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Terms of Use / Privacy Policy

DOWNPAYMENT.ORG
Privacy Policy for Websites and Mobile Applications National Association of Expert Advisors, LLC, ("NAEA" or "we") the operator of the DOWNPAYMENT.ORG web sites (the "Site" or "Sites") is committed to preserving the privacy of those who visit the Sites or who use the Apps. This document will outline how we gather and utilize various sources of information obtained during your visit to the Sites. This Privacy Statement applies solely to information collected at the Sites and/or via social media. This Privacy Statement does not apply to any other data gathered or used by National Association of Expert Advisors.

Personal and Non-Personal Information: When using the Sites, in order to utilize some of the services, you may be asked to provide, or you may choose to submit, certain personally identifiable information about yourself ("Personal Information"). Personal Information can include your name, birth date (because we want to send birthday wishes your way!), email address, physical address and telephone number or other information you may provide. We may also leverage social network information (e.g. photos) when we have permission to do so. For example, we may collect information when you connect with National Association of Expert Advisors via a social media service, such as DownPayment.org, Expert Advisors, Exponential Growth Summit, or National Association of Expert Advisors’s Facebook pages.

Personal Information does not include transactional data related to purchases at National Association of Expert Advisors or DownPayment.org, unless we combine such transaction data with your Personal Information, which we may do. In addition, we may also collect non-personally identifiable information, such as IP host address, pages viewed, browser type, duration and frequency of visits, and other data, and may aggregate any information collected in a manner which does not identify any individual ("Aggregate Information"). Information obtained in connection with the Sites may be intermingled with and used by us in conjunction with information obtained through sources other than the Sites and/or Apps, including both offline and online sources.

Information Usage:
We may use the Personal Information we collect to contact you about our products and services or those of our partners or other third parties from time to time. We do not sell your Personal Information to third parties or mass marketers. For example, we will not sell to another company your name or email address. Unless you consent to the disclosure of your Personal Information, only we have access to this information, and we do not agree to uses of your Personal Information which are inconsistent with this policy.

Please note that National Association of Expert Advisors reserves the right to and may disclose Personal Information about you in response to (a) requests from local, state or federal law enforcement officials; (b) any judicial, administrative or similar proceeding or order, such as a subpoena; (c) if required by law; or (d) to investigate suspected fraud, harassment, physical threats, or other violations of any law, rule or regulation, the Site’s rules or policies, or the rights of third parties or to investigate any suspected conduct which we deem improper. Please also note that we do reserve the right to transfer your Personal Information and other information to our successors in business and purchasers of the corresponding Site and/or assets.

COPPA:
Our registration process is designed to restrict children under the age of 13 from becoming members of the Sites and providing us with Personal Information. In the event that our staff becomes aware that Personal Information from a child under 13 has been collected without such child's parent or guardian's consent, we will delete such information from our database. Parents: If your child is under the age of 13 and has joined using a false age, please notify us for NAEA.COM or EXPONENTIALGROWTHSUMMIT.COM via support@naea.com and for and we will cancel your child's account and nullify all Personal Information that was collected from him/her via the Sites. If you would like to know more about our Sites, information practices, stored information about your child, or how to close your child's account, please contact us at support@naea.com. We will happily respond to all email from parents with privacy questions or concerns.

Permissible Use. Unless you are a real estate or lending professional acting in your professional capacity, you agree to use the Services for your personal use, and your commercial use is limited to transactions done on your own behalf. The commercial use of real estate and lending professionals is limited to providing information to consumers via the Services or, where authorized, taking actions on behalf of a consumer client (e.g., search for a program). Without limitation, lending professionals and institutions are prohibited from using information provided by DownPayment.org through the Services in making any loan-related decisions. Subject to the restrictions set forth in the following paragraphs, you may copy information from the Services only as necessary for your personal use to view, save, print, fax and/or e-mail such information. You agree otherwise not to reproduce, modify, distribute, display or otherwise provide access to, create derivative works from, decompile, disassemble or reverse engineer any portion of the Services.

