Privacy Policy

LeadZumba.com is operated by LeadZumba.com, a New Jersey limited liability company. Your privacy is the top priority for us and we are committed to protecting your privacy online. Our Online Privacy Policy is designed to advise you about how we collect, use, and protect information about you. By visiting this site, you are accepting the practices described in this Online Privacy Policy.

Type of Information We Collect

We will collect and use information about you ("Information") to respond to your request for products and services offered through this website. We will also collect Information in order to notify you about products, services, and other opportunities we think will be of interest to you. The Information we collect may be of the following types:

1. Personal Information
Personal Information means any information specifically attributable to you, such as your name, address, date of birth, driver's license number, etc.

2. Demographic Information
Demographic Information, which may include Personal Information, refers to statistical information to categorize various populations, and includes your gender, zip code, occupation, level of education, and age.

3. Automatic Information
When you visit a website, your computer discloses certain information, such as your Internet Protocol (IP) address and the time of your visit. This site, like many other sites, records this basic information about visits to our site.

Sources of Information We Collect

1. Information Provided by You
We may collect any Information you provide to us by entering it through on our website or otherwise. This includes Information you provide in connection with obtaining quotes for home purchase loans, home refinance loans, or home equity loans. You can choose not to provide certain Information, but you may not be able to take advantage of our services and features. In addition, we may collect Information from you when you register to receive communications from us or any of our business partners. Moreover, we may collect Information you provide to us when you enter promotions or sweepstakes offered by LeadZumba.com. Finally, we may collect Information you provide to us through telephone and web based surveys, customer service correspondence, and general feedback.

2. Information We Receive from Third Parties
We might receive Information about you from other online or offline sources and may add that Information to your existing account and/or our database.

Circumstances Under Which Your Information is Shared

We share Information about you under the following circumstances:

1. Loan Product or Service Requests
If you submit a request for quotes for a loan product or service offered through this website, we will share the Personal Information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value, etc.) with lenders, which include banks, mortgage lenders and brokers (collectively, "Lender" or "Lenders") in our lender/loan modification network to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with Lenders in our network. In addition, Lenders that receive your Personal Information may use that information to obtain your credit report and credit score in order to process and fulfill your request.

All Lenders in our network have entered into agreements with LeadZumba.com, and are required to comply with federal and state privacy regulations. By submitting your request to LeadZumba.com, you understand that Lenders may contact you by telephone (where in your conversation may be recorded), email, or regular mail based on the Information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Loan Modification Agencies contacts you and you wish not to be contacted again by that Agency with respect to your inquiry, then you should specifically make a request to that Agency not to contact you again. Please note that the Agencies may maintain the Information you provided whether you elect to use their services.

2. Information Shared With Our Vendors
We sometimes disclose the Information we collect to companies that operate various services for us such as marketing distribution, advertising, or certain product functionalities. These vendors only have access to Information as needed to perform their functions, and may not share it with others or use it for any other purpose.

3. Information Shared With Our Affiliate Partners
Information submitted through the "Affiliate Program" section of our website is collected by our partners, and is subject to their policies and procedures. Please review their privacy policy before submitting your Information through this section of our website.

4. Information Shared With Our Subsidiaries, Parent or Sister Companies
We may share Information with our subsidiaries, parent company, or sister companies. For example, we may share your Information with VebLeads.com.

5. As Required or Permitted by Law
We may be required or permitted to share your Information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share Information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of LeadZumba.com's Terms of Use, or as otherwise required by law.

6. Merger or Acquisition
As with any other business, it is possible that LeadZumba.com, in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the Information maintained by LeadZumba.com, including your Personal Information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.

Cookies and IP Addresses

To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used LeadZumba.com. Cookies are not tied to your Personal Information. Additionally, we may capture click-stream data on some of our partners' websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.

We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Refusing Cookies: We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to perform this task.

Third Party Marketing

Third Party Ad Servers
You may receive advertisements for LeadZumba.com from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising LeadZumba.com or any of its subsidiaries. Please note that such advertisements are served by the third party website that you have visited and are not controlled by LeadZumba.com or VebLeads.com. In addition, such advertisements may be placed by third party ad servers or ad networks such as DoubleClick. These companies may employ cookies and action tags to measure advertising effectiveness. You may find more information at the website of either the individual ad network or the Network Advertising Initiative.

Third Party Advertisers
Please note that LeadZumba.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.

Marketing Email Options
By submitting your information you are registering to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to LeadZumba.com Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails).

How We Securely Store and Safeguard Your Information

The security of your Information is very important at LeadZumba.com and we take a number of steps to safeguard it. For example:

Internal Security Measures
We use security software to protect the confidentiality of your personal information. In addition, our business practices are reviewed periodically for compliance with policies and procedures governing the security and confidentiality of our information. Our business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons.

Password Protection
Your access to some services and content is password protected. We advise that you do not disclose your password to anyone. In addition, we recommend you sign out of password-protected services at the end of your session.

A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Framing
In some cases, we may use third parties to operate portions of the LeadZumba.com website. Although the particular section of the website may have a similar appearance as the LeadZumba.com site due to framing and other techniques, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated. For example, Personal Information submitted through our Affiliate Program is subject to that parties / or their privacy policy.

Changes to this Online Privacy Policy
LeadZumba.com may update or modify this Online Privacy Policy from time to time. If there are material changes to this Online Privacy Policy or in how LeadZumba.com will use your Information, we will post such changes here. You will be notified if any of the material changes that affect the use of your Information and asked to opt-in to the new use of your Information. If you do not agree with the changes to how your Information will be used, please do not continue to use this website.

Accessing Your Information
You can request access to all your Information by sending an e-mail.
Your Use of This Website Constitutes Your Agreement to the Terms of the Online Privacy Policy

By using this site, you signify your assent to the terms contained in this LeadZumba.com Privacy Information Page. If you do not agree to this Online Privacy Policy, please do not use any of the LeadZumba.com site. When you request rate quotes or other information through LeadZumba.com, you are authorizing us to share Information with our business partners, who will contact you by phone, email, or mail or any other means of communication available now or in the future. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this Online Privacy Policy at any time. Please check this Privacy Information Page each time you use our website to ensure you are aware of any changes in our privacy practices. The top of this page will indicated the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Online Privacy Policy.

Conclusion
LeadZumba.com is committed to protecting the privacy of consumers. If you have any questions, comments or concerns regarding our Online Privacy Policy and its implementation, please do not hesitate to e-mail us.