Privacy Policy

Problem Solving Mortgages, LLC and its subsidiaries (collectively, “Problem Solving Lenders”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to this site www.Problem Solving Mortgages.com and all websites owned and operated by Problem Solving Mortgages on which this privacy policy is displayed (such websites referred to hereafter as the “Site”, whether individually or collectively) as well as the Problem Solving Mortgages Business. The Problem Solving Mortgages Business includes, but is not necessarily limited to the business conducted on the Site and through the following entities, divisions, or brands:

  • Problem Solving Mortgages, Inc.
  • Problem Solving Mortgages, LLC
  • Problem Solving Lenders
  • Credit Solving Lenders
  • Credit Solving Mortgages
  • Problem Solving Lender
  • Income Solving Mortgages
  • Income Solving Lenders

1. Information We Collect

  • a Personally Identifiable Information: We collect personally identifiable information that can identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number (collectively, “Personally Identifiable Information” or “PII”). PII could also be information you provide on others, such as co-borrowers.
  • b Non-Personally Identifiable Information: We also collect information such as demographic data, data about your online activity, and other information which could not be used to identify you (collectively, “Non-Personally Identifiable Information” or “NPII”).
  • Information: PII and NPII are known together as “Information”.

2. How We Collect Information

  • a Information provided by you: Information is collected from you when you enter information in connection with an inquiry into our services. This Information could be provided via an online form, over the phone, or via other means in which you interact with our services.
  • b Information from service providers: Information is collected from third party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information. .
  • c Information from cookies and other tracking technologies: Like many websites, we use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other Information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.

3. How We Use Information

  • a In General: We may use Information to:
    • i. Deliver the products and services you requested
    • ii. Improve customer service
    • iii. Improve our Site
    • iv. Personalize your user experience
    • v. Communicate with you about products or services that may be of interest to you
    • vi. Manage our business

4. Who Do We Share Your Information With?

  • a Problem Solving Mortgages Business: We may share your Information with the Problem Solving Mortgages Business.
  • b Network Partners: In submitting an inquiry for a loan product or other service provided through this website, you agree that Problem Solving Mortgages may share your Information with lenders and other third parties which provide services to our consumers (including, for example, real estate agents or debt relief companies) in our network (collectively, “Network Partners”) to deliver the products and services your requested. PLEASE NOTE: the Network Partners with which you are matched may retain or use your Information whether or not you use their services. You should contact these Network Partners directly concerning their privacy and information sharing practices.
  • c Problem Solving Mortgages Vendors: We may share your Information with vendors that perform certain services on our behalf (“Problem Solving Mortgages Vendors”) including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.
  • d Other Situations: We may also disclose your information at our sole discretion:
    • i. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
    • ii. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the Problem Solving Mortgages Business, our users, our employees, or others; or to enforce our Site’s terms and condition or other agreements or policies.
    • iii. In connection with a substantial corporate transaction involving the Problem Solving Mortgages Business, such as a sale of Problem Solving Mortgages or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
    • iv. In connection with state and/or federal licensing requirements regarding the reporting of Information contained in the loan inquiries we receive from you. You authorize Problem Solving Mortgages to obtain any and all required information from the Network Partners you were matched with in order for Problem Solving Mortgages to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
    • v. We may share Non-Personally Identifiable Information with third parties in our discretion.

Unsubscribe

  • a Unsubscribe: If at any time you do not wish to receive communications from the Problem Solving Mortgages Business, you may modify your preferences through your MyProblem Solving Mortgages profile. In addition, you may email privacy@Problem Solving Mortgages.com to unsubscribe. There may be an unsubscribe link at the bottom of emails sent from the Problem Solving Mortgages Business.
  • b. Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from Problem Solving Mortgages Business. Some of these advertising companies may be networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies. The opt-out is available at http://optout.networkadvertising.org/#!/

Updating and Accessing Your Information

  • a The appropriate method(s) for accessing your Information, if any, will depend on which Site or services you have used. Depending on the respective Site or service, you may have the ability to view or edit some of your Information online. If you have submitted a loan request with a Problem Solving Mortgages Business, you can update your personal information by contacting our Customer Care Department at customercare@ProblemSolvingMortgages.com. Our address is 14 Christopher Mills Dr., Mt. Laurel, NJ 08054.

Changes to this Privacy Policy

Problem Solving Mortgages has the discretion to update this privacy policy at any time. When we do, we will revise the date at the bottom of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Visiting our Websites From Outside the United States

The Site is governed by the laws of the United States, and is intended for the enjoyment of residents of the United States only. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

  • a We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her PII without the parent/guardian’s consent. If we become aware that we have unknowingly collected PII from a child under the age of 13, we will make reasonable efforts to delete such information from our records.

How to Contact Us

  • a. If you have any questions about this privacy policy, the practices of any Problem Solving Mortgages Business, or your dealings with a Problem Solving Mortgages Business, please contact us at:
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