Privacy Policy

Effective Date: August 21, 2015

CMA (“Company”) may collect certain information through our internet website, located at (our “Website”). This “Privacy Policy” sets forth our policies and procedures surrounding the collection and handling of any such information that identifies an individual user or that could be used to contact or locate him or her (“Personally Identifiable I nformation”). By using our Website or allowing someone to use the Website on your behalf, you are consenting to our collection, use, disclosure, transfer and storage in accordance with this Privacy Policy of any Personally Identifiable Information and other information received by us as a result of such use.

This Privacy Policy applies only to our Website. It does not apply to any third-party website orservice linked to our Website or recommended or referred by our Website or by our staff. This Privacy Policy does not apply to any other website or online service operated by the Company or to any offline activities.

Personal Identification We May Collect

We may collect the following Personally Identifiable Information from users who use our Website: name, e-mail address, telephone number, employer, and address. We strive to uphold the highest standards of confidentiality when entrusted with our partner's personal, business, or corporate information.

We use “cookies” to collect certain information from all users and Website visitors. A cookie is a string of data our system sends to your computer and then uses to identify your computer when you return to our Website. Cookies give us usage data, like how often you visit, where you go at the site, and what you do.

We do not track our Website users over time and across third-party websites to provide targeted advertising and therefore we do not respond to Do Not Track (“DNT”) signals or other mechanisms from you regarding the collection of your Personal Data. We do not authorize the collection of Personally Identifiable Information from users for third party use through advertising technologies without separate user consent.

Our Use of Personally Identifiable Information

We use your Personally Identifiable Information to create your account and to communicate with you. Additionally, we use that information to the extent necessary to enforce our Website terms of service and to prevent imminent harm to persons or property.

If you provide Personally Identifiable Information for a certain reason, we may use the Personally Identifiable Information in connection with the reason for which it was provided. For instance, if you contact us by e-mail, we will use the Personally Identifiable Information you provide to answer your question or resolve your problem and will respond to the email address from which the contact came. If you provide Personally Identifiable Information in order to obtain access to or use our services, we will use your Personally Identifiable Information to provide you with access to or use of the services or functionality and to monitor your use of such services or functionality. We may use your Personally Identifiable Information for internal business purposes including without limitation to help us improve our services, to better understand our users, to protect against, identify or address wrongdoing, to enforce our terms of service, to provide you with customer service, and to generally manage our services and our business. We may use your Personally Identifiable Information to contact you in the future for our marketing and advertising purposes, including without limitation to inform you about services or events we believe might be of interest to you, to develop promotional or marketing materials and provide those materials to you, and to display content and advertising that we believe might be of relevance to you.

We use cookies so that our Website can remember you and provide you with the information you are most likely to need. For instance, when you return to our Website, cookies identify you and prompt the site to provide your username (not your password), so you can sign in more quickly. We use information gained through cookies to compile statistical information about use of our Website, such as the time users spend at the site and the pages they visit most often. Those statistics do not include Personally Identifiable Information.

Protection of Personally Identifiable Information

We employ various data security tools to protect Personally Identifiable Information. Unfortunately, even with these measures, we cannot guarantee the security of Personally Identifiable Information. By using our Website, you acknowledge and agree that we make no such guarantee, and that you use our Website at your own risk.

Contractor and Other Third-Party Access to Personally Identifiable Information

We restrict access to personal information to our employees, contractors, and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations. We may give certain independent contractors access to Personally Identifiable Information. These third parties may include mailing services, incentive fulfillment organizations, fraud prevention organizations, database management organizations, loan purchasers, loan servicers, and program-related contractors.

All of our contractors are required to sign contracts in which they promise to protect Personally Identifiable Information using procedures reasonably equivalent to ours. (Users are not third-party beneficiaries of those contracts.) We also may disclose Personally Identifiable Information to attorneys, collection agencies, or law enforcement authorities or pursuant to subpoenas to address potential Acceptable Use Policy violations, other contract violations, or illegal behavior. Additionally, we will disclose any information demanded in a court order or otherwise required by law or to prevent imminent harm to persons or property.

As noted above, we compile Website usage statistics from data collected through cookies. We may publish those statistics or share them with third parties, but the usage statistics do not include Personally Identifiable Information.

Accessing and Correcting Your Personally Identifiable Information

You can request deletion or modification of any Personally Identifiable Information we store by contacting us. We may, however, retain Personally Identifiable Information for an additional period as is permitted or required under applicable laws. Even if we delete your Personally Identifiable Information, it may persist on backup or archival media and other information systems.

Amendment of this Privacy Policy

We may change this Privacy Policy at any time by posting a new version on this page or on a successor page. The new version will become effective on the date it is posted, which will be listed at the top of the page as the new Effective Date. Your continued use of this Website following the effective date of any modifications to this Privacy Policy constitutes acceptance of those modifications. If any modification to this Privacy Policy is not acceptable to you, your sole remedy is to cease accessing, browsing, and otherwise using this Website.