American Calidad Mortgage Consultants (ACMC)

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use our Website and the Services advertised thereon and tells You about Your privacy rights. By using the Website, You agree to the collection and use of information in accordance with this Privacy Policy.

As a global organization, we abide by all applicable data privacy laws, such as the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), the European Union General Data Protection Regulation (GDPR), and other applicable laws as they become effective.

Definitions

The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. For the purposes of this Privacy Policy:

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to American Calidad Mortgage Consultants Inc., 2646 Boston Turnpike Coventry, CT 06238-1007, USA together with its affiliates and subsidiaries.
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
Account means a unique account created for You to access our Service or parts of our Service.
Website refers to The Company Website, accessible from the URL: American Calidad Mortgage Consultants Inc.
Service refers to the Website and products or services advertised thereon.
Country refers to the United States of America and the State of California.
CCPA refers to the “California Consumer Privacy Act”.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed and/or retained by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
Personal Data is any information that relates to an identified or identifiable individual. For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes, or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
Cookies are small files that are placed on Your computer, mobile device, or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Usage Data refers to 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).
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Business, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers’ personal information, that does business in the State of California.
Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Sale,for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s Personal information to another business or a third party for monetary or other valuable consideration

1. Information We Collect

At ACMC Global, we may collect personal information from you when you visit our Website, interact with our email marketing campaigns, or engage with us on social media platforms. The types of personal information we may collect include but are not limited to:

Contact information (such as name, email address, phone number)
Demographic information
Information about your property or mortgage appraisal needs
Internet Protocol (IP) address
Browser type and version
Browsing history
Cookie identifiers
Other information collected automatically through cookies and similar technologies

2. Use of Personal Information

We may use the personal information we collect for the following purposes:

To provide and improve our services
To communicate with you about our services and promotions
To personalize your experience on our Website
To conduct marketing and advertising campaigns
To comply with legal obligations
To protect our rights and interests

3. How We Use Your Personal Data

We utilize your personal data for specific purposes outlined in this section. These purposes include but are not limited to:

Processing and fulfilling your appraisal requests
Communicating with you regarding updates, promotions, and services
Customizing and enhancing your experience on our Website
Analyzing trends and user behavior to improve our services

4. Disclosure of Your Personal Data

We may disclose your personal data to third parties in the following circumstances:

To service providers who assist us in operating our Website and providing our services
To comply with legal obligations or respond to lawful requests from authorities
In connection with a merger, acquisition, or sale of assets

5. Security of Your Personal Data

We are committed to protecting the security of your personal data and have implemented appropriate measures to safeguard it. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Transfer and Retention of Personal Data

We may transfer your personal data to locations outside of your jurisdiction for processing and storage. By using our Website, you consent to such transfers. We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Tracking and Personal Cookies

We use tracking technologies, such as cookies, to collect information about your browsing activities on our Website. These technologies help us analyze trends, administer the site, track users' movements, and gather demographic information for aggregate use. You can control the use of cookies through your browser settings. Please note that blocking cookies may affect the functionality of our Website.

6. Behavioral Remarketing

We may use remarketing services, including Facebook, Google Ads, and Twitter, to advertise to you on third-party websites after you have visited our Website. These services use cookies to serve ads based on your past visits to our Website. You can opt out of these remarketing services by adjusting your ad preferences on the respective platforms.

7. Exercising Your CCPA Data Protection Rights

Under the California Consumer Privacy Act (CCPA), California residents have certain rights regarding their personal information, including:

The right to request access to your personal information
The right to request deletion of your personal information
The right to opt out of the sale of your personal information
The right to not be discriminated against for exercising your privacy rights

To exercise your CCPA rights, please contact us using the information provided in the "Contact Us" section below. Please note that we may need to verify your identity before processing your request.

8. Cookie Consent

When you visit our Website, you may see a "Cookie Consent" notice banner. By clicking "Accept" or continuing to use our Website, you consent to the use of cookies and similar technologies as described in this Privacy Policy. You can opt out of personalized ads served by our Service Providers by following the instructions provided in the "Cookie Consent" notice banner.

Please note that opting out of personalized ads will place a cookie on your computer that is unique to the browser you use to opt out. If you change browsers or delete the cookies saved by your browser, you will need to opt out again.

9. Updates to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We encourage you to review this Privacy Policy periodically for any updates.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

American Calidad Mortgage Consultants Inc., LLC 2646 Boston Turnpike Coventry, CT 06238-1007 USA

Phone: 203-504-7110

TCR (Telephone Consumer Protection Act) requirements for phone number usage specifications related to text messages, you should consider adding clear policies to your website. These policies should outline how you handle phone numbers provided by users and ensure compliance with relevant regulations. Here's a suggested outline for the policies:

1. Collection and Use of Phone Numbers

We collect phone numbers from clients and business partners for the purpose of facilitating communication related to mortgage transactions, account management, and business operations.

Phone numbers provided to us are used exclusively for communicating with our clients and business partners and are not used for marketing purposes.

4. Message Delivery and Charges

By providing their phone numbers to us, clients and business partners implicitly consent to receiving text messages from us related to mortgage transactions and business communications.

Clients and business partners may opt-out of receiving text messages at any time by contacting us directly.

3. Frequency and Content of Messages

Text messages are sent to clients and business partners only when necessary for transactional purposes, such as updates on mortgage applications, document requests, or account status notifications.

Messages are limited to essential information pertinent to mortgage transactions and business operations and do not include promotional or marketing content.

4. Indemnity

There are no charges associated with receiving text messages from us. However, clients and business partners should be aware that standard messaging rates may apply, depending on their mobile carrier and plan.

Clients and business partners may opt-out of receiving text messages at any time without incurring any charges.

5. Data Security and Privacy

Client and business partner phone numbers are securely stored and protected against unauthorized access or disclosure.

We are committed to maintaining the privacy and confidentiality of client and business partner information in accordance with applicable data protection laws and industry best practices.

6. Compliance with TCR Regulations

We adhere to the requirements of the Telephone Consumer Protection Act (TCPA) and other relevant regulations governing the use of phone numbers for text messaging in the mortgage industry.

Our text messaging practices are conducted in accordance with industry standards and legal requirements, with a focus on providing valuable and compliant communication to our clients and business partners.

7. Contact Information and Support

Clients and business partners may contact us at any time with questions, concerns, or requests related to text messaging communications.

We are available to assist clients and business partners with opting out of text message communications or addressing any issues related to their phone numbers and messaging preferences.

8. Policy Updates

We reserve the right to update these policies as necessary to ensure compliance with evolving regulations and industry standards. Any changes to our text messaging practices will be communicated to clients and business partners through appropriate channels.

Privacy And Policy