Information We Collect Through Automatic Data Collection Technologies
As You navigate through and interact with Our Website, We may use automatic data collection technologies to collect certain information about Your equipment, browsing actions, and patterns, including:
- Information about your estimated location as may be determined from the IP Address;
- Information about the device you are using, such as:
- Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information;
- Browser language and type; and
- Hardware model, operating system, application version number, device or browser data;
- Domain name system requests;
- Browsing history, time spent at a domain, time and date of your visit, number of clicks, or location data; and
- HTTP headers, application client and server banners.
The information We collect automatically does, in some cases, include Personal Information, or We may maintain it or associate it with Personal Information We collect in other ways or receive from third parties. These activities help Us improve Our Website and Products and deliver a better and more personalized experience, including by enabling Us to:
- Estimate Our audience size and usage patterns;
- Store information about Your preferences, allowing Us to customize Our Website according to Your individual interests;
- Speed up Your searches; and
- Recognize You when You return to Our Website.
The technologies We use for this automatic data collection may include:
- Cookieless Tracking Technology. When You visit Our Website, Our Website runs a script that stores information about how You interact with the Website. The script only runs while You are visiting the Website, and will not persist when You leave the Website.
- Cookies. When You visit our Website, a “cookie” may be sent to Your computer. A cookie is a small piece of data that is sent to Your Internet browser from a web server and stored on your computer’s hard drive. When You visit the Website again, the cookie allows the Website to recognize Your computer. Cookies may store user preferences and other information to assist Your navigation between pages efficiently, remember preferences, and improve the user experience. You can choose whether to accept cookies by changing Your Internet browser settings, which may impair or limit some functionality of the Website.
- Cookies can be “persistent” or “session” cookies. Persistent cookies remain on Your personal computer or mobile device when You go offline, while session cookies are deleted as soon as You close Your web browser.
- We use first party cookies, which are cookies that We place on Your device ourselves, and third-party cookies, which are cookies that We allow third parties to place on Your device.
Third-Party Use of Cookies and Other Tracking Technologies
As previously mentioned, some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies such as pixels, to collect information about You when You use Our Website. The information they collect may be associated with Your Personal Information or they may collect information, including Personal Information, about Your online activities over time and across different websites and other online services. They may use this information to provide You with interest-based (behavioral) advertising or other targeted content.
Specifically, the third-parties with whom We have relationships use cookies in order to (i) if applicable, identify You as a prospect for Our client lenders, loan servicers or mortgage brokers; (ii) deliver advertisements that are more relevant to You and Your interests; (iii) limit the number of times You see an advertisement; as well as (iv) help measure the effectiveness of the advertising campaign. If a prospect engages with our content and provides their contact information, their web behavior on our site is paired with their contact info.
We do not control these third parties’ tracking technologies or how they may be used. If You have any questions about an advertisement or other targeted content, You should contact the responsible provider directly. For information about how You can opt out of receiving targeted advertising from many providers, please refer to the provider’s privacy policy.
In some cases, You may also block the use of cookies using cookie management technology available to You when you visit the Website. You may also leverage the “Do Not Sell or Share My Personal Information” link at the bottom of the Website in order to opt-out of certain cookies.
Note that the third-parties with whom We have relationships remember that You have visited Our Website and this information may be shared with other organizations such as advertisers. This means after You are done using Our Service You may see some advertisements about Our Services elsewhere on the Internet. You may opt out of Google’s ad personalization through Google’s ad settings, as further described below.
Analytics Cookies (Google Analytics)
We use Google Analytics to track information about how You interact with Our Website and Products so that We can make improvements. We also use analytics cookies to test pages, features or new functionality of the Website and Products to see how Our users react to them.
In order to collect this information, Google Analytics may set cookies on Your browser or mobile device, or read cookies that are already there. Google Analytics may also receive information about You from apps You have downloaded, that partner with Google. We do not combine the information collected through the use of Google Analytics with Personal Information. Click https://policies.google.com/technologies/partner-sites to learn about how to control information used by Google Analytics. Google’s ability to use and share information collected by Google Analytics about Your visits to the Website to another application which partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those and see https://policies.google.com/privacy or information about how Google uses the information provided to Google Analytics and how You can control the information provided to Google.
International Data Transfers
In order to carry out the Processing activities described above, We may make use of subcontractors that act on Our behalf as Processors. These subcontractors will be contractually obligated by Us to Process Your Personal Information only in accordance with Our instructions, only for the purposes described above, and only for the period of time necessary to preform those purposes.
In some cases, these subcontractors may be located outside of the data privacy jurisdiction in which You reside. In the event such international data transfers are necessary, We will take the necessary organizational, technical and contractual measures to ensure the protection of Your Personal Information. For residents of EU and the UK, these measures include signing Standard Contractual Clauses with the authorized subcontractor or recipient, carrying out an impact assessment on the relevant international transfer to assess risk, and encrypting Your Personal Information. In certain situations, We may be required to disclose Personal Information in response to lawful requests from law enforcement and national security authorities of that jurisdiction.
For questions or comments about our practices with respect to international data transfers, please refer to the “Contact Information” section at the end of this Privacy Policy.
Consequences of Not Providing Your Personal Information
Personal Information gathered by Us for the purposes defined in this Privacy Policy may be required by Us, either directly or indirectly, in order for Us maintain a relationship with You; therefore, Your failure to provide Us with Your Personal Information may negatively affect Our ability to:
- Provide the Products to You and fulfill Our contractual obligations with You;
- Fulfill legal requirements;
- Enter into a contract with related parties and continuing to contract with those related parties; or
- Maintain contact with You.
Data Security and Storage
We have implemented technical, administrative, and physical security measures that are designed to protect Your Personal Information from unauthorized access, disclosure, use, and modification. Such measures include the encryption of sensitive information. We regularly review Our security procedures to consider appropriate new technology and methods. Even so, please be aware that no security measure is perfect. Thus, We cannot guarantee the security of Your Personal information at all times. You should always be vigilant when it comes to the protection of Your Personal Information.
Retention Period
Subject to any opt-out rights You may have and all applicable laws, We retain Your Personal Information for only as long as reasonably necessary to carry out the purposes for which We originally collected it, as set forth in this Privacy Policy. Notwithstanding the foregoing, we may continue to retain Your Personal Information to comply with our legal and regulatory obligations; to enable fraud monitoring, detection and loss prevention activities; to comply with our tax, accounting, and financial reporting obligations; and where required by our contractual commitments to third-parties. The retention period may also depend on the terms of any B2B Agreement we have with a B2B Party.
Children Under the Age of 16
Our Website and Products are not intended for children under 16 years of age. You may not knowingly or unknowingly provide Us Personal Information of minors under 16 years of age through Your use of the Website or Products. We do not knowingly collect Personal Information from children under 16. We do not sell or share Personal Information of children under age 16. No one under age 16 may provide any Personal Information to Us. If You are under 16, do not use or provide any Personal Information on Our Website or through Our Products. If We learn We have collected or received Personal Information from a child under 16 without verification of parental consent, We will delete that information. If You believe We might have any information from or about a child under 16, please contact Us using the Contact Information provided at the end of this Privacy Policy.
Your Privacy Rights
Depending on Your location and subject to applicable law and certain other limitations, You may have the rights set forth below with respect to Your Personal Information. To exercise any of the following rights, please refer to the “Exercising Your Rights” section at the end of this Privacy Policy.
Right of Access. You have the right to receive confirmation as to whether or not Your Personal Information is being Processed, and, where that is the case, access to and a copy of that Personal Information.
Right of Rectification. You have the right to request that We correct or update Your Personal Information that is inaccurate, incomplete or outdated.
Right to Erasure. You have the right to request the deletion of Your Personal Information in certain circumstances (but only where they are no longer required for a legitimate business purpose or required by law).
Right to Opt-Out of Direct Marketing and Targeted Advertising. To the extent that We Process Your Personal Information for the purposes of direct marketing or targeted advertising (as those terms are defined by the applicable laws of the jurisdiction in which you reside, but which generally means the display of an advertisement to You based on Personal Information about You obtained or inferred over time from Your activities across nonaffiliate websites, applications, or online applications), or to the extent that we provide Your Personal Information to others for those purposes, you have the right to opt-out of that activity.
Right to Opt-Out of the Sale of Personal Information. To the extent that We sell Your Personal Information (as that term is defined by the applicable laws of the jurisdiction in which you reside), You have the right to opt-out of that activity.
Right to Opt-Out of Automated Profiling. You have a right to opt out of any automated Processing of Your Personal Information, including for profiling purposes (as those terms are defined by the applicable laws of the jurisdiction in which You reside, and subject), but only to the extent that such Processing activities are used to make decisions which produce legal effects, or similarly significant effects, that affect You.
Right to Restrict Processing. You have the right to restrict the Processing of Your Personal Information in certain circumstances, such as when We consider another request that You have submitted.
Right to Object. In certain circumstances, You have the right to object to the Processing of Your Personal Information where the Processing is necessary for performance of a task carried out in the public interest, for Our legitimate interests, or for the legitimate interests of others. You also have the right to object where Personal Information is Processed for direct marketing purposes or for scientific or historical research purposes or statistical purposes.
Right to Data Portability. In certain circumstances, You have the right to receive Your Personal Information in a structured, commonly used, machine-readable and interoperable format and have the right to transmit that Personal Information to another organization.
Right to Withdraw Consent. In those cases where Processing is based on consent, and subject to applicable local law which provides otherwise, You have the right to withdraw Your consent at any time. This will not affect the validity of the Processing prior to the withdrawal of consent.
Right to Complain. If You believe We have not Processed Your Personal Information in accordance with applicable law, You may file a complaint with Us using the mechanisms provided for in the “Exercising Your Rights” section at the end of this Privacy Policy. If you are a resident of the EU, You may also have the right to make a complaint to an applicable Supervisory Authority or seek a remedy through the courts. A list of Supervisory Authorities for residents of the EU or EEA is available at: https://edpb.europa.eu/about-edpb/board/members_en. For residents of the UK, the Information Commissioner’s Office may be reached at: https://ico.org.uk/your-data-matters/.
Right to Correct. You have the right to request the correction of any inaccuracies in the Personal Information We hold about You, subject to certain limitations.
Promotional Offers from the Company. You have the right to opt-out of Our use of your contact information to promote Our own or third parties’ products or services. This opt out does not apply to information provided to Us as a result of a product purchase, warranty registration, product service experience or other transactions.
