President & CEO
for our Monthly mailed Newsletter
We send these out to keep you updated on the latest happenings in the real estate market.
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
The entire content included in this Site, including but not limited to text, graphics, photos, videos or code, is copyrighted as a collective work under the United States and other copyright laws, and is the property of Advantage Mortgage Service; some photos are used with permission and are copyrighted by third parties. The collective work includes works that are licensed to Advantage Mortgage Service. Any trademarks, service marks or trade names of Advantage Mortgage Service used in the Site are trademarks or registered trademarks of Advantage Mortgage Service. All other trademarks and copyrights belong to their respective owners. The trademarks, logos, and service marks displayed on the Site are registered and unregistered trademarks of Advantage Mortgage Service and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Site without the written permission of Advantage Mortgage Service or such third party that may own the trademarks displayed on the Site. The website itself is © Copyright 1996-2021, Advantage Mortgage Service. All Rights International and in the United States Reserved.
Use of Website Documents
Although we make this Site freely accessible, we don't intend to give up our rights, or anyone else's rights, to the materials appearing on the Site. The materials available through this Site are the property of Advantage Mortgage Service or its licensors, and are protected by copyright, trademark and other intellectual property laws. Advantage Mortgage Service and its licensors expressly reserve all other rights and licenses. You are free to display and print for your personal, non-commercial use information you receive through this Site, but you may not otherwise reproduce or modify any of the materials without the prior written consent of their owner. You are free to encourage others to access the information themselves directly on this Site, and to tell them how to find it. Any content that you copy from the Site for personal use only needs to be credited to https://www.mortgagesinca.com and Advantage Mortgage Service, and linked to the Site's URL: https://www.mortgagesinca.com.
You should assume that everything you see or read on the Site is copyrighted material unless otherwise noted, and may not be used except as provided in these Site Terms and Conditions or in the text on the Site without the written permission of Advantage Mortgage Service. Advantage Mortgage Service neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Advantage Mortgage Service.
Images of people or places displayed on the Site are either the property of, or used with permission by Advantage Mortgage Service. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these Site Terms and Conditions, or specific permission provided elsewhere on the Site, or by written permission of Advantage Mortgage Service. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the Site solely for your own non-commercial use. Any other use of materials on this Site, including but not limited to the reproduction, distribution, display or transmission of the content of this Site, is strictly prohibited, without the prior written permission of Advantage Mortgage Service.
This Site is provided as is and without warranties of any kind, whether express or implied. Advantage Mortgage Service does not represent or warrant that the functions contained in the Site will be uninterrupted or error-free, that the defects will be corrected, or that this Site or the server that makes the Site available are free of viruses or other harmful components. Advantage Mortgage Service does not make any warranties or representations regarding the use of the materials in this Site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. Some states do not permit limitations or exclusions on warranties, so the above limitations may not apply to you. Data or other information provided on this site, whether directly, or through links to outside sources or websites, is not to be relied upon for your physical safety. Always contact local authorities about local conditions on Lake Powell, the forecasted weather, and other important safety information in the general area.
Limitation of Liability
Advantage Mortgage Service shall not be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this Site even if Advantage Mortgage Service has been advised of the possibility of such damages. Applicable law may not allow the limitation of exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Advantage Mortgage Service be liable for any direct, indirect, incidental, special or consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort, arising from your access to, or use of, the Site or any content, documents, materials, information, products or services downloaded, information linked to from this Site, or otherwise obtained through the use of this Site.
These terms and conditions are applicable to you upon your accessing the Site and/or submitting information or making a financial transaction. These terms and conditions, or any part of them, may be terminated or changed by Advantage Mortgage Service without notice at any time, for any reason. The provisions relating to Copyrights, Trademarks, Disclaimer, Limitation of Liability, Indemnification and Applicable Laws, shall survive any termination.
Advantage Mortgage Service may deliver notice to you by means of email, or by placing a general notice on the Site, or by other reliable method to the address(es) you have provided to Advantage Mortgage Service, whether email addresses or physical addresses.
Your use of this Site shall be governed in all respects by United States of America federal law and the laws of the State of Utah, U.S.A., without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this Site (including but not limited to the purchase of Advantage Mortgage Service products or services) shall be in a state court located in Orange County, California. Any cause of action or claim you may have with respect to the Site (including but not limited to the purchase of Advantage Mortgage Service products or services) must be commenced within one (1) year after the claim or cause of action arises. Advantage Mortgage Service's failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. Advantage Mortgage Service may assign its rights and duties under this Agreement to any party at any time without notice to you.
Use of Site
Harassment in any manner or form on the Site, including via email, chat, or by use of obscene or abusive language, is strictly forbidden; impersonation of others, including a Advantage Mortgage Service or other licensed employee, host, or representative, as well as other members or visitors on the Site is prohibited. You may not upload to, distribute, or otherwise publish through the Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offense, violate the rights of any party, or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the Site or use the Site to solicit others to join or become members of any other commercial online service or other organization.
Advantage Mortgage Service may not always review all communications and materials posted to or created by users accessing the Site (if such functions are made available), and is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the Site, Advantage Mortgage Service is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any content or activities on the Site. However, Advantage Mortgage Service reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or other intellectual property right of another, or (d) offensive or otherwise unacceptable to Advantage Mortgage Service in its sole discretion. Advantage Mortgage Service reserves the right to make changes or updates to the Site at any time without notice for any reason.
Third Party Links, Websites, Content, Products and Services
In an attempt to provide increased value to our visitors, Advantage Mortgage Service may link to sites operated by third parties. However, even if the third party is affiliated with Advantage Mortgage Service, Advantage Mortgage Service has no control over such linked sites, all of which have separate privacy and data collection practices, independent of Advantage Mortgage Service. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, Advantage Mortgage Service seeks to protect the integrity of its Site and the links placed upon it and therefore requests any feedback on not only its own Site, but for sites it links to as well (including if a specific link does not work). Advantage Mortgage Service reserves the right to remove any links on or to its Site at any time, for any reason.
The Site may provide links to Websites and access to Content from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that Advantage Mortgage Service is not responsible for the availability of, and Content provided on, third party Websites. You should refer to the policies posted by other Websites regarding privacy and other topics before you use them. You agree that Advantage Mortgage Service is not responsible for third party Content accessible through the Site, including opinions, advice, statements and advertisements, and understand that you bear all risks associated with the use of such Content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that Advantage Mortgage Service is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services from third parties. You agree that Advantage Mortgage Service is not responsible for any loss or damage of any sort you may incur from dealing with any third party.
Date Last Updated: December 13, 2021
Personal Identification Information
Personal Information means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home and other physical mailing address, an email address, phone number(s), I.P. (Internet Protocol) address, or other contact information, and any other information we collect when Users visit our website and fill in forms. We only collect information Users submit to us voluntarily, as they continue to use our Site. All such personal information is held strictly confidential by Advantage Mortgage Service and is only used to inform you about information you need or have requested from Advantage Mortgage Service, relating to its services or products.
In the few instances where Advantage Mortgage Service collects personally identifiable information through its Website located at
https://www.mortgagesinca.com Advantage Mortgage Service will not share that information with other companies or individuals unless we need to share your information with certain third parties which which we have a business relationship in order to provide a product or service you have specifically requested or ordered.
What Information Do We Collect and How Do We Use It?
You share information with Advantage Mortgage Service in a number of ways — on our website, in our office facilities, by emails, on our website forms, and by phone, texting, and by physical mail. For example, you may share information with us when you:
—Schedule an Appointment with us
—Request us to provide other services to you
—Visit our Website, use any portion of our website, or download info from our website
—Fill in one of our Website Forms
—Click a link in an Email we sent you
—Sign up to Join our Email List
—Request Customer Service or otherwise Contact Us
—When you Email, Text, or Call us on the Phone
—Submit User-Created Content to us, such as photos, texts, videos, documents, etc.
—Communicate with one of our team members about our services and other matters
—Otherwise communicate information to us
—We also may use your personal information to support our business functions such as marketing campaigns, facility/office operations, etc.
—We may share your information with companies providing support services to us, including but not limited to email providers, mobile marketing services, analytics providers, web hosting providers, printers, banks and payment processors, data enhancement, management or processing services, fraud prevention providers, shipping services providers, product vendors, service vendors, and advertising vendors. We may provide your information to third parties when you request information about or provide information to such third parties.
If you are a California resident, please see "Your California Privacy Rights" below for more information about your rights regarding third party sharing.
When you engage in these different types of activities, you may share different types of information with us, such as:
—First and Last Name
—Date of Birth or Age
—Telephone or Mobile Phone Number
—Social Media information, including but not limited to Facebook, Instagram or TwitterID
Advantage Mortgage Service may collect User Personal Information and use it for these reasons:
—To establish you as a customer who is being served.
—To provide services or products you request.
—To send you emails in the process of serving you as a customer, answering questions, responding to requests.
—To improve our own customer service, our Site, and the User’s experience on the Site.
—We sometimes use aggregated information to learn how our Users use the services and resources we provide to them on our Site. This data is aggregated for the entire group of Users and is not individually identifiable.
—We may email you information about services, products, packages, events, sales offers, questionnaires, scheduling, or deadlines, and in that effort we may collect information about what you did or did not click on in such emails so we may track what items you are interested in, so that we may be of benefit to you.
Information We Collect and Store as you Access and Use the Platform
Advantage Mortgage Service and third parties which may be acting on our behalf for business purposes might also collect information you give us using various technologies, like using a cookie placed on your computer when you visit https://www.mortgagesinca.com. This information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with our Platform. This information may be non-identifying or may be associated with you. Whenever we associate any non-identifying information with your personal information, we will treat it as Personal Information.
Financial and Payment Information
Advantage Mortgage Service does not store or save in its systems credit card, debit card, or PayPal information. All payment processes are executed and managed by widely used and authorized third parties on behalf of Advantage Mortgage Service.
Non-Personal Identification Information
Whenever users interact with our Site, we may collect non-personal identification information about them, such as the software browser name and the type of computer or device being used when on the Site, and technical information about the User’s means of connecting to the Site, like the operating system and internet service provider being used. We also may collect info about how many minutes are spent on the Site, which pages are looked at, etc., to determine potential interests of the Site visitor.
We Protect Your Information
We use secure practices for data collection, processing and storage of information so that we protect you from disclosure, unauthorized access, alteration or destruction of your personal information, any username and password (if that function is activated), data, and transaction information that is entered or processed on our Site and stored on our or third-party payment processing servers. All interactions that occur during sensitive and private data exchanges between the Site and Users occur over a secured SSL (secure socket layer) data communication channel that is encrypted and protected with digital signatures using high-level banking security standards. You can verify this by noticing that our Site’s URL address begins with https (the “s” stands for it being a secure Site). While we implement security measures, you should be aware that 100% security is not always possible and therefore we disclaim all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, quality of information, title and non-infringement, and you waive all claims therefor.
How Do We Protect Children's Personal Information?
Advantage Mortgage Service does not knowingly collect personal information online from children under the age of 16 unless we first obtain permission from the child's parent or legal guardian. If we discover that we have collected personal information from any child under age 16 without parental consent, we will dispose of that information in accordance with the Children's Online Privacy Protection Act ("COPPA") and other applicable laws and regulators. If you are a parent or guardian and believe that your child under the age of 16 has provided us with personal information without parental consent required by COPPA, we ask that you email us at: firstname.lastname@example.org or write to us via U.S. Certified Mail, Return Receipt Requested, to: Advantage Mortgage Service, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, Attn: Chief Privacy Officer, or call Advantage Mortgage Service Customer Service at (714) 486-3161.
How We Share Your Information
We might share generic, aggregated demographic data that does not contain personally identifiable information. This is generic info about visitors and Users of our Site. We may share this generic overall information with our business partners, trusted affiliates and advertisers for the purposes listed above. We don’t sell, trade, or rent our Users’ personal identification information to others. If you show interest in and make a comment using one of our Site forms, which information you send by email to us on our form(s), we may refer you to contact a third party about that information you showed interest in.
Web Browser Cookies
This Site, as most sites do, may use “Cookies” for the purpose of enhancing the User’s experience on the Site. The User’s own web browser places these cookies onto the User’s hard drive, for record-keeping purposes. Sometimes the cookies track information about the Users. Users can choose to set their own web browser to not accept cookies onto their computer; or they can choose to be alerted if cookies are being sent to their computer. If a User refuses to allow cookies, some functions of the Site may not work properly or be accessible. Cookies may also be deleted by the User by using other software to do so.
How Can I Change My Personal Preferences?
When you register your email address, first and last name, phone number or other information with us either over the phone, on our website forms, or while making a transaction with our company, you are responsible for maintaining the accuracy of the information you submit to us. You may Opt In (Subscribe) to receiving emails from us and to be added to our email marketing list. If you do so, you may also cancel or Opt Out of receiving (Unsubscribe) our email marketing communications by clicking Unsubscribe on any email we send you (at the bottom of the email). We do reserve the right to send you certain communications such as administrative and Platform-related announcements, and messages such as these will continue, even if you opt out of receive marketing messages.
Can My Data be Transferred to the United States?
Our website is published in the United States and is intended for users in the United States. U.S. law shall govern in any and all disputes. If it is necessary to use a court for resolution, it shall be in a court in the State of California where Advantage Mortgage Service is operated.
Your California Privacy Rights - California Consumer Privacy Act
The California Consumer Privacy Act (CCPA) was enacted in 2018 and took effect on January 1, 2020 in the State of California. This landmark piece of legislation secured new privacy rights for California consumers. On October 10, 2019 Attorney General Xavier Becerra released draft regulations under the CCPA for public comment.
The CCPA grants new rights to California consumers
1. The right to know what personal information is collected, used, shared, or sold, both as to the categories and specific pieces of personal information
2. The right to delete personal information held by businesses and by extension, a business's service provider(s)
3. The right to opt out of sale of personal information. Consumers are able to direct a business that sells personal information to stop selling that information. Children under the age of 16 must provide opt-in consent, with a parent or legal guardian consenting for children under age 13.
4. The right to non-discrimination in terms of price or service when a consumer exercises a privacy right under CCPA.
The CCPA imposes new business obligations
1. Businesses subject to the CCPA [which have $25 million+ gross annual revenues, buys, receives or sells personal information of 50,000 or more consumers, households, or devices; or derives 50% or more of annual revenues from selling consumers' personal information] must provide notice to consumers at or before data collection. Also, per the proposed drafted regulations, businesses that handle the personal information of more than 4 million consumers will have additional obligations.
2. Businesses must create procedures to respond to requests from consumers to opt out, know, and delete. For requests to opt out, businesses must provide a "Do Not Sell My Info" link on their website or mobile app.
3. Businesses must respond to requests from consumers to know, delete, and opt out within specific timeframes. Draft regulations state businesses must treat user-enabled privacy settings that signal a consumer's choice to opt out as a validly submitted opt-out request.
- 4. Businesses must verify the identity of consumers who make requests to know and to delete, whether or not the consumer maintains a password-protected account with the business.
- California consumers have the right to request that Advantage Mortgage Service disclose what personal information it collects, uses, discloses, and sells about them.
- This information will only be disclosed to a California consumer upon receipt of a verifiable consumer request as outlined in the information below.
- California consumers may submit a verifiable consumer request to know by completing the webform located HERE.
The process Advantage Mortgage Service will use to verify your California consumer request, including any information you must provide is described below:
To verify your request, we use the facts you provide regarding your interaction with us in your verified consumer request and match that information to information we have in our records.
California Consumer Information that Advantage Mortgage Service May Collect and Store from Your Access and Use of the Platform
Advantage Mortgage Service may collect the following categories of consumer personal information, as described in California Civil Code Section 1798.140(u), about California consumers:
Identifiers and categories of personal information described in California Civil Code Section 1798.80(e): First and Last Name, Mailing Address, E-Mail Address, Telephone or Mobile Number, IP Address.
Characteristics of protected classifications under California or federal law: Date of birth or Age, Gender.
Commercial Information: Purchase and Usage History, Credit Card or Debit Card Account Number, PayPal Account information, Apple Pay Information
Internet or other electronic network information: Social Media Information, including Facebook, Instagram or Twitter ID, Browser, Device, Operating System and Hardware Type.
Geolocation data: IP-based geolocation data.
Inferences drawn from any of the above.
Disclosure or Sale of Personal Information
Advantage Mortgage Service does not and will not sell your personal information. (Please note that the CCPA uses an expanded definition of the term “sell,” in which “sell” means: “Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer’s personal information by the business to a third party for valuable consideration; or (B) sharing orally, in writing, or by electronic or other means, a consumer’s personal information with a third party, whether for valuable consideration or for no consideration, for the third party’s commercial purposes.”)
Right to Non-Discrimination for the Exercise of a California Consumer's Privacy
California consumers have the right not to receive discriminatory treatment for the exercise of their privacy rights conferred by the California Consumer Privacy Act.
This includes, but is not limited to:
(A) Denying goods or services to a California consumer.
(B) Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
(C) Providing a different level or quality of goods or services to a California consumer.
(D) Suggesting that a California consumer will receive a different price or rate for goods or services or a different level or quality of goods or services.
California Consumer’s Authorized Agent
For California consumers, an authorized agent is a natural person or a business entity registered with the California Secretary of State that a California consumer has authorized to act on their behalf subject to the requirements outlined below and in California law. This information does not constitute legal advice. If you have any questions, please contact a lawyer competent in this area of law.
Requirements for a California consumer’s agent to submit a request to know or a request to delete
When a California consumer uses an authorized agent to submit a request to know or a request to delete, Advantage Mortgage Service may require that the consumer:
(1) Provide the authorized agent written permission to do so; and
(2) Verify their own identity directly with the business.
These steps do not apply if a California consumer has provided the authorized agent with power of attorney pursuant to pertinent sections California Probate Code.
Advantage Mortgage Service may deny a request to know or a request to delete from an agent who does not submit proof that they have been authorized by the California consumer to act on their behalf.
Advantage Mortgage Service does not knowingly sell personal information of California consumers under the age of 16 without permission from a parent or guardian. If you think we have, please let us know.
Other California Privacy Rights
Under California’s Shine the Light Law, if you are a resident of California you may make a written request to us to request how we have shared your information with nonaffiliated third parties for their direct marketing purposes during the preceding calendar year. You may contact us at email@example.com or via U.S. Certified Mail, Return Receipt Requested to: Advantage Mortgage Service, Attn: Chief Privacy Officer, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, or call our Customer Service at (714) 486-3161. In response to your written request, we will provide you with a notice describing the cost-free means to opt-out of our sharing your information with nonaffiliated third parties (i.e., those with whom we do not share the same brand name), if the third party will use it for their direct marketing purposes.
Additionally, under California’s Online Eraser Law, if you are a California resident under 18 years old and you have an account on mortgagesinca.com, you can request that we remove content that you have posted to our website or other online services. To request removal of content or information, please email: firstname.lastname@example.org, write to us via U.S. Certified Mail, Return Receipt Requested, to Advantage Mortgage Service, Attn: Chief Privacy Officer, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, or call Advantage Mortgage Service Customer Service at (714) 486-3161. Advantage Mortgage Service shall process any such request.
International Privacy Rights
Regarding international privacy laws, Advantage Mortgage Service respects the privacy rights of any person, and also complies with the European law regarding privacy in Europe — the GDPR or General Data Protection Regulation. See this link about it:
The Data Protection Directive (officially Directive 95/46/EC on the protection of individuals with regard to processing of personal data ( (PII US) ) and on the free movement of such data) was a European Union directive adopted in 1995 which regulates the processing of personal data within the European Union. It is an important component of EU privacy and human rights law.
The General Data Protection Regulation adopted in April, 2016 has superseded the Data Protection Directive and became enforceable starting May 25, 2018. The seven principles governing the OECD's recommendations for protection of personal data were:
1. Notice—data subjects should be given notice when their data is being collected;
2. Purpose—data should only be used for the purpose stated and not for any other purposes;
3. Consent—data should not be disclosed without the data subject's consent;
4. Security—collected data should be kept secure from any potential abuses;
5. Disclosure—data subjects should be informed as to who is collecting their data;
6. Access—data subjects should be allowed to access their data and make corrections to any inaccurate data;
7. Accountability—data subjects should have a method available to them to hold data collectors accountable for not following the above
The OECD guidelines, however, were non-binding, and data privacy laws still varied widely across Europe.
The EC has set a compliance date of 25 May 2018, giving businesses around the world a chance to prepare for compliance, review data protection language in contracts, consider transition to international standards, update privacy policies, and review marketing plans.
Under GDPR, companies must develop processes and/or systems to respond to individual requests for access to personal information and for erasure of personal information.
Advantage Mortgage Service is a responsible company which values its customers and others who contact us, and their wishes about how they'd like to receive or not receive communications from us. Our goal is to always please our customers, offer them the best services, and hope they will continue to be customers because of the integrity with which Advantage Mortgage Service conducts its business.
Your Acceptance of These Terms
Thank you for your interest in Advantage Mortgage Service and https://www.mortgagesinca.com
© Copyright 1996-2021, Advantage Mortgage Service. All Rights International and in the United States Reserved.
Advantage Mortgage Service
100 W. Main Street, Suite 10, 2nd Floor
Tustin, California 92780
You may call us any time, 24/7. You may text to the Cell phone below.
Meetings by Appointment Only.
Monday-Friday 10:00am - 5:00pm
Office Phone: 714.486.3161
Office Fax: 714.486.3439
Cell Phone: 949.735.0449
Date Last Updated: December 13, 2021