Legal Information

Tracking Activity On Our Site

When you browse amoinc.com and have not registered for any online service from Asset Management Outsourcing, Inc. (AMOI), you browse anonymously. Personally identifiable information — such as your name, address, phone number, and e-mail address — is not collected as you browse.

However, we track how our site is used by both anonymous visitors and our registered customers. One way we track is by using a small string of text that is sent to your browser known as a "cookie." Cookies collect information that includes the server your computer is logged onto, your browser type (for example, Netscape or Internet Explorer), and whether you responded to an AMOI banner ad from outside our site or through an e-mail link. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address or any other personally identifiable information. Please note that accepting cookies is required if you want to view personal or confidential information online, because they are essential for site administration and security.

Information We Collect

When you become a registered user on our site, you provide us with personal information such as your e-mail address and your Card account number. Becoming a registered user enables you to review confidential account information for the service(s) that you are enrolled in, and perform other confidential transactions.

How We Use Personal Information

Once you've become a registered amoinc.com user, we use this information to deliver products and services you enroll in, and to process transactions you conduct on our website. We also use it, together with information we have about you as an AMOI customer, publicly available information, and preferences you indicate, to customize your online experience and to provide you with more relevant online and offline offers and updates.

How We Use Your Email Address

We may use your e-mail address to send you the following types of e-mail messages:

  • Occasional updates about our products and services as well as AMOI marketing offers.
  • Regularly scheduled e-mail newsletters related to the AMOI products or services you are enrolled in.
  • Valuable offers from our business partners that we send you on their behalf.
  • Service notifications related to your account(s).
  • Optional AMOI e-mail newsletters. We occasionally invite customers to signup for these newsletters via e-mail or other communications, and we also post signup forms on the AMOI site.

You may decline to receive e-mail offers from AMOI at any time.

We do not share your e-mail address with other companies for them to market their products or services to you. When we hire vendors to deliver e-mails to you on our behalf, they cannot use your e-mail address for any other purpose.

To make our e-mail offers more relevant to you, we may use information you provided in your initial transaction with us, in surveys, from information we have about you as an AMOI customer — such as purchasing preferences or lifestyle — and information available from external sources such as census bureau data.

When we send e-mail to you, we may be able to identify information about your e-mail address, such as whether you can view graphic-rich HTML e-mail. If your e-mail address is HTML-enabled, we may choose to send you graphic-rich HTML e-mail messages.

These e-mail messages may contain "clear GIFs" or "Web beacons" to measure the offer's effectiveness so we know how to serve you better. We do not collect personally identifiable information through "clear GIFs" or "Web beacons."

You may also receive e-mail offers from another company for AMOI products and services if you have actively requested that the company send you offers from its partners and/or advertisers. AMOI does not provide these companies with personal information about you. To decline offers from other companies who may send offers on our behalf, follow the instructions provided by that company.

Ads That Link To Our Web Site

Third-party advertisement servers are subject to their own privacy policies. If you would like more information about the privacy policies of these third-party advertisement servers, including information on how to opt out of their tracking method.

Terms & Conditions

This Web site is intended for personal, noncommercial use. Users may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services obtained from this Web site.

AMOI will use good faith efforts to ensure the accuracy of the information provided in order to familiarize users with home financing and to identify known alternatives. However, the information, products and services published on this Web site may include inaccuracies or typographical errors. Changes are periodically added to the information published at this site. AMOI and/or its suppliers may make improvements or changes in this Web site at any time without notice. AMOI reserves the right to deny access to the Web site to anyone at anytime.

As a condition of use of this Web site, the User agrees to indemnify AMOI and its suppliers from and against any and all liabilities, expenses (including attorney's and expert's charges) and damages arising out of claims resulting from User's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of terms and conditions.