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These terms and conditions outline the rules and regulations for the use of Gum Tree Mortgage's Website, Web/Mobile App(s).


Gum Tree Mortgage is located at:
218 S Thomas St.
Suite 105
Tupelo, MS 38801

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Gum Tree Mortgage's website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves.

 

Cookies

We employ the use of cookies. By using Gum Tree Mortgage's website you consent to the use of cookies in accordance with Gum Tree Mortgage's privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

 

License

Unless otherwise stated, Gum Tree Mortgage and/or its licensors own the intellectual property rights for all material on Gum Tree Mortgage. All intellectual property rights are reserved. You may view and/or print pages from http://gumtreemortgage.com for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  1. Republish material from http://gumtreemortgage.com
  2. Sell, rent or sub-license material from http://gumtreemortgage.com
  3. Reproduce, duplicate or copy material from http://gumtreemortgage.com

Redistribute content from Gum Tree Mortgage (unless content is specifically made for redistribution).

 

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

 

Reservation of Rights (Links to Our Website)

We reserve the right at any time and in our sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

 

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  1. limit or exclude our or your liability for death or personal injury resulting from negligence;
  2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

 


 

Privacy Policy

It is Gum Tree Mortgage's policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to Gum Tree Mortgage.com. We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

 

  • PRIVACY NOTICE
  • GUM TREE MORTGAGE
  • Version Date: March 26, 2024

 


 

1. GENERAL

Gum Tree Mortgage ("Gum Tree Mortgage" or "we" or "us" or "our") respects the privacy of everyone ("Sites' visitor" "user" or "you") that uses our website at https://gumtreemortgage.com, as well as other device or online applications, web or mobile apps related or connected thereto (collectively, the "Sites").

The following Gum Tree Mortgage Privacy Notice ("Privacy Notice") is designed to inform you, as a user of the Sites, about the types of personal information that Gum Tree Mortgage may gather about or collect from you in connection with your use of the Sites. It also is intended to explain the conditions under which Gum Tree Mortgage uses and discloses that personal information, and your rights in relation to that personal information.

The Sites are hosted in the United States and is subject to U.S. state and federal law. If you are accessing our Sites from other jurisdictions, please be advised that you are transferring your personal information to us in the United States, and by using our Sites, you are agreeing to that transfer and use of your personal information in accordance with this Privacy Notice. You also agree to abide to the applicable laws of the State of Mississippi and U.S. federal law concerning your use of the Sites and your agreements with us. If your use of the Sites would be unlawful in your jurisdiction, please do not use the Sites.

 

Company Information

Gum Tree Mortgage
218 S THOMAS ST, SUITE 105
TUPELO, MS 38801
Email: answers@GumTreeMortgage.com
Phone: (662) 844-4833
Fax: (662) 844-0833

 

2. HOW WE COLLECT AND USE YOUR PERSONAL INFORMATION

Gum Tree Mortgage gathers personal information from users of the Sites. When you browse our Sites, subscribe to our services or contact us through various social or web forms you are voluntarily sharing personal information with us. This personal information also includes various data that we collect automatically. This may be the user's Internet Protocol (IP) address, operating system, browser type and the locations of the Sites the user views right before arriving at, while navigating and immediately after leaving the Sites. It may also include various technical aspects of user's computer or browser and users browsing habits that are collected through cookies. Gum Tree Mortgage may analyze various mentioned personal information gathered from or about users to help Gum Tree Mortgage better understand how the Sites are used and how to make them better. By identifying patterns and trends in usage, Gum Tree Mortgage is able to better design the Sites to improve users' experiences, both in terms of content and ease of use. From time to time, Gum Tree Mortgage may also release the anonymized information gathered from the users in the aggregate, such as by publishing a report on trends in the usage of the Sites.

When we believe disclosure is appropriate, we may disclose your information to help investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of Gum Tree Mortgage, our users, our employees or others; to comply with applicable law or cooperate with law enforcement; to enforce our Terms of Use or other agreements or policies, in response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us. We will notify you if permitted before undertaking such disclosures.

Gum Tree Mortgage reserves the right to transfer all information in its possession to a successor organization in the event of a merger, acquisition, bankruptcy or other sale of all or a portion of Gum Tree Mortgage's assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred information will be subject to this Privacy Notice, or to a new privacy notice if you are given notice of that new privacy notice and are given an opportunity to affirmatively opt-out of it.

