Using a Hardmoney Lender To Reach Business Goals

/9 Comments/in /by

Getting into the home-flipping industry isn’t as easy to do as it may seem. In order to be able to flip a home, you first need to be able to buy it. Getting financing from a traditional lender often takes a lot of time, which can mean that the property sells before you are able to even get financing to buy it. Fortunately, there is another lending option available. Hard money loans are loans with quick approval and that can be obtained using the property you plan to buy as collateral. The following guide walks you through a few tips to use when you want to use hard money loans to get your flipping business off the ground.

You Need to Have an Estimate for the Flipping Costs

When you go to apply for a hard money loan, it’s best to have an estimate for what the actual cost of the flip will be. This shows the lender that you have a plan in mind, know what the costs will be and that it will be a profitable investment for them to make. Hard money loans are often riskier for lenders because they don’t require an overly high credit score or a huge down payment for loan approval.

Hard Money Lenders Often Need to See the Property

Before you can be approved for a hard money loan, it’s common for a lender to send an agent to look at the property in person. The agent determines if the investment is worth making by looking at the condition of the property, the plans you have for it and the real estate market as a whole in the area. If the property is located in a part of town where the properties sit for an extended period of time without selling, the lender may be leerier about approving your loan.

Hard Money Loans Can Get the Ball Rolling Quickly

When you flip a home, the sooner you can start working on the remodeling the better. Approval for a hard money loan can take as little as a few days, whereas approval for a traditional loan can take quite a few weeks or even months. Being able to get the money you need for the home as quickly as you can better your chances of actually being able to get it.

Hard Money Loans Designed to be Paid off Quickly

Typically, flippers get hard money loans because they know that they are going to repay them quickly. They plan to buy the home, flip it and make a huge profit. The money they get from the sale goes directly to pay off the loan that then any money left over serves as their profits. Knowing that you are paying a slightly higher interest rate than you would if you had a traditional loan can sometimes light a fire in you that makes you work harder and faster. This ensures that you are able to make as much profit as possible because you are paying the least amount in interest payments as you can.

Getting Future Loans Will be Easier

When you work with hard money lenders and prove that you will pay off the loan quickly, it makes it easier to get a loan with them in the future. Being able to show that you are responsible and diligent proves that you aren’t as much of a risk as some other borrowers and can make it much easier for you to get another loan in the future. This is ideal when flipping houses because you want to go through as little hassle as possible when it comes to getting financing for the loans as you can.

In 2018, home ownership dropped to 64.2%, meaning that home buying is at an all-time low. First time flippers make the mistake of buying a home without taking the neighborhood into consideration. This could be a huge problem according to property expert Egypt Sherrod. “I think it’s a mistake to buy and try to flip a property in a troubled neighborhood where every other home on the street is in disrepair,”.  It’s important to make sure not only the house, but the neighborhood is appealing to potential buyers in the current buyer’s market. To better your chances of approval of a hard loan, have detailed examples of what you plan to do to make the house unique and the positive aspects of the neighborhood and surrounding areas. Getting a hard money loan may be easier than a traditional loan, but proper preparation is key.

References:

U.S. Census Bureau, Current Population Survey/Housing Vacancy Survey, April 25, 2019. https://www.census.gov/housing/hvs/files/currenthvspress.pdf

Gray, Liz. Flipping a House? 5 Dos and Don’ts You Need to Know First. https://www.hgtv.com/shows/flipping-virgins/house-flipping-dos-donts-from-egypt-sherrod

The Inner Workings of Hardmoney Loans

/1 Comment/in /by

Starting off in the real estate market can be difficult when you are a new investor. Getting the money necessary to buy properties isn’t always easy to do. FreeandClear states that  “Although all the mortgage documents are intended to serve a specific purpose, usually legal or regulatory, the sheer amount of paperwork creates significant difficulties”. Many new investors turn to hard money loans to finance their projects because they are quick and often easier to get than traditional loans. Before applying for a hard money loan, use the following tips to ensure you can make an informed decision.

Find a Reputable Hard Money Lender

The first thing you need to do is find a reputable hard money lender. You need to ask for references from others who have been in the real estate business for a while. Hard money lenders are often individual investors who must be licensed in order to provide loans. You can check the licensing of any lender with the local real estate bureau. You want to be sure you work with reputable lenders to ensure you get the best loan possible.

