Privacy Policy
Effective July 4th, 2024
We are committed to making our website accessible to everyone. If you are having difficulty accessing any part of our website, please contact us for assistance at [email protected]. We welcome your suggestions and comments as we engage in ongoing efforts to improve the accessibility and usability of our website.
Non-Discrimination Policy
Home Lenders USA does not discriminate against clients or potential borrowers on the basis of actual or perceived age, marital or partnership status, pregnancy, maternity, caregiver status, race (including color, nationality, ethnicity or national origin), religion, creed, belief, sex, gender, sexual orientation, veteran or military status, or the presence of any sensory, mental or physical disability, or the use of a trained guide dog or service animal by a person with a disability, or any other applicable legally protected status.
Privacy
Your privacy is very important to us. The purpose of this Privacy Policy (the "Policy") is to describe what Personal Information (as defined below) and other information Home Lenders USA LLC ("Home Lenders USA", "us," "our," or "we") may collect from you, how we may collect it, with whom we may share it, as well as the choices you have regarding our collection of information and our use and disclosure of that information to other parties..
We may collect information through our website located at Homelendersusa.com, as well as other sites accessible via subdomains, mobile versions of any of our sites, and any other site on which we post this Policy (each a "Site" and, collectively, the "Sites"). Capitalized terms not otherwise defined here will have the same definitions as set forth in our Terms of Service.
If you do not agree to the practices disclosed in this Policy, please do not use our Sites
("Home Lenders USA LLC) operates homelendersusa.com and may operate other websites. It ("Home Lenders USA LLC)'s policy to respect your privacy regarding any information we may collect while operating our websites.
Website Visitors
Like most website operators, homelendersusa.com collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Home Lenders USA purpose in collecting non-personally identifying information is to better understand how Home Lenders USA's visitors use its website. From time to time, Home Lenders USA may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Home Lenders USA also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on homelendersusa.com. Home Lenders USA only discloses logged in user and commenters IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenters IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Home Lenders USA's websites choose to interact with Home Lenders USA in ways that require Home Lenders USA to gather personally-identifying information. The amount and type of information that Home Lenders USA gathers depends on the nature of the interaction. For example, we ask visitors who sign up at homelendersusa.com to provide a username and email address. Those who engage in transactions with Home Lenders USA are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Home Lenders USA collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Home Lenders USA. Home Lenders USA does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics
Home Lenders USA may collect statistics about the behavior of visitors to its websites. Home Lenders USA may display this information publicly or provide it to others. However, Home Lenders USA does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information
Home Lenders USA discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Home Lenders USA's behalf or to provide services available at Home Lenders USA's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Home Lenders USA's websites, you consent to the transfer of such information to them. Home Lenders USA will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Home Lenders USA discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Home Lenders USA believes in good faith that disclosure is reasonably necessary to protect the property or rights of Home Lenders USA, third parties or the public at large. If you are a registered user of an Home Lenders USA website and have supplied your email address, Home Lenders USA may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Home Lenders USA and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Home Lenders USA takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Business Transfers
If Home Lenders USA, or substantially all of its assets, were acquired, or in the unlikely event that Home Lenders USA goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Home Lenders USA may continue to use your personal information as set forth in this policy.
Ads
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Home Lenders USA and does not cover the use of cookies by any advertisers.
Privacy Policy Changes
Although most changes are likely to be minor, Home Lenders USA may change its Privacy Policy from time to time, and in Home Lenders USA's sole discretion. Home Lenders USA encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a homelendersusa.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
INFORMATION WE COLLECT
We may collect personal and other information about you when you use our Sites, as described below. "Personal Information" is information about identified or identifiable individuals, including (but not limited to) an individual's name, mailing address, email address, or phone number, whether used alone, or when combined with other personal or identifying information which is linked or linkable to that individual.
We typically collect Personal Information and other data from you, and use that information as set forth in this Policy or otherwise communicated to you from time to time (subject to your consent when required by applicable laws).
Newsletters, Inquiries and Emails
We may offer newsletters and/or other communications to share information with you about Home Lenders USA , our products and services, our independently owned and operated Home Lenders USA or our Affiliates, helpful guides and information relating to mortgages, real estate and other topics or offers in which we believe you may be interested. We may also provide you with information about us and our related entities, advertisers, sponsors, or other business partners through these newsletters and communications. When you sign up for a mailing list, we will collect Personal Information such as your name, email, and telephone number, as well as any other information on the signup form. You may receive this information from Home Lenders USA, our Affiliates, independent loan originators and or offices of Home Lenders USA or our Affiliates, or if appropriate, our advertisers or sponsors.
