TERMS & CONDITIONS

Effective date: December 31, 2019

The Mortgage Firm ("us", "we", or "our") operates the https://tmffms.com website (hereinafter referred to as the "Service").

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://tmffms.com

• Service

  Service is the https://tmffms.com website operated by The Mortgage Firm

• Personal Data

  Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

• Usage Data

  Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

• Cookies

  Cookies are small files stored on your device (computer or mobile device).

We collect several different types of information for various purposes to provide and improve our Service to you.

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, ZIP/Postal code, City
• Cookies and Usage Data

Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Location Data

We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Service, to improve and customise our Service.

You can enable or disable location services when you use our Service at any time by way of your device settings.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our Service.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.

The Mortgage Firm uses the collected data for various purposes:

• To provide and maintain our Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer support
• To gather analysis or valuable information so that we can improve our Service
• To monitor the usage of our Service
• To detect, prevent and address technical issues

Your information, including Personal Data, may be transferred to - and maintained on - computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

The Mortgage Firm will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure for Law Enforcement

Under certain circumstances, The Mortgage Firm may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

The Mortgage Firm may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of The Mortgage Firm
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

1. Introduction

This policy outlines the standards and procedures for the use of SMS messaging by The Mortgage Firm to communicate with clients, customers, and other stakeholders. The goal is to ensure that our SMS practices comply with applicable laws and regulations, respect user privacy, and maintain the highest standards of professionalism and ethics.

2. Compliance with Laws and Regulations

The Mortgage Firm commits to comply with all applicable laws and regulations regarding SMS messaging, including but not limited to the Telephone Consumer Protection Act (TCPA) and data protection laws in operational jurisdictions.

3. User Consent

3.1 Prior Consent:

SMS messages will only be sent to users who have provided explicit, opt-in consent to receive such messages. Consent must be verifiable and recorded with the time and date when it was obtained.

3.2 Easy Opt-Out:

Every SMS message sent by The Mortgage Firm will include clear instructions on how users can opt-out of receiving future messages. Opt-out requests will be processed immediately.

4. Content of Messages

4.1 Clear Identification:

All SMS messages sent will clearly identify The Mortgage Firm as the sender.

4.2 Appropriate Content:

Messages will contain information relevant to the user's interaction with The Mortgage Firm and will not include prohibited content such as hate speech, explicit content, or fraudulent material.

4.3 Accuracy:

All content in SMS messages will be accurate and checked for correctness before distribution.

5. Data Privacy and Security

5.1 Data Handling:

All personal data collected for SMS messaging will be stored securely and will only be used for the purposes specified at the time of collection.

5.2 Privacy Policy:

Users will be provided with a link to The Mortgage Firm's Privacy Policy in the initial SMS message they receive, which outlines how their data is handled.

6. Frequency of Messages

The frequency of SMS messages will be kept to a minimum to avoid spamming users. Regular communications will not exceed [specify limit] messages per month unless critical updates are necessary.

7. Monitoring and Compliance

7.1 Regular Reviews:

The Mortgage Firm will regularly review SMS campaigns for compliance with this policy and applicable laws.

7.2 Complaints and Violations:

A process for handling complaints related to SMS messaging will be established. Violations of this policy will be dealt with promptly and may result in disciplinary action.

8. Amendments

This policy may be amended at any time. Amendments will be effective immediately upon posting the revised policy on our website.

9. Contact Information

For any questions or concerns regarding our SMS Compliance Policy, please contact info@tmf.mortgage.

We gather various types of Personal Information from our users, as explained more fully below. We may use this Personal Information to personalize and improve our services, to allow our users to set up a user account and profile, to contact users, to fulfill your requests for certain products and services, to analyze how users utilize the Website, and as otherwise set forth in this Privacy Policy. We collect the following types of information:

(a) Information You Provide to Us:

We receive and store any information you knowingly provide to us. For example, we may collect Personal Information including but not limited to your name, email address, location, IP address, and other browser cookie information. We may collect other Personal Information you provide us through your use of our services.

(b) Information Collected Automatically:

When you visit our website, log in, register, or open an email, cookies, ad beacons, and similar technologies may be used by our online data partners or vendors to associate these activities with information they or others have about you, including your email address and other personal information. We (or service providers on our behalf) may then send communications and marketing to these email addresses. You may opt out of receiving this advertising by visiting https://tmffms.com/ and clicking on the opt-out links in the footer of the website. 

"Cookies" are identifiers we transfer to your computer through your browser that allow us to recognize your browser, and also tell us how and when pages in our site are visited, and by how many people. You may be able to change the preferences on your browser to prevent or limit your computer's acceptance of cookies, but this may prevent you from taking advantage of the best features of our Website. Our advertising partners may also transmit cookies to your computer when you click on content and ads that appear on our site. This Privacy Policy does not cover the use of cookies by any third-party advertisers.

(c) E-mail and Other Communications:

We may contact you by email or other means; for example, we may send you promotional offers on behalf of our business or other businesses, or communicate with you about your use of the Website. Also, we may receive a confirmation notice when you open an email from us. This confirmation helps us make emails more interesting and improve our service.

(d) Additional Information:

We may collect and store information that your computer or mobile device provides to us in connection with your use of the Website, such as the type of computer or mobile device, unique device ID, the advertiser ID of the device, IP address, MAC address, the operating system of the device, and the physical location of the device (including geographic, beacon based, and/or GPS location).

(e) Opting Out

If you would like to opt-out of (b) Information Collected Automatically, visit https://codeintel.com/do-not-sell-my-info Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance's opt-out portal at: http://optout.aboutads.info/. 

If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below. Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

We may use third-party Service Providers to monitor and analyse the use of our Service.

• Google Analytics

  Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

  You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

  For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

If you have any questions about this Privacy Policy, please contact us:

• By email: info@tmf.mortgage
• By phone number: (866) 404-1249
• By mail: 921 Douglas Ave Suite 200 Altamonte Springs, FL 32714