Date Posted:

This privacy policy (“Privacy Policy”) sets out our privacy practices on our mortgageonboard.com (“Website”). Generally, you may visit the Website without providing personal information about yourself. However, there are times when we may need to obtain personal information from you in order to provide certain services, products, or communications with you. The purpose of this Privacy Policy is to help you understand what information we collect as well as how we use and safeguard the information you provide to us on our Website or through other means of communication with us including our surveys. By interacting with this Website, you agree that your visit to our Website and any dispute over our online privacy practices, is governed by this Privacy Policy. This Privacy Policy may be changed from time to time. Any changes will be posted on this page. Any revised Privacy Policy will apply only to information collected after the effective date of such revised Privacy Policy, and not to information collected under any earlier Privacy Policy.

Information Collection

Personal Information You Provide To Us Or Ask A Third Party To Provide Us

We may collect personal information, including your name, cell phone number, email address, and certain demographic data, when you choose to voluntarily provide to us by subscribing to a newsletter, making inquiries regarding our products or services, requesting news from us, participating in surveys and the results of the surveys, reporting any issues you have found with our Website, participating in a promotional offer, providing us with feedback on our Website, or otherwise interacting with us.
We do not knowingly collect, use, or disclose personal information from children under the age of 16. If we find we have collected any information regarding a child, we will immediately delete the same. By using our Website, you represent that you are at least 16 years of age.
When we provide you the opportunity to engage in public actions such as comment on articles on the Website that are designed to be visible to other users, including comments, reviews, ratings, or any other items that you submit for publication, then the information disclosed in your public activities, along with your name, image, or photo, becomes public and may be used for online and offline promotional or commercial uses in any and all media. If you choose to engage in public actions, you should be aware that any personal information you submit can be read, collected, and used by other users of these areas. We are not responsible for the personally identifiable information you choose to submit in the course of your public actions, and we have no responsibility to publish, take down, remove, or edit any of your public postings or submissions.

Non-Personal Information Collected Using Technology

When you access and browse our Website, generally we do not request any personally identifiable information. However, we may collect, and track information provided to us by your device, including the website you came from, browser type, unique device identifiers, IP address, domain name, geolocation information, time and date of access and other information that does not personally identify you. We may use this information alone or together with your personal information to customize content and presentation on our Website. Non-personal information that we collect may be combined with other information about you.
We may collect non-personal information about you through cookies, pixel tags, web beacons and similar technologies. Cookies are small strings of text sent by the Website to your browser which are then stored by your browser on your computer’s hard drive.
Our advertisers may also use cookies and other technology to track and collect non-personal information about you when you click through the advertisement to their website. We are not responsible for their privacy practices.
Most web browsers automatically accept cookies, but it is possible to change your browser setup to allow you to control whether you will accept cookies, reject cookies, or to notify you each time a cookie is sent to you. If your browser is set to reject cookies, you may not be able to use or access all or a portion of our Website or features or may not receive personalization on the Website. In addition, advertisers may not recognize you when you return to their Website. The “Help” section of your browser will tell you how to prevent your browser from accepting cookies.
We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google’s Analytics Advertising. This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/.

Use of Your Information

We collect, retain and use information you provide us for to: correspond with you regarding our Website or services; inform you of developments in our company or with our services that we believe may be of interest to you; We may customize your use of the Website’s services; send you newsletters or news alerts; monitor Website traffic patterns and Website usage; comply with applicable laws; enforce our Terms of Use or other agreements; maintain or administer the services, perform business analyses or for other internal purposes to improve the quality of our business, the Website and other products and services we offer; and protect the rights, property or safety of the Website, our users and others.
The information, including the personal information, you provide to us may be used for any purpose we deem appropriate and may be given or disclosed to our affiliates, partners, vendors, advertisers, licensees and third parties. You acknowledge that you understand when you disclose personal information (name, email address, zip code) in connection with your use of our services, such information can be monitored, collected, and used by us or others and may result in unsolicited messages from other users or third parties.
We may use demographic and preference information to provide advertising on the Website to target the users for whom they are most pertinent. This means users may see advertising that is most likely to interest them, and many advertisers send their messages to people who are most likely to be receptive, improving both your experience and the effectiveness of the advertising.
We may use your information to show you relevant ads both on our services and elsewhere or measure the effectiveness of ads. To learn more about how you can opt out of interest-based advertising, please visit www.networkadvertising.org.

Discloser, Sharing and Sale of Your Information

We may provide your information, including your personal information, to third parties, such as service providers, vendors, and advertisers, for a variety of purposes, including, without limitation, for direct marketing purposes. We reserve the right to disclose to third parties all of the information that we collect online about you and other visitors.
We may share in aggregate, statistical from non-personal information regarding the visitors to our Website, traffic patterns and Website usage with our affiliates, investors, advertisers or other third parties.
We may disclose information we maintain when required to do so by law or may disclose such information in response to a request from a law enforcement agency or authority, subpoena, court order or legal process, or to establish or exercise our legal rights or defend against legal claims.
We may share information with third parties in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the Terms of Use or as otherwise required by law.
If we sell, buy, or merge with other companies or businesses. In such transactions, we may include your information among the transferred assets.
We share your information with third party advertising companies to target and serve some of the advertisements that appear on our Website, and these companies likewise may use their own cookies, web beacons and similar technologies to collect information from users of our Website. These companies may use that information, sometimes in conjunction with similar information gathered from other websites, to deliver advertisements on this Website, tailored to match the interests of consumers. The collection and use of information by these companies is governed by the relevant third party’s privacy policy and is not covered by our privacy policy. If you would like information on how to opt-out of these information collection practices, please visit http://www.networkadvertising.org/choices/.

