Privacy Policy

This Privacy Policy governs the manner in which Arbor Home Loans collects,
uses, maintains and discloses information collected from users (each, a “User”)
of the https://arborhomeloan.com website (“Site”).

This privacy policy applies to the Site and all products and services offered by
Arbor Home Loans.

Personal identification information

We may collect personal identification information from Users in a variety of
ways, including, but not limited to, when Users visit our site, register on the site,
subscribe to the newsletter, respond to a survey, fill out a form, and in connection
with other activities, services, features or resources we make available on our
Site. Users may be asked for, as appropriate, name, email address, phone
number. Users may, however, visit our Site anonymously. We will collect personal
identification information from Users only if they voluntarily submit such
information to us. Users can always refuse to supply personally identification
information, except that it may prevent them from engaging in certain Site related
activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever
they interact with our Site. Non-personal identification information may include
the browser name, the type of computer and technical information about Users
means of connection to our Site, such as the operating system and the Internet
service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser
places cookies on their hard drive for record-keeping purposes and sometimes to
track information about them. User may choose to set their web browser to refuse
cookies, or to alert you when cookies are being sent. If they do so, note that some
parts of the Site may not function properly.

How we use collected information

Arbor Home Loans may collect and use Users personal information for the
following purposes:

To improve customer service
Information you provide helps us respond to your customer service requests and
support needs more efficiently.

To personalize user experience
We may use information in the aggregate to understand how our Users as a
group use the services and resources provided on our Site.

To improve our Site
We may use feedback you provide to improve our products and services.
We may use the information Users provide about themselves when placing an
order only to provide service to that order. We do not share this information with
outside parties except to the extent necessary to provide the service.

To run a promotion, contest, survey or other Site feature

To send Users information they agreed to receive about topics we think will be of
interest to them.

To send periodic emails
If User decides to opt-in to our mailing list, they will receive emails that may
include company news, updates, related product or service information, etc.

If at any time the User would like to unsubscribe from receiving future emails, we
include detailed unsubscribe instructions at the bottom of each email or User
may contact us via our Site.

How we protect your information

We adopt appropriate data collection, storage and processing practices and
security measures to protect against unauthorized access, alteration, disclosure
or destruction of your personal information, username, password, transaction
information and data stored on our Site.

Our Site is in compliance with PCI vulnerability standards in order to create as
secure of an environment as possible for Users.

Third party websites

Users may find advertising or other content on our Site that link to the sites and
services of our partners, suppliers, advertisers, sponsors, licensors and other
third parties. We do not control the content or links that appear on these sites and
are not responsible for the practices employed by websites linked to or from our
Site. In addition, these sites or services, including their content and links, may be
constantly changing. These sites and services may have their own privacy
policies and customer service policies. Browsing and interaction on any other
website, including websites which have a link to our Site, is subject to that
website’s own terms and policies.

Compliance with children’s online privacy protection act

Protecting the privacy of the very young is especially important. For that reason,
we never collect or maintain information at our Site from those we actually know
are under 13, and no part of our website is structured to attract anyone under 13.

Changes to this privacy policy

Arbor Home Loans has the discretion to update this privacy policy at any
time. When we do, we will revise the updated date at the bottom of this page. We
encourage Users to frequently check this page for any changes to stay informed
about how we are helping to protect the personal information we collect. You
acknowledge and agree that it is your responsibility to review this privacy policy
periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree
to this policy, please do not use our Site. Your continued use of the Site following
the posting of changes to this policy will be deemed your acceptance of those
changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or
your dealings with this site, please contact us.