Privacy Policy

This privacy statement describes how https://howardedavies.com known as (“we”, “us,” or “our”, “this site”, “site”, “this website”. “our website”) collects and uses the personal information of users and visitors (“user”, “you”, or “your”) of our website: https://howardedavies.com

This website is not designed to appeal to children under the age of 18 because our business is by nature financial. We don’t attempt to solicit or receive any information from children.

Do we collect personally identifiable information?

Yes, we may collect non-public personal information for the purposes of this Privacy Policy. We do not use any trackers, cookies or any other electronic or method to collect non-public personal information.

How we protect your personal information and your privacy

We may collect non public personal information about you. If you choose to instigate a phone call or text to the author he is person, not a website and any mortgage related texts or phone call you make with him are made in accordance with his role as a licensed National Mortgage Licensing System (NMLS) Mortgage Originator.

Do we share my personal information with third parties?

We may share some of your personal non-public information if you apply for a mortgage. However, we would not share any of it with anyone except:

  • On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you.
  • At your direction and with your consent.
  • As required or permitted by law.
  • We may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

Your California Privacy Rights

California Civil Code § 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write us:

Howard Davies, American Family Funding Group, 1190 S. Bascom Ave, #215, San Jose, CA 95128

DISCLOSURE FOR CALIFORNIA USERS. THIS WEBSITE DOES NOT TRACK COOKIES OR ANY OTHER PERSONALLY IDENTIFIABLE INFORMATION AND TO THE VERY BEST OF OUR KNOWLEDGE NO OTHER NON-AFFILIATED PARTIES COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE. WITH THAT SAID WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE HOWARDEDAVIES.COM WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US VIA THE CONTACT HOWARD PAGE.

Your California Privacy Rights

Subject to the terms herein regarding a change in business ownership or structure, we do not collect and therefore have none of your personal information to share (as defined by California Civil Code Section 1798.83). However, even if we did we would not share your personal information with third parties for their direct marketing purposes without giving you the opportunity to opt in or opt out as more fully described above in the “Choices and Opting Out” section. If you are a California resident, you may request information about our compliance with California law by emailing howard@howardedavies.com or by sending a letter to Howard Davies, 1190 S. Bascom Avenue Suite 215, San Jose, CA 95128, Attention: Legal Counsel. Any such request must include “California Privacy Rights Request” in the subject line and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this designated email address or mailing address.

California Business & Professions Code Section 22575(b) provides that California residents are entitled to know how we respond to “Do Not Track” browser settings. This site does not currently take actions to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.

Who can I contact for privacy related issues?

You can contact us by mail at: Howard Davies, 1190 S. Bascom Ave #215, San Jose, CA 95128