UAMB Policies

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Security Statement

The UAMB uses the latest technology to preserve and protect personal information at all times.

We take great care and use the latest technologies to ensure the security and safety of all your information at the UAMB.

To prevent unauthorized access or disclosure and maintain data integrity, we have put in place safeguards to secure any information we collect online. Our servers use encryption technology to protect the transfer of your data to unauthorized parties.

We use industry-recognized standards in transaction security to protect the information you provide when using this website.

Privacy Policy

Please take a moment to review the UAMB privacy policy below.

Privacy Policy. The Utah Association of Mortgage Brokers (UAMB) website is designed to provide mortgage professionals with information and tools to assist in the business of mortgage lending. As a participant in our web site, each selected mortgage professional agrees with and is committed to the UAMB’s policies for privacy.

The UAMB has created this Privacy Statement in order to demonstrate our commitment to privacy. The following discloses our information gathering and dissemination practices for the UAMB Web site. As this Statement may be revised from time to time, please check back periodically.

To provide registered access to our site, mortgage professionals must provide personal and company name, e-mail and street addresses, telephone numbers, and other data. All of this information is stored in a secure manner and is not accessible through the Internet.

We respect your privacy and value your trust in the UAMB. We do everything in our power to earn your confidence so that you can enthusiastically participate in our services.

We may collect the names or addresses of non-registered visitors to the UAMB web site.

We do request and store the names, e-mail and street addresses, telephone numbers, and other information for customers. This information may be transmitted to UAMB members and member organizations that support the UAMB’s goals and privacy policies.

We may publicly reveal general, non-personal data about the UAMB Web site, such as number of visitors, number of subscribers, number of submissions, etc.

The UAMB Web site collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals. In addition, UAMB's site may place a "cookie" in the browser files of a user's computer. The cookie itself does not contain any personally identifying information although it will enable the site to relate a user's use of the site to information that the user has specifically and knowingly provided to the UAMB.

The UAMB restricts access to the information you provide to those employees who need to know that information in order to provide our information and services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information. Any changes to our privacy promise will be communicated through the UAMB web site at least 10 days in advance of implementation. Information collected before changes are made will be secured according to the old privacy policy.

WE DO NOT SHARE INFORMATION ABOUT YOU WITH ANYONE EXCEPT AS REQUIRED OR PERMITTED BY LAW.

Terms of Use

Your use of the UAMB web site is subject to certain terms and conditions of use. Please review our Terms of Use statement below.

Terms of Use. The UAMB, at our discretion, may provide you with services including, but not restricted to, news and information services. You agree to comply with the conditions imposed on your use of the services, as set out in these Terms and Conditions of Access and elsewhere on our services. These services may be outside our control or provided by a third party in which case we cannot and do not take responsibility for their content, or for any delays, interruptions or errors in the provisions of these additional services. You are on notice of this fact and use these services at your own risk. Certain data accessible on our services is the intellectual property of the relevant news and information services provider or third parties that provide such data to the relevant service provider, or us. Copyright and other intellectual laws protect the data and all ownership rights remain with the information service provider or the third party or us, as the case may be.

You may only use the data retrieved from our services for your own personal and non-commercial purposes while accessing our services. Such use will be in accordance with these Terms and Conditions of Access and the requirements set out elsewhere on our services. You may not copy, distribute or redistribute the data, including by caching, framing or similar means or sell, resell, re-transmit or otherwise make the data retrieved from our services available in any manner to any third party. The data is provided "as is." We or any third party shall not be liable to you or any third party for any loss or damage, direct, indirect or consequential, arising from (i) any inaccuracy or incompleteness in, or delays, interruptions, errors or omissions in the delivery of the data or any other information supplied to you through our services or (ii) any decision made or action taken by you or any third party in reliance upon the data. Neither any third party nor we shall be liable for loss of business revenues, lost profits or any punitive, indirect, consequential, special or similar damages whatsoever, whether in contract, tort or otherwise, even if advised of the possibility of such damages incurred by you or any third party.

