LeadPoint, Inc. dba SecureRights
Last Update Date: August 2024

This Privacy Policy explains how LeadPoint, Inc. dba SecureRights ("SecureRights", " we," "our," or "us"), and related web collects, uses, discloses, and protects information we collect through our online services, websites, mobile applications, and software provided on or in connection with the services and also any and all communications with us via phone, email, text or otherwise (each, a "Service" and collectively, "Services"). Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in our Terms & Conditions.

SecureRights is a third party verification service dedicated to protecting consumers from fraud and privacy violations. We work with other businesses displaying the SecureRights logo such as the one from whose website you transferred to get to this site (collectively the "Site," "Sites" or "Company"). The Sites include, without limitation, FHARateGuide.com, HomeEquityQuiz.com, CashoutEquity.com, and VARateGuide.com. We provide a secure platform for these businesses to manage and oversee the collection and transfer of consumer information. SecureRights verifies information submitted through its system by individual consumers seeking information on financial products and services from the businesses that provide them.

SecureRights is affiliated with LeadPoint, Inc., a Delaware corporation with offices in Plano, Texas and maintains an online marketplace that helps match businesses that provide residential mortgages, debt financing and other financial products and services to consumers who have expressed an interest in seeking such products and services. SecureRights is an independent third party verification service that is dedicated to combating fraud and protecting consumer privacy. When consumers like you seeking financial products and services submit their information through websites prominently displaying the SecureRights logo, we will collect and use personal information about you to respond to your request for such products and services. SecureRights also provides a mechanism for consumers to report fraud or violations of their privacy.

Your privacy is important to us. We understand that in seeking information on a mortgage refinance or other financial product or service you are entrusting us with your personal financial information. We take privacy seriously, and want you to feel comfortable using the Site. This Privacy Policy describes how we use personal information that you submit to us through a website or advertisement displaying the SecureRights logo, how that information is protected, and what safeguards are available to you if you believe that your privacy has been violated or your personal information misappropriated.

By visiting the Site or using the Services, you accept and consent to the practices described in this Privacy Policy, including without limitation, consent to our collection, use, disclosure, and protection of information, as well as our website Terms & Conditions. By requesting information on our products and services, providing information to us, or otherwise using the Site in any way, you are further indicating your acceptance of this Privacy Policy and our Terms & Conditions.

1. COLLECTION OF INFORMATION
1. Personally Identifying Information

We collect information that could identify you (e.g., name, address, telephone number, and email address). We may also collect this type of information regarding others from you (.e.g, co-borrowers). We may also collect information, like demographic data, online activity data, and other non-identifying information, data about your online activity, and other information that is not used to identify you.

2. HOW WE COLLECT INFORMATION
1. Information from You

We collect information you provide directly, or otherwise provide it in connection with our Services (e.g., via online form, telephone (including on a recorded line), or use of our Services).

2. Information from Third Parties

We may collect information about you from credit bureaus, lead generators and other partners.

3. Cookies and other Technologies

We may use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information (e.g., internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data). We may combine this automatically collected log information with other information we collect about you. You may set your web browser to refuse cookies, or to alert you when cookies are being sent (please note that some parts of our Site may not function properly if you do so).

3. HOW WE USE INFORMATION

We use your information to provide the Services. For example:

1. Provide you the Services you request and enable non-affiliated third parties to provide additional services to you.

2. Customer service

3. Site improvements

4. Personalize your user experience.

5. Communicate with you about products or services that may be of interest to you.

6. Manage our business.

7. Operate, maintain and improve the Services and create new features and functionality.

8. Understand and analyze usage trends and preferences of our users across different devices.

9. For fraud detection and information security.

4. HOW WE SHARE YOUR INFORMATION
1. Partners

We may share information about you or provided by you with our affiliates and/or Partners. When you use our Site or Service, you direct and authorize SecureRights to share information about you with lenders and other Partners in our network, to deliver the products, information or services you request. Please note that the Partners you interact with may retain or use your information whether or not you use their services or products. You should contact these Partners directly concerning their privacy and information sharing practices. Pursuant to the contracts between SecureRights and its Partners, if you select a Partner through a Site, SecureRights may also receive information about you from that Partner including, but not limited to, the Partner's product or service you use. SecureRights and its Partners may exchange information about you in order to provide you with information about financial services and products. SecureRights may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose. Partners include service providers, including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.

