Privacy Policy

We at Pangea Mortgage Capital know the importance of protecting the privacy of our visitors’ personal information and we want you to know what information we gather from our website and how the information is used.

The types of information we gather about our visitors may include 1) data that visitors provide through optional, voluntary registration on our site; and 2) data collected through aggregated tracking, mainly by counting the views of visitors to the site. By tracking such counts, we are able tailor our content to fit our visitors’ needs. “Information” means information that identifies you as an individual, and can include, but is not limited to, your name, email address, phone number, mailing address and age. We will not disclose Information to third parties without your consent, except as may be noted in this Privacy Policy or disclosed to you when the Information is submitted. We collect only Information that has been specifically requested from you, which generally occurs when you register at our site or request information. The use of information you provide is used for operating the site and to deliver services or information to you. You agree that the Information you provide will be true and accurate and consent to verification of such by Pangea Mortgage Capital. The web site is not targeted or directed at children under the age of 13. If you believe that a child under the age of 13 has provided us with his or her information, please notify us immediately.

Usage tracking

Internet Protocol (“IP”) Addresses

An IP address is a unique number that is automatically assigned to your computer whenever you’re using the Internet so that your computer can be identified by the web server. We collect IP addresses for the purposes of system administration and to audit the use of our site. When visitors request pages from our site, our servers log the visitors’ IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a visitor’s session will be logged, but the visitor will remain anonymous to us. We can and will use IP addresses to identify a visitor when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, visitors or others.

Cookies

Cookies are small pieces of information that a Web site sends to your computer for record-keeping purposes and the information is stored in a file on your computer. They make surfing the internet quicker for you by saving your preferences so that the saved information can be used to facilitate your next visit to our site. They do not tell us your individual identity unless you have chosen to provide it to us. The use of cookies is an industry standard, and as such, you’ll find that most major Web sites use them.

Cookies are a valuable tool to us in determining the popularity of certain areas of our site so that we can see what improvements would be most beneficial to our visitors. Cookies typically expire after a defined period of time, and you can delete your cookie file whenever you wish. Or you can set your internet brown to simply refuse all cookies or indicate to you whenever a cookie is sent. Some parts of our services, though, such as the ability to set personal preferences, will not function properly or may be considerably slower if you refuse cookies.

We use cookies to note a visitor’s preferences so that certain search terms, such as home features, do not have to be repeated again and again. We also use cookies to track trends and patters of our visitors’ web site usage in order to better adapt our site to our visitors’ needs.

Sharing your information

Our website includes registration forms that require you to give us personal Information. We use contact information from the registration forms to send you information related to our products and services if you consent to receiving such mailings. Your contact information may also be used to contact you for administrative purposes and to send you newsletters or promotion offerings that you ask to receive or to tell you about changes to the website.

We will not disclose any specific personal information that you submit to us about you in a manner that connects you with the information, except when we have your permission. We may disclose account Information in special cases when we have reason to believe that disclosing this Information is necessary to identify, contact or bring legal action against any person who may be violating our terms of use or terms of service, or may be causing injury to or interference (either intentionally or unintentionally) with any of our rights or property. We may disclose or access Information to comply with the law, court orders or legal process served on us, and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

Opting out of Email services: If you take advantage of receiving email notification features on our site, then you will receive email updates as described on the side. You have the opportunity to opt-out of receiving any email communications from us. To purge your name from an email service, merely click on the “unsubscribe” link at the bottom of the email and follow the instructions provided.

To update, correct, or delete personal Information or to object to any usage of your information, you may call our office at (312) 985-0806 or send us an email at [email protected].

Links to third party sites

When you are on our sites you might hyperlink to another site which is beyond our control and/or outside our service. For example, if you “click” on a banner advertisement or a pangeamortgage.com search result, the “click” may transfer you off our site. It is possible that these sites are sites of advertisers, sponsors and partners that may use our affiliates’ or our logo as part of a co-branding agreement and these other sites may send their own cookies, collect data, or solicit Information.

We do not control those sites and are not responsible for their contents or the hyperlinks or advertising they choose to place on their sites. Including hyperlinks to these sites does not imply any endorsement of the material on such sites or any association with their operators. While we strive to protect our visitors’ information and privacy, we cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.

The importance of security of all visitor’s information is of vital concern to us and we exercise great care in providing secure transmission of your information, but data transmitted over the Internet can ever be 100% secure and we can’t warrant the security of information you transmit and you do so at your own risk.

Disclaimer

THE WEBSITE IS PROVIDED “AS IS”, “AS AVAILABLE”, AND WITHOUT ANY WARRANTIES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY REGARDING THE QUALITY OR ACCURACY OF ANY INFORMATION OBTAINED FROM OR AVAILABLE THROUGH USE OF THE WEB SITE OR THAT THE WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE. PANGEA MORTGAGE CAPITAL MAKES NO WARRANTY THAT ANY DEFECTS, WHETHER KNOWN OR UNKNOWN WILL BE CORRECTED, OR THAT THE WEB SITE WILL BE VIRUS-FREE. PANGEA MORTGAGE CAPITAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN THE STATES THAT DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, PANGEA MORTAGE CAPITAL’S LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

Your acceptance of these terms

By using this site, you signify your agreement to our Privacy Policy. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS SITE. Your continued use of our site following the posting of changes to these terms will mean you accept those changes.