Privacy Policy and Legal Disclaimer
Legal Disclaimer
National Mortgage Assistance Center (NMAC) is not a government sponsored or approved
website or a mortgage relief service. NMAC matches consumers
with law firm partners in our network, at no cost, that may offer foreclosure
prevention services. By submitting your information you agree to
be contacted by law firm partners in our network, even if you are on the
state or federal Do Not Call list, to discuss your options.
NMAC does not send any text messages, SMS messages, robo calls
and/or automated software calling. A certain outcome is not guaranteed by engaging with these
law firms. Lenders may not agree to change a consumer's loan. NMAC is not affiliated with
or approved by any mortgage lender. Information and notices on
this website are intended as general research and information
and are not intended as financial or legal advice.
Per FTC requirements, any person who
negotiates, attempts to negotiate, arranges, attempts to
arrange, or otherwise offers to perform a mortgage loan
modification or other form of mortgage loan forbearance for a
fee or other compensation paid by the borrower, shall provide
the following to the borrower, as a separate statement, in not
less than 14-point bold type, prior to entering into any fee
agreement with the borrower: It is not necessary to pay a third
party to arrange for a loan modification or other form of
forbearance from your mortgage lender or servicer. You may call
your lender directly to ask for a change in your loan terms.
Nonprofit housing counseling agencies also offer these and other
forms of borrower assistance free of charge. A list of nonprofit
housing counseling agencies approved by the United States
Department of Housing and Urban Development (HUD) is available
from your local HUD office or by visiting
www.hud.gov.
- NMAC does not guarantee loan modification or foreclosure prevention
- NMAC does not charge any fee's. Only law firms can
charge fees for services provided by a law firm.
- NMAC encourage users NOT to transfer or surrender property titles or offer to buy house at a below-market price
- NMAC encourage users NOT to bypass the lender and make payments directly to
any company or other third party
- NMAC encourage users to contact their lender, lawyer,
credit counselor, or housing counselor
- NMAC complies with all state and local regulations related to
marketing mortgage modification and foreclosure prevention services
State of California Loan Modification Disclosure Requirements
"Any person who negotiates, attempts to negotiate, arranges,
attempts to arrange, or otherwise offers to perform a mortgage
loan modification or other form of mortgage loan forbearance for
a fee or other compensation paid by the borrower, is required
provide the following to the borrower, as a separate statement,
in not less than 14-point bold type, prior to entering into any
fee agreement with the borrower:
It is not necessary to pay a third party to arrange for a loan
modification or other form of forbearance from your mortgage
lender or servicer. You may call your lender directly to ask for
a change in your loan terms. Nonprofit housing counseling
agencies also offer these and other forms of borrower assistance
free of charge. A list of nonprofit housing counseling agencies
approved by the United States Department of Housing and Urban
Development (HUD) is available from your local HUD office or by
visiting www.hud.gov.
If loan modification or other mortgage loan forbearance services
are offered or negotiated in Spanish, Chinese, Tagalog,
Vietnamese, or Korean, then the above noted disclosure must be
provided to the consumer in the language in which the services
are discussed or offered."
Indemnification
You agree to indemnify, defend, and hold harmless The National
Mortgage Assistance Center (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees, agents, licensors, suppliers and any third-party information providers) against all claims, losses, expenses, damages and costs (including reasonable attorney fees) resulting from any representations, warranties and covenants made by you herein. Your indemnification obligation shall survive the termination of this agreement.
National Mortgage Assistance Center (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees and agents) reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with National Student Debt Association defense of any such claims.
National Mortgage Assistance Center will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
Your privacy is important to us! We hate spam as much as
you do.
- National Mortgage Assistance Center (NMAC) does
not collect personal information in exchange for any
free gifts or quiz/survey results.
- The personal information that is collected is only
the information that you enter into the Quick Quote
Form at
http://www.nmacenter.org/ or
http://www.nmacenter.org/applytoday.asp.
- Your information will be referred to a foreclosure
prevention law firm at no charge to you. The law firm
may call you to evaluate your situation and provide
assistance if you qualify.
- Your information is securely posted directly into the law firm's CRM system.
- You can request to modify or delete your personal
information by emailing the law firm directly and
optout @ nmacenter.org.
- You can request to opt-out of future
communications from NMAC by emailing optout @ nmacenter.org.
- You can request to opt-out of future
communications from the law firm by emailing and/or
calling them directly.
