Privacy Policy

Information We Collect

The Site does not collect personally identifiable information about you unless you expressly provide such information, such as your name, phone number, physical address, and email address, to us on a voluntary basis, for example, when submitting a request for a callback or a complaint. We may also add the information you expressly provide to our databases or contact lists. We use such personally identifiable information to send you the information you request, to respond to your inquiries and comments, and, from time to time, to send you information regarding events and developments that we think may be of interest to you.

If you decide at any time that you no longer wish to receive information from us, please see “Contact Us” below. On rare occasions, we may send important administrative information regarding the Site or services to users using their email addresses; because such information may be important to your use of the Site, it may not be possible to “opt-out” of receiving such emails.

Non-personally Identifiable Information

We also automatically collect non-personally identifiable information through cookies and log files when you access the Site. Such information includes, without limitation, the following: your internet service provider, the IP address of the computer you are using, the type of browser software and operating system that you use, the date and time you access the Site, your length of stay on the Site, the pages that you visit on the Site, the Web site address, if any, from which you linked directly to the Site, the Web site address, if any, to which you travel from the Site, and other similar traffic information. We may aggregate your information with similar data collected from other users to help us improve our Site and the services we provide through our Site. We do not use such data in any way to create or maintain a personal profile of you or to collect personally identifiable information from you.

Our Use of Information We Collect

We take the privacy and security of your information seriously at American Pacific Mortgage. Here’s how we use the information we collect:

• Service Enhancement: Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to provide such information to our employees, contractors, agents, and designees to the extent necessary to enable them to perform certain Site-related services on our behalf.
  
• Legal Compliance: We also reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of American Pacific Mortgage (APM) and its employees, users of the Site, or the public. Please see our Federal Financial Privacy Notice that discloses how we collect, share, and protect your personal information.
  
• Third Party Service Providers: We employ third-party service providers who assist us in providing Service-related services to you. Third parties may use cookies, web beacons, and similar technologies to collect or receive information from our website and elsewhere on the Internet and use that information to provide measurement services and target ads. You can opt-out of the collection and use of information for ad targeting by visiting www.aboutads.info/choices. Please see our Federal Financial Privacy Notice for more information on how we collect, share, and protect your personal information.
  
• Business Transfers: APM reserves the right to transfer any and all information we collect from users, or that we otherwise collect in connection with the Site, including, without limitation, to unaffiliated third parties, in the event of a sale or transfer of assets or portion of our business.

Please be assured that we do not sell your personal information to third parties for their marketing purposes.

SMS 

No mobile information will be shared or collected with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Security

APM employs industry-standard security measures designed to protect against the loss, misuse, or alteration of personally identifiable information under our control. Unfortunately, no security system, or system of transmitting data over the Internet, can be guaranteed to be 100% secure. Therefore, while we employ industry-standard security measures to protect your personally identifiable information, we cannot guarantee the security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the site.

Links to Other Web Sites

The Site may contain links to Web sites owned by third parties. If you link to any such Web site, any information you disclose on that site is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others. Any Site link to a Web site owned by a third party does not constitute an endorsement, approval, association, sponsorship, or affiliation with the linked site unless specifically stated.

Children Under 13

The Site is not directed to children under thirteen years of age, and we do not knowingly collect personally identifiable information from such children. If you are younger than thirteen, please do not provide any personally identifiable information while using the Site.

Changes to Privacy Policy

We reserve the right to update, revise or otherwise change this Privacy Policy at any time and any changes to the Privacy Policy will be effective upon posting. Your use of the Site constitutes your acceptance of the currently posted Privacy Policy, and you should therefore review this Privacy Policy regularly to ensure that you are aware of its terms.

Contact Us; Opt-Out

We do not share text messaging originator opt-in data and consent for marketing purposes. However, we do provide contact information to non-affiliated third parties with your explicit consent to do so. If you would like to update or otherwise change the personally identifiable information you have provided to us, or if you no longer wish to receive materials from us or want your personally identifiable information removed from our databases, please contact us at info@shiningstarfunding.com Alternatively, if and when you receive materials from us by email or SMS, you may make use of the “opt-out” provision in such email and SMS to let us know that you no longer wish to receive such materials from us. If you require assistance, respond to our SMS with “HELP”. To cease receiving messages, text “STOP.” You can also text “START” to resume receiving text messages from Shining Star Funding. If you have any questions about this Privacy Policy or our collection and use of your personally identifiable information, please contact us at info@shiningstarfunding.com