You may also inquire about or request certain information from a specific Home Lenders USA loan originator or office. If you inquire regarding a office or loan originator, or if you request information relating to a specific product/service offered by our independent loan originator or office, that independent loan originator or office may contact you regarding that or related products/services. In addition, if you indicate an interest regarding a specific product, service or franchise, you may automatically be placed on a list to receive email updates regarding that product, service or franchise (which may be sent by the independent office or loan originator).
With your consent, we may also provide you with SMS updates regarding our Sites, Home Lenders USA, our Affiliates, or our products and services. We may also provide you with the option to receive calls on your mobile phone regarding our products and services. If you opt-in during signup, you consent to receive such calls and messages. To revoke your consent, contact us via email or phone using the information provided below, or follow the instructions in the message you receive.
If you contact us through the Sites
You may contact us using the "contact" page with general questions about our Sites, the Home Lenders USA Franchising services and products, our business or other matters. If you do so, we will typically collect Personal Information from you, such as your name, email, and phone number, as well as other information you may choose to provide in the contact form. The Personal Information you provide through our Sites will be used primarily in the context of resolving your request or answering your inquiry, or to provide additional information related to that inquiry. We may also place you on our marketing list for information related to your inquiry or which we otherwise believe would be of interest to you, and we may otherwise use your information as described in this Policy.
When you register or sign up on our Sites
You may be able to register on our Sites in order to access and use certain services we may offer (whether on our behalf, or on behalf of our franchisees), access mortgage or brokerage-related resources, and for other features we may add from time to time. If you register on our Sites, we will collect Personal Information such as your name, email, address and any other Personal Information required on the registration form. If you wish, you may provide us your phone number. If you register, we may also collect additional Personal Information from you in the course of providing our services, for example, to enable account onboarding or other service offerings. We primarily use the Personal Information we collect during registration and as part of our services to provide your requested services, manage and correspond with you about your account, send you information and newsletters related to mortgages, brokers, properties, real estate markets, and/or other information we think may interest you, and for other matters described in this Policy.
Cookies, web beacons and other tracking technologies
Our Sites use cookies, which are small, commonly-used files that are transferred to your computer by us or a third party when you allow your browser to accept cookies. Similarly, we or our third party service providers/advertisers may also use "web beacons," "pixel tags" or other tracking technologies, which are typically small pieces of code placed on a web page to monitor behavior and collect certain data regarding the actions of our guests online. These cookies and other technologies may be used to track your online traffic patterns, to enhance your experience when using our Sites, to store information during your session, to personalize the Sites for you based on your preferences and selections, to target advertising or content to you (as described further below) and to collect information about you and your visit to our Sites for other marketing and business purposes. You can adjust your privacy preferences regarding the use of cookies and similar technologies through your browser. However, disabling cookies may impair your user experience and disable certain features of our Sites.
Data about your activities online may be collected for use in providing advertising tailored to your individual interests, either by us, our affiliates, or third parties. We may work with third parties such as network advertisers and ad exchanges to serve advertisements across the internet and may use third party analytics service providers to evaluate and provide us and/or third parties with information about the use of these ads on third party websites and viewing of ads and of our content.
We and these third-party vendors, including Google, may use third-party technologies (such as a Facebook Custom Audience Pixel) together with our own first party technologies in order to analyze ad impressions, your use of ad services, and interactions with these ad impressions and ad services. The information collected may also include information about your visits to our Sites, include the pages you have viewed and what content you have seen. These third-party tracking technologies may be set to, among other things: (a) help deliver advertisements to you that you might be interested in; (b) prevent you from seeing the same advertisements too many times; and (c) understand the effectiveness of the advertisements that have been delivered to you.
To learn more about cookies and similar tracking technologies, and how they can affect your privacy, visit allaboutcookies.org. To learn more about, or to opt-out of Google's analytic and marketing services, visit Google Analytics Terms of Use, the Google Privacy Policy, or Google Analytics Opt-out.
IP Addresses and Click-stream Data
Our Sites and servers may collect other information from you when you access our Sites, including your IP address and the pages you visited and content you viewed while on our Sites. The Information collected cannot typically be used to identify you personally. However, if you have registered on the Sites, it may be possible for us to link certain information to information that identifies you personally. Information collected through our Sites includes information sent to us automatically by your web browser, the address of the web page you were visiting when you accessed our Sites, information about your operating system, the browser you are using, the date and time of your visit, and online traffic patterns and content accessed throughout our Sites.