Ensure You Are a Good Candidate for a Hard Money Loan

The great thing about hard money loans is that you don’t need a stellar credit score to be approved for one. Many people with subpar credit scores are able to get loans based off of the value of the property they are purchasing. The property serves as collateral for the loan. You don’t have to put down a large down payment, but you do have to repay the loan quickly. Many people pay off the loans when they sell the property for a profit. Hard money loans aren’t ideal for people looking to finance their personal home. Because the loans require such a quick repayment time and have high-interest rates, it wouldn’t be financially beneficial to use hard money lenders for the financing of your personal home.

Interest Rates for Hard Money Loans are High

The interest rates that hard money lenders charge for their loans are often higher than the rates of traditional loans of 3.99%. The lenders don’t take a down payment when they get the loan and thus need to make a profit from the loan in some way. The interest payments are high, but they are worth it for many investors. The hard money loans allow them to get the money they need quickly with little hassle.

Fees Are Often Associated with Hard Money Loans

Hard money lenders often charge an origination fee for the loans they offer. The origination fee is a fee that covers the processing of the loan. The fee will be pretty high when you apply for your first few loans. Once you have established a relationship with a lender, this fee often drops over time.

Hard Money Loans Aren’t Long Term Loans

It’s important to determine how long you want to take to pay back the loan before you apply for one. If you are looking to pay back a loan over the course of a few decades, a hard money loan isn’t right for you. Most hard money loans have a strict deadline by which the loan must be repaid. The exact date the loan must be repaid is included in the contract that you sign. Some lenders are negotiable when it comes to the payback date. If you are going to sell the property quickly for a profit, repayment of the loan in a short period of time should be easy.

Failure to Pay the Loan Isn’t an Option

Hard money lenders ensure their investment. They make sure that they will get repaid for the loan that they give you no matter what. When you agree to a hard money loan, you use the property you are buying or another property as collateral. If you fail to pay the loan, the lender can legally take the property from you. This doesn’t happen often because the people who invest in real estate through hard money loans already know that they are going to sell it for profit and repay the loan quickly.

Hard money lenders are often very easy to work with when it comes to real estate investing. They know that buyers need to get money quickly in order to get the jump on other buyers in the market. They work quickly and are able to provide you with large amounts of money in a short period of time. They are a great option for newbie investors who want to get their feet wet in the real estate market.

References:

https://www.washingtonpost.com/realestate/many-borrowers-say-the-mortgage-process-is-a-major-pain/2017/02/28/c215d3ba-fdc2-11e6-8f41-ea6ed597e4ca_story.html?utm_term=.a92d16a37517

https://www.fhfa.gov/DataTools/Downloads/Pages/Monthly-Interest-Rate-Data.aspx

Working With Hardmoney Lenders

/in /by

If you want to be a real estate investor today there is an advantage to having a good relationship with hardmoney lenders. Especially in today’s market great deals come up quickly and to be able to take advantage of a good deal when it becomes available you will need a good source for available funds. Bank loans are very strict today and it may not be possible to get quick financing from conventional financing. Hardmoney lenders are available to provide financing to the real estate investor when they need financial assistance to take advantage of opportunities that come up quickly.

Private money lenders offer loans that are considered non-traditional and are called hard money personal loans. For the real estate investor, working with hardmoney lenders who offer a hard money rehab loan means that both parties will make money from the properties that they find. The lender will base the loan application on the potential of the property after it is repaired. Their criteria is asset based and when the real estate investor finds a property that they can rehab and turn a quick profit the hard money mortgage loans will give them the opportunity to take advantage of the property to make a quick profit.

Another advantage that the hard money mortgage loan holds for the real estate investor is that credit checks are not required being that the criteria for the loan in based on the rehab value of the property. If the investor has less than perfect credit it is still possible to get a loan from the lender. It is also not necessary for the borrower to fill out piles of paperwork, produce endless credentials or any other types of financial proof of stability. The property speaks for itself.

Hardmoney lenders are much easier to deal with than conventional lenders or bank officers. After flipping a couple properties it is possible to build a good working relationship with the lenders making the funding even easier. The private lender is just that and there is no necessity to deal with a panel of loan processors or a loan team just to obtain a simple mortgage. The loan offer comes quickly and makes all the difference when the real estate investor is trying to take advantage of a great deal that comes along. Instead of waiting weeks for an application approval it will only take days. If you are looking for a private lender your fellow investors will probably know a couple good private lenders who will be willing to work with you.

