Program	Rate	Points	APR
Conf 15 Yr Fixed	6.375%	0.000	6.478%
Conf 30 Yr Fixed	6.999%	0.000	7.066%
Elite Conf 15 Yr Fixed	6.375%	0.000	6.478%
Elite Conf 30 Yr Fixed	7.125%	0.000	7.193%
Last update: 2024-11-21

P3P Privacy Policy

Last Modified: March 9, 2020

About Us

This is a p3p Privacy Policy for American Realty Associates. Our homepage on the Web is located at https://www.americanrealtynow.net. The full text of our privacy policy is available on the Web at https://www.americanrealtynow.net/policy/.

Users may go to https://www.americanrealtynow.net/policy/ for information on how to opt-in or opt-out of use of their information.

We invite you to contact us if you have questions about this policy. You may contact us by mail at the following address:

American Realty Associates
18062 Irvine Blvd
Suite 107
Tustin, CA 92780
USA

You may contact us by e-mail at mikhailmagdy1@hotmail.com. You may call us at 949-275-2701.

Dispute Resolution and Privacy Seals

We have the following privacy seals and/or dispute resolution mechanisms. If you think we have not followed our privacy policy in some way, they can help you resolve your concern.

American Realty Associates: Contact Customer Service by Email at mikhailmagdy1@hotmail.com
American Realty Associates: Contact Customer Service by Phone at 949-275-2701

Data Collection

P3P policies declare the data they collect in groups (also referred to as "statements"). This policy contains 3 data groups. The data practices of each group will be explained separately.

Group "Access Log Information"

We collect the following information:

Click-stream data

This data will be used for the following purposes:

Completion and support of the current activity.
Web site and system administration.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Our Web Server collects this information to provide metrics regarding site usage and load levels.

Group "Loan Application Information"

We collect the following information:

HTTP cookies

At the user's option, we may also collect the following data:

Physical contact information
Online contact information
Preference data
Government-issued identifiers
Financial information
Unique identifiers

This data will be used for the following purposes:

Completion and support of the current activity.
User analysis. The user must opt-in to this usage.
User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

We collect this information in order to service the requests of our visitors.

Group "Contact Information"

We collect the following information:

HTTP cookies

At the user's option, we may also collect the following data:

Online contact information
Preference data
Physical contact information

This data will be used for the following purposes:

Completion and support of the current activity.
Web site and system administration. The user must opt-in to this usage.
User analysis. The user must opt-in to this usage.
User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Uniquely Identify User Accounts for our Visitors

Cookies

Cookies are a technology which can be used to provide you with tailored information from a Web site. A cookie is an element of data that a Web site can send to your browser, which may then store it on your system. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.

Our site makes use of cookies. Cookies are used for the following purposes:

Site administration
Completing the user's current activity
User analysis
Individual-based decision-making

Compact Policy Summary

The compact policy which corresponds to this policy is:

    CP="ALL DSP COR CURa ADMa IVAi IVDi OUR LEG BUS PHY ONL UNI FIN COM NAV STA PRE GOV"

The following table explains the meaning of each field in the compact policy.

Field	Meaning
`CP=`	This is the compact policy header; it indicates that what follows is a P3P compact policy.
`ALL`	Access to all collected information is available.
`DSP`	The policy contains at least one dispute-resolution mechanism.
`COR`	Violations of this policy will be corrected.
`CURa`	The data is used for completion of the current activity.
`ADMa`	The data is used for site administration.
`IVAi`	The data is used for analysis, including knowledge of the visitor's identity, if the user selects it.
`IVDi`	The data is used for decision-making, including knowledge of the visitor's identity, if the user selects it.
`OUR`	The data is given to ourselves and our agents.
`LEG`	Legal requirements specify how long the data will be kept.
`BUS`	Our business practices specify how long the data will be kept.
`PHY`	Physical contact information is collected.
`ONL`	Online contact information is collected.
`UNI`	Unique identifiers are collected.
`FIN`	Financial information is collected.
`COM`	Computer information is collected.
`NAV`	Navigation and clickstream data is collected.
`STA`	State-management data is collected
`PRE`	Preference information is collected.
`GOV`	Government-issued identifiers are collected.

The compact policy is sent by the Web server along with the cookies it describes. For more information, see the P3P deployment guide at http://www.w3.org/TR/p3pdeployment.