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Our
Security & Privacy Pledge
At Bugs Finance, we have dedicated ourselves to
revolutionizing the home loan process and helping
individuals use their home financing options as
a tool to manage their financial lives. In that
effort, we respect and protect the privacy of
those who visit or use our Web site. When we collect
information from you, we want you to know how
it is used. To demonstrate our commitment to fair
information practices, we have adopted leading
industry privacy guidelines.
Bugs Finance does not share your personal information
with outside companies for their promotional use.
Because of the financial nature of our business,
our Web sites are not designed to appeal to children
under the age of 13. Therefore, we don't knowingly
attempt to solicit or receive any information
from children. |
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Our Philosophy
and Practices
At Bugs Finance, we want you to be comfortable
and confident when using our Web site. Therefore,
we would like to share with you the following
principles that govern our information practices
and other privacy aspects of our Web site:
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We provide you notice of our
Web site information practices. |
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We tell you how and why we
use Web technologies. |
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We give you choices
about how the personally identifiable
information that you provide to
us may be used. |
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We provide you
the opportunity to update or correct
your personally identifiable information. |
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We work to protect
personally identifiable information
from loss, misuse, or unauthorized
alteration. |
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We provide various
ways for you to contact us about
our information practices and
other aspects of privacy. |
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WE PROVIDE
YOU NOTICE OF OUR WEB SITE INFORMATION
PRACTICES :
To maximize the value of our services,
we may request information from you
when you visit our Web sites. Bugs
Finance does not share your personal
information with outside companies
for their promotional use.
Here is a description of the information
we collect and how it is used: |
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Tools,
Applications and Registration.
We provide a number of ways
for you to explore your options
for mortgages and loans, so
you can determine which options
may be the most desirable for
you. You can engage a number
of tools, planners, calculators
and other interactive advisors,
such as the online interviews,
without providing us your identity.
We will not ask you for personally
identifiable information to
use these features, and do not
attribute the information that
you provide to you as an individual.
However, if you want to exercise
one or more of the loan options
presented, we will ask you to
register at the site and supply
other identifying and supporting
information needed to process
your application.
By registering, you can save
information such as loan interviews
and applications for later review
and update. When you register,
you select a member ID name
by which we will know you, choose
a password and provide us an
e-mail address. You use the
member ID name and password
to gain access to your loan
application information, financial
profile and/or customized rates.
We use your contact information
to provide you with alerts and
updates regarding your loan
status, which is part of the
Bugs Finance service. Bugs Finance
does not share your information
with outside companies for their
promotional use. We may, however,
use it to send you communications
and special offers on other
products or services offered
by Bugs Finance. If you do not
want to receive this information
you may opt-out during registration,
within any future communications
or by sending an e-mail to optout@BugsFinance.com
We may also supply the information
you provide, on a strictly confidential
basis, to service providers,
such as title companies, appraisers,
credit reporting services, etc.,
who assist us in qualifying,
processing, closing and servicing
your loan.
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Credit Report
By submitting a loan application
or a request to be pre-qualified
to us, you authorize us to share
your credit report with our
affiliates only to process your
loan application.
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Newsletters
We provide you the opportunity
to subscribe to e-mail newsletters
and other e-mail communications.
You may unsubscribe by following
the instructions provided in
each e-mail newsletter
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Interactive
Help (Chat / PC to Phone)
You may initiate an online interactive
discussion or PC to Phone communication
with a Bugs Finance support
professional to facilitate the
completion of your loan application.
We do not ask for any personally
identifiable information to
use this service; if you volunteer
personally identifiable information,
it will only be used to respond
to your request. We maintain
transcripts of chat sessions.
Remember that Interactive Chat
is not a secure session and
is not intended for the transfer
of sensitive information.
More
on our general information practices.
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Contests,
Sweepstakes, and Surveys
From time to time, we may offer
you the option to participate
in contests, sweepstakes, or
surveys. If you would like to
participate, we may ask you
for contact information, preferences
or other information. This information
may be used to conduct research,
improve our offerings, contact
you regarding home financing
or award prizes. Our contests
or sweepstakes may have separate
rules and we will identify how
the information that you supply
will be used in each case.
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Mandatory
and Optional Information
We identify what information
is required to fulfill your
request. If you chose not to
provide mandatory information,
we will not be able to provide
you the service you are requesting.
