at Municipal Mortgage & Equity, LLC (MuniMae) and its affiliates
(the "company," "us" or "we") recognize the importance of protecting the
privacy of certain information collected about the users and visitors
what information we gather, how we use it, and how to correct or change
it. It is our intention to give you an understanding about how we
collect your information and the use we make of it in the course of our
However, be assured that the company will not disclose Personal Information
(as defined herein) to third parties without your consent, except
the information is submitted.
With Whom Does the Company Share Information?
As a general rule, we will not disclose any specific personal information that
you submit to us about you ("Personal Information") in a manner
that connects you with the Personal Information, except when we
have your permission or under special circumstances, such as when
we believe in good faith that the law requires it or under the
circumstances described below. The following describes some of
the ways that your Personal Information may be disclosed.
Business Partners & Sponsors:
We may disclose some or all of your Personal Information to business
partners or sponsors, but this use will be specifically described
to you prior to data collection or prior to transferring the data.
In many instances, only your e-mail address will be shared. If more
Personal Information will be shared, you will be notified prior
to the transfer.
Third Party & Aggregate Data:
From time to time, you may be offered the opportunity to receive
materials or special offers from third parties. If you opt to
receive information from these third parties, we will (with your
permission) share your name and e-mail address with such third
parties. Under confidentiality agreements, we may match Personal
Information with third party data. Also, we may keep track of
what portions of the website users are visiting and other user
statistics, and aggregate this information to help us create a
better experience for users of our website. This is all done without
knowing your name or other Personal Information in order to describe
our viewers and services to prospective partners, advertisers,
and other third parties, and for other lawful purposes.
We may also disclose account information in special cases when
we have reason to believe that disclosing this information is
necessary to identify, contact or bring legal action against someone
to or interference (either intentionally or unintentionally) with
any of the company's rights or property, other users, or anyone
else. 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.
What Happens When You Link to a Third Party Site?
You should be aware that when you are on the company's websites you can hyperlink,
or be directed to, other websites that are beyond our control
and/or outside our service. For example, if you "click" on a banner
advertisement or a search result, the "click" may transfer you
off our website. These other websites may include sites of advertisers,
sponsors, and partners that may use our and/or company logo as
part of a co-branding agreement. These other websites may send
their own cookies to users, collect data, or solicit Personal
We do not control such websites, and, therefore, are not responsible for their
contents or the hyperlinks or advertising they choose to place
on such websites. The inclusion of hyperlinks to these websites
by us affiliates does not imply any endorsement of the material
on such websites or any association with their operators. Our
the operation of the internet, which is beyond our control.
Please keep in mind that whenever you give out information on-line (for example,
via message boards or forums) that information can be collected
and used by people you do not know. While we strive to protect
users' information and privacy, we cannot guarantee the security
of any information you disclose on-line, and you disclose such
information at your own risk.
Is Information Secure from Others Using the Company's Website?
The security of all information associated with our users is an important concern
to us. We exercise care in providing secure transmission of your
information from your computer to our servers. Unfortunately,
no data transmission over the internet can be guaranteed to be
100% secure. As a result, while we strive to protect your information,
we can't ensure or warrant the security of any information you
transmit to us or from our on-line products or services, and you
do so at your own risk. Once we receive your transmission, we
use industry standard efforts to safeguard the confidentiality
of your information, such as firewalls and Secure Socket Layers
(SSL). However, "perfect security" does not exist on the internet.
WEBSITE. Your continued use of our websites following
the posting of changes to these terms will mean you accept those
Effective Date: This policy was last updated on March 24, 2008.