Hard Money Mortgage Lender

/in /by

Are you having trouble paying your mortgage bills? Losing a job or a new change in salary can affect a family’s ability to pay their mortgage payments on time. However, this doesn’t have to be the end for you and your family. Read on to learn more about how a hard money mortgage lender can help you through your financial struggles.

How Hard Money Mortgage Loans Work

Have you tried getting a traditional loan from a bank or credit union? You might not have much luck if your credit score is too low or you need money right away. Several factors can stand in your way of getting a loan from traditional lenders.

However, all is not lost if you are desperate for financial assistance. When you have no other alternative to help pay your mortgage bills, then a mortgage lender might be your only hope.

Hard money mortgage lenders can come from private individuals or a group of lenders willing to invest in real estate. You can find some good ones online or in your local area. Then you can fill out an easy application to see how much you can borrow from the investor.

Fast Money and Having a Proposal

If you need money right away to pay your mortgage bills, then mortgage lenders are the way to go. They usually approve you a lot faster than traditional loans. So, even if you can get a traditional loan, it might be too late by the time you get the money you need.

According to Financing Strategies For Real Estate Investments, a hard money mortgage lender “will lend based on the strength of deal and not so much on the ability of the borrower to pay it back.” This means that the borrower need not have a history of good credit or proof of income.

As long as the investor will make money off the deal, they will more than likely help you keep your home. Therefore, you need to have an excellent proposal that portrays how you will pay them back the money you borrowed. If it’s organized and thorough enough, then your chances of them approving you for a loan are much higher.

How Much Can You Borrow from a Mortgage Lender

However, they won’t trust you to repay such a hefty loan. You need to put your property up as collateral to get them to agree to the deal. As reported by the Financing Strategies For Real Estate Investments, a mortgage lender will usually lend out 60 to 70% of what your property is worth. This is how they earn a profit from the deal since they can sell the property if the borrower isn’t able to repay. They won’t if they gave you 100% of the property’s worth.

Pitfalls of Hard Money Mortgage Loans

Getting a hard money mortgage loan can save you from foreclosure and losing your home for good. However, these loans have a lot of negative aspects to it than from traditional ones. As stated by the Financing Strategies For Real Estate Investments, these mortgage lenders can charge you an 8 to 18% interest rate on your loan. This is because hard money loans give you a shorter amount of time to repay them back.

They can also charge you points and other fees that will increase the total amount you borrow. Loan points are a percentage of your loan. You might think one or two points is nothing, but if you borrow $200,000, one point would be $2,000 each. That can be more than you bargained for, so make sure you can repay them, and the deal is worth it.

You should shop around to see which lender will give you the best deal possible. It’s important to ask what their interest rates and other stipulations they have before accepting or signing any papers. Each lender will have different rules, so don’t settle for the first one that sounds good.

Research online today to find the best hard money mortgage lender to see if it’s an option for you and your family. There’s always an investor out there willing to give you a shot even when you have negative circumstances preventing you from getting a loan from banks or credit unions. It might help you keep the house you love and avoid a foreclosure going on your credit history.

Source:  http://ideaexchange.uakron.edu/cgi/viewcontent.cgi?article=1445&context=honors_research_projects

 

 

Hard Money Personal Loans Defined?

/2 Comments/in /by

Not to stereotype or anything like that but when I think of hard money personal loans, I think of the old fashioned loan shark that we all got to know in those movies made in the 50’s. As far as these types of loans go, in their true sense, they are very hard to come by. There are not any financial institutions or banks that will make a personal loan to anyone with bad credit or is in a financial crisis. That is going on my definition of a personal loan, which would be a loan on your signature and promise to pay only. These signature and promise to pay loans are available on a business level, and they are called bridge loans, mostly to fund a project and the lender is betting that the project pays off. For a hard money personal loan, be prepared to put up some type of collateral.

The hard money lenders are usually private parties and they want as much assurance that the loan will be paid as they can get. It is very common to fund a hard money loan with real estate for the collateral. Although, there are certain instances when you could put anything you own that is of value up for collateral on hard money loan. This will all be up to the lender and just how creative he feels like being on this particular situation.

