Agreement to Terms
Information We Collect from You and from Third Parties
When you use the Website, we may collect personal information about you, such as your name, mailing address, Social Security number, payment history and credit history, account balances, telephone number, email address, asset information, income information, or any other information that you submit to us. We collect this information when you contact us with questions, request more information about our products and services, or open an account.
How We Use Collected Information
We use both personal information and anonymous information for the following purposes:
- For every day business purposes;
- To complete and fulfill your application;
- To respond to your questions and concerns and to fulfill your requests;
- For our marketing efforts, such as to send you marketing communications;
- For statistical purpose, to conduct market research and to develop and improve our products and services;
- For legal purposes;
- To collect information about your preferences to optimize user experience;
- For internal purposes and recordkeeping;
- To diagnose technical issues, to perform troubleshooting, and to enhance the security of our services;
- To send you a newsletter; and/or
- For any other purpose to which you consent.
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of “non-experience information” among our affiliates. “Non-experience information” includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications, such as your income or marital status;
- From a credit report, such as your credit history; and
- From sources used to verify representations made by you, such as your open lines of credit; or employment history.
Within our company or approved affiliates of the Company, we may share customer information we collect on the Website, providing financial and other services such as:
- Insurance, title and real estate brokerage;
- Home security products; or
- Residential homebuilding.
How We Share Personal Information
- Agents or service providers acting on our behalf for limited purposes;
- As required by law (e.g., to comply with a subpoena, court order or similar legal process);
- Vendors who provide employment and income verification or other verification services, banking information, document import, and other necessary services;
- Company-affiliated businesses that provide quality services or products you may be interested in;
- For any purpose to which you expressly consent; and/or
- Other third parties if necessary to protect our rights or the rights or safety of others;
For example, after you authorize us to verify your credit history, we send the minimal amount of information needed (including your social security number) to ensure we are requesting the correct record in an encrypted form to the relevant credit bureaus with the sole purpose of retrieving your credit report and associated credit history data. We would not send the same level of information to a service provider where it is not essential to perform their services.
For retrieving certain information such as bank information (transactions, balances, accounts, and other information), we use third-party service providers. In the event that we enter into a corporate transaction, such as a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), personal information that we have collected may be transferred in the course of that corporate transaction to the relevant third party purchaser, joint venture partner, merged entity, assignee or similar party.
We provide some of our services through contractual arrangements with affiliates, service providers, partners and other third parties (collectively, “service partners”). Our service partners may use your personal information to operate our sites and to deliver their services.
For example, your data may be transferred to website hosting partners and other parties who assist us in designing and operating the Website, executing services or helping us analyze collected data. These parties will only use your data for the purpose of carrying out the work as agreed with us and will be required to keep the information confidential. We will encourage our service partners to adopt and post privacy policies. However, the use of your personal information by our service partners is governed by the privacy policies of those service partners and is not subject to our control.
We will release personal or general information without your consent for security purposes, when required by law, or to prevent imminent harm to any person or entity. We will disclose personal or general information upon receipt of a court order or subpoena, or to cooperate with a law enforcement investigation, which may include responding to requests and court orders from jurisdictions outside the United States. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities.
We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful, as determined in our sole discretion. Release of your personal data for security purposes, as described in this agreement to any person or entity under any circumstances shall be based on a determination made solely by us, exercising our own discretion, permission for which is expressly granted by you to us in accordance with this policy.
Our first-party cookies and tracking technologies do not track users over time and across third-party websites, and therefore the Website does not respond to web browser do-not-track signals. We also use third-party cookies to serve targeted advertisements on both the Website and on third-party websites. These cookies may track users over time and across third-party websites and services. Please note that if you opt-out of advertising cookies, you may still see our advertisements on third-party websites and services.
Links to Third Parties
For your convenience, and to improve usage of the Website, we may insert links to third parties on the Website. If you decide to access those links, you will leave the Website. We do not control those third-party sites or their privacy practices, which may differ from our practices. Company is not liable for the content and activities of those sites. This includes links from partners that may use our logos as part of a co-branding agreement. Your visits and access to such websites is at your own risk.
Use of Social Media Tools
How We Protect Personal Information
Company uses reasonable physical, technical, and administrative security measures to protect personal information we collect from you from unauthorized access or use. For example, we use encryption technologies when transmitting information to and from the Website and with our third-party service providers. Please keep in mind, however, that whenever you give out personal information online there is a risk that third parties may intercept and use that information. While we strive to protect your personal information and privacy, we cannot guarantee the security of any information you disclose online. By using the Website, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this Website and that any personal information, general information, or other data or information received from you through the Website is provided to us at your own risk, which you expressly assume.
No Use of The Website by Persons under 18 Permitted
Notice Concerning Children
The Website is a general audience website, and we do not direct any of our content specifically at children under 13 years of age. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email listed below and we will take all reasonable efforts to remove the information.
Access to and Control Over Your Information
For California Residents
Request to Know. You have the right to request to know: (i) the specific pieces of Personal Information we have collected about you; (ii) the categories of Personal Information we have collected about you in the last 12 months; (iii) the categories of sources from which that Personal Information was collected; (iv) the categories of your Personal Information that we sold or disclosed in the last 12 months; (v) the categories of third parties to whom your Personal Information was sold or disclosed in the last 12 months; and (vi) the purpose for collecting and selling your Personal Information. You may exercise your right to request to know twice a year, free of charge.
Please note, in response to a request to know, we are prohibited from disclosing your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password or security questions and answers.
Generally, in the past 12 months:
We collected the categories of Personal Information from the sources detailed above in “Information We Collect from You and from Third Parties”. The purposes for the collection of the Personal Information are described above in “How We Use Collected Information.”
Request to delete. You have the right to request that we delete the Personal Information that we have collected from you. We may deny your request under certain circumstances, such as if we need to comply with our legal obligations or complete a transaction for which your Personal Information was collected. If we deny your request to delete, we will let you know the reason why. You may submit a request for deletion via the following methods: E-mail email@example.com
Right to Non-Discrimination. If you choose to exercise any of these rights, we will not discriminate against you in any way. If you exercise certain rights, understand that you may be unable to use or access certain features of our Websites or services.
You have the right to know what personal information is sold, shared, or disclosed with third parties. As such, you may submit a verifiable consumer request via the following methods: E-mail us at firstname.lastname@example.org You may use an authorized agent to submit a request to know or a request to delete. When we verify your agent’s request, we may verify both your and your agent’s identity and request a signed document from you that authorizes your agent to make the request on your behalf. To protect your Personal Information, we reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
For Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal “do not call” list by calling 888-768-4767. Nevada law requires that we also provide you with the following contact information:
For Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with you with our affiliates without your consent
Right to Opt-Out of the Sale of Personal Information
You have the right to opt-out of the sale of your personal information. You may opt-out by emailing us at email@example.com and following the directions.
Questions and Comments
Last Updated: June 9, 2021