Monday, August 7, 2023

Updating our Google Account inactivity policy

Every day Google works hard to keep you and your private information safe and secure by preventing unauthorized access to your Google Account with our built-in security protections. And keeping you safe means having strong privacy practices across our products that minimize how long we store your personal files and any data associated with them. We want to protect your private information and prevent any unauthorized access to your account even if you're no longer using our services.

Therefore, we are updating the inactivity period for a Google Account to two years across all our products and services. This change starts rolling out today and will apply to any Google Account that's been inactive, meaning it has not been signed into or used within a two-year period. An inactive account and any content in it will be eligible for deletion from December 1, 2023.

What this means for you:

  • These changes do not impact you unless you have been inactive in your Google Account for two years or have not used your account to sign in to any Google service for over two years.
  • While the changes go into effect today, the earliest we would enforce any account deletion would be December 2023.
  • If your account is considered inactive, we will send several reminder emails to both you and your recovery emails (if any have been provided) before we take any action or delete any account content. These reminder emails will go out at least 8 months before any action is taken on your account.
  • After a Google Account is deleted, the Gmail address for the deleted account cannot be used again when creating a new Google Account.

How to keep your account active?

The simplest way to keep a Google Account active is to sign in to the account at least once every two years. If you have signed in to your Google Account recently in the past two years, your account is considered active and will not be deleted.

Other ways to keep your account active include:

  • Reading or sending an email
  • Using Google Drive
  • Watching a YouTube video
  • Sharing a photo
  • Downloading an app
  • Using Google Search
  • Using Sign in with Google to sign in to a third-party app or service

There are some exceptions to this policy. Examples include: a Google Account with YouTube channels, videos or comments; an account that has a gift card with a monetary balance; or an account that has a published application, for example, one that hosts an app on the Google Play store. Other exceptions to this policy are available here.

Google also offers tools to help manage your Google Account and provide options to back up your data, including the ability to download your data using Google Takeout, and allowing you to plan for what happens to your data if you're inactive for a specific period of time with the Inactive Account Manager.

Our priority is to make it as easy as possible for you to keep your account active, if you want to, and we'll ensure you have adequate notice before any account is impacted by this change. So before an account is deleted, Google will send email notifications to the Google Account and its recovery email (if one has been provided). You should verify that your recovery email is up to date.

Learn more

Thank you,
The Google Account team

You have received this email to update you about important changes to your Google Account and services.

© 2023 Google LLC 1600 Amphitheatre Parkway, Mountain View, CA 94043



Tuesday, December 28, 2021

Daily Newsletter: Lumber Should Remain Volatile; Home Price Gains Slow; Will We See 7% Next Year?

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30 Year Fixed
3.24%   -0.03
15 Year Fixed
2.59%   -0.02
10YR Treasury
1.48%   +0.0051
Tuesday December 28, 2021
MND NewsWire - 11:38AM
Home price gains slowed slightly in October with both S&P CoreLogic Case-Shiller and the Federal Housing Finance Agency (FHFA) reporting lower annual increases in October than in ...
MND NewsWire - 11:13AM
With the overall inflation rate becoming a focus of concern, the attention paid to lumber prices over the spring and summer faded to background noise. A recent report on the subject ...
Mortgage Rate Watch - 4:30PM
Mortgage rates hit their highest level in 2 weeks heading into Christmas weekend. The average lender raised costs by a very small amount again on Monday, thus leaving them within striking ...
Today's Rates
Best Execution
Rate Change
30 Yr FRM 3.24% -0.03
15 Yr FRM 2.59% -0.02
FHA 30 Year Fixed 2.85% -0.01
Jumbo 30 Year Fixed 3.12% -0.01
5/1 Yr ARM 3.33% +0.00
Average Mortgage Rates
MBA **
30 Yr. Fixed 2.99% 0.30 +0.02
15 Yr. Fixed 2.35% 0.25 +0.02
30 Yr. Jumbo 3.15% 0.29 +0.03
30 Yr. FHA 3.06% 0.27 -0.02
5/1 ARM 2.52% 0.15 -0.41
Freddie Mac **
30 Yr. Fixed 3.05% 0.70 -0.07
15 Yr. Fixed 2.30% 0.70 -0.04
1 Yr. ARM 2.68% 0.20 +0.01
5/1 Yr. ARM 2.37% 0.40 -0.08
* FHFA averages are updated monthly.
** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.
Secondary Markets
MBS
Price Change
30YR UMBS 2.0 99.78 +0.06
30YR UMBS 2.5 102.16 +0.08
30YR GNMA 2.0 101.11 +0.08
30YR GNMA 2.5 102.25 +0.03
15YR UMBS 2.0 102.45 +0.03
15YR UMBS 2.5 103.45 +0.03
Treasuries
Yield Change
2 YR 0.7539% +0.0491
5 YR 1.2450% -0.0049
10 YR 1.4824% +0.0051
30 YR 1.9025% +0.0207
Prices as of: 12/28/2021 4:38PM EST
MBS and Treasury data provided by Thomson Reuters.
Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information.
Secondary Marketing Managers:
If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information
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Wednesday, December 22, 2021

Daily Newsletter: Home Sales Stay Strong; Prices Extend Winning Streak; Rates Lower And Higher...

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30 Year Fixed
3.25%   +0.03
15 Year Fixed
2.59%   +0.04
10YR Treasury
1.45%   -0.0017
Wednesday December 22, 2021
MND NewsWire - 11:19AM
Existing home sales came in a little lower than expected in November, but it was still the third consecutive gain. The National Association of Realtors® (NAR) said sales of pre ...
MND NewsWire - 11:15AM
The volume of mortgage applications dipped slightly during the week ended December 17, the second consecutive decline. The Mortgage Bankers Association (MBA) said its Market Composite ...
Mortgage Rate Watch - 7:48PM
Mortgage rates continued higher for the third straight day on Wednesday. This brings the average lender to the highest levels in exactly 2 weeks. But that's the most dramatic way to ...
MBS Commentary - 4:02PM
Sideways, Boring, and Slightly Stronger 10yr futures contract volume was roughly 600k by 3pm. That's on par with the typical half day meaning today was the lowest volume full trading ...
Today's Rates
Best Execution
Rate Change
30 Yr FRM 3.25% +0.03
15 Yr FRM 2.59% +0.04
FHA 30 Year Fixed 2.85% +0.05
Jumbo 30 Year Fixed 3.12% -0.02
5/1 Yr ARM 3.30% +0.10
Average Mortgage Rates
MBA **
30 Yr. Fixed 2.99% 0.30 +0.02
15 Yr. Fixed 2.35% 0.25 +0.02
30 Yr. Jumbo 3.15% 0.29 +0.03
30 Yr. FHA 3.06% 0.27 -0.02
5/1 ARM 2.52% 0.15 -0.41
Freddie Mac **
30 Yr. Fixed 3.12% 0.60 +0.02
15 Yr. Fixed 2.34% 0.70 -0.04
1 Yr. ARM 2.68% 0.20 +0.01
5/1 Yr. ARM 2.45% 0.30 +0.00
* FHFA averages are updated monthly.
** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.
Secondary Markets
MBS
Price Change
30YR UMBS 2.0 99.67 +0.14
30YR UMBS 2.5 102.08 +0.13
30YR GNMA 2.0 100.95 +0.11
30YR GNMA 2.5 102.22 +0.06
15YR UMBS 2.0 102.50 +0.08
15YR UMBS 2.5 103.48 +0.05
Treasuries
Yield Change
2 YR 0.6647% -0.0038
5 YR 1.2156% -0.0049
10 YR 1.4532% -0.0017
30 YR 1.8524% -0.0185
Prices as of: 12/22/2021 7:44PM EST
MBS and Treasury data provided by Thomson Reuters.
Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information.
Secondary Marketing Managers:
If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information
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Monday, December 20, 2021

Daily Newsletter: Home Sales Forecast Surges as Fannie Mae Revises Timelines; Rates Modestly Higher

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30 Year Fixed
3.17%   +0.01
15 Year Fixed
2.53%   +0.01
10YR Treasury
1.43%   +0.0204
Monday December 20, 2021
MND NewsWire - 1:35PM
Fannie Mae jumped up its forecast for real GDP on a Q4/Q4 basis this week, revising it from 4.8 percent in last month's report to 5.5 percent. The company's economists said they believe ...
Mortgage Rate Watch - 5:28PM
For most lenders, mortgage rates edged slightly higher at the start of the holiday-shortened week. The exception would be among those lenders who made changes to their rate offerings ...
MBS Commentary - 4:54PM
Small Scale Volatility Leaves Bonds Slightly Weaker The day began on a modestly positive note and ended with bonds trading just slightly weaker. There was little to glean from the price ...
MBS Commentary - 11:11AM
Despite a bit of 2-way trading, bonds are starting the day in slightly stronger territory. Pandemic concerns remain the most obvious source of inspiration for bond buyers while pandemic ...
Today's Rates
Best Execution
Rate Change
30 Yr FRM 3.17% +0.01
15 Yr FRM 2.53% +0.01
FHA 30 Year Fixed 2.75% +0.00
Jumbo 30 Year Fixed 3.08% +0.01
5/1 Yr ARM 3.02% -0.35
Average Mortgage Rates
MBA **
30 Yr. Fixed 2.99% 0.30 +0.02
15 Yr. Fixed 2.35% 0.25 +0.02
30 Yr. Jumbo 3.15% 0.29 +0.03
30 Yr. FHA 3.06% 0.27 -0.02
5/1 ARM 2.52% 0.15 -0.41
Freddie Mac **
30 Yr. Fixed 3.12% 0.60 +0.02
15 Yr. Fixed 2.34% 0.70 -0.04
1 Yr. ARM 2.68% 0.20 +0.01
5/1 Yr. ARM 2.45% 0.30 +0.00
* FHFA averages are updated monthly.
** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.
Secondary Markets
MBS
Price Change
30YR UMBS 2.0 99.80 0.00
30YR UMBS 2.5 102.17 0.00
30YR GNMA 2.0 101.06 -0.08
30YR GNMA 2.5 102.28 -0.11
15YR UMBS 2.0 102.53 +0.06
15YR UMBS 2.5 103.45 +0.08
Treasuries
Yield Change
2 YR 0.6358% -0.0038
5 YR 1.1716% -0.0066
10 YR 1.4276% +0.0204
30 YR 1.8558% +0.0460
Prices as of: 12/20/2021 5:06PM EST
MBS and Treasury data provided by Thomson Reuters.
Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information.
Secondary Marketing Managers:
If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information
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You were sent this email because you opted to receive our weekly or daily email reports. Go here to manage your email preferences or here to unsubscribe from all email communications.