When you are looking for hard money personal loans, you should be aware that whatever you’re collateral is, you will only be able to borrow about 50% to 60% of its current value. This is because the lender wants to be sure if you default on the loan, he will be able to get his money back out of his investment. The tougher your situation is, the less the loan to value ratio is likely to be.

Just as your particular situation will play a large part in what your loan to value ratio is, the interest rate will also reflect the amount of risk that the lender feels he is taking on with your loan. The interest rates will usually fall in the higher than normal range. This will be somewhere from 11% to 18% depending on the risk and other factors of your loan. There is a place for hard money personal loans and at times they can be of great help.

Define Hard Money Easily

/in /by

Looking to define hard money the easy way? This article will help you understand what hard money is really all about, understand who it’s for and when it is usually used. You can find all sorts of hard money definition online but below is a more comprehensive explanation for those who are confused. Read along to be able to define hard money yourself.

Hard money is the term used for the finances you receive from a hard money loan. On the other hand, a hard money financing is a loan based on the borrowers assets. Investors are usually the ones who avail of this type of loan. It is usually used to invest on a real estate property. Take for example if you are looking into a business venture such as buying and selling a house or buying a commercial property and having it leased by retailers, then getting a hard money type of loan is right for you.

Now that you are able to define hard money, you are probably wondering where to receive those funds? Who lends hard money and how easy or difficult can one avail of it? There are a lot of hard money lenders out there. You just have to get in the know. These lenders are usually discreet because of the amount of cash they handle and manage. Imagine these people have extra and readily available cash to invest on various business ventures. Just imagine how much money is involved. Thus, they usually work from the comforts of their homes. This is why you have to ask around and see if anyone knows one. Ask your neighbors or those in the real estate business to find out if there is one in your area. This is also why they are referred to as the private lenders. They are not like your conventional bank that everyone knows.

So why do you think is hard money preferred by those who avail it over getting a loan from a bank? Like what we are discussing above when we define hard money, it is perfect for those who are acquiring a real estate property because the primary collateral will be the real estate property. And since properties move quickly in the real estate business, specifically the ones for investment purposes, it’s best to get hard money because of the faster processing times. Lenders of this type of loan aren’t like banks that processes loans for at least 30 days. When you get an investor for let’s say a fixer upper home, you simply need to convince that lender and show the property. Once he or she agrees, you’ll easily receive the funds.

Privacy Policy

/0 Comments/by

Effective date: August 18, 2019

Hard Money Lenders Online (“us”, “we”, or “our”) operates the https://hardmoneylendersonline.com/ website (hereinafter referred to as the “Service”).

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://hardmoneylendersonline.com/

Definitions

Service

Service is the https://hardmoneylendersonline.com/ website operated by Hard Money Lenders Online.

Personal Data

Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data

Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies

Cookies are small files stored on your device (computer or mobile device).

Data Controller

Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.

For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors (or Service Providers)

Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.

We may use the services of various Service Providers in order to process your data more effectively.

Data Subject (or User)

Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send.

Usage Data

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.
  • Advertising Cookies. Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.

Use of Data

Hard Money Lenders Online uses the collected data for various purposes:

  • To provide and maintain our Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer support
  • To gather analysis or valuable information so that we can improve our Service
  • To monitor the usage of our Service
  • To detect, prevent and address technical issues
  • To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), Hard Money Lenders Online legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

Hard Money Lenders Online may process your Personal Data because:

  • We need to perform a contract with you
  • You have given us permission to do so
  • The processing is in our legitimate interests and it is not overridden by your rights
  • To comply with the law

Retention of Data

Hard Money Lenders Online will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

Hard Money Lenders Online will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of Data

Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Hard Money Lenders Online will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Business Transaction

If Hard Money Lenders Online is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, Hard Money Lenders Online may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

Hard Money Lenders Online may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of Hard Money Lenders Online
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Our Policy on “Do Not Track” Signals under the California Online Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Hard Money Lenders Online aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data.

If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

The right to object. You have the right to object to our processing of your Personal Data.

The right of restriction. You have the right to request that we restrict the processing of your personal information.

The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

The right to withdraw consent. You also have the right to withdraw your consent at any time where Hard Money Lenders Online relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyse the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service.

Google AdSense DoubleClick Cookie

Google, as a third party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us: