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This privacy notice discloses the privacy practices for WWW.BestRefiOnline.Com. This privacy notice applies solely to information collected by this web site. It will notify you of the following:
What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
What choices are available to you regarding the use of your data.
The security procedures in place to protect the misuse of your information.
How you can correct any inaccuracies in the information.
Information
Collection, Use, and Sharing
We partner with another party to
provide specific services. When the user signs up for these services,
we will share names, or other contact information that is necessary
for the third party to provide these services. These parties are not
allowed to use personally identifiable information except for the
purpose of providing these services.
Your
Access to and Control Over Information
You may opt out of any
future contacts from us at any time. You can do the following at any
time by contacting us via the email address or phone number given on
our website:
See what data we have about you, if any.
Change/correct any data we have about you.
Have us delete any data we have about you.
Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit
sensitive information via the website, your information is protected
both online and offline.
Wherever
we collect the following sensitive information:
1) Personal information: Full Name, Address, City, State, Phone Numbers, Email Address
2) Loan/Credit Information: Mortgage Balance, Current Rate, Credit Rating
This
information is encrypted and transmitted to us in a secure way. You
can verify this by looking for a closed lock icon at the bottom of
your web browser, or looking for "https" at the beginning
of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 760 966-6275 or support@BestRefiOnline.Com or by snail mail at 2101 El Camino Real Suite #101, Oceanside, Ca 92054. .
Planning on opting out of our system?Please include the email address that you would like to have deleted when emailing our support department by clicking here.
Or contact our Main Office via snail mail
BestRefiOnline Corporate
2101 El Camino Real Suite #101
Oceanside, Ca 92054
Support Phone: (760)966-6275
loans@bestrefionline.com
Thank you for visiting our site. We hope that we can assist you in today's and your future loan needs.
We may beable to help by answering these frequently asked questions:
Can I use that cash to consolidate my debts?
Yes! Credit cards, car loans, student loans, revolving credit and other debts can be consolidated. A representative will present the potential options for debt consolidation.
What are the tax implications of getting cash out when refinancing?
Cashing out of your main home is a great tax strategy if you're using the proceeds to pay off other debt on which the interest is not deductible. An individual is allowed to take out up to $100,000 from their principal residence in addition to the original debt used to buy the home, and deduct the interest charged before it is repaid. For more information on this, check out IRS Publication 936, Home Mortgage Interest Deduction. This strategy is a winner since it allows the homeowner to possibly refinance other debt that may be at a higher interest rate than rates available on a second mortgage, allows the homeowner to receive a tax benefit by deducting the interest on the loan which in effect let's the government pick up part of the tab on the loan repayment, and lastly, it allows the homeowner to remain in his current home which he may feel he would have to otherwise sell to cash out.
Once a person gets a mortgage, is there a length of time one must wait before refinancing?
Unless there is a prepayment penalty clause in a mortgage, you can refinance anytime.
Effective Date 03/29/2005