CVS Training & Development:: Training for Mortgage Professionals™ Privacy and Security Policy

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This Privacy and Security Policy last was updated on April 1, 2006.

CVS Training & Development is the owner/operator of CaryValentine.com, hereinafter collectively referred to as CVS. At CVS, we respect our customers and understand that you are concerned about privacy, so we've instituted policies intended to ensure that your personal information is handled safely and responsibly. We also have posted this privacy policy to let you know what kind of information we collect, how it is handled, with whom it may be shared, what choices you have regarding our use of your information, and how you may access some of the data you provide to us. As we continue to develop our Web site and take advantage of technologies to improve the services we offer, this policy likely will change. We therefore encourage you to refer to this policy on an ongoing basis so that you understand our current privacy policy. If you have any questions about this policy, you can contact us in a number of ways: by sending an email to admin@caryvalentine.com or calling 816-985-2437. 

What Information Do We Collect?:  We collect various types of information depending upon how you use our site. When you become a CVS registered user or your company includes you as an authorized user, we collect your name, mailing address, email address, birth date, password, social security number credit card number (with expiration date), company information, and state license number (if applicable) together with any other personally identifiable information required by a State agency to confirm your identity. This information is gathered to make your shopping and site experience as a registered user the quickest, and easiest possible. If you are a registered user and have signed in when you enter this information, it is automatically saved in your personal tracker for your ease of reference. Your information may also have been submitted by your employer or organization on your behalf and it will be saved on your tracker. At Checkout, we collect the above information, as well as a credit card number and a billing and shipping address for certain transactions. When you register with us we also may ask for additional information (e.g., about your professional interests) in the section called Customer Profile. We gather this information in order to offer services, courses and promotions that may be of interest to you. When you take courses, certain information is collected about you which can be queried administratively from the system.  When you submit a question to customer service, we need your email address to respond, and you also may provide us with various additional information to help us answer your question.  We also may receive some information about you from other sources and may add it to your account information. For example, we might get your updated address from a shipper or information on your preferences from another Web site or education provider conducting a promotion or offering courses in conjunction with us.  We may acquire customer lists from other parties so that we may invite new people to visit CaryValentine.com.

What Are Cookies and Do We Use Them?:  A cookie is a small piece of information sent by a Web site that is saved on your hard disk by your computer's browser. It holds information a site may need to interact with you and personalize your experience. At CVS, we use two kinds of cookies: session cookies and persistent cookies. Session cookies exist only for as long as your browser remains open. Once you exit your browser, they go away. We use session cookies to maintain information we need to have in order for you to shop at CVS. For example, the Session ID cookie that we ask your browser to hold retains the ID for your shopping cart. Without the Session ID cookie, you can't add courses or merchandise to your bag and carry it to Checkout. Persistent cookies, in contrast, last from visit to visit; they do not go away when you exit your browser. At CVS, we are preparing to use persistent cookies to give you a more personalized shopping experience and to help you navigate our store more efficiently. We will use your information to enhance your site experience. However, you can use our site without accepting a persistent cookie. To do so, you should set your browser options to reject persistent cookies. Alternatively, you can set your browser to notify you when you receive a cookie, which gives you the opportunity to decide whether you want to accept it or not. In many instances, the Help button on your browser toolbar will tell you how you can take these steps. Cookies can be used by a Web site to recognize you, but that does not necessarily mean any personal information is stored in the cookies. At CVS, we store no personal information about you in the cookies. Anything you choose to tell us about yourself (such as your address and email address) is stored safely and separately on our secured servers, and you need to provide a password to access it.  

How Do We Use Your Information?:  We may use your information in a number of ways, including the following: To improve the content on our Web site. For example, we may use cookies to find out which parts of our site or our products are visited most often.  To enhance your online shopping experience and the courses offered on our site. For example, we may use it to recognize you and welcome you to the site.  We may use it for marketing and promotional purposes. For example, we send out emails to our customers about products such as new courses or events, e.g. upcoming license renewal requirements, that we think may be of interest to them. We also may send you offers for discounts or free services on our site.                                                                   

What Choices Do You Have Regarding the Use of Your Information?:  We provide you with a number of choices regarding our handling of your personal information. If you do not want receive email from CVS or do not want us to share your information with unrelated third parties for marketing purposes, please follow the steps outlined below to submit a request electronically:  If you do not want to receive email, please send us an email at  admin@caryvalentine.com and request that we not send you email. (Please note that every time we send you an email, we will give you the option to unsubscribe from our e-mail list, so you'll be able to stop our e-mails at any time).  If you do not wish your information to be shared with unrelated third parties for marketing purposes, please email us and indicate that you do not want your information shared with third parties for third party offers. Note: Once you have submitted your request you should assume that it has been successfully received and your request is being processed. Please allow us 14 days from when the request was received to complete the removal, as some of our promotions may already have been in process before you submitted your request. If you prefer to, you can contact CVS by phone at 816-985-2437.  Again, please allow us 14 days from when the request was received to process your removal.  We appreciate your patience and understanding in giving us time to carry out your request. 

