Effective Date: November 15, 2014
California Privacy Notice
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" or "Company"). 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 its headquarters in Los Angeles, California 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 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 page
describes our online privacy policy ("Privacy Policy"). This Privacy
Policy is designed to protect consumers to ensure you both have a valuable
and great experience on our The Site with confidence that your information
is safe and secure. 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, you are accepting the practices described in this
Privacy Policy, as well as our website Terms and 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 and conditions.
1. Collection of Information
The Site collects information from individuals by various methods,
including, but not limited to the list herein, which is inclusive of
online or offline. (As used herein, "online" means using the Internet,
including the Websites, and related technologies, and "offline" means by
methods other than online, including in person, in the postal mail, using
telephones and cell phones, and other similar means) methods. In these
methods, the Site may ask an individual to provide various information,
which may include his or her name, email address, street address, zip
code, telephone numbers (including cell phone numbers and carriers), birth
date, gender, salary range, education and marital status, occupation,
social security number, employment information, personal and online
interests, user behavior, other demographic information and such other
information as may be requested from time to time (together, "Personal
Information"). Providing information is completely voluntary, and
individuals are under no obligation to provide Personal Information to the
Site.
The personal profile information you submit to the Site remains your
property, but by submitting that information to the Site, you grant the
Site and its Affiliates, the right to use that information for marketing
purposes. The Site may also use such information for content improvement
and feedback purposes. The Site reserves the right to release
current or past member information in the event the Site believes that the
membership is being or has been used in violation of its AUP the Rules or
to commit unlawful acts, if the information is subpoenaed, if the Site is
sold or acquired, or when the Site deems it necessary or appropriate. By
agreeing to these terms, you hereby consent to disclosure of any record or
communication to any Third Party when the Site, in its sole discretion,
determines the disclosure to be appropriate.
a. Information Collected from You
a.i.
Survey Information. Survey information is for the purposes of providing
data to the Site to represent to its customers and to assist the Site in
improving its experience for its customers.
a.ii.
Quote Information. Quote information is for the purposes of providing
consumers with quotes for services from service providers including but
not limited to various mortgage loans, insurance products, credit card
offers and other service offerings.
a.iii.
The Site Membership or Registration. To the extent registration is
required to receive email and possibly postal communications from the
Site, this Privacy Policy also applies to consumers that have agreed to
receive e-mail marketing from the Site and its partners, whether at our
Website or otherwise.
a.iv.
"Subscription" occurs when an end-user registers for the Site's services,
via registration at our website. The Site collects personally identifiable
information about our subscribers, based on: information gathered at the
time of registration, subscriber interaction and response to subsequent
electronic mailings and website use.
a.v.
Requests for Assistance or Service. When an individual requests assistance
through the Site€™s customer service department, and when an individual
voluntarily subscribes to the Site's service or newsletter (together,
"Other Information").
b. Automated collection of information
The Site currently uses cookie and web beacon technology to associate
certain Internet-related information about an individual with information
about the individual in our database. Additionally, The Site may use other
new and evolving sources of information in the future (together,
"Technology Information").
b.i.
Cookies. A cookie is a small amount of data stored on the hard drive of
the individual's computer that allows The Site to identify the individual
with his or her corresponding data that resides in the Site 's database.
You may read more about cookies at http://cookiecentral.com. Individuals
who use the Websites need to accept cookies in order to use all of the
features and functionality of the Websites.
b.ii.
Web Beacons. A web beacon is programming code that can be used to display
an image on a web page (by using an programming function -- see
http://truste.org for more information), but can also be used to transfer
an individual's unique user identification (often in the form of a cookie)
to a database and associate the individual with previously acquired
information about an individual in a database. This allows The Site
to track certain website an individual visits online. Web beacons are used
to determine products or services an individual may be interested in, and
to track online behavioral habits for marketing purposes. For example, The
Site might place, with the consent of a Third Party website, a web beacon
on the Third Party's website where shoes are sold. When Joe, an individual
listed in The Site's database, visits the shoe website, The Site
receives notice by means of the web beacon that Joe visited the shoe the
Site, and The Site would then update Joe's profile with the
information that Joe is interested in shoes. The Site may thereafter
present offers of shoe related products and services to Joe. In addition
to using web beacons on its and its affiliates web pages, The Site
also uses web beacons in email messages sent to individuals listed in The
Site's database.
b.iii.