2. Other Purposes

We may also disclose information about you or provided by you at our sole discretion:

1. In relation to or in response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we will exercise our legal rights, and may raise or waive any legal objection or right available to us.

2. When we reasonably believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the SecureRights, our users, our employees, or others; or to enforce our Site's Terms & Conditions or other agreements or policies.

3. In connection with a substantial corporate transaction involving SecureRights or the Site, such as a sale of SecureRights or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.

4. In relation to state and/or federal licensing requirements regarding the reporting of information contained in the information or inquiries we receive from you. You authorize SecureRights to obtain any and all required information from the Partners that have interacted with you in order for SecureRIghts to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the product or service you selected and related terms.

5. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, at our discretion, where not prohibited by law.

5. DO NOT TRACK

We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Site(s). The Sites do not support Do Not Track browser settings and we do not respond to "Do Not Track" or similar signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.

6. HOW WE PROTECT YOUR INFORMATION

We maintain physical, electronic, and procedural measures to safeguard your information from accidental or unauthorized access and disclosure. We use Amazon Web Services (AWS). No system can be completely secure. While we work to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure. SecureRights is not responsible for the functionality or security measures of any third-party or Partner.

7. UPDATING AND ACCESSING YOUR INFORMATION

The method for accessing your information, if any, will depend on which Site or Services you have used. Depending on the respective Site or Service, you may have the ability to view or edit some of your information online via the respective Site or Service.

8. PRIVACY POLICY CHANGES

SecureRIghts has the discretion to update this Privacy Policy at any time. When we do, we will revise the date at the top of this page. We encourage you to check this page often for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications.

9. CHILDREN'S PRIVACY

The Site and Services are not intended for individuals under 16 years of age. We do not not knowingly collect or solicit any information from anyone under the age of 16. In the event that we learn that we have collected personal information from a child under the age of 16, we will promptly delete that information. If you believe that we might have collected any information from a child under 16, please contact privacy@securerights.org.

10. LINKS TO OTHER WEBSITES AND SERVICES

We are not responsible for the practices employed by third-party websites or services linked to or from the Service or to which you direct SecureRights to retrieve information, including the information or content contained therein. Please remember that when you use a link to go from the Service to a third-party Site or another website, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third-party's own rules and policies. In addition, you agree that we are not responsible for, and we do not have control over, any third-parties that you authorize to access your information. If you are using a third-party website or service and you allow such a third-party access to your information, you do so at your own risk. SecureRights is also not responsible for sites directing you to the Site. Our Terms & Conditions and Privacy Policy do not apply to those third-party sites either.

11. EMAIL PROMOTIONS

You can stop receiving promotional email communications from us by clicking on the "unsubscribe link" provided in such communications. We make every effort to promptly process all unsubscribe requests. You may not opt out of Service-related communications (e.g., account verification, transaction-related updates, changes/updates to features of the Service, and technical and security notices). If you have any questions about reviewing or modifying your account information, you can contact us directly at privacy@securerights.org.

12. INTERNATIONAL VISITORS

The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.

13. CALIFORNIA PRIVACY RIGHTS

This section contains disclosures required by the California Consumer Privacy Act ("CCPA") and applies only to "personal information" that is subject to that law. If you are a California resident, the CCPA may apply to our Services as they relate to business products featured on our site. Please review our Privacy Notice for California Residents for our California privacy disclosures and information on how TO exercise your CCPA rights.

14. NEVADA PRIVACY RIGHTS

Nevada residents may submit a request directing us to not sell personal information we maintain about them. To exercise this right, email us at privacy@securerights.org with the subject line: "Nevada: Request to Opt-Out."

15. U.S. CONSUMER PRIVACY NOTICE


16. CONTACT INFORMATION

If you have any questions about this Privacy Policy or SecureRights, please contact us at:

LeadPoint, Inc. dba SecureRights
5717 Legacy Drive, Suite 250
Plano, TX 75024
privacy@securerights.org

IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY OR OUR TERMS & CONDITIONS, PLEASE DO NOT USE OR VISIT THIS THE SITE OR PROVIDE THE COMPANY WITH ANY INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED BY THE COMPANY

PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB THE SITE.