How We Protect Your Privacy
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.
Who We Are and What We Do
National Mortgage Assistance Center (NMAC) is an online consumer
service that introduces people who are interested in the
services that we promote on our website at no cost to our law
firm/business affiliates who have expressed a general
willingness to review your information and determine if they are
willing to provide you with the services that prompted you to
visit our website. When you visit our website, you will be
requested to complete provide certain information that our
law firm/business affiliates request in order to perform a preliminary
analysis of your qualifications to receive the service or
products. Based upon your consent, as evidenced by your
registering with us on this Site (i.e., your submission of the
requested information on the application), we will forward the
information that you provided to certain of our law firm/business
affiliates. You are under no obligation to accept any service or
product with any of our law firm/business affiliates offered.
By registering on this Site through the submission of the
information requested, you agree that the following terms and
conditions of this Privacy Policy shall govern our use and
disclosure of your personal information. If you do not agree
with the terms and conditions of our Privacy Policy, please do
not complete the information request form (i.e., do not
register) or otherwise use or access this Site. If you have
already registered by completing the information disclosure
forms, and you wish to opt-out from receiving more information
from us, please email info@nmacenter.org. Your e-mail address
will be added to the suppression files associated with this Site
within 5 business days of your request. Thereafter, you should
not receive any email correspondence from us. However you may
receive promotional communications from our third party law firm
partners with whom we have shared your information. To stop
receiving further communications from these third party law
firms, you will need to contact them directly in order to
opt-out. Please note when you opt-out of receiving promotional
communications from us, we will no longer make your information
available to our law firm/third party partners. This Web site is not
directed at persons under the age of 18.
This Privacy Policy describes in some detail the information
that we collect from you as part of the normal operation of our
service, and what may happen to the information we collect. By
submitting your personal information, you are entrusting us to
handle information that you regard as private, for the purposes
and in the manner set forth in this Privacy Policy. In exchange
for your trust, you expect us to handle your personal and
private information in a professional manner that will be in
keeping with your trust. Our Privacy Policy explains what
information we obtain on this Website, and how we use the
information disclosed to us to link you to our law firm/business
affiliates who have expressed a willingness to provide you with
the products and services associated with this Site.
What We Collect
The information that we collect is limited to very basic
personal information about you that our law firm/business affiliates
consider necessary for performing a preliminary evaluation of
your qualifications: name; state; e-mail address; telephone
number; if you behind in payments; what is your estimated loan
balance, and who is your lender.
We also collect user information that can help us determine what
search engine you came from when you visit our Website so that
we know what marketing sources are working. In some cases, we
may place a cookie in your browser. The aforementioned
information cannot, by itself, be used to gather any personally
identifiable information about you, but it will allow us to
track the overall effectiveness of our online advertising
campaigns. This non personally identifiable information may
include the Internet address or URL that you just came from and
which URL you go to next; your computer browser information; and
your IP address. Third parties may also set cookies on our sites
to determine proper Website usage and click count statistics.
How We Use Your Information
NMAC securely post (send) the information that you type into our
“Quick Quote Application” form
(http://nmacenter.org/applytoday.asp) to our law firm /business
affiliate’s CRM system, an online software that allows them to
manage incoming leads. After we submit your information to our
law firm/business affiliates, they may begin a
separate and independent evaluation of the information you
submitted (the " Quick Quote Application"). If our law firm/
business affiliates find that the Quick Quote Application meets
with their more specific acceptance criterion, they may contact
you directly by phone and/or e-mail. For more information on how
our law firm /business affiliates will handle your personal
information, please visit thier
Website and review their privacy policy. We are not responsible
for the privacy practices or the content of our law firm
/business affiliates' Websites.
California Online Privacy Protection Act
Compliance
Because we value your privacy we have taken the necessary
precautions to be in compliance with the California Online
Privacy Protection Act. We therefore will not distribute
your personal information to outside parties without your
consent.
Children
Consistent with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
Your Consent
By using our site, you consent to our website's privacy policy. By filling out our form with your contact information, you are granting permission to be contacted regardless if you are any government Do-Not-Call list.
Changes to our Privacy Policy
If we decide to change our privacy policy, we will post
those changes on this page.
Contact Us
If you have any questions or suggestions regarding our privacy
policy, please contact us at:
National Mortgage Assistance Center
(888) 280-4014
17702 Mitchell N.
Irvine, CA 92614
info@nmacenter.org
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