Grin-stars Facebook-f Instagram Youtube Linkedin

1 ‪(813) 586-0086‬

Get My Quote

Your Privacy is Important to Us

Who we are

Our website address is https://amx.mortgage

Originally Published Jan 28, 2024, Last updated Oct 1, 2024

INTRODUCTION

AMX, Inc., DBA, American Mortgage Xpress (AKA “AMXpress”) (“we” or “us” or “our”) respects the privacy of our clients and users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, including any other media form, media channel, mobile website, or mobile application related or connected to it (collectively, the “Site”). Please carefully read this privacy policy for our site and services. If you disagree with the terms of this privacy policy, please do not access the site.

AMXpress NMLS#2502574 is not a federal government agency. Approved by HUD/FHA, Fannie Mae, Freddie Mac and Ginnie Mae. This is not a credit decision or a commitment to lend. 

Privacy Policy Changes

Although most changes are likely minor, this website may change its Privacy Policy occasionally and at our sole discretion. We encourage visitors to check this page frequently for any changes. Your continued use of this site after any change will constitute your acceptance of such change. We will alert you about any changes by updating this Privacy Policy’s “Last Updated” date. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification.

This Website is not for use by minors (defined as those who are not at least 18 years of age), and you must not use it if you are a minor.

  

PRIVACY POLICY 

When aboard the American Mortgage Xpress site, Your privacy and security are important to us. 

1. We don’t keep your personal info unless we really need it.

2. We won’t share your ticket details with anyone except to stay on track with the law, develop our products, or protect our rights.

3. We won’t store your information info on our servers unless it’s essential for the smooth ride of our services.

4. We NEVER sell your phone number or other data provided by you to any 3rd parties or services. 

Site Users and Visitors 

This website collects non-personally-identifying info like the browser type, language preference, referring site, and the time of each user’s request. We’re on a journey to understand how passengers use this website. Occasionally, we may announce non-personally identifying info in the aggregate, like a report on trends in the usage of our website. This website also notes potentially personally identifying info such as Internet Protocol (IP) addresses.

Personally-Identifying Info

Some users interact with this website in ways that require us to collect personally identifying info. The amount and type of info we collect depend on the nature of the interaction. We only collect info that’s necessary or appropriate to ensure a smooth journey. We won’t reveal personally identifying info except as described below. Passengers can always choose not to share personally identifying info, but it may prevent them from enjoying certain website-related activities or services.

Protection of Your Data  

We only reveal potentially personally-identifying and personally-identifying info to those individuals and affiliated organizations that: (i) need to know that info to provide services available on this website, and (ii) have agreed not to spill the beans to others. Some of these individuals and affiliated organizations may be located outside your home country; by hopping on this website, you agree to the transfer of such info to them. This website won’t rent or sell potentially personally-identifying and personally-identifying info to anyone. Apart from the individuals and affiliated organizations mentioned above, this website only reveals potentially personally-identifying and personally-identifying info when required by the law or when this website believes in good faith that disclosure is express-ly necessary to protect the property or rights of this website, third parties, or the public at large. 

PERSONAL INFORMATION USED TO COMPLETE A CREDIT PROFILE

The information provided in this report is private. Our privacy policy, as well as terms and conditions, are outlined on our website. The risk assessment report is compliant with the Fair Credit Reporting Act (FCRA). The FCRA regulates the accuracy, fairness, and privacy of information in consumer reports, which are defined as “any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part to serve as a factor in establishing the consumer’s eligibility” for credit, insurance or employment purposes. Thus, the FCRA is not limited to credit reporting—it extends to criminal and civil records, civil lawsuits, reference checks, and other information obtained by a consumer reporting agency.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer and the visitor’s browser provides to a website each time the visitor returns. This website uses cookies to help the website identify and track visitors, their usage of the website, and their website access preferences. Visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using this website, with the drawback that certain features of this website may not function properly without the aid of cookies. We have several cookies to save your login information and your screen display choices.

 

CHILDREN’S ONLINE PRIVACY “COPPA” INFORMATION
The following explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information:

We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will immediately delete such information from our records. If we change our collection practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. If at any time we establish or begin providing services on any website that in anyway meets the criteria of COPPA we will ensure that full compliance is met in every aspect of COPPA.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13 we also do NOT knowingly distribute such information to any third parties.

