WEBSITE PRIVACY POLICY & TERMS OF SERVICE

Effective Date: April 16, 2015

Prodigy Lending is a DBA of AmCap Mortgage, Ltd. (NMLS ID# 129122 – www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/129122), an Equal Housing Lender

This policy describes AmCap Mortgage Limited’s (“AmCap Mortgage Limited,” “we” or “our”) collection, processing, transfer and storage of data from visitors to our website at amcaploancenter.com (our “Website”). This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by AmCap Mortgage Limited.

If you are a AmCap Mortgage Limited customer, please see our Consumer Privacy Notice, 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

AmCap Mortgage Limited 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 AmCap Home Loans 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.
• 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 AmCap Home Loans 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 AmCap Home Loans, 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

 

AmCap Home Loans 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 AmCap Home Loans 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 [email protected] 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: [email protected]

 

Prodigy Lending

a DBA of AmCap Mortgage, Ltd.

Managing RMLO: Jason Turner (NMLS #286357) (www.nmlsconsumeraccess.org)

9999 Bellaire Boulevard, Suite 700

Houston, Texas 77036

WEBSITE PRIVACY POLICY & TERMS OF SERVICE

Effective Date: April 16, 2015

Prodigy Lending is a DBA of AmCap Mortgage, Ltd. (NMLS ID# 129122 – www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/129122), an Equal Housing Lender

This policy describes AmCap Mortgage Limited’s (“AmCap Mortgage Limited,” “we” or “our”) collection, processing, transfer and storage of data from visitors to our website at amcaploancenter.com (our “Website”). This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by AmCap Mortgage Limited.

If you are a AmCap Mortgage Limited customer, please see our Consumer Privacy Notice, 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

 

 

 

AmCap Mortgage Limited 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 AmCap Home Loans 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.
• 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 AmCap Home Loans 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 AmCap Home Loans, 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

 

AmCap Home Loans 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 AmCap Home Loans 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 [email protected] 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: [email protected]

 

Prodigy Lending

a DBA of AmCap Mortgage, Ltd.

Managing RMLO: Jason Turner (NMLS #286357) (www.nmlsconsumeraccess.org)

9999 Bellaire Boulevard, Suite 700

Houston, Texas 77036

State	License Number	License Type	Regulated Text	Disclosures
Alabama	21963	Consumer Credit License
Arizona	BK-0929916	Mortgage Banker License
Arizona	BK-0938299	Mortgage Banker License - Other Trade Name #2	Other Trade Name #2- Gold Financial Services
Arizona	BK-0947259	Mortgage Banker License - Other Trade Name #3	Other Trade Name #3: Amcap Mortgage, Ltd. d/b/a AmCap Home Loans
Arkansas	105244	Combination Mortgage Banker-Broker-Servicer License
California	603H785	Finance Lenders Law License	Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
California	41DBO-52629	Residential Mortgage Lending Act License
Colorado	n/a	Mortgage Company Registration
Connecticut	ML-129122	Mortgage Lender License
Delaware	023072	Lender License	Licensed by the Delaware State Bank Commissioner to engage in business in Delaware.
District of Columbia	MLB129122	Mortgage Dual Authority License
Florida	MLD1353	Mortgage Lender Servicer License
Idaho	MBL-8322	Mortgage Broker/Lender License
Illinois	MB.6761232	Residential Mortgage License	Illinois Residential Mortgage Licensee
Indiana	32702	Mortgage Lending License
Iowa	2015-0037	Mortgage Banker License
Kansas	MC.0025245	Mortgage Company License
Kentucky	MC408132	Mortgage Company License
Louisiana	2801	Residential Mortgage Lending License
Maine	129122	Supervised Lender License
Maryland	19945	Mortgage Lender License
Massachusetts	ML129122	Mortgage Lender License
Michigan	FR0021534	1st Mortgage Broker/Lender/Servicer Registrant
Michigan	SR0021535	2nd Mortgage Broker/Lender Registrant
Minnesota	MN-MO-129122	Residential Mortgage Originator License
Minnesota	MN-MO-129122.2	Residential Mortgage Originator License Other Trade Name #2	Other Trade Name #2 - AmCap Home Loans
Minnesota	MN-MO-129122.3	Residential Mortgage Originator License Other Trade Name #3	Other Trade Name #3 - Gold Financial Services
Mississippi	237004	Mortgage Lender License
Missouri	18-2248-S	Company License	919 Wildwood Drive, Suite 102, Jefferson City, MO 65109
Montana	129122	Mortgage Lender License
Montana	129122	Mortgage Servicer License
Nebraska	NE129122	Mortgage Banker License	Regulated by the Nebraska Department of Banking and Finance.
Nebraska	n/a	Mortgage Banker License - Other Trade Name #2	Other Trade Name #2 - AmCap Home Loans - Regulated by the Nebraska Department of Banking and Finance.
New Hampshire	22690-MB	Mortgage Banker License
New Mexico	n/a	Mortgage Loan Company License	Regulated by the New Mexico Financial Institutions Division.
North Carolina	L-169446	Mortgage Lender License
North Dakota	MB102446	Money Broker License	Regulated by the North Dakota Department of Financial Institutions.
Ohio	RM.850264.000	Residential Mortgage Lending Act Certificate of Registration
Oklahoma	ML010021	Mortgage Lender License
Oklahoma	ML011027	Mortgage Lender License - Other Trade Name #1	Other Trade Name #1 - Gold Financial Services
Oklahoma	ML011821	Mortgage Lender License - Other Trade Name #3	Other Trade Name #3 - AmCap Home Loans
Oregon	ML-5441	Mortgage Lending License
Oregon	MS-16	Mortgage Servicer License
Pennsylvania	58074	Mortgage Lender License
Rhode Island	20193705LL	Lender License
South Carolina	MLS - 129122	Mortgage Lender / Servicer License
South Carolina	MLS - 129122 OTN #1	Mortgage Lender/Servicer License - Other Trade Name #1	Other Trade Name #1 - Gold Financial Services
South Carolina	MLS - 129122 OTN #2	Mortgage Lender/Servicer License - Other Trade Name #2	Other Trade Name #2 - AmCap Home Loans
South Dakota	ML.05067	Mortgage Lender License
Tennessee	121857	Mortgage License
Texas	129122	Mortgage Banker Registration	Texas Recovery Fund Notice - Linked in Footer
Utah	n/a	Residential First Mortgage Notification	DFI Residential First Mortgage Notification
Utah	8422458	Mortgage Entity License	Regulated by the Utah Department of Real Estate.
Utah	10783596	Mortgage Entity License - Other Trade Name #2	Other Trade Name #2 - AmCap Home Loans - Regulated by the Utah Department of Real Estate.
Washington	CL-129122	Consumer Loan Company License
Wisconsin	129122BA	Mortgage Banker License
Wisconsin	129122BR	Mortgage Broker License
Wyoming	2367	Mortgage Lender/Broker License