute. site, and other relevant information. This information is used to evaluate the viability and performance of Lifetime Strategies, Inc. This is not linked to any personally identifiable information.

Business Transitions

In the event Louis Vela goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred. Users will be notified via email AND prominent notice on the Lifetime Strategies, Inc web site for thirty (30) days prior to a change of ownership or control of their personal information. If as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection they will be given choice consistent with our notification of changes section.

Choice/Opt-out

Users who no longer wish to receive our newsletter and/or announcements and promotional communications may opt-out of receiving these communications by selecting "unsubscribe" at the bottom of any e-mail and following the directions.
Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links

This Web site contains links to other sites. Please be aware that we, Lifetime Strategies Inc., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Surveys & Contests

From time to time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). Contact information will be used/shared with the contest or survey sponsors to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site. Users’ personally identifiable information is not shared with third parties unless we give prior notice and choice. Though we may use an intermediary to conduct these surveys or contests, they may not use users’ personally identifiable information for any secondary purposes.

Tell-A-Friend

If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address. Louis Vela Inc. will automatically send the friend a one-time email inviting them to visit the site. Louis Vela stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. The friend may contact Lifetime Strategies, Inc. at lifetimestrategies@yahoo.com to request the removal of this information from our database.

Security

This Web site takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and off-line.
When our registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just ‘surfing’.
While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every 6 months, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment. If users have any questions about the security at our Web site, users can send an email to ifetimestrategies@yahoo.com. 

Supplementation of Information

In order for this Web site to properly fulfill its obligation to users it is necessary for us to supplement the information we receive with information from 3rd party sources.

Correcting/Updating/Deleting/Deactivating Personal Information

If a user’s personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct, update or delete/deactivate users’ personally identifiable information. This can usually be done in MY ACCOUNT area of the Web site or by emailing our Customer Support at LVELA@PMFMTG.com. Or, contact us by telephone or postal mail at the contact information listed below.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users 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, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases where we post a notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

Contact Lifetime Strategies at (708) 243-1915