New Technology. The use of technology on the Internet, including cookies
and web beacons, is rapidly evolving, as is The Site's use of new and
evolving technology. As a result, The Site strongly encourages individuals
to revisit this policy for any updates regarding its use of
technology.
b.iv. Usage
Tracking and Log Files. The Site tracks information related to the
electronic mailings and web pages viewed by users and subscribers, as well
as the hyperlinks clicked by subscribers, while viewing our emails or
visiting our websites. Log files are used to track and monitor subscriber
usage.
b.v. IP
Address. We collect your IP (Internet Protocol) address to help diagnose
problems with our server, to gather information on your proximity to
improve the Site experience and to administer The Site. An IP address is a
number that is assigned to your computer when you use the Internet. Your
IP address is also used to help identify you during a particular session
and to gather broad demographic data.
b.vi.
Clear GIFs. We use a common technology known as a "Clear GIF" or "1-by-1
Pixel" on the Site and in e-mail communications with users. A Clear GIF or
"graphic interface format" is a small graphic (in fact, truly a 1x1 pixel)
that we (or our partners) place on a page of the Site. We may also
occasionally place GIFs in e-mail messages that we send to users. GIFs,
which do not contain any PII, provide us with important information about
how users use the Site and respond to e-mail messages. With this
information, we are better able to track the performance of certain
promotions and understand the effectiveness of particular creative e-mail
presentations. We may also allow our advertisers and promotional partners
the ability to use GIFs on the Site solely to track users who link from
their respective the Sites to this The Site, but this ability to track
such activity does not allow these entities access to user PII.
c. Outside Information. The Site may receive
information about individuals from Third Parties or from other sources of
information outside of The Site including information located in
public databases ("Outside Information"). The Site will not use your
information to pull a credit bureau report without your permission.
d. No Information Collected from Children. The Site
will never knowingly collect any personal information about children under
the age of 13. If The Site obtains actual knowledge that it has
collected personal information about a child under the age of 13, that
information will be immediately deleted from our database. Because it does
not collect such information, The Site has no such information to
use or to disclose to Third Parties. The Site is designed this
policy in order to comply with the Children's Online Privacy Protection
Act ("COPPA").
e. Links to External Websites. The Site's mails and
websites contain links to external websites. You will be taken to external
websites if you click on these links. Your information may be passed from
The Site's database to the external website, and/or external database, for
your convenience (e.g. your information may be used to pre-fill a form at
a destination website). The Site is not responsible for the privacy
practices or content of any external website owner. We encourage you to
review the privacy policy of any website they visit.
2. Use of Individual Information.
a. Our use of your information.
a.i.
Email and Unsubscribe Policy. The Site uses Individual Information
to provide promotional offers by email to individuals. The Site may
maintain separate email lists for different purposes. If email recipients
wish to end their email subscription from a particular list, they need to
follow the instructions at the end of each email message to unsubscribe
from the particular list. To unsubscribe from all the Site's email lists,
a person must use the Contact Us link on this site and put Unsubscribe in
the subject line. The Site unsubscribe process impacts only the future
delivery of electronic mailings disseminated by the Site on its own
behalf.
a.ii.
Content of Email Messages. In certain commercial email messages sent by
The Site, an Advertiser's name will appear in the "From:" line but hitting
the "Reply" button will cause a reply email to be sent to The Site. The
"Subject:" line of the Site email messages will usually contain a line
provided from the Advertiser to The Site.
a.iii.
Solicited Email. The Site only sends email to individuals who have
agreed on the Websites to receive email from the Site. As such, the Site
does not send unsolicited email messages. As a result, statutes requiring
certain formatting for unsolicited email are not applicable to The Site's
email messages.
a.iv.
