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Privacy & Security Policy This page is about your Privacy, the opportunities you deserve and the privacy you should expect from OpenOffer.com™ and its affiliates, herein the “Company” or “Company’s”. We will explain how we use your information in a safe, secure and responsible manner. We offer you products and services at a low cost with the lowest rates in the industry by using advanced technology tools like the web. Your convenience using our services online or at our location in San Diego is one of the most important components a company can have. Having said that we will not compromise our strict security & privacy policies and we are carefully selecting our business partners. èAbout our Web Site We strive to safeguard your data. We achieve it:
è Your protection is our priority Our systems automatically switch to "secure" mode when you are asked to enter personal information on the “Company’s” websites. To keep your data safe, we use: Encryption and authentication technology. Our website is design to blocks or limits online display of customer information when not necessary to the transaction. èCookies and Web beacons When you visit a website, a small file called a "cookie" may be saved to your computer’s hard drive during your visit. When you revisit the site, the website’s server may open the cookie file and access the stored information. You can usually set your browser to limit or let you know about cookies that a website places on your computer. A Web beacon is a graphic image (such as a pixel tag or clear GIF) that is placed on a web page or in an e-mail message to monitor user activity (such as whether the web page or e-mail message is read or clicked). They are often invisible because they are very small in size. They are also used on many web pages for alignment purposes. We sometimes use Web beacons to provide an independent accounting of how many people visit our websites or to gather statistics about browser usage at our websites. Some of our web pages and HTML-formatted e-mail newsletters use Web beacons in conjunction with cookies. It is difficult for you to limit the use of Web beacons because there is no easy way to distinguish their use from alignment and other purposes. They may be loaded from a different web server than the rest of the page. We designed many features on our website so new visitors may anonymously learn about our OpenOffering® process and intent to buy process without revealing their identity. For new visitors, we use "cookies" and Web beacons to collect limited data (such as the date, time and areas of our website visited and the website the new visitor came from, their IP address). When you select one of our products or services, or respond to marketing materials sent to you directly, we will try to identify your browser and may combine information from "cookies," Web beacons and other information collected online with any other data we maintain about you. By improving the marketing and content of our website and making your online experience more convenient, we are able to better serve our customers' Real Estate & financial needs. Cookies are required to operate our web site. You can have your Web browser disable "cookies." If you turn off "cookies," it is not possible for site to operate. è Benefit of Sharing To make products and services available, often at a savings to you, we may share some customer and former customer non-public personal information with business partners under an agreement requiring the partner to keep the information confidential and only use it for those offers. By contacting our members for their listings, you understand that we may share your information with the respective member. è How We Obtain & Use Information We collect information that you provide us on applications and other forms (such as your name, address, phone number, real estate license number, real estate office name etc – for more information go to Registration) and about you or your property from business partners and service providers (such as a property appraisal, purchase contract, local MLS, or membership number). We disclose some of this data to third parties (such as business partners, real estate agents, sellers & buyers of a real property). We may share some of this information with companies performing services on our behalf (such as the vendor who prepares our monthly statements). These service providers agree to keep the information confidential and not use it for any other purpose. Additionally, to provide you with valuable product and service offerings, we share limited information (such as a list of customers in a certain income range) within the “Company” and our family of online companies and with business partners who are obligated to maintain the confidentiality of your information. If you have any questions about our privacy policy, please send an e-mail message to Support[at]openoffer.com Or if you would like to Opt Out please email us at optout[at]openoffer.com. è Accuracy Of Your Information We commit to maintain accurate and up-to-date information on all of our customers. We may provide you with your information in many ways - over the phone, online via email from you requesting to update your information, paper statement via USPS, and other communications. If you believe any of your information is incorrect, please notify us immediately by calling us or email us at Support[at]openoffer.com. We will respond timely to your request to correct inaccurate account or transaction information. However, in order to protect your information, we may ask to verify your identity and for other details to respond to your request. We will not share information on our “Live Chat” feature. WE WILL NEVER ASK FOR YOUR SSN, BANK ACCOUNT