Privacy Policy

UsHousingMeltdown.org, a website for consumers and industry persons respects the privacy of visitors to our site.

Please read this Privacy Policy so that you can understand how we seek to enforce our firm commitment to privacy.

Information this Site Gathers / Tracks

The information gathered by UsHousingMeltdown.org falls into two categories: (1) information that is not personally identifiable and (2) information that may be personally identifiable, that you provide voluntarily.

Non-personally identifiable information includes: (a) Tracking information gathered as visitors navigate through our sites. (b) Third party providers featured on or linked to from our websites, such as vendors of products and services offered through our sites, may be gathering the same kinds of information. This information often is aggregated in subgroups or segments in order to provide designers and marketing persons with insights to the composition and interests of our site users.

To help make our site more responsive to the needs of our visitors, our Web site and software may collect limited information about your computer's connection to the Internet, including your IP address, when you visit our site. They also utilize a standard feature of browser software, called a "cookie," to assign each visitor a unique, random number, a sort of user ID, which resides on your computer. The cookie helps give us an idea of which parts of our site users are visiting and doesn't actually identify the visitor, just the computer that a visitor uses to access our site.

Unless you voluntarily identify yourself (through registration, for example), we won't know who you are, even if we assign a cookie to your computer. The only personal information a cookie can contain is information you supply. Our cookies can't read unrelated data from your computer. Advertisers on our site including third party advertising systems may also assign their own cookies to your browser. We don't control their cookies or their processes, and they do not regularly share information they gather with us.

To make use of certain features on our websites (such as to post to our bulletin boards/forums) we may require visitors desiring to post to register and to provide certain information as part of the registration process. Additionally, users may opt-in to email updates and electronic newsletter or blogs. These are opt-in situations and will be informed as such. The information you supply may help us to offer you more personalized content and features and make them more useful to you.

Of course, even if you want to remain completely anonymous, you're still welcome to pursue the content and information available on our sites without registration. The vast majority of our site does NOT require visitors to complete a registration form or give us contact information (such as a name and email address) to visit.

Supplying such information is entirely voluntary. For some features, if you don't supply the information we require, we may be unable to provide you with certain services.

For instance, although anyone is welcome to read postings on our forums without registration. However, asking a question or furnishing an answer may require registration. Of course, we would be unable to email you certain email alerts or correspondence if you don't provide us with your email address.

Our online polls are anonymous and do not require registration. Aggregated poll results will often be shared on the web site and may be made available to advertisers.

For opt-in situations, where you have voluntary provided some personal information including email address and demographic information that might include zip code, age, or income level this demographic and profile data may be shared with advertisers or third party vendors on an aggregated basis for use on our site and in correspondence to you.

We don't sell your name and or any other personally identifiable information you provide to us to third parties.

We also use customer contact information from the various registration forms, opt in features and service features to send the user information about our site, our company and our affiliates. Users may opt-out of receiving these emails; see the choice/opt-out section below

As this privacy policy reaffirms, we strive to protect the privacy and confidentiality of our visitors. We do reserve the right to use customer contact and other information when we deem it necessary to comply with applicable laws, rules, or lawful orders of courts and governmental agencies, to enforce compliance with the terms and conditions for use of our sites, or to protect third parties from what we regard as threats of serious harm.

Public Forums

This site offers a forum for its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. We do reserve the right to delete any postings at any time. Readers to this forum remain anonymous. We may require registration from users desiring to post comments on our forums.

Links to Other Sites

Our web site may offer links to other sites. The presence of a link should not be construed that UsHousingMeltdown.org has approved of a site, is endorsing a site, has reviewed its content, or is in any manner recommending a visit. UsHousingMeltdown.org is not responsible for the privacy practices or the content of linked Web sites.

Third Party Features

Certain features of and portions on our site are also the result of special relationships, such as affiliate programs, Co-branding or "Powered By" programs. For instance, we provide a forum for users to use in cooperation with "YetAnotherForum".

These firms share varying amounts of information with us. We are not responsible for the privacy policies of these unrelated third parties. You are encouraged to review the privacy policies of such providers before providing information to them.

Advertising and Cookies

UsHousingMeltdown.org may display advertising on the Web site and email lists or blogs. We may work with several unaffiliated companies that serve ads when you visit certain sections or features on our website. These ads may contain cookies. Cookies received with such banner or our advertisers and/or ad companies collect other ads, and we do not have access to such information. These companies may use that information about your visits to this and other websites in order to provide advertisements on this site and about other sites and goods and services that they think may be of interest to you. This information collected by cookies does not include your name, address, email address, or telephone number.

To learn more about practices and how third parties appearing on this site use information, you should visit their web site and examine their privacy policies.

Security

This site may use certain security measures to protect the loss, misuse and alteration of the information under our control. The measures include passwords, linkages to secure servers, encryption, backup tapes, and conventional locks and alarm systems. However we cannot guarantee that the measures in place have been, are now, or will remain adequate.

Children's Guidelines

This Web site is directed at adults, not children, and we do not seek to collect from children online contact information, or distribute to third parties any personally identifiable information from children, or attempt to entice children to divulge information to us. We won't knowingly allow anyone under 13 to register on our site or to provide any other personally identifying information without written approval of a parent or guardian.

Choice/Opt-Out

Our site provides users the opportunity to opt-out of receiving communications from us and sites associated with us at the point where we request information about the visitor. This site gives users various options for removing postings and other information, and to discontinue receive future communications from us.

Revisions / Corrections / Updates

We reserve the right to change our privacy policy from time to time. If we do change our privacy policy in the future, we'll post the changes when they take effect. This site gives users options for changing and modifying information previously provided, often at the feature on which you registered. For specifics concerning a matter impacting you, you can email to customercare@UsHousingMeltdown.org.

Contacting the Web Site

If you have any questions about this privacy statement, which is effective January 2, 2008 the practices of this site, or your dealings with this Web site, you can contact customercare@UsHousingMeltdown.org.