What information do we collect?
We collect information from you when you fill out a form.
Any data we request that is not required will be specified as voluntary or optional.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
The email address you provide for order processing, may be used to send you information and updates pertaining to your order or request, in addition to receiving occasional company news, updates, promotions, related product or service information, etc.
Note: If at any time you would like to unsubscribe from receiving future emails, please send an email to email@example.com with the word REMOVE in the subject line. All requests will be processed in 24-72 hours.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you submit a request or access your personal information.
These security measures include: password protected directories and databases to safeguard your information or SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the Internet securely.
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
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’s Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information.
This policy was last modified on 01/01/2014
7660 Fay Ave. Suite H399
La Jolla, CA 92037
If at anytime you have a cause that needs to be disputed please fill out the Trust Guard Dispute Resolution form.
4MortgageQuotes.com is not acting as a lender or broker and does not make loans, loan commitments or lock-rates. The information provided by you to 4MortgageQuotes.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and and/or other factors and criteria determined by the lenders to whom you are matched. 4MortgageQuotes.com does not offer its matching services in all states. Not all consumers will qualify for the advertised rates, programs and terms.
Quinstreet Media Inc.
950 Tower Lane, 6th Floor, Foster City, CA 94404
General Information: (650) 578-7700
GuideToLenders.com ("GTL") is a website owned and operated by Quinstreet Media, Inc. QuinStreet Media, Inc. and its affiliated companies, including QuinStreet Properties, Inc., a California corporation, use GTL as the site of a virtual marketplace where interested consumers can be made aware of lenders and mortgage brokers who are seeking the opportunity to do business with people like them living in their area. QuinStreet Media, Inc. is a California corporation with its corporate headquarters in Foster City, California. QuinStreet Properties Inc. is a California corporation with its headquarters in Foster City, California. In the remainder of this document QuinStreet Media, Inc. and all of its affiliated companies engaged in the services provided via GTL are referred to collectively as QuinStreet Media. QuinStreet Media does not make loans or make any credit decisions in connection with loans. QuinStreet Media does not issue loan commitments or lock-in agreements. QuinStreet Media is not an agent of either you the consumer or of any participating bank, lender or mortgage broker (referred to in the rest of this document as "Lenders"). QuinStreet Media Inc. provides administrative and marketplace services only. You must rely on your own judgment in deciding which available loan product best suits your needs and financial means and whether or not to work with any Lender of which you become aware via GTL. You are under no obligation to use GTL or QuinStreet Media to begin any financing process. QuinStreet Media does not guarantee that submitting requested information on GTL will result in the origination of a loan from a Lender. The information you submit to Quinstreet Media is NOT an application for credit. Quinstreet Media merely provides your information to certain lenders so that they may contact you directly. QuinStreet Media cannot guarantee that you will receive a loan with the most advantageous rate or terms or that better rates and terms are not available from Lenders in your area not participating in the GTL marketplace. You will have to complete an application with a Lender before they will extend an unconditional loan offer. The Lender you select may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fees. The Lender must provide you with certain information regarding whether any such fees are non-refundable. QuinStreet Media does not charge you, the consumer, any fees for its services. QuinStreet Media receives its compensation directly from Lenders for the services provided. QuinStreet Media's compensation may vary, but will never exceed $200.00 per lead.
QuinStreet Media Inc. will forward the information you provide to certain Lenders. These Lenders must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA) and other federal and state laws. These disclosures include details of your cost of credit, good faith estimates of your settlement costs, certain HUD mandated booklets, notice that your mortgage loan servicing may be transferred and your right to a copy of any appraisal performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission administers compliance with these laws and may be contacted at: The Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. The foregoing requirements are mandatory for Lenders, however Quinstreet Media makes no representations as to the adequacy or compliance on behalf of any Lender.
Certain States may require QuinStreet Media to obtain a license in order to provide these services within their state. Other States may not. Some States may require additional information disclosures be given to you in connection with the provision of these services. QuinStreet Media reserves the right to refuse to accept or use the information you provide if such acceptance or use would constitute a violation of law or the terms and conditions of use for the GTL site www.guidetolenders.com. The following statements provide information that may be applicable to you if you reside in, or are considering the purchase of property in one of the listed States.