 

3. DO WE USE COOKIES?

A "Cookie" is a string of information which assigns you a unique identification that a website stores on a user's computer, and that the user's browser provides to the website each time the user submits a query to the website. We use cookies on the Sites to keep track of services you have used, to record registration information regarding your login name and password, to record your user preferences, to keep you logged into the Sites and to facilitate purchase procedures. Gum Tree Mortgage also uses Cookies to track the pages that users visit during each of the Sites' sessions, both to help Gum Tree Mortgage improve users' experiences and to help Gum Tree Mortgage understand how the Sites is being used. As with other personal information gathered from users of the Sites, Gum Tree Mortgage analyzes and discloses in aggregated form information gathered using Cookies, so as to help Gum Tree Mortgage, its partners and others better understand how the Sites is being used. SITES' USERS WHO DO NOT WISH TO HAVE COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE COOKIES BEFORE ACCESSING THE SITES, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE SITES MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF COOKIES. SITES' USERS WHO REFUSE COOKIES ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Gum Tree Mortgage's use of cookies. Gum Tree Mortgage currently uses the following cookies on the Sites:

 


 

 


 

4. DO WE SHARE YOUR PERSONAL INFORMATION?

 

General Provisions

Gum Tree Mortgage contractually prohibits its contractors, affiliates, vendors and suppliers from disclosing any personal information received from Gum Tree Mortgage, other than in accordance with this Privacy Notice. These third parties may include advertisers, providers of games, utilities, widgets and a variety of other third-party applications accessible through the Sites. Gum Tree Mortgage neither owns nor controls the third-party websites and applications accessible through the Sites. Thus, this Privacy Notice does not apply to personal information provided to or gathered by the third parties that operate them. Before visiting a third party, or using a third-party application, whether by means of a link on the Sites, directly through the Sites or otherwise, and before providing any personal information to any such third party, users should inform themselves of the privacy policies and practices (if any) of the third party responsible for those Sites or applications, and should take those steps necessary to, in those users' discretion, protect their privacy.

 

Analytics

We may use third-party vendors, including Google, who use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize and serve ads based on your past activity on the Sites, including Google Analytics for Display Advertising. The personal information collected may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. If you do not want any personal information to be collected and used by Google Analytics, you can install an opt-out in your web browser (https://tools.google.com/dlpage/gaoptout/) and/or opt out from Google Analytics for Display Advertising or the Google Display Network by using Google's Ads Settings (www.google.com/settings/ads).

 

Social Media

We may use hyperlinks on the Sites which will redirect you to a social network if you click on the respective link. However, when you click on a social plug-in, such as Facebook's "Like" button or Twitter's "tweet" button that particular social network's plugin will be activated and your browser will directly connect to that provider's servers. If you do not use these buttons none of your data will be sent to the respective social network's plugin providers. To illustrate this further, imagine the scenario where you click on the Facebook's "Like" button on the Sites. Facebook will receive your IP address, the browser version and screen resolution, and the operating system of the device you have used to access the Sites. Settings regarding privacy protection can be found on the websites of these social networks and are not within our control.

 

Third-Party Service Providers

We may share your personal information, which may include your name and contact information (including email address) with our authorized service providers that perform certain services on our behalf. These services may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting the Sites' functionality and supporting contests, sweepstakes, surveys and other features offered through the Sites. We may also share your name, contact personal information and credit card personal information with our authorized service providers who process credit card payments. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such personal information for any other purpose. You can contact us to receive our current list of providers.

