Mortgage Quality Management and Research, LLC (hereinafter “MQM Research” or “We”), owners of the Website www.MQMResearch.com (hereinafter “the “Site”) is committed to protecting the privacy of the users of the Site.  The purpose of this Privacy Policy is to inform you of MQM Research’s information practices related to the information that you provide, when using the Site (“Your Information”).

Please remember that this Privacy Policy does not apply to the practices of companies that we don’t own or control or to people that we don’t employ or manage.  We encourage you to read the privacy statements of each and every website that collects personally identifiable information about you.  This Privacy Policy applies solely to information that MQM Research collects about you as a user of the Site. This Privacy Policy is incorporated into and subject to the terms of the MQM Research Terms of Use.  Each time you use the Site, you signify that you have read, understood and agree to be bound by the Terms of Use, which incorporate this Privacy Policy. If you do not agree to the terms of this Privacy Policy, you must discontinue using the services on our Site.

Collection and Use of Your Information.

  • At the present time, MQM Research does not gather personal information from users of the Site as users are not asked to provide their personal information or to become members to use any function of the Site.  Notwithstanding, users of the Site are permitted to supply their name, email address and telephone number (“Personal Information”) for the purpose of having representatives or agents of MQMR contact the user.  We will not use your Personal Information in any manner other than to contact you in accordance with your request.  We do not sell your Personal Information to anyone and for any purpose.
  • When You “Surf” the Site.
  • Log Files.  Like most standard website servers, we use and maintain the information that we obtain from your browser on our server logs.  This information can include Internet protocol (IP) addresses, browser type, Internet service provider (“ISP”), and other data.  We may use this information to analyze trends, administer the Site, track user movement in the aggregate, and gather broad demographic information for aggregate use. 
  • Cookies.  A cookie is a small piece of data that is sent to your browser from a web site’s computers and stored in a browser-related file on your computer’s hard drive. Cookies are uniquely assigned to your computer, and are read by a web server in the domain that issued the cookie to you.  We link cookies to your unique registration number and use them to enhance and personalize your experience on the Site, including helping authenticate you when you use the Site, remembering your preferences and customizing the content and advertisements provided to you on the Site. We also use cookies to deliver information and fresh content specific to your interests.  If you do not want these cookies stored on your computer you can reject cookies by modifying your browser setting accordingly (each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences).  However, if you choose to reject cookies, you may not be able to access products and services that we offer. Please also note that certain types of emails available through the Site may automatically log you into the Site and/or set new cookies when you click on the links in the emails and that you may need to manually remove such cookies if you do not want them to be set on your computer. See section titled “Third Party Ad Servers” below for additional information about cookies.
  • Beacons.  A web beacon (also known as a clear gif) is a tiny graphic with a unique identifier that is placed on a web page or within an email. It is similar in function to a cookie, and is used to collect a limited set of information, such as a cookie number, time and date of page view, and a description of the page on which the web beacon resides.  MQM Research and its third party advertisers may use web beacons to compile aggregate statistics about which advertisements and promotions users have seen and how users responded to them.  This information helps us better manage content on the Site by informing us what content is effective.  In addition, we may use web beacons in our promotional e-mail messages to count how many messages and which emails have been opened and acted upon.  This use allows us to gauge the effectiveness of certain communications and our marketing campaigns. 
  • When You or Third Parties Contact.  If you contact MQM Research by phone, email or letter, we may keep a record of such correspondence.  Thus, if you report an issue with the Site, we may collect such information in a file specific to you.  Moreover, if you contact us through our feedback area, we require your name and email address in order to send you a reply. Additionally, if other users or third parties send us correspondence about your activities or postings on the Site, we may keep the information in a file specific to you.

Sharing Your Information.

  • Confidentiality.  MQM Research only shares Your Information with others when we have your permission or under the types of circumstances described in this Privacy Policy. 
  • Third Party Offers.  We allow other companies, such as our marketing partners, to offer their products and services to you, to co-register you on their website, or to communicate with you about their products and services at a future date, through our Site, co-branded pages hosted by the third party, or email.  Whether or not you decide to participate in such an offer is up to you.  If you purchase a product or service from a third party agree to co-register on a third party’s website, or agree to allow a third party to communicate with you in the future through an offer on our Site that requires you to submit financial and personal information, you are also consenting to our delivery of this information to that party.  The offer will notify you if any financial or personally identifiable information will be shared.  Such third party will be authorized to use this information in keeping with our contractual relationship with them and in accordance with their own privacy policy and information practices.  We do not control these third parties and you agree that MQM Research is not liable for their acts or any failure to act on their party.
  • Third Party Advertising.
  • The advertisements that appear on the Site are generally delivered through internal software operated by MQM Research.  As noted above, we may use Your Information to provide you with advertisements that are targeted to your specific needs and interests.  These advertisements link directly to third party websites.  MQM Research has no control over the content or privacy policies of such sites, and therefore we encourage you to review such content and policies prior to submitting any personal information to them.  We do share certain aggregate information, such as demographic information and the number of times that our members have viewed an advertisement, with our third party advertisers. This information is not linked with any personally identifiable information, and we do not provide any such information to third party advertisers.
  • Service Providers.
  • We may sometimes use a third party to provide specific services on our behalf.  In these cases, we may provide certain personal information, such as your e-mail address necessary for the service to be provided.  However, these third parties are required to maintain the confidentiality of this information and are prohibited from retaining, sharing, storing or using this information for any other purposes.
  • MQM Research may provide certain portions of Your Information, such as your email address, back to your ISP if we have an existing advertising relationship with them.  This is done to allow them to target or discontinue your exposure to our advertisements.  As part of our agreement with your ISP, they will be required to maintain this information in a confidential manner and use it solely for the purpose described in this Policy.
  • Affiliates and Business Transitions.  MQM Research may share Your Information with its affiliates that are subject to privacy policies that protect your personally identifiable information from disclosure to third parties in a manner similar to this Privacy Policy.  In the event that MQM Research (or its parent corporation) goes through a business transition, such as a merger, acquisition, liquidation or sale of all or a portion of its assets, our members personal information will, in most instances, be part of the assets transferred.
  • Legal Matters; Protection of Rights, Property and Interests; Safety.  We may, without your consent, access and disclose Your Information, any communications sent or received by you, and any other information that we may have about you or your account: as may be permitted or required by law, regulation, rule or court order; pursuant to requests from governmental, regulatory or administrative agencies or law enforcement authorities; or to prevent, investigate, identify persons or organizations potentially involved in, or take any action regarding suspected fraud, violations of our Terms of Service, or activity that appears to us to be illegal or may expose us to legal liability.  Additionally, we may disclose Your Information in situations that we believe to be emergencies involving potential threats to the physical safety or any person or property if we believe that Your Information in any way relates to that threat.
  • The Security Of Your Information.  We have instituted physical, electronic and procedural safeguards to store and maintain Your Information in a secure environment. We cannot guarantee that the safeguards we employ today can protect Your Information from the threats of tomorrow.  You should also be aware that despite our efforts, factors beyond our control may result in disclosure of Your Information.  Accordingly, we are not in a position to guarantee that Your Information will be secure under all circumstances.
  • A Note About International Users.  We collect, process and maintain Your Information in the United States, where privacy laws may not be as protective as in your home country.  If you are using the Site from outside of the United States, by providing Your Information to us you are consent to the transfer of Your Information to the United States for processing and maintaining in a manner consistent with this Privacy Policy.

Changes to Our Privacy Policy. 

MQM Research may update this policy from time to time as our information practices are modified or changed. We encourage you to periodically review this page for the latest information on our privacy practices.