Where the information consists of pricing or performance data, the data contained therein has been obtained from sources believed reliable. Data computations are not guaranteed by any information service provider, third party or us or any affiliates and may not be complete. Neither any information service provider, third party or us give any warranties, as to the accuracy, adequacy, quality or fitness, timeless, non-infringement, title, of any information for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law. You bear all risk from any use or results of using any information. You are responsible for validating the integrity of any information received over the Internet. Transmission may be subject to arbitrary delays beyond our control, which may delay the provision of our services and the execution of your orders. You acknowledge that neither the UAMB, any information service provider, nor third party will be liable to you or any third party for any losses arising from such delay.

In no event will any information provider, third party or we, be liable for any consequential loss including but not limited to special, incidental, direct or indirect damages resulting from delay or loss of use of our services. We are not responsible for any damage to your computer, software, modem, telephone or other property resulting from your use of our services.

Online Information Requests & Feedback. The UAMB Web site provides a request form for visitors to provide feedback or request additional information relating to UAMB services. This request form may ask visitors for contact information, such as the visitor's name, address, telephone number and/or email address.

The UAMB uses information submitted via the information request form to contact Web site visitors regarding the types of services the UAMB offers, and to demonstrate to the Web site visitors how they can benefit from UAMB services. The UAMB may also use the contact information to contact Web site visitors when necessary. Visitors may opt out of receiving promotional information from the UAMB by not submitting an information request form.

The UAMB may sell or otherwise provide a visitor's personal contact information to UAMB members and affiliate members and organizations that support the UAMB’s goals and maintain a satisfactory privacy policy.

Hidden Information. Unlike user-entered data (such as form submissions) some types of personally identifiable information transmitted across the Internet are not readily perceptible to Web site users. Such information may include your Internet protocol address ("IP address"), which identifies your specific computer on the Internet, and personally identifiable information stored in session variables, or "cookies" on your computer's hard drive. The UAMB may collect and use these types of hidden information on its Web site:

Session Information & Cookies- The UAMB may utilize cookies on www.UAMB.org.

IP Addresses- The UAMB may utilize Logging IP addresses.

Linked Web sites. The UAMB Web site may include links to other companies or Web sites. These other entities may collect personal information, including identification information from you. Please be advised that the UAMB is not responsible for the privacy practices or the content of such Web sites and this privacy statement does not cover the information practices of such sites.

The UAMB may receive personal information about visitors to the UAMB Web site from a third party, including information collected by or through links to third party Web sites on the UAMB Web site.

Opt Out. The UAMB is committed to protecting the personal, private information of persons who use our Web site services. Therefore, the UAMB provides Web site visitors the ability to opt out of using UAMB services, and/or receiving information from the UAMB. If you no longer wish to receive information or use UAMB services, you may have your information removed from the UAMB database by:

1. Sending an email via the information appearing on the Contact page of the Web site.

2. Calling the UAMB at (801) 364-6302 and requesting that such information be removed from the UAMB database.

Visitors to UAMB’s Web site may opt out of receiving informational communications about UAMB services by not submitting a request for information.

Online Security. While the UABM strives to protect its user's personal information and privacy, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while the UAMB stores your personal information in data networks that are password protected, we cannot ensure or warrant the security of any information you transmit to or receive from us through our Web site and online services.

Trademarks. All logos used and products named are trade names and trademarks of their respective companies.

Contacting the Web Site. If you have any questions about the UAMB Web site, please contact us by using the information on the Contact page of the Web site. Refunds & Payment AdjustmentsThe UAMB presents numerous events each year, both on a statewide level and through its various chapters. Most events are free for members, but require a nominal charge for non-members. The UAMB refund policy is as follows:

The UAMB will promptly issue a refund to any person who had pre-paid for an event and is unable to attend, only under the following conditions:

1. The person must request a refund from the UAMB in writing (via email or other written communication).
2. To be valid, the request must be received by the UAMB at least 48 hours in advance of the event, unless otherwise advertised or noted on the UAMB website.
3. Refunds will be issued in the same manner as payment was made (i.e. by cash, check, PayPal, Credit Card, etc.)
4. No refunds will be issued at the door or after the conclusion of any event for no-shows.

In the event a person or company registers in advance for an event, and in the process pays the incorrect amount (i.e. a non-member pays the members-only rate, etc.), the UAMB reserves the right to charge that person the difference prior to the event or at the door as a condition of entry, or (at the person's request) the UAMB may allow the person to join the association prior to the event or at the door, so that the person will qualify for the members-only price.

Please contact the UAMB Executive Director with any questions.