How we Use Information
We may use your Personal Information to:
Anonymized Information.
We may share analyses of our server logs, traffic or information relating to customer leads, including details regarding usage of our Sites and general information about our audience, with current or potential advertisers or business partners. Such disclosures typically aggregate usage data from these analyses and other information not generally considered to be Personal Information.
Site Providers.
We may, without your consent, share Personal Information and other data with service providers who provide certain services on our behalf, or in the other circumstances noted below. For example, we may share certain Personal Information we collect with third parties such as providers of data hosting or processing services, payment processors, or other service providers. We also reserve the right to share any information we possess or data derived from it with service providers or others if such information has been reasonably de-identified.
Mergers & Acquisitions.
In addition, in the event that we go through a business transition, such as a merger, acquisition, liquidation or sale of all or a portion of our assets, Personal Information will, in most instances, be part of the assets transferred, or may be disclosed (subject to confidentiality restrictions) during the due diligence process. If such a transfer occurs, the acquiring company's use of your Personal Information will still be subject to this Policy and the privacy choices you have made.
Legal Disclosures.
Finally, we may, without your consent, access and disclose your Personal Information, any communications sent or received by you, and any other information that we may have about you as may be permitted or as we believe in good faith may be reasonably necessary to comply with any law, regulation, rule or court order; pursuant to subpoenas or other requests from governmental, regulatory or administrative agencies or law enforcement authorities; to respond to any claims, or to prevent, investigate, identify persons or organizations potentially involved in, or take any action regarding suspected fraud, violations of our Terms of Service, or activity that appears to us to be illegal or we believe may expose us to legal liability. Additionally, we may disclose Personal Information in situations that we believe to be emergencies involving potential threats to the physical safety of any person or property, if we believe that your information in any way relates to that threat.
Your Choices
It is possible for you to use most of our Sites without giving us any Personal Information. When you register with us or give us Personal Information, you may sometimes have an opportunity at the time we collect your information to limit e-mail communications from us or opt-out of receiving emails from third parties, or you can unsubscribe from email newsletters or similar communications by clicking on the unsubscribe link in every email. You may get more information or opt out of all information sharing with third parties for marketing purposes by contacting us at [email protected] or using the address or email below.
Information Security
We implement reasonable security measures to safeguard the Personal Information you provide us. However, please keep in mind that we are not liable for the actions of third parties to whom we may transfer your Personal Information in accordance with this Policy. Furthermore, please remember that "perfect security" does not exist on the Internet, and accordingly we cannot provide any guarantee that your Personal Information or any other information you provide us will remain secure.
Limitation of Liability
By providing us with any Personal Information, you expressly and unconditionally release and hold harmless Home Lenders USA Franchising, our Affiliates, and each of their related entities, parents, service providers, licensors, and its or their respective officers, directors, employees or agents (collectively the "Home Lenders USA Franchising Parties") from any and all liability for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information. In addition, while we take reasonable steps to prevent third party companies from making unauthorized use of your Personal Information, we cannot be held be held liable for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information by those third parties.
UNDER NO CIRCUMSTANCES SHALL ANY HOME LENDERS USA FRANCHISING PARTIES BE LIABLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOST PROFITS OR LOST REVENUE) THAT RESULT FROM THE USE OF THE SERVICES, INFORMATION OR MATERIALS PROVIDED ON OR THROUGH THIS SITE, EVEN IF THE HOME LENDERS USA FRANCHISING PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
International Guests
At this time our Sites and the services we provide are intended for use solely by U.S. customers. If you are accessing our Sites from outside of the U.S., you consent to the transfer of your information to the U.S., and the processing, use, and sharing of your information in accordance with this Policy. Regardless of where your information is collected or transferred, the information will be treated in accordance with this Policy.
Contact Us
You may contact us with your questions or comments regarding this Policy or our Sites at:
Email: [email protected]
Effective July 4th, 2024
We are committed to making our website accessible to everyone. If you are having difficulty accessing any part of our website, please contact us for assistance at [email protected]. We welcome your suggestions and comments as we engage in ongoing efforts to improve the accessibility and usability of our website.
Non-Discrimination Policy
Home Lenders USA does not discriminate against clients or potential borrowers on the basis of actual or perceived age, marital or partnership status, pregnancy, maternity, caregiver status, race (including color, nationality, ethnicity or national origin), religion, creed, belief, sex, gender, sexual orientation, veteran or military status, or the presence of any sensory, mental or physical disability, or the use of a trained guide dog or service animal by a person with a disability, or any other applicable legally protected status.