Telemarketing. The Site uses Individual Information to advertise,
directly or indirectly, to individuals using direct mail marketing or
telemarketing using telephones and cell phones. By registering and using
this The Site, You acknowledge that the processing of your individual
information may involve the transfer of such PII from within the European
Economic Area ("EEA") to countries outside the EEA whose data protection
regulation may not be as stringent as that within the European Union. We
may use individual information to provide the services you've requested,
including services that display customized content and advertising. By
submitting Survey Information, The Site Membership or Registration or
Quote Information request to the Site, you understand that the Site may
contact you by telephone (on a recorded line), automated calling,
automated call with pre-recorded message to facilitate a verified phone
connection, email, or home mail delivery based on the information you
provided to the Site in order to process and fulfill your request or offer
you other products or services, even if you have opted into the National
Do Not Call List administered by the Federal Trade Commission, any state
equivalent Do Not Call list or the Do Not Call List of the Site or its
affiliates. If the Site€™s contacts you and you with to not be contacted
again by the Site, then you should specifically make a request to the Site
to not contact you again. Please note that the Site may maintain the
information you provided whether you elect to use its services.
a.v.
Wireless Addresses. If the e-mail address you provide to The Site is
a wireless e-mail address, you agree to receive messages at such address
from The Site or its business associates (unless and until you have
elected not to receive such messages by following the instructions in the
unsubscribe portion of this policy). You understand that your wireless
carrier's standard rates apply to these messages.
a.vi.
Short Message Service. The Site may make available a service through
which you can receive messages on your wireless device via short message
service ("SMS Service"). Data obtained from you in connection with this
SMS service may include your name, address, cell phone number, your
provider's name, and the date, time, and content of your messages. You
represent that you are 18 years of age and the owner or
authorized user of the wireless device on which messages will be received,
and that you are authorized to approve the applicable charges. In addition
to any fee of which you are notified, your provider's standard messaging
rates apply to our confirmation and all subsequent SMS correspondence. All
charges are billed by and payable to your mobile service provider.
The Site will not be liable for any delays in the receipt of any SMS
messages, as delivery is subject to effective transmission from your
network operator. SMS message services are provided on an AS IS
basis. The Site may also obtain the date, time and content of your
messages in the course of your use of the SMS Service. We will use the
information we obtain in connection with our SMS Service in accordance
with this Privacy Policy. If fees are charged to your wireless account
invoice, we may provide your carrier with your applicable information in
connection therewith. Your wireless carrier and other service providers
may also collect data about your wireless device usage, and their
practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless
systems which use radios (and other means) to transmit communications over
complex networks. We do not guarantee that your use of the SMS Service
will be private or secure, and we are not liable to you for any lack of
privacy or security you may experience. You are fully responsible for
taking precautions and providing security measures best suited for your
situation and intended use of the SMS Service. We may also access the
content of your account and wireless account with your carrier for the
purpose of identifying and resolving technical problems and
service-related complaints.
The Site may use personal information to provide the services you've
requested, including services that display customized content and
advertising. The Site may also use personal information for
auditing, research and analysis to operate and improve our technologies
and services. When The Site uses business associates to assist
The Site in processing your personal information, The Site requires
that they comply with our Privacy Policy and any other appropriate
confidentiality and security measures. The Site will not share your
personal information unless we have your express permission or under
special circumstances, such as when we believe in good faith that the
disclosure is required to prevent harm or injury (such as product recalls,
fraud, claims or other liability) or to comply with valid legal processes
(subpoenas, warrants) or as required by law.
You may remove your information from The Site's database. If you remove
your information from The Site's database it will no longer be used by the
Site for secondary purposes, disclosed to third parties, or used by the
Site to send promotional correspondence to you. You may remove your
information by sending your request through the Contact Us link on this
website or by sending "STOP", "END", "QUIT" to the SMS text message you
have received.
a.vii.
Use of Technology Information. The Site uses Technology Information
(1) to track a person's online browsing habits on the Internet, (2) to
determine which areas of The Site's websites are most frequently visited.
This information helps the Site to better understand the online habits of
individuals so that The Site can target advertising and promotions
to them.
a.viii. Profiles of Individuals. The Site
uses Individual Information to make a profile of an individual. A profile
can be created by combining Survey Information with other sources of
Individual Information such as information obtained from public databases.
a.ix.
Storage of Individual Information. The Site stores the Individual
Information in a database on its' computers. Our computers have security
measures (such as a firewall) in place to protect against the loss,
misuse, and alteration of the information under the Site's control. Not
withstanding such measures, the Site cannot guarantee that its security
measures will prevent its computers from being illegally accessed, and the
Individual Information on them stolen or altered.
b. Dissemination of Individual Information.
b.i.