By registering with DownPayment.org, you consent to the collection, processing, and transfer of your personal information in accordance with this policy. DownPayment.org may use your information: (1) for the purpose for which it was collected, as disclosed at the time such information is provided to us; (2) to protect the rights or property of DownPayment.org and other registrants of DownPayment.org websites, and (3) as required by federal, state or local law. We may also share your personal information with our trusted partners, advertisers, service providers, affiliates, and other third parties ("Third Parties") that we believe can provide you with information or support related to your initial online inquiry or with additional special offers and opportunities. DownPayment.org screens the Third Parties with whom it shares personal information but makes no guarantee about their use and protection of your personal information or their willingness or ability to abide by our privacy policy. Also, DownPayment.org is not responsible for the content or privacy practices of any websites to which DownPayment.org links. By sending your personal information you agree to be contacted by a DownPayment.org live partner agent, artificial or prerecorded voice, and SMS text at your residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services).


Links to Third Party Sites:
Our Sites may contain links to other web sites, including our affiliated or co-branded web sites. Other web sites may also reference or link to our Sites. These other websites are not controlled by National Association of Expert Advisors. We encourage our users to be aware when they leave our Sites to read the privacy policies of each and every web site that collects personally identifiable information. We do not endorse, screen or approve, and are not responsible for the privacy practices or content of such other web sites or mobile applications. Visiting these other web sites is at your own risk. Please note that if you use the "Share" function available from the Sites, that will lead you to a separate web site or service governed by another party’s privacy policy and terms.

Cookies:
Our Sites may pass a "cookie" (a string of information that is sent by a web site to be resident on your system's hard drive, and/or temporarily in your computer's memory blocks). The purpose of a cookie is to tell the web server that you have returned to a particular page, to retain login information or to otherwise remember preferences and enhance your experience on the Sites. We may allow third parties to set cookies through the Sites in order to help us manage and analyze the performance of the Sites. You may set your browser to decline cookies. If you do so, however, you may not be able to fully experience some interactive features of the Sites.

Clickstream:
As you use the Internet, a trail of electronic information is left at each website you visit. This information, which is sometimes referred to as "clickstream data," can be collected and stored by a web site's server. Clickstream data can tell us the type of computer and browsing software you use and the address of the web site from which you linked to the Sites. We may collect and use clickstream data as a form of Aggregate Information to anonymously determine how much time visitors spend on each page of our Sites, how visitors navigate throughout the Sites and how we may tailor our web pages to better meet the needs of visitors. This information will be used to improve our Sites and our services. Any collection or use of clickstream data will be anonymous and aggregate, and will not intentionally contain any Personal Information.

Security:
National Association of Expert Advisors will not be liable for disclosures of your Personal Information due to errors in transmission or unauthorized acts of third parties. We have undertaken commercially reasonable efforts to prevent unauthorized Internet access to visitor data retained in our servers, however, due to the inherent open nature of the Internet, National Association of Expert Advisors cannot ensure or warrant the security of any information you transmit to us or any information provided online, and you do so at your own risk. Users must accept all risks associated with any data transmission, including the risk that their Personal Information may be intercepted in transit.

Social Networking and Public Forums:
You should be aware that Personal Information which you voluntarily include and transmit online may be viewed, collected and used by us and by others, and could be used to personalize your experience. Users of the Sites are solely responsible for the content of messages they post online including on public forums. These forums include but are not limited to social networking services, chat rooms, bulletin boards, blogs or other publicly accessible forums which may be viewed and used by anyone with access to such forums. Users should be aware that when they voluntarily disclose Personal Information within a public forum that user information may be collected and used by others. The Sites are unable to control such uses of your Personal Information, and by using such services you assume the risk that the Personal Information provided by you may be viewed, collected and used by third parties. The Sites allow users the option to log-on or submit information through Facebook, Twitter, and MySpace and other third party social networking websites. If you provide your social networking username and password through the third-party portal, depending on your privacy settings, the third-party company pulls your information from that social networking website and makes such information available on the applicable Site. The third-party website database holds a unique reference ID generated by third-party for each user that logs in and coordinates information to show the last city the user visited on the site. If you choose to log on to the Sites through social networking websites, your Personal Information is subject to the applicable social networking website and your current privacy setting on such social networking website. This information (including without limitation, your name, photographs, geographic location and any status update or text that you provide) may be displayed on the applicable Site as part of the Site’s experience while you are logged on. The Sites have no control over the content or privacy policies of the third-party website or third party social networking sites. If you choose to log on to a website through third-party or a third party social networking website, National Association of Expert Advisors is not responsible or liable for the privacy practices or content of third-party or such websites.

