Last Updated and Effective: January 1, 2021
You are visiting a website owned and operated by MortgageHome, LLC (collectively, “MortgageHome”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.
Information We Collect
Identifying Information: We collect information that could identify you such as your name, address, telephone number, mobile number, email address. We may also collect this type of information from you about others, such as co-borrowers.
Financial Information: We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners’ products or services.
Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.
How We Collect Information
Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.
Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.
How We Use Information
We may use collected information to:
Deliver the products and services you requested
Improve customer service
Improve our Site
Personalize your user experience
Communicate with you about products or services that may be of interest to you
Manage our business
Who Do We Share Your Information With?
Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct MortgageHome to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between MortgageHome and its Network Partners, if you select a Network Partner through our Services, MortgageHome may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. MortgageHome and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. MortgageHome may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
Financial Companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.
MortgageHome Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.
Other Situations: We may also disclose information about you or provided by you at our sole discretion:
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 may raise or waive any legal objection or right available to us.
When we 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 MortgageHome business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
In connection with a substantial corporate transaction involving the MortgageHome business, such as a sale of MortgageHome or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize MortgageHome to obtain any and all required information from the entities with whom you have interacted with in connection with MortgageHome in order for MortgageHome 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 loan you selected and the terms of the loan you selected.
We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.
Cookies and Do Not Track
The Websites may not respond to Do Not Track requests or headers from some or all browsers.
Marketing and Communications
Communications: You may adjust your communications preferences through email email@example.com. You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from MortgageHome.
Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from MortgageHome businesses. Please review the “Online Tracking and Opt-Out Guide” section of this Policy below for a detailed list of choices on how to opt out of ad targeting.
Updating and Accessing Your Information
The appropriate method(s) 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 using the respective Site or Service’s interface. If you have submitted a loan request through us, you can update your information by email firstname.lastname@example.org.
How We Protect Your Information We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.
Compliance with Children’s Online Privacy Protection Rule Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.
Online Tracking Opt-Out Guide Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:
Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org. Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
Digital Advertising Alliance: http://optout.aboutads.info
Network Advertising Initiative: http://optout.networkadvertising.org/?c=1
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
NOTICE TO CALIFORNIA RESIDENTS We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their personal Information, and the rights and choices we offer California residents regarding our handling of their personal information.
CCPA Scope and Exclusions This CCPA Notice, including the description of our Privacy Practices and your Privacy Rights, apply only to California residents whose interactions with us are limited to:
Visiting our consumer websites,
Signing up for email alerts,
Commenting on or contributing to our blogs,
Establishing an account that does not include financial products or services, or
Applying for our job openings on our websites (however, note that the CCPA limits some of the privacy rights for job applicants).
This CCPA Notice does not apply to the personal information we collect, use or disclose about:
Consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us.
The CCPA grants individuals the following rights:
Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.
Access. You can request a copy of the personal information that we maintain about you.
Deletion. You can ask us to delete the personal information that we collected or maintain about you.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.
How to Submit a Request
To request access to or deletion of personal information:
Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request. Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority. Notice of Collection of Personal Information.