Privacy
Your privacy is very important to us. The purpose of this Privacy Policy (the "Policy") is to describe what Personal Information (as defined below) and other information Home Lenders USA LLC ("Home Lenders USA", "us," "our," or "we") may collect from you, how we may collect it, with whom we may share it, as well as the choices you have regarding our collection of information and our use and disclosure of that information to other parties..
We may collect information through our website located at Homelendersusa.com, as well as other sites accessible via subdomains, mobile versions of any of our sites, and any other site on which we post this Policy (each a "Site" and, collectively, the "Sites"). Capitalized terms not otherwise defined here will have the same definitions as set forth in our Terms of Service.
If you do not agree to the practices disclosed in this Policy, please do not use our Sites
("Home Lenders USA LLC) operates homelendersusa.com and may operate other websites. It ("Home Lenders USA LLC)'s policy to respect your privacy regarding any information we may collect while operating our websites.
Website Visitors
Like most website operators, homelendersusa.com collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Home Lenders USA purpose in collecting non-personally identifying information is to better understand how Home Lenders USA's visitors use its website. From time to time, Home Lenders USA may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Home Lenders USA also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on homelendersusa.com. Home Lenders USA only discloses logged in user and commenters IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenters IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Home Lenders USA's websites choose to interact with Home Lenders USA in ways that require Home Lenders USA to gather personally-identifying information. The amount and type of information that Home Lenders USA gathers depends on the nature of the interaction. For example, we ask visitors who sign up at homelendersusa.com to provide a username and email address. Those who engage in transactions with Home Lenders USA are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Home Lenders USA collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Home Lenders USA. Home Lenders USA does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics
Home Lenders USA may collect statistics about the behavior of visitors to its websites. Home Lenders USA may display this information publicly or provide it to others. However, Home Lenders USA does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information
Home Lenders USA discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Home Lenders USA's behalf or to provide services available at Home Lenders USA's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Home Lenders USA's websites, you consent to the transfer of such information to them. Home Lenders USA will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Home Lenders USA discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Home Lenders USA believes in good faith that disclosure is reasonably necessary to protect the property or rights of Home Lenders USA, third parties or the public at large. If you are a registered user of an Home Lenders USA website and have supplied your email address, Home Lenders USA may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Home Lenders USA and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Home Lenders USA takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Business Transfers
If Home Lenders USA, or substantially all of its assets, were acquired, or in the unlikely event that Home Lenders USA goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Home Lenders USA may continue to use your personal information as set forth in this policy.
Ads
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Home Lenders USA and does not cover the use of cookies by any advertisers.
Privacy Policy Changes
Although most changes are likely to be minor, Home Lenders USA may change its Privacy Policy from time to time, and in Home Lenders USA's sole discretion. Home Lenders USA encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a homelendersusa.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
INFORMATION WE COLLECT
We may collect personal and other information about you when you use our Sites, as described below. "Personal Information" is information about identified or identifiable individuals, including (but not limited to) an individual's name, mailing address, email address, or phone number, whether used alone, or when combined with other personal or identifying information which is linked or linkable to that individual.
We typically collect Personal Information and other data from you, and use that information as set forth in this Policy or otherwise communicated to you from time to time (subject to your consent when required by applicable laws).
Newsletters, Inquiries and Emails
We may offer newsletters and/or other communications to share information with you about Home Lenders USA , our products and services, our independently owned and operated Home Lenders USA or our Affiliates, helpful guides and information relating to mortgages, real estate and other topics or offers in which we believe you may be interested. We may also provide you with information about us and our related entities, advertisers, sponsors, or other business partners through these newsletters and communications. When you sign up for a mailing list, we will collect Personal Information such as your name, email, and telephone number, as well as any other information on the signup form. You may receive this information from Home Lenders USA, our Affiliates, independent loan originators and or offices of Home Lenders USA or our Affiliates, or if appropriate, our advertisers or sponsors.
You may also inquire about or request certain information from a specific Home Lenders USA loan originator or office. If you inquire regarding a office or loan originator, or if you request information relating to a specific product/service offered by our independent loan originator or office, that independent loan originator or office may contact you regarding that or related products/services. In addition, if you indicate an interest regarding a specific product, service or franchise, you may automatically be placed on a list to receive email updates regarding that product, service or franchise (which may be sent by the independent office or loan originator).
