Branch Manager
NMLS# 115564
Changing the way people view mortgages
by creating financial awareness and delivering World Class Service
The Bob Christensen Group LLC
Privacy Policy
This privacy policy (this “Policy”) governs the manner in which The Bob Christensen Group, LLC (“BCG,” “we,” “our,” “us” and similar terms) collects, uses, maintains and discloses information collected from visitors to this website (the “Website”). We take reasonable steps to protect user privacy consistent with the guidelines set forth in this Policy and with applicable U.S. state and federal laws. WE TAKE THESE PRECAUTIONS IN AN EFFORT TO PROTECT YOUR INFORMATION AGAINST SECURITY BREACHES. HOWEVER, THIS IS NOT A GUARANTEE THAT SUCH INFORMATION MAY NOT BE ACCESSED, DISCLOSED, ALTERED, OR DESTROYED BY BREACH OF SUCH FIREWALLS AND SECURE SERVER SOFTWARE. BY USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND AGREE TO ASSUME THESE RISKS.
In this Policy, “user,” “visitor” or “you” means any individual using or visiting the Website. This Policy forms part of and is incorporated into our Terms of Use published at www.bobchristensen.com/terms-of-use (the “Terms of Use”).
BY ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THIS POLICY AND OUR TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE WEBSITE.
What Information Do We Collect?
Limited Personal Information: We may collect certain personal information about you in connection with your use of the Website, including: (a) when you sign up for our mailing list, we may collect the personal information through our online form, such as your name, email address, mailing address, phone number and other information detailed therein; and (b) if you communicate with us by email, we may collect your email address and information you provide in your email. All of this information is referred to in this Policy as “Personal Information.” If you contact BCG and disclose additional personal information, we may store that information.
User Data: “User Data” means all data—other than Personal Information—that users provide us regarding or related to themselves or their use of or access to the Website. As described in the Terms of Use, we store User Data and correlate User Data with third-party data in order to make the Website available.
Web Tracking Information and Cookies: We and our Contractors (as defined below) may use web tracking technologies such as cookies, pixel tags and clear GIFs in order to operate the Website efficiently and to collect data related to usage of the Website. Such collected data (“Web Tracking Information”) may include the address of other websites you have visited, the type of browser you are using, device model, device ID and other unique device identifiers, your Internet Protocol (IP) address, what pages in the Website you visit and what links you clicked on, and whether you opened email communications we send to you. We and our Contractors may also use web tracking technologies that are placed in web pages on the Website or in email communications to collect information about actions that users take when they interact with the Website or such email communications. We do not correlate Web Tracking Information to individual user Personal Information. Some Web Tracking Information may include data, such as IP address data, that is unique to you. We use this information not to identify individual users, but to analyze trends, administer the Website, track users’ movements around the Website, and gather demographic information about our user base as a whole which provides us with the ability to determine aggregate information about our user base and usage patterns.
A cookie is a small text file or record that is stored on a user’s computer when you visit our Website, which collects information about your activities on the Website. The cookies transmit this information back to the computers at BCG or our third-party distributors of banners and newsletters; these computers are, generally speaking, the only computers which are authorized to read such information. The information captured makes it possible for us to: (i) speed navigation, and provide you with custom tailored content; (ii) remember information you give to us, so you don’t have to reenter it each time you visit the Website; (iii) monitor the effectiveness of our marketing campaigns; and (iv) monitor total number of visitors, pages viewed, and the total number of banners served. You can choose to have your browser warn you every time a cookie is being sent to you or you can turn off cookie placement. Also, by not using cookies, your overall internet browsing experience will be affected.
How Do We Use the Information We Collect?
Personal Information and User Data: We will use and store your Personal Information and User Data for the purpose of delivering the Website, and to analyze and enhance the operation of the Website. We may also use your Personal Information and User Data for the internal operational and administrative purposes of the Website.
Promotional Communications: If you sign up for our mailing list and provide your email address, we may send you administrative and promotional emails.
Web Tracking Information: We use Web Tracking Information to administer the Website and to understand how well our Website is working, to store your user preferences, and to develop statistical information on usage of the Website. This allows us to determine which features visitors like best to help us improve the Website, to personalize your user experience, and to measure overall effectiveness.
Aggregate and De-Identified Information: We will also create statistical, aggregated and/or de-identified data relating to our users and the Website for analytical and commercial purposes. Aggregated and/or de-identified data is derived from Personal Information and User Data but in its aggregated and/or de-identified form, it does not duplicate or reveal any User Data or relate to or identify any individual. This data is used to understand our customer base and to develop, improve and market our services.
