Terms of Use/Disclaimer
Information on FederalMortgageAssistance.com a division of Bumbrella’ (hereafter "Company") website (the "Site") and other information provided by Company is intended solely for general guidance purposes only. Company does not provide legal, tax, or accounting advice. Each website user is advised to consult his or her own financial advisor and/or legal representative regarding the application of any information on Company’s website to his or her personal circumstances. Company’s website and the information, data, products and services associated with it are provided “as is.” Company expressly disclaims any warranties of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, data, and services provided herein, including without limitation, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and/or representations or warranties that you will obtain or receive a home loan modification through Company. Use of Company’s website is at your own risk. Company shall not be held liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with your use of its website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise.This disclaimer shall not apply in any jurisdiction that does not allow the exclusion of implied warranties.

Company respects your right to privacy. We are committed to protecting your privacy. Your continued use of our website and your submission of any information to us indicate that you have read, understand and agree to our Privacy Policy.

We have detailed our Privacy Policy so that you know how we collect and protect the information you decide to provide us. This Privacy Policy will tell you:
What information is collected by the Company.
How you can let us know your preference for sharing of information How we may share information.
Choices for Company Customers

Your California Privacy Rights
Beginning January 1, 2005 under California's "Shine the Light" law, California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to either (1) a list detailing the categories of information shared and the entities to which such information was provided, or (2) be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option.
To opt-out of having your information shared with third parties, send your request, including your full name, email address and postal address to:
Privacy Compliance 2222 Francisco Dr # 310 El Dorado Hills, CA 95762

E-mail
When you fill out one of our forms, you may choose to receive e-mail that informs you about new merchandise, sales, special discounts and promotions. In addition, we may send you e-mail to help us learn more about you and your preferences. If, after you have shared your e-mail address with the Company, you decide that you do not want to receive e-mail from the Company, you can discontinue promotional e-mail by clicking on the hyperlink shown in all Company e-mails and follow the directions to indicate your unsubscribe preference. If you have registered or submitted information under more than one e-mail account, you must submit separate unsubscribe requests from each account.

Note that you may continue to receive e-mail from entities other than the Company. Request for More Information As it relates to e-mail communications or any other questions you might have about our Privacy Policy, you may e-mail support@federalmortgageassistance.com, or write us:
2222 Francisco Dr # 310 El Dorado Hills, CA 95762

How your information is shared once we receive it.
Within the Company
We share information we collect from all points of contact within the Company network, including with our parent compan and with any other subsidiaries of our parent. The information you give us and information about your transaction may be combined with other personally identifiable information available from our records and other sources. We use this information to offer you products, services, offers and benefits that may be of interest to you.

Carefully Selected Companies and Organizations
We may share your information with carefully selected vendors, business partners and other organizations which are not part of the Company. These companies and organizations use the information we provide them to assist us in serving your needs. These disclosures may be made to help us enforce or apply existing terms and conditions and/or other agreements or to protect the rights, property or safety of our websites, our users or others. We may also share your information with carefully selected advertisers and marketers for various marketing purposes, including their on-line and/or off-line programs or services.

Governmental Agencies or Other Companies
We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when (1) permitted or required by law, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions, or (3) investigating fraud that has already taken place. In all cases, this information is not provided to these entities for marketing purposes.

Right to Transfer
Should the Company choose to sell or transfer business assets, it is possible that the information we possess may be transferred as part of that transaction. The Company may decide to retain a copy of the information post sale or transfer.

What Information is collected and How Do We Protect It?

Consumer Information
We receive and may keep information you gave us because you decided to register on one of our, or one of our affiliate's websites, or because you decided to take part in a special promotion or fill out any other form on one of our, or one of our affiliate's websites. This information may include:

Your e-mail address
Your name
Your mailing address
Your telephone number
Your Mortgage information
Your gender

This information may also include any other personal information or unique preference information you choose to provide us.

Information from Other Sources
We may receive information about you from other sources. This information may help us to improve our ability to service your needs on a personalized basis. It helps us to learn about your shopping preferences and also helps us let you know about new offers from us or our affiliates. We may use this information to tell you about great offers that we think you might like.

Automatic Information
We want you to be aware that certain tools exist to help us service and recognize you. For your convenience, to help us personalize your experience or better serve your needs, we may receive and store certain types of information when you visit one of our websites. You may be familiar with the term "cookies," which are unique alphanumeric identifiers. These cookies are placed on your computer when your web browser accesses our websites. We use this information to educate us on things such as how you navigate to and around our websites, product browsing, content accessing, and purchasing data. If you choose, there are utilities available for purchase from independent software providers to install on your computer as well as tools/preferences you can choose through most web browsers to make website visits anonymous. Of course, cookies let you have a more satisfying website experience, so we recommend that you leave them turned on.