With your consent, we may also provide you with SMS updates regarding our Sites, Home Lenders USA, our Affiliates, or our products and services. We may also provide you with the option to receive calls on your mobile phone regarding our products and services. If you opt-in during signup, you consent to receive such calls and messages. To revoke your consent, contact us via email or phone using the information provided below, or follow the instructions in the message you receive.
If you contact us through the Sites
You may contact us using the "contact" page with general questions about our Sites, the Home Lenders USA Franchising services and products, our business or other matters. If you do so, we will typically collect Personal Information from you, such as your name, email, and phone number, as well as other information you may choose to provide in the contact form. The Personal Information you provide through our Sites will be used primarily in the context of resolving your request or answering your inquiry, or to provide additional information related to that inquiry. We may also place you on our marketing list for information related to your inquiry or which we otherwise believe would be of interest to you, and we may otherwise use your information as described in this Policy.
When you register or sign up on our Sites
You may be able to register on our Sites in order to access and use certain services we may offer (whether on our behalf, or on behalf of our franchisees), access mortgage or brokerage-related resources, and for other features we may add from time to time. If you register on our Sites, we will collect Personal Information such as your name, email, address and any other Personal Information required on the registration form. If you wish, you may provide us your phone number. If you register, we may also collect additional Personal Information from you in the course of providing our services, for example, to enable account onboarding or other service offerings. We primarily use the Personal Information we collect during registration and as part of our services to provide your requested services, manage and correspond with you about your account, send you information and newsletters related to mortgages, brokers, properties, real estate markets, and/or other information we think may interest you, and for other matters described in this Policy.
Cookies, web beacons and other tracking technologies
Our Sites use cookies, which are small, commonly-used files that are transferred to your computer by us or a third party when you allow your browser to accept cookies. Similarly, we or our third party service providers/advertisers may also use "web beacons," "pixel tags" or other tracking technologies, which are typically small pieces of code placed on a web page to monitor behavior and collect certain data regarding the actions of our guests online. These cookies and other technologies may be used to track your online traffic patterns, to enhance your experience when using our Sites, to store information during your session, to personalize the Sites for you based on your preferences and selections, to target advertising or content to you (as described further below) and to collect information about you and your visit to our Sites for other marketing and business purposes. You can adjust your privacy preferences regarding the use of cookies and similar technologies through your browser. However, disabling cookies may impair your user experience and disable certain features of our Sites.
Data about your activities online may be collected for use in providing advertising tailored to your individual interests, either by us, our affiliates, or third parties. We may work with third parties such as network advertisers and ad exchanges to serve advertisements across the internet and may use third party analytics service providers to evaluate and provide us and/or third parties with information about the use of these ads on third party websites and viewing of ads and of our content.
We and these third-party vendors, including Google, may use third-party technologies (such as a Facebook Custom Audience Pixel) together with our own first party technologies in order to analyze ad impressions, your use of ad services, and interactions with these ad impressions and ad services. The information collected may also include information about your visits to our Sites, include the pages you have viewed and what content you have seen. These third-party tracking technologies may be set to, among other things: (a) help deliver advertisements to you that you might be interested in; (b) prevent you from seeing the same advertisements too many times; and (c) understand the effectiveness of the advertisements that have been delivered to you.
To learn more about cookies and similar tracking technologies, and how they can affect your privacy, visit allaboutcookies.org. To learn more about, or to opt-out of Google's analytic and marketing services, visit Google Analytics Terms of Use, the Google Privacy Policy, or Google Analytics Opt-out.
IP Addresses and Click-stream Data
Our Sites and servers may collect other information from you when you access our Sites, including your IP address and the pages you visited and content you viewed while on our Sites. The Information collected cannot typically be used to identify you personally. However, if you have registered on the Sites, it may be possible for us to link certain information to information that identifies you personally. Information collected through our Sites includes information sent to us automatically by your web browser, the address of the web page you were visiting when you accessed our Sites, information about your operating system, the browser you are using, the date and time of your visit, and online traffic patterns and content accessed throughout our Sites.
How we Use Information
We may use your Personal Information to:
- respond to inquiries or service requests and monitor such responses;
- provide information about and market our products or services or those of the Home Lenders USA Franchising franchise network of independently owned offices and their affiliated loan originators;
- provide information about Home Lenders USA Franchising and provide our services to independent offices and loan originators;
- resolve problems;
- manage the Sites and assess usage;
- append or link your Personal Information to any other information we or our Affiliates hold about you, or we obtain from third party customer analytics providers.
