We Protect Your Right to Privacy

Industry Access Incorporated is committed to protecting your privacy as a user. As an application service provider and technology company, we understand your need to maintain control over your personal data when using the Internet. We maintain your privacy through the enforcement of strict internal polices that exceed industry standards. This statement discloses the privacy practices for Industry Access Incorporated, and all affiliated web sites in the Industry Access Incorporated network of websites.

Use of Data

All information collected through user registration is simply used to permit you and/or your company to communicate with other participants in the network. We do not sell or distribute that information to any third party. Highly sensitive information that pertain to a loan application, and supporting documentation such as credit reports, appraisals, VODs and VOEs are securely transmitted to our servers, securely stored, and shared only by other network participants that are required to have the information to consummate the funding transaction.

Use of Your Email Address

One of the biggest annoyances in the modern world is SPAM e-mail. We dislike it too, and do not permit the participants of the Industry Access Incorporated websites to SPAM e-mail each other to promote their own businesses. We do not sell, rent, or share any e-mail addresses with any other party. However, we, as a communications portal for the wholesale mortgage industry, do allow participants in the network to send e-mails to each other. Nevertheless, each participant's web site administrator can control which other participants have your e-mail address. Industry Access Incorporated may send broadcast emails to its users regarding information pertaining to the use of the service.

Sharing of Information

We do not sell, rent, or share any user information that we collect from the registration process. By contract, third parties must comply with their own privacy policies with regard to the renting, selling, or sharing of information. As partners of Industry Access Incorporated, they must also offer Industry Access Incorporated users the chance to opt out of information sharing.

Information Security

All information gathered on Industry Access Incorporated web sites is stored and maintained in secure facilities that limit access to authorized personnel only. This personnel can only access the information through a series of access-control procedures. All Industry Access Incorporated employees are briefed about the company's privacy and security policies on a regular basis. The Industry Access Incorporated web sites are regularly tested for security breaches to ensure that all information collected is secure from unauthorized viewing.

Regarding Cookies 

To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our Web Page Server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on Web sites and do not harm your system.

We use cookies in places where you need to register, such as Internet banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized.

Our cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you configure your web browser so that "cookies" are turned off, our website will not be able to process your transaction. If this happens, please turn your cookies back on and log onto our site again.

Encryption

Your password and all information relating to your accounts and your enrollment are scrambled using some of the strongest forms of encryption commercially available for use over the World Wide Web.
We are a VeriSign Secure Site.

How does encryption work?

Everything that travels through the Internet during your online user session - from your password to your instructions to your social security number- becomes a string of unrecognizable numbers before entering the Internet. Both Industry Access Incorporated's computers and the browser you use to surf the Web understand the mathematical formulas, called algorithms, that turn you web site session into numeric code and back again into meaningful information.
 

These algorithms serve as locks on the doors of your account information. And while Industry Access Incorporated and your computer can easily translate this code back to meaningful language, this process would be a daunting, almost impossible task for unauthorized intruders. That's because there are billions of possible keys that could potentially solve each formula - but only one that will work. Every time you begin an online user session, your computer and Industry Access Incorporated systems agree on a random number that serves as the key for the rest of the conversation. What that random number is depends largely on the strength of encryption used by your browser.
 

The main difference is that 128-bit encryption provides a significantly greater amount of cryptographic protection than 40-bit encryption. With the increasing computing power of potential criminals, it is becoming more necessary to employ larger keys, as evidenced by a recent study by several leading cryptographers.
In terms of what the numbers represent, "128" and "40" bit encryption refer to the size of the key used to encrypt the message. Roughly speaking, 128-bit encryption is 309,485,009,821,345,068,724,781,056 times stronger than 40-bit encryption. Presently, 40-bit encryption is not considered "strong" security in the cryptographic community.
 

Note: Currently, browsers that offer 128-bit encryption can only be used by citizens and permanent residents of the United States and citizens of Canada, and can only be downloaded to locations in the United States or Canada.
 

All browsers provide detailed information on security levels. See your browser's help or documentation for more information.

How do I know if my user session is encrypted?

You can determine if encryption is being used on a given Web page by looking for the following icons in the lower portion of your browser:

Browser secure or not secure?

Netscape Navigator or Communicator 4.0 or later Microsoft Internet Explorer (any version).

Netscape Navigator displays the icon in the lower left corner of the browser. In addition, Netscape Communicator displays the icon in the navigation toolbar. Microsoft Internet Explorer displays the icon in the lower right corner of the browser.

Neither Netscape Communicator nor Microsoft Internet Explorer display any icon that distinguishes between 40-bit or 56-bit and 128-bit encryption. But if you use Netscape Communicator 4.5 or later, you can click on the icon displayed to determine what level of encryption is being used for a particular Web page. IE5 will display the encryption level in a pop-up window when you place your cursor on the encryption icon in the lower right corner of the browser.