Information Required by the Government
Companyor it's affiliates may be required to collect and submit certain information required by the government, such as a completed IRS Form W-9. This information, which may include your taxpayer identification number, will not be used, shared, transferred, or sold for marketing purposes.

WHAT HAPPENS IF I HIT A LINK TO ANOTHER SITE FROM A COMPANY SITE?

Our websites may offer links to other sites. Other sites have their own terms of use and privacy and security policies. If you choose to visit one of these sites, you should review the policies that govern that particular site.

APPLICATION OF THIS PRIVACY POLICY

This Privacy Policy applies to all information collected by or submitted to the Company. Other affiliated entities of the Company may obtain information independently from transactions and experiences with you or from other sources. This Privacy Policy does not pertain to that information.

WHAT IS THE POLICY WITH RESPECT TO COMMUNICATING WITH CHILDREN?

We recognize the unique privacy concerns regarding children. We are committed to carefully protecting privacy where children are involved no matter the point of contact. In particular, our intention is to fully comply with the Children's Online Privacy Protection Act (COPPA). Per COPPA guidelines, we do not knowingly collect personally identifiable information from children under the age of 13. If a parent or guardian is made aware that a child under the age of 13 has provided us with personally identifiable information through any point of contact, we ask to be contacted at support@federalmortgageassistance.com and we will delete the information about the child referenced from our files.

YOUR CONSENT
By sharing information with us, you consent that Company can use the information collected or submitted as described in this Privacy Policy. We may change or add to this Privacy Policy so we encourage you to review it periodically. We promise to do our best to remain current on changing state and federal guidelines in the privacy and data security areas. In order to track any changes to this Privacy Policy, we will include a historical reference at the end of this Privacy Policy. This will begin at the next subsequent revision following the posting of this dated edition. It will include the date of the Privacy Policy, when last updated, and a brief description of any material changes.

Security

Our Commitment to Data Security
There is no such thing as complete security on the Internet or otherwise. The Company uses industry standard security techniques on our websites to help protect against the loss, misuse or modification of information we've collected from you. When you access your personal information or transmit personally identifiable data to us, that information is stored on servers that we have protected from unauthorized access or intrusion. While we strive to protect your information, the Company cannot ensure or warrant the security of any information you transmit to us. You acknowledge and assume this risk when communicating with the Company, its partners and affiliates.

Equal Credit Opportunity Act (ECOA)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capability to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If you have any questions regarding your rights, or if you wish to file a complaint, please contact:

The Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580

The Fair Housing Act

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property. Anyone who feels he or she has been discriminated against should send a complaint to:

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, DC 20410

Use of Company’s website and/or any contractualor non-contractual relationship between Company and its client and/or affiliates and/or contractors shall be governed and construed in accordance with the laws of the United States of America and, to the extent that state law is applicable, by the laws of the State of California, without regard to conflict of law principles. LIMITATION OF LIABILITY Waiver and Release

YOU UNDERSTAND AND AGREE THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY, AS WELL AS THE TERMS AND CONDITIONS OF THIS WEBSITE (INCLUDING LIMITATIONS ON DAMAGES, AND ARBITRATION OF DISPUTES). YOU AGREE THAT THE COMPANY'S LIABILITY FOR ANY BREACH OF THIS PRIVACY POLICY SHALL BE LIMITED TO THE VALUE OF THE TRANSACTIONS OR SERVICES PROVIDED TO YOU BY THE COMPANY TO THE EXTENT SUCH CLAIM IS NOT OTHERWISE BARRED BY OUR TERMS AND CONDITIONS.

All website Services and information are being provided “AS IS” and Company expressly disclaims any and all warranties, whether express or implied, including without limitation any implied warranties of merchantability or fitness for a particular purpose, to the fullest extent permitted or authorized by law. Without limitation of the foregoing, Company expressly does not warrant that the Services will meet your requirements, function as intended, or that the use of the Service will be uninterrupted or error free. In no event shall Company be liable for any or all direct, indirect, incidental, special, exemplary or consequential damages (including, but not limited to, procurement of substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liability, or tort (including, but not limited to, negligence or otherwise) arising in any way out of the use of the Service, even if Company is aware of or has been advised of the possibility of such damages. Company will not be responsible for any lost data.
Accordingly, You for Yourself and all of Your heirs, personal representatives, predecessors, successors and assigns, hereby fully release, remise, and forever discharge Company and all affiliates of Company, and all officers, agents, employees, and representatives of Company, and all of their heirs, personal representatives, predecessors, successors and assigns, for, from and against any and all claims, liens, demands, causes of action, controversies, offsets, obligations, losses, damages and liabilities of every kind and character whatsoever, including, but not limited to, any action omission, misrepresentation or other basis of liability founded either in tort or contract and the duties arising thereunder, whether known or unknown, relating to or arising out of, or in any way connected with or resulting from, the Services and Your acquisition and use thereof, including, but not limited to, the provision of the Services by Company and its agents and employees.