Policy Modifications/Opt-Out:
We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time. However, if at any time in the future we plan to use Personal Information in a way that differs from this policy, we will post such changes here. Your continued use of the Service following the posting of any changes to this policy means you accept such changes. Please check this page periodically for changes to this Privacy Policy.

We give you the choice to no longer receive marketing communications from the Sites and Apps. All unsubscribe or opt-out requests can be handled by logging into your "My Account" profile page on the respective Site.

Additionally, any requests can be sent to us at support@naea.com, as appropriate, and we will process your request within a reasonable time after receipt. We are not responsible for removing your Personal Information from the lists of any third party who has previously been provided your information in accordance with this policy.

Obtaining Your Consent for Communications:

  • Your consent to receive communications can be obtained via email, text message, from the Sites or voice recording.
  • Your consent is not required as a condition for purchasing goods or services.
  • By giving your consent you are confirming that you are over the age of 18.
  • By giving your consent please be aware that you are allowing NAEA to contact you via telephone calls or text messages using automated technology to the telephone number associated with the device from which you provide such consent.



Communications with National Association of Expert Advisors:
We want to communicate with you in ways you want to hear from us. Examples include email, text messages, newsletters, special offers, and new product/service announcements. We use the following standards for marketing communications:

  • We will not contact you via phone or text message without your express consent (opt-in).
  • We will not disclose your personal information to third parties for marketing purposes (opt-in).
  • We use an opt-out standard for all other communications. This means we will conduct the activity unless you tell us not to.
  • We may participate in Interest-based advertising. This means that you may see advertising on our website tailored to how you browse or shop, or you may see advertising for National Association of Expert Advisors on other websites based on your browsing behavior across websites.


You can update or change your preferences for marketing materials at any time by contacting us as described in the Contact Us section.

Any communication or material you transmit to us by email or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Except to the extent expressly covered by this policy, anything you transmit or post may be used by us for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, you expressly agree that we are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to us without compensation and for any purpose whatsoever, including but not limited to, developing, manufacturing and marketing products and services using such information.

Opt Out:
To the extent that you are receiving marketing communications from the Sites and/or Apps you have the option to unsubscribe or opt-out of future communications. You may unsubscribe or opt-out of future messages as follows

  • If you no longer wish to receive texts you may text the word “STOP"
  • If you no longer wish to receive emails you may click on the hyperlink titled “Unsubscribe” at the bottom of any marketing related email sent to you by NAEA, and then follow the directions to unsubscribe from email.
  • If you no longer wish to receive marketing communications on the App, uninstall the App.

Additionally, requests to opt out of any marketing use your Personal Information can be sent to us at support@naea.com, and we will process your request within any time period required by law. We are not responsible for removing your Personal Information from the lists of any third party who has previously been provided your information in accordance with this policy.


Comments and Questions:
If you have any questions, comments or concerns about our Privacy Policy, you may contact us at the following address:

NAEA.COM National Association of Expert Advisors, LLC Attn: Webmaster 3011 Internet Blvd., #116 Frisco, TX 75034 support@naea.com

DOWNPAYMENT.ORG National Association of Expert Advisors, LLC Attn: Webmaster 3011 Internet Blvd., #116 Frisco, TX 75034 support@naea.com

Your California Privacy Rights:
This Privacy Policy describes how we share information collected via our Sites for marketing purposes. The Policy and rights apply to all customers, including California residents:
● We share information with others outside of National Association of Expert Advisors for marketing purposes only if we have your express consent (opt-in). See Information Usage and National Association of Expert Advisors Communications.
● We may also share information with other businesses within our corporate family. See Information Usage.

Please contact us with any questions, or to request a list of third parties to whom we may disclose information for marketing purposes and the categories of information we may disclose, via the Contact Us section above.

United States of America: Our Sites are maintained in the United States of America. By using the Sites, you authorize the export of Personal Information to the USA and its storage and use as specified in this policy.

Canada:
If you are a resident of Canada, your personal information may be stored or accessed outside of Canada, by our affiliated companies or by third party service providers which may result in your information being subject to the lawful access requirements of the jurisdiction. If you have questions about storage of your personal information outside of Canada please contact us as set forth above in Comments and Questions.

Effective Date:
This privacy policy is effective and was last updated on June 2, 2015.