State mortgage regulators launched the Nationwide Mortgage Licensing System (“NMLS”) in January, 2008 to provide centralized and standardized online license management. The process of transitioning each state’s mortgage licensees to the NMLS has continued since the launch with the assignment of Unique Identification Numbers to facilitate licensee oversight and accountability. More information about the NMLS is available at www.stateregistry.org.
The Unique Identification Number assigned to QuinStreet Media, Inc. is 2547.
The Unique Identification Number assigned to QuinStreet Properties, Inc. is 138953.
Arizona Mortgage Broker License No. MB 0908346
In California, GTL marketplace services are provided exclusively by QuinStreet Properties Inc. pursuant to agreements with QuinStreet Media. QuinStreet Properties, Inc. is a Licensed Real Estate Broker. License Number 01422565. You may call the California Department of Real Estate at 916.227.0931
QuinStreet Properties, Inc. does not make mortgage loans or commitments.
If the information you submit is forwarded to a Lender and that Lender subsequently makes you an offer, then Lender must provide to you a good faith estimate required under RESPA and an initial disclosure statement required under TILA within three business days from the date you submit an application with the Lender.
If the Lender denies your request for credit, and that action is based in whole or in part on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.
An applicant, if married, may apply for a separate account.
Mortgage Fee Disclosure
QuinStreet Properties Inc. will receive a fee of between $4.00 and $200.00 from potential and actual Lenders for its services.
QuinStreet Properties Inc. will receive these fees whether or not you close your loan with any specific Lender. This amount is the total amount QuinStreet Properties Inc. receives, and Lenders pay this fee directly to QuinStreet Properties Inc. outside of closing. You, the consumer, acknowledge that these fees will be paid to QuinStreet Properties Inc. outside of closing, and that there is no other mortgage broker fee agreement between us.
The Housing Financial Discrimination Act of 1977 Fair Lending Notice It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and condition, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or:
Department of Real Estate
P.O. Box 187000
Sacramento, CA 95808-7000
Department of Corporations
320 West 4th Street
Los Angeles, CA 90013-1105
Connecticut Mortgage Broker License No. 16225
QuinStreet Media is a BROKER ONLY, NOT A LENDER.
The Connecticut Home Mortgage Disclosure Act prohibits discrimination against home purchase loan, home improvement loan or other mortgage loan applicants on one-to-four-family owner-occupied residential real property solely because such property is located in a low-income or moderate-income neighborhood or geographical area. (Conn. Gen. Statutes, Chapter 669, Part IX). The agency which enforces compliance with this law is:
Department of Banking
260 Constitution Plaza
Hartford, Connecticut 06103
If you believe you have been unfairly discriminated against, you may file a written complaint with the Commissioner of Banking at the above address.
DC Mortgage Broker License No. 6031
If the information you supplied to QuinStreet Media is forwarded to a Lender, the Lender may issue to you a Financing Agreement in accordance with D.C. Code Ann.§ 1113. If such a Financing Agreement is issued on a single to 4-family home to be occupied by the borrower the Lender must provide the following information:
(A) The term and principal amount of the loan; (B) An explanation of the type of mortgage loan being offered; (C) The rate of interest that will apply to the loan and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) The points and all fees, if any, to be paid by the borrower or the seller, or both; and (E) The term during which the financing agreement remains in effect.
If all the provisions of the financing agreement are not subject to future determination, change, or alteration, the financing agreement shall constitute a final binding agreement between the parties as to the items covered by the financing agreement.
The financing agreement executed by the Lender shall be delivered to the borrower at least 72 hours before the time of settlement agreed to by the parties.
A borrower aggrieved by any violation of this section shall be entitled to bring a civil suit for damages, including reasonable attorney's fees, against the Lender.
In Georgia, GTL marketplace services are provided exclusively by QuinStreet Properties Inc. pursuant to agreements with QuinStreet Media. QuinStreet Properties, Inc. is Georgia Residential Mortgage Licensee # 21664.