Marketing and Order Fulfillment. The Site will transfer Individual
Information to Third Parties when necessary to provide a product or
service that a person orders or requests from such Third Party while using
The Site's web the Sites, when completing a Quote Information request or
when responding to offers provided by The Site. The Site may also use a
Third Party to provide you with information regarding The Site, its
services and products or to provide you with Third party services and
information which you have requested.All Third Parties associated with the
Site have entered into an agreement with the Site, and are required to
comply with all state and federal privacy regulations. The Site will
not perform a credit check on you unless you authorize it to do so when
completing a Quote Information request. However, even if you do not
provide your Social Security Number, The Site may access your credit file
to verify that your request is complete and accurate and to assist in
preventing fraud or identity theft.By submitting a Quote Information
request to the Site, you understand that Third Parties may contact you by
telephone (on a recorded line), automated calling, mobile phone, SMS,
email, or home mail delivery based on the information you provided to the
Site in order to process and fulfill your request, even if you have opted
into the National Do Not Call List administered by the Federal Trade
Commission, any state equivalent Do Not Call list or the Do Not Call List
of any internal company. If one of the Site’s Third Party partners
contacts you and you with to not be contacted again by that Third Party
with respect to your inquiry, then you should specifically make a request
to that Third Party to not contact you again. Please note that the Third
Parties may maintain the information you provided whether you elect to use
their services.
b.ii.
Legal Process. The Site may disclose Individual Information to
respond to subpoenas, court orders, and other legal processes.
b.iii.
Access. Individuals have access to their Individual Information collected
to provide an opportunity for an individual to correct, amend, or delete
such information. Access can be obtained by contacting us at the Contact
Us link on this website. The Site may also grant advertising clients
and email services providers' access to an individual's email address to
verify the origin of the Individual Information collected.
c. Privacy Practices of Third Parties.
c.i.
Advertiser cookies and web beacons. Advertising agencies, advertising
networks, and other companies (together, "Advertisers") who place
advertisements on The Sites and on the Internet generally may use their
own cookies, web beacons, and other technology to collect information
about individuals. The Site does not control Advertisers' use of
such technology and The Site has no responsibility for the use of such
technology to gather information about individuals.
c.ii.
Links. The Websites and email messages sometimes contain hypertext links
to the websites of Third Parties. The Site is not responsible for
the privacy practices or the content of such other websites. Linked
websites may contain links to websites maintained by Third Parties. Such
links are provided for your convenience and reference only. The Site
does not operate or control in any respect any information, software,
products or services available on such Third Party websites. The inclusion
of a link to a web the Site does not imply any endorsement of the services
or the Site, its contents, or its sponsoring organization.
3. Unsubscribe Procedures.
If you wish to discontinue receiving email messages from The Site you have
several options: a. Unsubscribe from one email
list. To unsubscribe from a particular list,
either (1) submit a request via the Contact Us link on this website or (2)
follow the instructions in each promotional email message sent.
b. Unsubscribe from all of the Site's email
lists. We reserve the right to add Individual
Information to multiple lists maintained by the Site. To globally
unsubscribe from all of the Site's lists, send a request through the
Contact Us link on this site and indicate you wish to be removed from all
mailing lists.
4. CALIFORNIA RESIDENTS PRIVACY RIGHTS.
Companies that collect personally identifiable information ("PII") from
California residents and disclose such information to Third Parties
(including affiliated entities) for marketing purposes must, in response
to a request by a consumer, either (1) provide a list detailing the
categories of information shared and the entities to which such
information was provided, or (2) provide a mechanism by which a consumer
may opt-out of having their information shared with Third Parties. We have
elected the second option and you may request that your PII not be shared
with Third Parties by sending your request, including your full name,
email address and postal address to: The Site or by mail to California
Privacy Information c/o The Site , 6404 Wilshire Blvd., Suite 1850, Los
Angeles, CA 90048. In accordance with California Civil Code Sec. 1789.3,
California resident users are entitled to know that they may file
grievances and complaints with California Department of Consumer Affairs,
400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at
916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
For more information about protecting your privacy, you may wish to visit:
www.ftc.gov. If you have questions about this policy, please contact us at
by using the Contact Us link on this site.
IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY OR OUR TERMS OF
USE, 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 OR PROVIDED
ON COMPANY WEB THE SITES.
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.
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