Links to Third Party Websites

Our Website may offer links to other websites, including links embedded in advertisements and links to various news sources that are not under our control. Such links to other websites may have information policies and practices different from ours. We do not own or control such companies and websites and are not responsible for the privacy policies or practices or the content of such websites.

Security Protocols

We use reasonable industry-accepted technology including firewalls, secured environment and limited access to protect your data from disclosure to unauthorized third parties. Although these measures have been found by our industry to be effective, use of the Internet and computer systems remain vulnerable to unauthorized access. Thus, we do not guarantee that all information you provide to us will not be accessed by unauthorized persons. We are not responsible for third party conduct outside of our control.

Opting Out

If, at any time, you prefer not to receive email marketing information, surveys, or newsletters from us, simply follow the unsubscribe link at the bottom of each email or call us toll free at 866-252-9040.

CALIFORNIA CCPA AND CPRA NOTICE

This Privacy Notice for California Residents supplements the information contained in our primary privacy policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and as amended and effective January 1, 2023, the California Privacy Rights Act (“CPRA”). Any terms defined in the CCPA and CPRA have the same meaning when used in this Notice. The CCPA and CPRA are collectively referred to as the “CCPA” for purposes of this Notice.

Category Collected	Exemplar	Source	Business Purpose	Share or Sale
Identifiers	First and Last Name, Postal Address, Unique Personal Identifier, Online Identifier, Internet Protocol Address, Email Address	Directly and indirectly from consumers, Third party data providers, Ad exchanges, Supply-side platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers, Contractors, Third-party vendors, Clients, Affiliated companies
Personal and Sensitive Information	First and Last Name, Address, Telephone Number, Credit Card or Debit Card when purchases are made	Directly from Consumers	To process consumer requests, Purchases, Transactions, Payments, Prevent fraud	Service providers, Contractors Third-party vendors, Clients, Affiliated companies
Commercial Information	Records of products or services purchased, obtained, or considered. History or tendencies toward products and services or response to advertising.	Directly and indirectly from consumers, Third party data providers, Ad exchanges, Supply-side platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. To process consumer requests, purchases, transactions, payments, and prevent fraud.	Service providers, Contractors, Third-party vendors, Clients, Affiliated companies
Internet or other Similar Network Activity	Browsing history, Search history, Information on a consumer's interaction with a website, Application, Advertisement	Directly and indirectly from consumers, third party data providers, Ad exchanges, Tech and analytics third party platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers, Contractors, Third-party vendors, Clients, Affiliated companies
Geolocation Data	Through collection of your IP, we collect your general location, upon requesting services, or product we collect your physical address	Directly and indirectly from consumers, Third party data providers, Ad exchanges, Tech and analytics third party platforms, Clients.	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers, Contractors, Third-party vendors, Clients, Affiliated companies
Inferences Drawn from other Personal Information	From information we collect as set forth herein and information provided by third-parties, we are able to profile a general understanding of your preferences, characteristics, and personal preferences to determine what ads or products or services you may be interested in receiving.	Directly and indirectly from consumers, Third party data providers, Ad exchanges, Tech and analytics third party platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.	Service providers, Contractors, Third-party vendors, Clients, Affiliated companies
Highly Sensitive Information	Credit card or financial information for purposes of a transaction involving our products or services.	Consumers	To respond to request of consumer for products or services	We do not share or sell Highly Sensitive Information with third-parties unless they are necessary to assist us in performing the services or provide the products or otherwise as requested by you. We do not sell Highly Sensitive Information to any third-parties.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to and Correction of Specific Information and Data Portability Rights

You have the right to request that we disclose and or correct certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights below), we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third-parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- Sales, identifying the personal information categories that each category of recipient purchased; and
- Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights below), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act.
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.

Right to Opt-Out of the Sale of Personal Information

You have the right to opt-out of any sale of your Personal Information by us. If you are requesting a product or service, this is an exemption from this right, and we will process your request. However, you have the right to cease all further sale of your Personal Information. You may email us or use our web portal and fully fill out the request form.

Opt-Out Preference Signal (Global Privacy Control)

You may use an Opt-Out Preference Signal, such as the Global Privacy Control (“GPC”), to opt-out of the sale/sharing of your personal information. However, this technology and our use of it is not fully developed by the market. Our database containing your information may not be linked to your browser identification and because your request to opt-out of sale/sharing will be linked to your browser identifier only and not linked to any account or database information as the connection between your browser and our database is not known to us, we may not be able to fulfill this request.

If you would like us to make the connection between your browser and your account within our database, please email us or submit the requested form through our website portal below.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us toll free at 866-252-9040
Visiting our web portal: https://www.consumerdataprotect.com/?ref=mortgageonboard.com

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. The appointment must be in writing and presented by your agent. If your authorized agent requests sensitive information about you then we may ask you to provide us with a sworn declaration to further verify your identity.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include:
- You will be required to provide your full name, email address, and zip code.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We will respond to your request to delete or cease sharing or sale of your Personal information within ten (10) days of receipt of your request. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 days), we will inform you of the reason and extension period in writing.

We will deliver our written response by email unless you request, we mail the same to you and provide a current mailing address.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

Retention of Personal Information

We retain Personal Information as long as is reasonably necessary to fulfill the purpose for which it was collected, as required by an applicable law, rule, regulation or contractual provision. We will retain your Personal Information for the purposes of commercial marketing to you until you request we cease further efforts to provide you such offers or in the event you request deletion of your Personal Information. To determine the appropriate duration of the retention of Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of Personal Information, and if we can attain our objectives by other means, as well as our legal, regulatory, tax, accounting, and other applicable obligations.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. The only notice to you will be our posting of the updated notice on the Website and update the notice's effective date.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your information described here and in the posted Privacy Policy, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: help@mortgageonboard.com

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