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E-mail Message Formatting
When sending you e-mail we may
use an image called a single-pixel
GIF, that allows us to (1) format
messages that best align with
your computer's capabilities,
and (2) determine whether you've
opened an HTML e-mail. When you
click on a link within an e-mail
message, you will first pass through
our server, then are redirected
onto the Internet. We use this
data on an aggregate level to
evaluate response rates to our
e-mail messages and to determine
which links are most useful to
our customer base.
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Within the Bugs Finance
Family
Within the Bugs Finance family,
which includes our title company,
Title Source, Inc., we may exchange
customer information to fulfill
your requests or to provide you
with information about other products
or services, if you have chosen
to receive such communications.
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Service Providers
In some cases, we will employ
or use service providers such
as title companies, appraisers,
consultants, temporary workers,
third party software developers,
to complete a business process
or provide a service on our
behalf. For example, we may
use service providers to enhance
our website technology, deliver
products, or to send e-mails.
When we employ service providers,
we may need to share your personally
identifiable information. Service
providers are strictly prohibited
from using your personally identifiable
information for purposes other
than to act on our behalf.
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Service Alerts and Critical
Notices
Although we respect and honor
the privacy preferences you
have expressed, we may need
to contact you to inform you
of specific changes that may
impact your ability to use this
service or for other critical
non-marketing purposes, such
as bug alerts. We may also contact
you to respond to your specific
requests, to clarify the order
information you provided to
us, or to notify you of upcoming
subscription expiration dates.
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Change
of Control
Your personally identifiable
information may be transferred
in connection with a sale, merger,
transfer, exchange or other
disposition (whether of assets,
stock or otherwise) of all or
a portion of a business of Bugs
Finance. You will have the opportunity
to opt out of further secondary
use of your information following
any change of control.
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Changes
to Our Privacy Policy
If we plan to make significant
changes to any of our privacy
policies or practices with respect
to how we use personally identifiable
information, we'll post those
changes to the Bugs Finance
Web site 30 days before they
take effect.
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Legal Disclosures
In some cases we may disclose
certain information to comply
with a legal process, such as
a court order, subpoena, search
warrant, or law enforcement request. |
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WE WORK TO PROTECT
PERSONALLY IDENTIFIABLE INFORMATION FROM LOSS,
MISUSE, OR UNAUTHORIZED ALTERATION
We employ industry recognized security safeguards
to help protect the personally identifiable information
that you have provided to us from loss, misuse,
or unauthorized alteration. All data sent to Bugs
Finance is protected with technology that enables
encryption of your data. We use :
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Secure
Socket Layer (SSL)
The Bugs Finance Web server supports the
Secure Socket Layer (SSL) transaction protocol
originally developed by Netscape and now
largely accepted as an industry standard.
The purpose of this encryption protocol
is to keep confidential the information
passed back and forth between a Web server
and its users.
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128-Bit Domestic
Grade Strong Encryption
Bugs Finance uses 128-Bit Domestic Grade
Strong Encryption, the most powerful encryption
commercially available for internet products.
(However, be aware that if you are using
a 40-bit browser, your encryption level,
while secure, is not the highest level available.
United States and Canadian citizens can
download free 128-bit browsers from Mozilla,
Netscape or Microsoft)
We work to protect personally identifiable
information stored on the site's servers
from unauthorized access using industry
standard computer security products, such
as firewalls, as well as carefully developed
security procedures and practices. All employees
must review and sign a written statement
of these practices which include limiting
access to sensitive information to only
those employees who require the information
and enforcing strict password protocols
for all employees. In addition, a username,
member ID name and password are required
for you to use, view or change application
or interview information. We use both internal
and external resources to review the adequacy
of our security measures on a regular basis.
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WE TELL YOU HOW AND WHY WE USE WEB TECHNOLOGIES
Here is how and why we use some common Web technologies
to help manage our Web sites :
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Cookies
A “cookie” is a small piece
of information that our Web site may provide
to your browser while you are at our sites.
The Bugs Finance Web site supplies your
browser with cookies that contain a unique
identifier used to better understand Web
site usage in the aggregate and on an individual
level so we know what areas of our site
users prefer (e.g., based on the number
of visits to those areas). This is done
through a tracking utility that allows us,
for example, to reconstruct activity from
a session or by a user, for troubleshooting
and issue resolution purposes. Bugs Finance
may also employ service provider to help
us collect and understand our Web site usage
data.