If you have opted in to receiving marketing communication from us then Gum Tree Mortgage may provide your personal information to third parties, with your consent, so that those third parties may directly contact you about additional products and services. To cease having your personal information used for marketing communication purposes, you can:
o Email us at answers@GumTreeMortgage.com
o Call us at (662) 844-4833
o Fax us at (662) 844-0833

 

5. MOBILE DEVICE ADDITIONAL TERMS

 

o Mobile Device.
If you use a mobile device to access the Sites or download any of our applications, we may collect device personal information (such as your mobile device ID, model and manufacturer), operating system, version personal information and IP address.

o Geo-Location Personal Information.
Unless we have received your prior consent, we do not access or track any location-based personal information from your mobile device at any time while downloading or using our mobile application or our services, except that it may be possible for Gum Tree Mortgage to determine from an IP address the geographic location of your point of connectivity, in which case we may gather and use such general location data.

o Push Notifications.
We send you push notifications if you choose to receive them, letting you know when someone has sent you a message or for other service-related matters. If you wish to opt-out from receiving these types of communications, you may turn them off in your device's settings.

o Mobile Analytics.
We use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record personal information, such as how often you use the application, the events that occur within the application, aggregated usage, performance data and where the application was downloaded from. We do not link the personal information we store within the analytics software to any personal information you submit within the mobile application.

 

6. LINKS TO EXTERNAL SITE

Our website may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.

 

7. AGGREGATED STATISTICS

Gum Tree Mortgage may collect statistics about the behavior of visitors to its website. This information is used internally to aid in the provision of our core services.

 

8. SECURITY

We take the security of your personal information seriously and use reasonable electronic, personnel and physical measures to protect it from loss, theft, alteration or misuse. However, please be advised that even the best security measures cannot fully eliminate all risks. We cannot guarantee that only authorized persons will view your personal information. We are not responsible for third-party circumvention of any privacy settings or security measures.

We are dedicated to protect all personal information on the Sites as is necessary. However, you are responsible for maintaining the confidentiality of your personal information by keeping your password and computer/mobile device access confidential. If you have an account with Gum Tree Mortgage and believe someone has gained unauthorized access to it or your account please change your password as soon as possible. If you lose control of your account, you should notify us immediately.

 

9. PRIVACY RIGHTS - CALIFORNIA USERS

 

Do Not Sell My Personal Information Notice - California Consumer Privacy Act (CCPA)

Gum Tree Mortgage has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. Gum Tree Mortgage will not sell personal information in the future belonging to Sites' visitors, users and other consumers.

 

If you are under 18 years of age

If you have registered account with Gum Tree Mortgage, you have the right to request the removal of unwanted personal information that you publicly post on our Sites. To request the removal of such information, please contact us using the contact information provided below. Make sure to include your account's email address and a statement that you reside in California.

 

"Shine the Light Law"

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, personal information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this personal information would include a list of the categories of the personal information that was shared and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to the address listed below.

 

10. CHILDREN

The Children's Online Privacy Protection Act ("COPPA") protects the online privacy of children under 13 years of age. We do not knowingly collect or maintain personal information from anyone under the age of 13, unless or except as permitted by law. Any person who provides personal information through the Sites represents to us that he or she is 13 years of age or older. If we learn that personal information has been collected from a user under 13 years of age on or through the Sites, then we will take the appropriate steps to cause this personal information to be deleted. If you are the parent or legal guardian of a child under 13 who has become a member of the Sites or has otherwise transferred personal information to the Sites, please contact Gum Tree Mortgage using our contact personal information below to have that child's account terminated and personal information deleted.

 

11. DO-NOT-TRACK NOTICE

Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. Because there is not yet a common understanding of how to interpret the DNT signal, the Sites currently do not respond to DNT browser signals or mechanisms.

 

12. GOVERNING LAW

Disputes over privacy issues contained in this Privacy Notice will be governed by the law of the State of Mississippi. You also agree to abide by any limitation on damages contained in our Terms of Use, or other agreement that we have with you.

 

13. PRIVACY NOTICE CHANGES

Gum Tree Mortgage may, in its sole discretion, change this Privacy Notice from time to time. Any and all changes to Gum Tree Mortgage's Privacy Notice will be reflected on this page and the date of the new version will be stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all personal information that we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. Gum Tree Mortgage will always post new versions of the Privacy Notice on the Sites. However, Gum Tree Mortgage may, as determined in its discretion, decide to notify users of changes made to this Privacy Notice via email or otherwise. Accordingly, it is important that users always maintain and update their contact personal information. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

 

14. CONTACT

If you have any questions regarding our Privacy Notice, please contact us at:

Gum Tree Mortgage
218 S THOMAS ST, SUITE 105
TUPELO, MS 38801
Email: answers@GumTreeMortgage.com
Phone: (662) 844-4833
Fax: (662) 844-0833

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