Website Privacy Policy

Website Privacy Policy

AZ Financial, LLC NMLS #1484811 MB #0935963

Website  Privacy Policy Effective  Date: April 16, 2015  This  policy describes AZ Financial, LLC NMLS #1484811 MB #0935963's ("AZ Financial, LLC NMLS #1484811 MB  #0935963," "we" or "our") collection, processing, transfer and storage of  data from visitors to our website at www.azfinancialllc.com (our  "Website"). This Privacy Policy applies only to the data collected on the  Website and not to other data collected or processed by AZ Financial, LLC NMLS #1484811 MB #0935963. If  you are a AZ Financial, LLC NMLS #1484811 MB #0935963 customer, please see our https://www.ftc.gov/, which we provide to all our individual customers, for a comprehensive explanation of how we collect, use, and share personal information and your choices for  limiting the use and sharing of your information as our customer. 


1. OUR  COMMITMENT TO YOUR PRIVACY This  Privacy Policy describes: ● How  information about you is collected through our Website; ● How  we use and with whom we share this information; ● How  you can access and update this information; and ● The choices you can make about how we collect, use and share your  information. If you have any questions regarding this Privacy Policy or our information collection and use practices, please contact us using the information in the "Contact Us" section below. 


2. INFORMATION  COLLECTED THROUGH OUR WEBSITE AZ Financial, LLC NMLS #1484811 MB #0935963 collects  information from Website visitors and also obtains information from third  parties (including from service providers) in the course of providing our  mortgage and loan origination services (our "Services"), which we may add to the data we obtain through the Website. The information collected through our website includes: ● Personal and Loan-related Information. You may provide us information about you, which may include personal information  and information relating to or necessary for the initiation, processing, or  completion of certain financial transactions, including the issuance of  loans. ● Transactional Information.  We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document  creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable AZ Financial, LLC NMLS #1484811 MB #0935963 to  comply with various legal obligations. ● Device  and Usage Information. Like most online services, our Website  collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the  information you search for, and the dates and times that you visit our Website. ● Cookies  and Other Technologies. Our Website collects certain information through the use of "cookies" and other  tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, to monitor  usage by our users and web traffic routing on our services, and to improve and  personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt  you before accepting cookies from the websites you visit. Google provides some  additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We do not respond to "do not track" browser signals at this time. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we use  web beacons in our email marketing to track instances where a user clicks  through a link in the email. 


3. HOW  WE USE INFORMATION We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following: ● To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and  information that you request, and (iii) to provide customer support to you and other parties. ● To  Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends  and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information. ● To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and  Services. Generally, you have the ability to opt out of receiving promotional communications as described below. ● Aggregate Data.  We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users' interests, usage patterns, and trends. ● Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you. 


4. HOW WE SHARE INFORMATION  We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances: ● To Service Providers.  We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such  information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to AZ Financial, LLC NMLS #1484811 MB #0935963 or to you. ● In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting  obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users' interests, usage patterns, and borrowing and loan origination trends. ● Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b)  to enforce our agreements, policies and terms of service, (c) to protect the  security or integrity of our Website or Services, (d) to protect the property,  rights, and safety of AZ Financial, LLC NMLS #1484811 MB #0935963, our users or the public from harm or illegal activities, (e) to respond to an  emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations. ● In Significant Business Transactions.  Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the  event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets. 


5. OUR POLICY CONCERNING CHILDREN  Our  website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information. 


6. PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS Our Website may contain links to other sites, as well  as advertisements from companies linking to their own sites. We are not  responsible for the privacy practices or the content of such sites. If you have  any questions about how these other sites use your information, you should  contact them directly. 


7. SECURITY AZ Financial, LLC NMLS #1484811 MB #0935963 has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information. While we take measures to protect your personal information against security breaches and  unauthorized access, we cannot guarantee that our safeguards will be effective  all of the time against all security threats. 


8. CHANGES TO OUR PRIVACY POLICY This  Privacy Policy may be revised from time to time. If we decide to make material  changes to our Privacy Policy, we will make reasonable efforts to notify you of  the changes by sending a notice to the primary email address provided to us  and/or by placing a notice on our Website. 


9. HOW TO ACCESS AND UPDATE YOUR INFORMATION You  can access and update the information that you have provided to us as  follows: ● If you are a AZ Financial, LLC NMLS #1484811 MB #0935963 customer, you can access and update certain personal information in connection with your account or application by logging into your account online. ● You may contact us at scott@AZFinancialLLC.com  and  request to review, amend or delete certain personal information collected by  us. ● Please note that we may not be able to delete all information we collect through our Website. ● You  may opt-out of receiving marketing emails at any time by following the steps to "unsubscribe" described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less. 


10. CONTACT US If  you have any questions, comments or concerns regarding our Privacy Policy and/or  practices, please send an email to: scott@AZFinancialLLC.com. AZ Financial, LLC NMLS #1484811 MB #0935963 4500 S. Lakeshore Drive, Suite 328 Tempe, AZ 85282