We do NOT knowingly allow children under the age of 13 to become customers, or otherwise distribute personally identifiable contact information.
Due to the fact we do NOT collect any personally identifiable information from children under the age of 13, we do NOT condition the participation in any online activities of a child under the age of 13 on providing personally identifiable information. However, even as outlined above we do NOT knowingly allow children under the age of 13 to access and use CrossCountryMortgage.com in general.

 

E-mail, Phone, and Text Messaging (SMS) Authorization

We never sell your contact information. Please note that by providing us with a telephone number for a cellular phone or wireless device (including one that you later convert to a wireless device number), you expressly consent to receive informational, telemarketing, and advertising communications from us. Such communications include, but are not limited to,  text messages and communications. You understand that you are not required to grant consent as a condition of purchasing any property, goods, or services from AMXpress. Should you wish to decline to provide such express consent or revoke your consent at any time, you may do so by emailing admin@amxpress.io or by any other method that reasonably ensures we receive your revocation. You understand that message and data rates may apply.

We obtain SMS consent from our clients in two ways:

1. Verbally: Clients can provide consent by calling us on our Toll-Free number, which is available on our website, www.amx.mortgage

2. Online: Clients can also fill out the loan intake form at www.amx.mortgage to provide their consent.

Data From Social Networks

User information from social networking sites, such as [Facebook, Google, Instagram, LinkedIn, and X], including your name, your social network username, location, gender, birth date, email address, profile picture, and public data for contacts, if you connect your account to such social networks.  

Mobile Device Data

Device information, such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access the Site from a mobile device.

Third-Party Data

We do not sell your Information to third parties. All information provided to AMXpress, such as personal information, is used if you express permission by connecting your account to a third party and granting the Site permission to access this information. 

Data From Contests, Giveaways, and Surveys

Personal and other information you may provide when entering contests or giveaways and/or responding to surveys.

Mobile Application Information

If you connect using our mobile Application:

  • Geo-Location Information. To provide location-based services, we may request access or permission to and track location-based information from your mobile device, either continuously or while you are using our mobile Application. You may do so in your device’s settings if you wish to change our access or permissions.
  • Mobile Device Access. We may request access or permission to certain features from your mobile device, including your device’s [bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS messages, social media accounts, storage,] and other features. You may do so in your device’s settings if you wish to change our access or permissions.
  • Mobile Device Data. We may collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
  • Push Notifications. We may request that you send you push notifications regarding your account or the application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.

USE OF YOUR INFORMATION

Accurate information about you lets us provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site [or our mobile Application] to:

  • Administer sweepstakes, promotions, and contests.
  • Compile anonymous statistical data and analysis for use internally.
  • Create and manage your account.
  • Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Site [and our mobile Application] to you.
  • Email you regarding your account or order.
  • Generate your personal profile to make future visits to the Site [and our mobile Application] more personalized.
  • Increase the efficiency and operation of the Site [and our mobile Application].
  • Monitor and analyze usage and trends to improve your experience with the Site [and our mobile Application].
  • Notify you of updates to the Site.
  • Offer new products, services, [mobile applications,] and/or recommendations to you.
  • Perform other business activities as needed.
  • Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
  • Request feedback and contact you about your use of the Site [and our mobile Application].
  • Resolve disputes and troubleshoot problems.
  • Respond to product and customer service requests.
  • Send you a newsletter.
  • Solicit support for the Site [and our mobile Application].

Marketing Communications

With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.

Advertisers

We may use advertising tools to serve ads when you visit the Site [or our mobile Application]. These companies may use information about your visits to the Site [and our mobile Application] and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.

Who do we share your data with?

We use your data and information to gather your risk assessment for mortgage loans. The information is used to advise clients through the mortgage application process. Once you agree to work with our company, we will abide by the law and comply with mortgage industry rules and regulations regarding verifying your information and shopping your file with potential lenders. 

CALIFORNIA PRIVACY RIGHTS
CALIFORNIA CIVIL CODE § 1798.83 PERMITS OUR VISITORS WHO ARE CALIFORNIA RESIDENTS TO REQUEST CERTAIN INFORMATION REGARDING THEIR DISCLOSURES OF PERSONAL INFORMATION TO THIRD PARTIES FOR THEIR DIRECT MARKETING PURPOSES.

 

Other Disclosures of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

 Monitoring and Enforcement; Termination

We will disclose your identity to law enforcement to comply with applicable govern agencies. Without limiting the preceding, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. 

By Law or to Protect Rights

Suppose we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others. In that case, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information for fraud protection and credit risk reduction with other entities.

 

any information obtained from the Website.