Customer Reviews: We may post to the Website and use for marketing purposes user reviews, testimonials and social media posts or comments about the Website or our products or services (collectively, “Reviews”), whether such Reviews are posted on our Website or on social media, and we may use Reviews in other formats consistent with consent received. Reviews may contain personally identifiable information. We may use your Personal Information to contact you to obtain a Review and obtain your consent via email or agreement sent via fax, pdf or mail prior to using such Review and/or using your name along with your Review.
Legal Exception: Notwithstanding the above, we may store and use Personal Information and User Data to the extent required by law or legal process, to resolve disputes, to enforce our agreements (including this Policy and the Terms of Use) with you, or if in our reasonable discretion use is necessary to protect our legal rights or to protect third parties.
What Information Do We Disclose to Third Parties?
Personal Information and User Data: We will not disclose your Personal Information or User Data to any third parties except as follows:
(i) To third-party contractors engaged to provide services on our behalf (“Contractors”), such as analyzing data and usage of the Website, hosting and operating the Website, soliciting customer reviews, providing customer service, marketing or support and maintenance services for the Website. We enter into agreements with all Contractors that require Contractors to use the Personal Information they receive only to perform services for us.
(ii) When we have your consent to share the information.
Web Tracking Information: We disclose Web Tracking Information to Contractors, in order to analyze the performance of the Website and the behavior of users, and to operate and improve the Website.
Aggregate and De-Identified Information: We may disclose aggregated and/or de-identified data that does not contain Personal Information or User Data to any third parties, such as Contractors, potential customers, business partners, marketers, and funding sources, in order to describe our business and operations.
Network Operators: Use of the Website may involve use of the services of third-party telecommunications carriers. Such carriers are not our contractors, and any information that a carrier collects in connection with your use of the Website is not “Personal Information” and is not subject to this Policy. We are not responsible for the acts or omissions of telecommunications carriers.
Additional Disclosures: We reserve the right to disclose any information we collect in connection with the Website, including Personal Information, to: (a) any successor to our business as a result of any merger, acquisition, asset sale or similar transaction; and (b) any law enforcement, judicial authority, or governmental or regulatory authority, to the extent required by law or if in our reasonable discretion disclosure is necessary to enforce or protect our legal rights or to protect third parties.
Opt Out
If you would like your name and email address permanently removed from our database, please contact us at webmaster@bobchristensen.com. We will promptly delete your name and email address and you will no longer receive email from BCG. You may also opt out of promotional emails by following the “unsubscribe” instructions in the email. Your removal from the mailing list or database will not remove data you have submitted to us or records of past use of the Website, nor delete information stored in our data backups and archives. Such data will be maintained and/or deleted in the ordinary course of BCG’s business.
General
Security: We use reasonable security precautions to protect the security and integrity of your Personal Information in accordance with this Policy and applicable law. However, no Internet transmission is completely secure, and we cannot guarantee that security breaches will not occur. Without limitation of the foregoing, we are not responsible for the actions of hackers and other unauthorized third parties that breach our reasonable security procedures.
Links: Our Website may contain links to other websites. BCG is not responsible for the privacy practices or the content of those websites. Users should be aware of this when they leave our Website and review the privacy statements of each third-party website. This Policy applies solely to information collected by the Website. We encourage our users to read the privacy policies of these other websites before proceeding to use them.
Amendments: We may modify or amend this Policy from time to time without notice to you. Any changes will be effective immediately upon the posting of the amended Privacy Policy. Your continued use of the Website following the posting of revisions to this Policy will be deemed your acceptance of such revisions. Notwithstanding any modifications we may make, any Personal Information collected by BCG from you will be treated in accordance with the privacy policy in effect at the time information was collected, unless we obtain your consent otherwise.
Children: We do not knowingly collect or maintain personally identifiable information from persons under 13 years of age, and no part of the Website is directed at persons under 13. If you are under 13 years of age, then please do not use the Website. If we learn that personally identifiable information of persons less than 13 years of age has been collected without verifiable parental consent, then we will take the appropriate steps to delete this information. To request the deletion of any such information, please contact us at webmaster@bobchristensen.com.
Visitors from outside the United States: BCG and its servers are located in the United States and are subject to the applicable state and federal laws of the United States. If you choose to access the Website, you consent to the use and disclosure of information in accordance with this Policy and subject to such laws.
Effective Date of this Policy: March 5, 2019
Meet with us
Contact us
Phone
(503) 430-1234
Fax
(866) 233-1254
Address
10260 SW Greenburg Rd Suite # 400
Portland, OR 97223