Terms & Conditions / Privacy Policy

Commitment to Your Privacy

This site is owned and operated by Baldwin Brothers, Inc. Your privacy on the Internet is of the utmost importance to us. At Baldwin Brothers, Inc, we want to make your experience online satisfying and safe.

Because we gather certain types of information about our users, we feel you should fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Information Baldwin Brothers, Inc Gathers and Tracks

Baldwin Brothers, Inc gathers two types of information about users:

• Information that users provide through optional, voluntary submissions. These are voluntary submissions to receive our electronic newsletters, to participate in our message boards or forums, to email a friend, to participate in polls and surveys, to search for home listings and to communicate with real estate agent sand affiliate lenders and lending partners.
• Information Baldwin Brothers, Inc gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help our advertisers and sponsors better understand the demographics of our audience.

Baldwin Brothers, Inc Gathers User Information In The Following Processes:

Optional Voluntary Information

We offer the following free services, which require some type of voluntary submission of personal information by users:

1. Electronic newsletters - We will offer a free electronic newsletter to users. Baldwin Brothers, Inc gathers the email addresses of users who voluntarily subscribe. Users may remove themselves from this mailing list by following the link provided in every newsletter that points users to the subscription management page. Users can also subscribe to the newsletters at the time of registration.
2. Message boards/forums/blogs - Users of the site’s Message Boards, Forums and Blogs must register separately for these services (both are free of charge) in order to post messages, although they needn’t register to visit the site. During registration the user is required to supply a username, password, and email address.
3. "E-mail this to a friend" Service - Our site users can choose to electronically forward a link, page, or documents to someone else by clicking "e-mail this to a friend". The user must provide their email address, as well as that of the recipient. This information is used only in the case of transmission errors and, of course, to let the recipient know who sent the email. The information is not used for any other purpose.
4. Polling - We may offer interactive polls to users so they can easily share their opinions with other users and see what our audience thinks about important issues.
5. Surveys - Baldwin Brothers, Inc may occasionally conduct user surveys to better target our content to our audience. We sometimes share the aggregated demographic information in these surveys with our sponsors, advertisers and partners. We never share any of this information about specific individuals with any third party.

Children

Consistent with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.

Usage tracking

Baldwin Brothers, Inc tracks user traffic patterns throughout all of our sites. Baldwin Brothers, Inc sometimes tracks and catalogs the search terms that users enter in our Search function. We use tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. This helps us continue to build a better service for you.

Cookies

We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Baldwin Brothers, Inc uses cookies to track user traffic patterns. Our advertising system delivers a one-time cookie to better track ad impressions and click rates.

You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site. However, you do need cookies to participate actively in message boards, blogs forums, polling, listing searches, and surveys.

Use of Information

Baldwin Brothers, Inc uses any information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites or to better prepare future content based on the interests of our users.

As stated above, we use information that users voluntarily provide in order to send out electronic newsletters and to enable users to participate in polls, surveys, message boards, blogs, listing searches and forums. We send out newsletters to subscribers on a regular schedule (depending on the newsletter), and occasionally send out special editions when we think subscribers might be particularly interested in something we are doing. Baldwin Brothers, Inc never shares newsletter mailing lists with any third parties, including advertisers, sponsors or partners.

Baldwin Brothers, Inc creates aggregate reports on user demographics and traffic patterns for advertisers, sponsors and partners. This allows our advertisers to advertise more effectively, and allows our users to receive advertisements that are pertinent to their needs.

Sharing of Information

Baldwin Brothers, Inc uses the above-described information to tailor our content to suit your needs and help our advertisers better understand our audience’s demographics. This is essential to keeping our service free. We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.

Security

Baldwin Brothers, Inc operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Rebate Program

The rebate program ($1,000 cash back) is based upon the following requirements:

Baldwin Brothers agrees to pay Buyer a rebate upon the closing of a purchase of a personal residence for Buyer, in the amount of One Thousand Dollars and No Cents ($1,000.00), with the following conditions:

1. Buyer shall use a Realtor employed by Baldwin Brothers, Inc. as Buyer’s Agent to complete the transaction.
2. Buyer shall notify their Baldwin Brothers agent, within five (5) days of first contact with the agent that he/she would like to take advantage of the buyer rebate program. And, Buyer shall complete the Buyer Rebate Agreement within those five days.
3. The purchase price of the home is $100,000 or greater and Broker is paid a commission at closing equal to at least 3% of the gross purchase price.
4. There is an original, signed, W-9 form on file at Broker’s office prior to closing. (Attached)
5. Closing occurs within 180 days from the date of this Agreement.
6. The rebate shall be paid at closing, assuming the commission funds are paid to Broker at closing, and come from a reputable title company with the check drawn on an Indiana bank. If the check is from an out-of-state title company or bank, the rebate will be mailed to Buyer upon clearance of the check.

Opt-Out Policy

We give users options wherever necessary and practical. Such choices include: * Opting not to register to receive our electronic newsletters. * Opting not to participate in certain interactive areas, which completely alleviates the need to gather any personally identifiable information from our users

Your Consent

By using this site, you consent to the collection and use of this information by Baldwin Brothers, Inc. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

If users have any questions or suggestions regarding our privacy policy, please contact us at: