Privacy Policy

Commissions Paid Now recognizes and respects the importance of maintaining the privacy of our customers and our Web site's users. Accordingly, we created this privacy statement to disclose Commissions Paid Now's information gathering and dissemination practices. We operate our business by the principles set forth below. Through the following privacy statement, Commissions Paid Now agrees to notify its users of:

• What personally identifiable information is collected from you through the Web site.
• Whether Commissions Paid Now or a third party is collecting the information.
• How the information is used.
• With whom and under what circumstances your information may be shared.
• What choices are available to you regarding collection, use and distribution of the information.
• What security measures are taken to protect the loss, misuse or alteration of information under Commissions Paid Now's control.
• How you can update or revise the information.
• What means of recourse are available if you believe we have violated any provision in our privacy statement.

Information Collection and Use
You can browse through Commissions Paid Now's Web site without telling us who you are or revealing any information about yourself. However, if you want to use our Web site's services, you must fill out an application with us which requires you to provide personal information.

We use your personal information in the underwriting of each Commission Advance and to help us service your account, to improve our services to you, to provide you with payment of your real estate commissions on a factored basis, and to inform you about any promotions that may be of interest to you. We will not sell, rent, or share your personal information with third parties. In the event that court orders or laws mandate Commissions Paid Now to disclose personal information, we will do so only to the extent required by law.

Registration
In order to use our Web site's services, you must first complete the online application. During the application process, you will be required to give two kinds of information: personal and real property sales transaction information. Personal information collected includes: customer name, home/business address, home/business phone and fax numbers, email address(es), birth date, site password, password reminder (mother's maiden name, birth city, pet's name) and Social Security number. Transaction information collected includes: buyer/seller names, property address, deposit amount, sale type (condo, new home construction, town home, etc.), purchase price, closing entity (attorney, title company), closing date, and commission earned.

This information is collected for several reasons some of which are; customer identification and having the ability to provide the client with tax related information. We reserve the right to run credit checks with any credit bureaus. The remaining personal information is collected to create a database of customer information that avoids re-entering the same information every time our services are used. We also use this information to contact you about the services on our site for which you have expressed interest. Transaction information is collected so we can verify that a sale occurred and it was valid.

Business Transfers
In the unlikely event that Commissions Paid Now or substantially all of its assets are acquired, Commissions Paid Now's business, including customer information, will be transferred to the acquiring company. However, in the unlikely event that Commissions Paid Now files for bankruptcy or proceedings are commenced against Commissions Paid Now in bankruptcy under federal or state bankruptcy laws, customer information will not be included among assets sold, auctioned or otherwise transferred to any third party in satisfaction of debts owed by Commissions Paid Now.

Notification of Changes
Anyone can review the changes to our policies by going directly to our privacy statement . This ensures readers are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Cookies
A cookie is a piece of data stored on the user's hard drive containing information about the user. Commissions Paid Now's Web site does not use cookies.

Sharing
We are the sole owners of our customer list. We do not sell, rent, or share personally identifiable demographic information with our partners, affiliates or advertisers.

Security
Commissions Paid Now takes every precaution to protect our users' information both online and off-line. Our web servers are kept in a secure environment and our online application is protected through a leading secure socket layer(SSL) authority. Only CPN employees have access to this infomration.  Any printed or hard copy personal information is cross cut shredded at the time your Commission Advance is repaid in full. We do not keep any hard copies of your personal or transactional information after the Commission Advance has been repaid in full.

Supplementation of Information
In order for Commissions Paid Now to properly fulfill its obligation to our customers, it is necessary for us to independently verify each sales contract with the attorney, escrow company or title company that is closing the sale. We do this by calling the contact name on the customer's sale contract. We tell the contact we are funding a portion of the commission on the sale and ask for their confirmation that they have opened escrow and are acting as the closing entity.

Correcting/Updating Personal Information
If your personally identifiable information changes (such as your home address, phone number, etc.), or if you no longer desire our service, you can correct, update or remove any personal data provided by calling us locally at (239) 594-1173, Toll free at 1-877-594-1173, faxing us at (239) 594-8488, or e-mailing info@commissionspaidnow.com.