Butch Kierstead, an agent of HarborOne Mortgage, operates the VerySmartMortgages.com website that pertains to this Privacy Policy/Terms of Use.

This page is used to inform website visitors about policies with regard to the collection, use, transmittal and disclosure of personal information if anyone uses the VerySmartMortgages.com website; associated forms, downloads and links; and HarborOne Mortgage services.

This Privacy Policy/Terms of Use shall begin on the date you use the VerySmartMortgages.com website and access its services.

By accessing this website we assume you accept our Privacy Policy/Terms of Use. Do not continue to use the VerySmartMortgages.com website or HarborOne Mortgage services if you do not agree to all of the terms and conditions stated on this page.

If you choose to use the VerySmartMortgages.com website and HarborOne Mortgage services, then you agree to the collection and use of information in relation with these policies and terms on this page. The personal information that we collect is used for providing and improving services provided by Butch Kierstead, HarborOne Mortgage, and staff. We will not use or share your information with anyone except as described in on this page.

Information Collection and Use

For a better experience while using our VerySmartMortgages.com and HarborOne Mortgage services, we may ask you to provide us with certain personally identifiable information, including but not limited to your name, phone number, and postal address. The information that we collect will be used to contact or identify you.

Log Data

Whenever you visit our VerySmartMortgages.com website, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser version, pages of our VerySmartMortgages.com website that you visit, forms you access, fill out and/or download, links you click, the time and date of your visit, the time spent on those pages, and other statistics.

Cookies

Cookies are files with small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the website that you visit and are stored on your computer’s hard drive.

Our website uses these “cookies” to collection information and to improve our services to you. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our VerySmartMortgages.com website and HarborOne Mortgage services.

Service Providers

We may employ third-party companies and individuals for the following reasons:

  • To facilitate our services:
  • To provide services on our behalf;
  • To perform VerySmartMortgages.com-related services and functions; or
  • To assist us in analyzing how our VerySmartMortgages.com website and HarborOne Mortgage services are used.

We want to inform our users that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your personal information, thus we strive to use commercially acceptable means of protecting it. Note that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

Our VerySmartMortgages.com website may contain links to other sites, including but not limited to HarborOne.com. If you click on a third-party link, you will be directed to that site. Note that not all of these external sites are operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We also encourage you to review the HarborOne Mortgage Privacy Notice, which is available here: https://rkierstead.harboronemortgage.com/uploads/pages/PrivacyNotice.pdf

Children’s Privacy

Our VerySmartMortgages.com website does not address anyone under the age of 18. We do not knowingly collect personal identifiable information from children or persons under 18. In the case we discover that a child or person under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

License

Unless otherwise stated, Butch Kierstead, HarborOne Mortgage and/or licensors own the intellectual property rights for all material on the VerySmartMortgages.com website. All intellectual property rights are reserved. You may access this from the VerySmartMortgages.com website for your own personal use, subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from VerySmartMortgages.com
  • Sell, rent or sub-license material from VerySmartMortgages.com
  • Reproduce, duplicate or copy material from VerySmartMortgages.com
  • Redistribute content from VerySmartMortgages.com

Hyperlinking to our Content

The following organizations may link to our VerySmartMortgages.com website without prior written approval:

  • Government agencies;
  • Search engines;
  • News organizations;
  • Online directory distributors may link to our VerySmartMortgages.com website in the same manner as they hyperlink to the websites of other listed businesses; and

If you are not one of the organizations listed in the preceding paragraph and are interested in linking to our website, you must inform us by EMAIL. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. It may take 2-3 weeks for a response. If we approve your linking, we will provide you with acceptable methods to do so.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our VerySmartMortgages.com website and the use of our HarborOne Mortgage services. Nothing in this disclaimer will:

  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the VerySmartMortgages.com website and the information and services on the VerySmartMortgages.com website are provided free of charge, we will not be liable for any loss or damage of any nature.

Changes to This Privacy Policy/Terms of Use

We may update our Privacy Policy/Terms of Use from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy/Terms of Use on this page. These changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to EMAIL US.

Credits

Content for this website was edited/produced/programmed by Ideabenders, Diana Burr Design and Tracy Wampler Design.