When periodic surveys are presented to web
site visitors, cookies are used to prevent
issuing multiple invitations to the same
individual.
If you are a registered member on the Bugs
Finance Web site, you will receive a cookie
when you login. This cookie is maintained
by your browser and contains your identifier.
This cookie is also used to authenticate
your identity and provide you with access
to areas of our Web site that are limited
to registered members, such as those that
allow you to view and manage your personal
profile.
Additionally, Bugs Finance service providers
that serve ads on affiliate and/or advertiser
Web sites may assign different cookies and
small graphical images called single-pixel
GIFs or web beacons, to your browser to
track the effectiveness of Bugs Finance
advertising on other Web sites and your
involvement with Bugs Finance. For example,
as part of the Bugs Finance affiliate programs,
our service providers use cookies and web
beacons to determine when affiliate program
members have referred a customer to Bugs
Finance via a link on their Web site. The
Bugs Finance Web site also sets a temporary
cookie that contains a unique, anonymous
identifier that is provided to the service
provider to ensure that each referral is
only counted once. This cookie is not linked
to a customer's personal information. The
cookies and web beacons are necessary to
ensure that affiliate program members are
appropriately credited for their referrals.
Service providers report data in the aggregate
and do not link it to individual customer
information. Bugs Finance may also employ
service providers who may assign cookies
or web beacons to your browser to assist
us in collecting Web site usage data such
as your IP address, session ID, URL and
demographic information such as your zip
code. We do not track URLs that you type
into your browser, nor do we track you across
the Internet once you leave our site. All
companies that act on our behalf are contractually
obligated to keep the information we provide
to them confidential and to use the customer
information we share only to provide the
services we ask them to perform for you
and us.
If you simply want to browse, you do not
have to accept cookies from our site. Should
you decide, however, that you would like
to register and sign in to special areas
of the Web site and you have modified your
browser settings not to accept cookies,
you will need to re-set your browser to
accept the cookies that we send. Otherwise,
you won't be able to participate in certain
areas of the Web site. Most browsers are
defaulted to accept and maintain cookies.
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Web Site Usage
Data
Our Web site tracks usage data, including,
for example, your IP address, your browser
type and version, which pages you view,
which page, if any, linked you to our site,
and which link, if any, you follow off of
our site. We use this data in the aggregate
and on an individual level to better understand
Web site activity to improve our site offerings,
to reconstruct activity from a session or
by a user, for troubleshooting and issue
resolution purposes. We may also use this
data to provide you a more personalized
Web site experience, assistance with technical
support questions, and to send you special
offers, product and service updates, or
other promotional materials that are relevant
and tailored to your interests. If you do
not want to receive these offers or promotions,
simply indicate your contact preferences
during the registration process, within
any future communications or by sending
an e-mail to
opout@BugsFinance.com or click
here. We do not share your information
with outside companies for their promotional
use. We do not track URLs that you type
into your browser, nor do we track you across
the Internet once you leave our site. |
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WE GIVE YOU CHOICES
ABOUT HOW THE PERSONALLY IDENTIFIABLE INFORMATION
THAT YOU PROVIDE TO US MAY BE USED.
We give you the opportunity to control the use
of your personal information for purposes other
than to fulfill your request or as is required
to process, close and subsequently service your
loan. For example, on occasion we may use your
contact information to send you promotional communications
about Bugs Finance products. If you do not wish
to receive such communications, you may specify
your contact preferences during the information
collection process send an e-mail to optout@BugsFinance.com |
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WE PROVIDE YOU THE
OPPORTUNITY TO UPDATE OR CORRECT YOUR PERSONALLY
IDENTIFIABLE INFORMATION
We provide you the opportunity to update or correct
the contact and loan application information that
you have provided to us. You may review and update
information stored in your application online
until you submit your application. Once you have
submitted your application, you may only change
the information by e-mailing us at changeinfo@BugsFinance.com |
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WE PROVIDE VARIOUS
WAYS FOR YOU TO CONTACT US ABOUT OUR INFORMATION
PRACTICES AND OTHER ASPECTS OF PRIVACY
Questions regarding the Bugs Finance Web site's
privacy statement, our online privacy policy,
our information practices or other aspects of
privacy on our Web sites, should be directed to
us by e-mail to optout@BugsFinance.com |
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