OR DATE OF BIRTH. è Internet & Browser Security Recent versions of most internet browsers support the encrypted transmission of on-line documents and the data you enter on a web page. This means that instead of sending readable text, both your browser and the website's secure server encode all text using a security key. That way, personal data sent to your browser or data you send back would be extremely difficult to decode in the unlikely event it was intercepted by an unauthorized party. The key used for encoding is a random number that is unique to your session at the secure website. There are two grades of internet security: International-grade encryption uses a 40-bit random number negotiated between your browser and the web-server. This means that only one out of about 1,000,000,000,000 possible decoding keys can be used to decipher your data. Domestic-grade encryption uses a 128-bit key, so that the number of possible keys is vastly larger. Your internet session is encrypted if your security-enabled browser is connected to a website using the Secure Hypertext Transport Protocol. URL strings beginning with "HTTPS://" instead of the usual "HTTP://" indicate that the secure protocol is in effect. Your browser may also tell you if security is operating. For example, Netscape Navigator may display the icon in the lower left corner of your screen in secure mode. If 128-bit security is in effect, it shows the icon. Microsoft Internet Explorer shows a “lock” icon in either case. Note that security may be operating without any visible indication if the web page you are viewing employs frames. If secure transmission is not in effect or only part of a frame-based page is secure, Netscape shows the "broken key" icon, and Explorer does not show the "lock" icon. Most browsers can be set to give you a pop-up announcement when you enter or leave a secure web page. In Netscape, these settings are on the Security Preferences "General" tab. In IE, the setting is on the "Advanced" tab when you select "Options" on the View menu. Security may be operating without displaying any security icons (or Netscape may show the "broken key" icon) if only part of a frame-based page is employing security. You can verify the security of a page within a frame by opening it in a new browser window. Both IE and Netscape allow you to open a link in a new window by right-clicking on the link and selecting that option from the pop-up context menu. When a secure page is open in its own window, instead of being viewed within a frame, you can then see the security icons provided by your browser as well as the "https://" secure protocol prefix in the URL string. è Our Advertising We sometimes use third party advertising companies to serve our internet ad banners on our site and other sites on which we advertise. If you click on one of those ads, you will be directed to one of the “Company’s” sites offering that particular product or service or any other site outside of the “Company’s” network of sites. If you view a web page where our ads appear, the advertising company may place a cookie on your computer or use a Web beacon to access a cookie they previously placed on your computer. These companies do not collect information that can identify you personally, but may use information about your visits to our sites and other sites to measure the effectiveness of ads. We do not give any personally identifiable information to these companies. Unless you are first notified, these advertising companies do not link any online actions or cookie to any information that can be used to personally identify you (such as your name, address or e-mail address). The companies that distribute our ads are prohibited by contract from using information other than for the agreed upon purpose – to help us market our products and services and to measure response rates. Third party advertisers are subject to their own privacy policies. è Shared Secrets Shared secrets are the most common security method for accessing confidential information. A shared secret is something known to both the user and the holder of the confidential information. The most common shared secrets are a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a financial institutions or online merchants. Shared secrets form an integral part of user authentication in today's online environment. Protecting your shared secrets ensures that information accessed via those shared secrets is protected. You should never record your shared secrets electronically such as in documents or spreadsheets. In the event of a compromise of your computer hard drive, your shared secrets can be compromised as well placing all the data protected by those shared secrets at banks and merchants at risk. Likewise you should never store credit card numbers, expiration dates, bank account number, social security numbers, driver’s license number or other personal identifying information electronically on your computer for the same reason. Your shared secrets should never be revealed in response to unsolicited e-mails. Criminals attempt to obtain individual’s personal identifying information and use that information illegally such as to open and/or use credit cards, obtain phone or utility accounts, obtain loans, work, open bank accounts and/or pass fraudulent checks using a technique called ("phishing"). Criminals may also attempt to obtain that information over the phone posing as a survey taker, telemarketer or other unsolicited caller ("pretexting"). To minimize the potential compromise of your shared secrets, you should avoid commonly used secrets such as names (yours, your spouse's name, your children's, parents), common terms that appear in the dictionary (brute force attacks to crack passwords often use dictionaries in an attempt to randomly match the password), exclusively numbers (numbers range from 0 to 9 for each character where letters range from A to Z creating 26 potential variations or 52 if case sensitive). The best passwords are a combination of both letters and numbers where the letters do not spell words that could be found in a dictionary and the password is of sufficient length, 6 characters or preferably more, to make brute force attacks harder. We suggest you do not use shared secrets across multiple domains (e.g. websites). If you use the same logon and password while shopping or surfing online as you use for your bank, if one of the online merchant sites is compromised, your user ID and password could then be used to access your bank information. Not all website apply the same level of security to their database. The use of a single logon ID and password across multiple sites is only as secure at the least secure site. è Identity Theft Identity theft is when someone takes and uses your personal information (such as your name, social security or credit card number) without your permission to commit fraud or other crimes. These criminals take the identities of others to open new credit cards; obtain phone or utility accounts, loans, or employment; open bank accounts; and/or pass fraudulent checks. According to the FBI, identity theft is the fastest growing crime in America. Criminals gain access to personal information in many ways, but the most common method is to take it from the victim themselves - you. They steal mail (such as account statements, new checks and offers of credit) left in a mailbox, discarded in the trash or stored in an easy to get to location in your home or office. They take credit card and personal identification from your purse or wallet. Without knowing it, you may give the information directly to the criminal when you enter data at an unsecured or unknown website, or in response to a fraudulent request for account information through an unverified e-mail ("phishing"). Imposters also ask for information from you in unsolicited phone calls, tricking you into thinking it is someone you know, such as your bank ("pretexting"). Identity thieves can damage the credit reputations and lives of victims. Studies have shown that victims spend an average of $808 and 205 hours resolving the identity theft. Time and money is spent clearing credit reports, reporting the theft to lenders and merchants, and filing complaints with law enforcement and governmental agencies. One of the menacing problems of identity theft is that it can happen more than once. Once the initial incident is resolved, the thief may begin using the victim’s identity again after waiting 6 months to a year and the cycle begins all over again. Identity theft requires someone to gain access to your personal information. You can take steps to decrease the risk of someone stealing your information. Destroy papers you throw out. Shred or completely destroy any documents that contain personal information before discarding them in the trash. This includes information about you, your family, your home, or your accounts such as credit card solicitations, pre-approved credit offers, convenience checks contained in your statements, bills, cancelled checks, loan offerings, ATM or credit card receipts, insurance or tax information. Just as important are receipts from ATM’s or self-service devices such as gasoline pumps. Don’t just leave them behind or throw them in the trash. Criminals only need a few pieces of information about you to get credit in your name and access your existing accounts. Be careful who you give your information to over the telephone. Do not give out personal information such as your social security number, credit card or bank account numbers, or loan numbers over the phone to anyone who has called you without first confirming who you are speaking to, why they need the information and that they are who they claim to be. Guard your PINs. Never give out your Personal Identification Number (PIN). Memorize your PINs and never write them on your cards or carry them in your wallet. Report lost or stolen credit cards, checks or identification immediately. Store your personal information securely. Keep it where it is not easily available in the event of a burglary or other unauthorized access. Be cautious online. Make sure it is safe when you are asked to provide information at websites or with online merchants you do not have an existing relationship with. Always confirm that you are in a secure session before entering personal information online. Check your credit reports. Review your credit report regularly to identify any inquiries or accounts that you are not aware of and did not apply for. Protect your mailbox. If your residential mailbox is not secure, don’t put outgoing mail in the box and promptly pick up incoming mail or obtain a secure postal mailbox. Safeguard your checks. Never print your personal information such as a Social Security Number or driver’s license number on your checks. If you become a Victim of Identity theft you need to Contact the three major credit bureaus:
Ask them to send you a copy of your credit report and instruct them to place a fraud alert on your record. Once you receive the report, review it carefully. Contact any creditors listed that you did not apply for credit with and inform them that you have been a victim of identity theft. Instruct them to close the account, send you copies of the application and any transactions, and to promptly clear your credit record. Contact your local police or sheriff’s department and file an identity theft complaint. File a complaint with the Federal Trade Commission at www.consumer.gov/idtheft or via their hotline at 1-877-IDTHEFT (438-4338).
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