Privacy Statement

Appraisal & Collection Technologies, LLC (ACT) is committed to protecting your privacy. This statement details the steps ACT takes to secure your personal information while developing technology that gives you the most effective and secure online experience possible. This Privacy Statement applies to all web sites owned or operated by ACT and governs data collection and usage. By accessing ACT’s web sites, you are consenting to the information collection and use practices described in this Privacy Statement.

1. Personal Information Collection
Most sites operated by ACT may be visited without providing personal information about yourself. ACT does, however, require users to provide personal information in order to access restricted areas, receive responses to inquiries or provide users with other services they have requested. ACT also automatically collects some information pertaining to your computer hardware and software. This information may include your IP address, browser type, domain names, frequency and times of accessing an ACT site and the web site from which you linked to an ACT site. This information is used by ACT for the operation of the service, to maintain the quality of the service, and to provide general statistics regarding use of any ACT web site.

Please note that while ACT does not read any of your private online communications, any information posted on public messages boards within the ACT sites may be collected and used by others.

You are encouraged to review the privacy statements of web sites you choose to link to from ACT so that you can understand how those web sites collect, use and share your information. ACT is not responsible for the privacy statements or other content on web sites outside of those owned and operated by ACT.

2. Personal Information Use
ACT collects and uses your personal information in order to operate its web sites and deliver services you have requested. ACT also uses your personally identifiable information to inform you of other products or services available from ACT and its affiliates. ACT may contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

ACT does not sell, rent or lease information concerning its customer to third parties. ACT may, however, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, any unique personally identifiable information, including your e-mail, name, address, telephone number, is not transferred to the third party. In addition, ACT may share data with trusted partners to help us perform statistical analysis, send you e-mail or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to ACT, and they are required to maintain the confidentiality of your information.

ACT keeps track of the web sites and pages our customers visit within ACT, in order to determine what services are the most popular. This data is used to deliver customized content and advertising within ACT to customers whose behavior indicates that they are interested in a particular subject area.

ACT reserves the right to disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on ACT or its web sites; (b) protect and defend the rights or property of ACT; and, (c) act under exigent circumstances to protect the personal safety of users of ACT, or the public.

3. Cookies
Cookies are small files that web sites save to your hard disk or to your browser's memory. ACT may use cookies to track the number of times you have visited the sites, to track the number of visitors to the sites, to determine and analyze visitors' use of our sites, to store information that you provide, such as your preferences, and to store technical information useful for your interactions with our web sites. We may use session cookies (cookies that are deleted when your browser session ends) to store your user ID, elements of your user profile, to facilitate your movement around our web sites (particularly in connection with information searches and order placement) and other information useful in administering the session. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the functions of cookies is to save users time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize ACT's pages or register with an ACT site or service, a cookie helps ACT to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same ACT web site, the information you previously provided can be retrieved, so you can easily use the ACT features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually change the settings on your browser to decline cookies if you prefer. If you choose to decline cookies, you may not be able to experience all of the interactive features of ACT's or other web sites you visit.

4. Security
ACT is committed to protecting your personal information from unauthorized access, use or disclosure. In order to enhance security, ACT stores the personally identifiable information you provide on computer servers in a controlled and secure environment, protected from unauthorized access, use or disclosure. In the event that personal information (such as a credit card number) is transmitted to other web sites, ACT protects the information through the use of encryption, such as the Secure Socket Layer (SSL) protocol. For sites at which you log in, please be sure to maintain the security of your own password and do not provide this information to other people.

5. Modifications to Privacy Statement
ACT will occasionally update this Privacy Statement. ACT encourages users to periodically review this statement in order to stay informed regarding how ACT is protecting your information.

6. Contact Information
ACT welcomes your feedback concerning this Privacy Statement. If you believe that ACT has not followed the protocols set out in this statement or if you have any concerns regarding the privacy of your information, please contact ACT at We will use commercially reasonable efforts to promptly determine and remedy the problem.