- enhance or personalize your experience using our Sites;
- inform you of offers or new features that we believe may be of interest to you;
- provide information or services you have requested;
- process or maintain your subscription to a newsletter or mailing list;
- facilitate various programs, promotions or contests in which you participate;
- target advertising or content, or for other advertising, promotional or marketing purposes;
- study the use and popularity of various areas of our Sites and to improve our Sites; and
- analyze general locations where our content is viewed (by reviewing IP addresses). We may also use such information for other purposes related to our business or that of our related entities, as well as for any other purpose described in this Policy or any other agreement you may enter with Home Lenders USA Franchising, or otherwise as we may disclose to you or to which you consent from time to time.
Anonymized Information.
We may share analyses of our server logs, traffic or information relating to customer leads, including details regarding usage of our Sites and general information about our audience, with current or potential advertisers or business partners. Such disclosures typically aggregate usage data from these analyses and other information not generally considered to be Personal Information.
Site Providers.
We may, without your consent, share Personal Information and other data with service providers who provide certain services on our behalf, or in the other circumstances noted below. For example, we may share certain Personal Information we collect with third parties such as providers of data hosting or processing services, payment processors, or other service providers. We also reserve the right to share any information we possess or data derived from it with service providers or others if such information has been reasonably de-identified.
Mergers & Acquisitions.
In addition, in the event that we go through a business transition, such as a merger, acquisition, liquidation or sale of all or a portion of our assets, Personal Information will, in most instances, be part of the assets transferred, or may be disclosed (subject to confidentiality restrictions) during the due diligence process. If such a transfer occurs, the acquiring company's use of your Personal Information will still be subject to this Policy and the privacy choices you have made.
Legal Disclosures.
Finally, we may, without your consent, access and disclose your Personal Information, any communications sent or received by you, and any other information that we may have about you as may be permitted or as we believe in good faith may be reasonably necessary to comply with any law, regulation, rule or court order; pursuant to subpoenas or other requests from governmental, regulatory or administrative agencies or law enforcement authorities; to respond to any claims, or to prevent, investigate, identify persons or organizations potentially involved in, or take any action regarding suspected fraud, violations of our Terms of Service, or activity that appears to us to be illegal or we believe may expose us to legal liability. Additionally, we may disclose Personal Information in situations that we believe to be emergencies involving potential threats to the physical safety of any person or property, if we believe that your information in any way relates to that threat.
Your Choices
It is possible for you to use most of our Sites without giving us any Personal Information. When you register with us or give us Personal Information, you may sometimes have an opportunity at the time we collect your information to limit e-mail communications from us or opt-out of receiving emails from third parties, or you can unsubscribe from email newsletters or similar communications by clicking on the unsubscribe link in every email. You may get more information or opt out of all information sharing with third parties for marketing purposes by contacting us at [email protected] or using the address or email below.
Information Security
We implement reasonable security measures to safeguard the Personal Information you provide us. However, please keep in mind that we are not liable for the actions of third parties to whom we may transfer your Personal Information in accordance with this Policy. Furthermore, please remember that "perfect security" does not exist on the Internet, and accordingly we cannot provide any guarantee that your Personal Information or any other information you provide us will remain secure.
Limitation of Liability
By providing us with any Personal Information, you expressly and unconditionally release and hold harmless Home Lenders USA Franchising, our Affiliates, and each of their related entities, parents, service providers, licensors, and its or their respective officers, directors, employees or agents (collectively the "Home Lenders USA Franchising Parties") from any and all liability for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information. In addition, while we take reasonable steps to prevent third party companies from making unauthorized use of your Personal Information, we cannot be held be held liable for any injuries, loss or damage of any kind arising from or in connection with the use and/or misuse of your collected Personal Information by those third parties.
UNDER NO CIRCUMSTANCES SHALL ANY HOME LENDERS USA FRANCHISING PARTIES BE LIABLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOST PROFITS OR LOST REVENUE) THAT RESULT FROM THE USE OF THE SERVICES, INFORMATION OR MATERIALS PROVIDED ON OR THROUGH THIS SITE, EVEN IF THE HOME LENDERS USA FRANCHISING PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
International Guests
At this time our Sites and the services we provide are intended for use solely by U.S. customers. If you are accessing our Sites from outside of the U.S., you consent to the transfer of your information to the U.S., and the processing, use, and sharing of your information in accordance with this Policy. Regardless of where your information is collected or transferred, the information will be treated in accordance with this Policy.
Contact Us
You may contact us with your questions or comments regarding this Policy or our Sites at:
Email: [email protected]