Can I Access My Information?:  If you are a registered user of CVS, you can update your customer profile by logging in and making changes in you customer profile section.  If you have questions about your order, you may check your order status by contacting admin@caryvalentine.com  If you would like to email our Customer Service Department please email us at admin@caryvalentine.com  or call 816-985-2437.                             

Is My Information Secure?:  CVS is committed to doing its best to maintain the security of information collected on our site. To try to prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place the appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. Private account and customer information is located on a secured server behind a firewall; it is not directly connected to the Internet. Encryption is a process by which a message or information is scrambled while it is in transit to CVS. It is based on a key that has two different parts, public and private. The public part of the key is distributed to those with whom you want to communicate. The private part is for the recipient's use only. So long as you use a browser that allows for encryption, when you send personal information to us, you use a public key to encrypt your personal information. If your information is intercepted during the transmission, it is scrambled and very difficult to decrypt. Once we receive your encrypted personal information, we use the private part of our key to decode it.  Thank you for shopping with CVS. If you have any questions or comments about this policy, please contact our Customer Service Department at admin@caryvalentine.com or call 816-985-2437.

Privacy Policy Changes:  CVS reserves the right to change or modify this privacy policy at any time. As we anticipate that the policy will be modified from time to time, notice of changes to the policy will not be sent to individual users. Please check back to see the revised policy which will be posted on the site.

Read More About CVS.....

CVS Training & Development is recognized throughout the mortgage industry as the top loan officer/originator training organization in the country. We provide loan officer training and mortgage broker training for individuals at every level of the mortgage industry—from basic training for those just starting out, to advanced skills for seasoned mortgage professionals. Our workshop courses are presented in cities across the nation; in addition, our course catalog section offers a variety of materials, including self-study courses, marketing and management kits, and guides to specific market niches. Our training courses and products enhance the success of our student's mortgage careers and separate our graduates from all of their competition! CVS Training & Development's loan officer training school offers loan officer training, career placement assistance, state approved continuing education and mortgage industry education to aspiring and seasoned loan officers nationwide. Our low tuition and exclusive approach to "street underwriting" creates successful and rewarded mortgage professionals who know how to do more than just complete a loan application and talk about a few loan programs. We teach loan officers to excel in ways they never thought possible. Since 1985, our instructors have trained tens of thousands of loan officers for the nations largest mortgage wholesale and retail lenders and mortgage brokers. This same training is now available to you at our live event classes and through our online study courses.

Our classes and products are consistently rated as the most innovative and detailed studies of what makes a loan officer/originator highly skilled and successful. CVS was started by Cary Valentine, an FHA DE Underwriter with over 20 years in the retail mortgage profession. Cary started, operated and sold his own successful mortgage banking firm to a Midwestern bank holding company in the late 1990's. He has consulted and/or co-written articles on the subject of mortgage redlining in nationally, syndicated periodicals. Cary's live events are dynamic and full of powerful secrets that make loan officers and other mortgage originators come back again and again. It is the CVS central goal to provide aspiring mortgage professionals, loan officers that have entered the business without the benefit of proper training, and whole mortgage companies with the opportunity to accelerate their success in  the mortgage industry. CVS Training and Development has combined our company's integrity, experienced professionals, a successful track record, and corporate support from our business partners to achieve our goal. We invite anyone to take advantage of the training program to enhance their life and career to the fullest. Hundreds of mortgage companies nationwide use our training as the solution to their recurring needs.

In addition to receiving the training necessary to work for any organization represented by loan officers, as a graduate of any CVS course you are offered loan scenario support including optional career placement opportunities at no cost. We currently provide reoccurring online career placement opportunities with hundreds of mortgage companies, both national lenders and local mortgage brokers, in all fifty states. Our courses are generally, tax deductible as professional/vocational education.

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