Privacy Policy

Compass Analytics Online Privacy Policy

Compass Analytics, (Compass),  is committed to keeping any and all personal information collected of those individuals that visit our website and make use of our online facilities and services accurate, confidential, secure and private. Our privacy policy has been designed and created to ensure those affiliated with Compass Analytics of our commitment and realization of our obligation not only to meet but to exceed most existing privacy standards.

THEREFORE, this Privacy Policy Agreement shall apply to Compass Analytics, and thus it shall govern any and all data collection and usage thereof. Through the use of you are herein consenting to the following data procedures expressed within this agreement.

Prior to his association with Mortgage Industry Advisory Corporation, Mr. Kessel was Senior Vice President, Risk Management Services, for Tuttle Decision Systems, Inc. Mr. Kessel directed day-to-day risk management activities, including trading, research, performance reporting, product design, and trade clearing operations. He was responsible for all risk management relationships and the suite of secondary marketing software and models that included pipeline risk management, price distribution and locking, rate shock, trade management, best execution and mortgage servicing risk evaluation technologies.

Prior to his association with Tuttle Decision Systems, Inc., Mr. Kessel was a Senior Vice President at Citizens National Mortgage Corp. in San Diego, California, where he directed risk management, secondary marketing and information technology. He has over fifteen years experience managing mortgage banking operations.

Mr. Kessel holds a BS degree in Economics from the Massachusetts Institute of Technology.

Collection of Information 
This website collects various types of information, such as:
·     Voluntarily provided information which may include your name, address, email address, billing and/or credit card information, etc., which may be used when you purchase products and/or services and to deliver the services you have requested.
·     Information automatically collected when visiting the website, which may include cookies, third party tracking technologies and server logs.

Please rest assured that this site shall only collect personal information that you knowingly and willingly provide by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which is was requested and any additional uses specifically provided on this issue.

We may also gather information about the type of browser you are using. IP address or type of operation system to assist us in providing and maintaining superior quality service.

It is highly recommended and suggested that you review the privacy policies and statement of any website you choose to use of frequent as a means to better understand the way in which other websites garner, make use of and share information collected.

Use of Information Collected
Compass Analytics may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request.  At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from Compass Analytics may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

Compass Analytics does not now, nor will it in the future, sell, rent or lease any of our customers lists and/or names to any third parties.

Compass Analytics may deem it necessary to follow websites and/or pages that our usesrs may frequent in an effort to gleam what types of services and/or products may be the most popular to customers or the general public.

Compass Analytics may disclose your personal information, without prior notice to you, only if required to do so in accordance with applicable laws and/or in a good faith belief that such action is deemed necessary or is required in an effort to:
·     Remain in conformance with any decrees, laws and/or statuses or in an effort to comply with any process which may be served upon Compass Analytics and/or our website
·     Maintain, safeguard and/or preserve all the rights and/or property of Compass Analytics
·     Perform under demanding conditions in an effort to safeguard the personal safety of users of and/or the general public

Children Under Age 13
All users and/or visitors to our website have the option to discontinue receiving communication from us and/or reserve the right to discontinue receiving communications by way of email or newsletters. To discontinue or unsubscribe to our website please send an email that you wish to unsubscribe to If you wish to unsubscribe or opt-out from any third party websites, you must go that specific website to understand and/or opt-out.

Compass Analytics shall endeavor and shall take every precaution to maintain adequate physical, procedural and technical security with respect to our offices and information storage facilities so as to prevent any loss, misuse, unauthorization, disclosure or modification of the user’s personal information under the control.

Changes to Privacy Policy
Compass Analytics reserves the right to updated and/or change the terms of our privacy policy, and as such we will post those changes to our website homepage at, so that our users and/or visitors are always aware of the type of information we collect, how it will be used, and under what circumstances, if any, we may disclose such information. If at any point in time Compass Analytics decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time have the option as to whether or not to permit the user of their information in this separate manner.

Acceptance of Terms
Through the use of this website, you are hereby accepting the terms and conditions stipulated within the aforementioned Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our site. In addition, you continued use of our website following the posting of any updates or changes to our terms and conditions shall mean you are in general acceptance of such changes.

How to Contact Us
If you have questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number of mailing address.

Telephone number: 415-462-7500