Illinois Residential Mortgage Licensee No. MB.6759977
If the information you supplied is provided to a Lender, then that Lender must provide you with certain information pursuant to the Residential Mortgage License Act of 1987 and the Rules promulgated thereunder. You may also receive from the potential Lender additional materials and documents required to complete your loan application with the Lender.
QuinStreet Media does not make loans. Quinstreet Media will not collect any fee directly from you, the consumer. Quinstreet Media will be paid directly by potential Lenders, not by you the consumer. QuinStreet Media cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. The Lender you select will provide the funds for your loan and is responsible for the availability of those funds.
If QuinStreet Media makes false or misleading statements, you may, upon written notice, void this agreement, recover any monies you paid to QuinStreet Media for which no services have been performed, and recover actual costs including attorney's fees for enforcing your rights under this agreement. If you believe your rights have been violated you may also contact:
IDFPR - Division of Banking
Consumer Services Section
122 S. Michigan Avenue, Suite 1900
Chicago, Illinois 60603
Illinois Residents submitting information to the GTL site will be deemed to have agreed to be bound by the foregoing provisions.
Kansas Mortgage Company No. MC.0001495.
QuinStreet Media is a mortgage business registered with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This registration does not represent an endorsement or recommendation of the registrant's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.
Maine Credit Services Organization, Registration No. CS07787
By clicking the "submit" button you authorize Lenders to whom your personal data is submitted by QuinStreet Media, to request your consumer credit report. At your written request, you will be informed whether or not a consumer report was requested, and if a report was requested, you will be informed of the name and address of the consumer reporting agency that furnished the report.
QuinStreet Media will not act as your lender or credit provider. QuinStreet Media will submit the information you provide to potential Lenders and those Lenders may contact you with their offers. QuinStreet Media does not accept any fees from the consumer, including third party fees. A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.
MAINE RESIDENTS WHO SUBMIT ANY INFORMATION TO THE GTL WEBSITE WILL BE DEEMED TO HAVE AGREED TO BE BOUND BY THE FOREGOING PROVISIONS.
Maryland Mortgage Lender, License No. 13053
QuinStreet Media will not seek or accept fees from consumers submitting an inquiry. If the information you supply is forwarded to a potential Lender, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§12-125, 1013. The Financing Agreement must contain: (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate, and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points and fees to be paid by you and the Lender; and (5) the term in which the Financing Agreement remains in effect.
MASSACHUSETTS MORTGAGE BROKER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTON REGULATIONS
BROKER'S LICENSE NO. MB4326
QUINSTREET MEDIA, INC.
950 TOWER LANE, 6TH FLR
FOSTER CITY, CA 94404
QuinStreet Media does not accept payment directly from you, the consumer. We may receive a fee from the Lender you select. The amount of that fee can range from $11 to $200. We are a mortgage broker within the meaning of applicable law. We do not make mortgage loans. We cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. Our services consist of collecting information from you and with your authorization forwarding this information to Lenders that have indicated to us their interest in offering mortgage loans. While those Lenders may be able to offer you loans in the amount, and with the interest rate and payment rates you are seeking, we cannot guarantee their results. You may contact other Lenders or Brokers. Nothing obligates you to complete the mortgage application with Lenders directed to you from us. It is important for you to realize that:
CLOSING AND SETTLEMENT COSTS MAY VARY AMONG MORTGAGE LENDERS. YOU MAY WISH TO COMPARE THESE CHARGES IN CONSIDERING THE TOTAL COST OF YOUR MORTGAGE.
If you are contacted by a potential Lender you should be aware that:
In addition to the above, if the Lender takes a loan application from you it is obligated to provide you the following information:
The Federal Equal Credit Opportunity Act and comparable provisions of Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant's income derives from any public assistance program. The Federal Equal Credit Opportunity Act also prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The state agency that administers compliance with the state law is the
Massachusetts Commission Against Discrimination
One Ashburton Place
Boston, Massachusetts 02108
In addition to the information provided to you as outlined above, the Lender must provide you with the following: