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Our Privacy Statement is short
and to the point!
This website was designed to be informational to the general public, clients and
prospective clients. The following information will detail exactly what our policy is on
privacy and how information obtained (if any) will or will not be used.
THE WEB SITE
What we don't do.
- Order Forms and E-Mails: Any information obtained via our on-line order forms will
be treated as information supplied by a client, prospective client
or customer. Because of obtaining this information, Bostedo Appraisal Services
may or may
not enter into a fiduciary relationship with the subsequent party, thus will be deemed as
client confidentiality. This confidentiality notice also pertains to any
individual who may inquire, register, pre-register, sign up or purchase
any product or offer contained within this web site directly through
Bostedo Appraisal services and or it's principles. We treat the e-mails received in the same manner. To release,
sell or
otherwise give out this information would go against our business policy.
What we do.
- Our Use of “Cookies”:
”Cookies” are small files of data that we send to your computer to allow us to
recognize you as having access to our secure areas or a PayPal customer. If you return to
the secure area of our site or the PayPal site using the same computer and browser. We
send a “session cookie” to your computer if and when you log in to your
appraisal or PayPal account by entering your username and password. These cookies allow us
to recognize you if you visit multiple pages in our site during the same session, so that
you don’t need to re-enter your password multiple times. Once you log out or close
your browser, these session cookies expire and no longer have any effect.
PayPal also uses longer-lasting cookies to display your e-mail address on our sign-in
form, so that you don't have to retype the e-mail address each time when you log in to
your PayPal account. In addition, PayPal uses cookies to process their referral program,
described in Section C on the PayPal site. Our cookie files are encoded so that your
e-mail address and other information can only be interpreted by This site and PayPal.
- We also use a type of counter to track the volume of users, browser type, OS type
etc. to ascertain information which helps us keep the website in top operational condition
for the average user. This information obtained is generic, and does not reveal a users
name, address, e-mail address etc. Although many website owners do harvest and sell
information to 3rd parties for monetary means WE DO NOT!
APPRAISERS
Gramm-Leach-Bliley Act Privacy Requirements (for the
Appraiser) as of July 1,2001
- Real Estate Appraisers and Lender
Clients.
Where an appraiser performs an assignment for a lender or financial institution (and
not an individual), the appraiser will not be subject to the Final Rule's
(GLB) privacy
notice requirements because the appraiser will not have a "consumer" or
"customer" as defined by the (GLB). In this situation, the appraiser will not
have to provide any notices. The privacy regulations permit the appraiser to disclose
information that is "necessary to effect a transaction." Privacy Policy.
- Summary
Of Requirements When Dealing With "Consumers".
A consumer is an individual who engages an appraiser
to perform an appraisal for personal, family or household purposes. A consumer is a person
with no continuing relationship with the appraiser and who obtains his or her appraisal in
an isolated, one time transaction.
When a real estate appraiser deals directly with a consumer, the appraiser will be subject
to certain notice requirements under the Final Rule (GLB) if the appraiser is going to
disclose to third parties any nonpublic personal information collected about the consumer.
In that case, the appraiser must first provide to the consumer an Initial Privacy Notice and an
Opt-Out Notice.
- Summary Of
Requirements When Dealing With "Customers".
When an appraiser has a continuing relationship with a consumer, that consumer becomes a
"customer" under the Final Rule (GLB). The Final Rule permits the appraiser to
disclose information that is necessary to "necessary to effect a transaction".
If the appraiser is going to disclose to third parties any information collected about the
customer outside of this exception, the appraiser must first provide an Initial Privacy Notice, an
Opt-Out Notice and an Annual Privacy Notice.
Please check back for any additions to this policy.
Thank You.
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WARNING! |
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(ARM) Adjustable Rate
Mortgage Holders!
New credit reporting
criteria!
A new credit-scoring system that rates
borrowers based on the type of mortgage they have could
cause people with adjustable mortgages to pay higher
interest rates on everything from credit cards to car
loans.
Some financial experts, however, say this system bears a
close resemblance to so-called universal default, which
allows a credit card company to raise a customer's
interest rate if he makes a late payment with another
creditor.
"This is pretty much going to be all that credit card
companies, student loan companies, auto lenders and
other banks need to charge customers higher rates solely
based on the kind of mortgages they have," said Lynnette
Khalfani, a former reporter for t e Wall Street Journal
and CNBC, and author of "Zero Debt." "Folks who were
teased and seduced to sign up for ARMs just two years
ago are paying for that decision in ways they never
imagined," Mrs. Khalfani said. "You could never fathom
it would cause higher rates on credit cards and higher
payments too. That smacks of unfairness to the
consumer." Not everyone with ARMs is struggling to make
ends meet.
READ MORE... |
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