WHAT INFORMATION WE COLLECT Contact information, purchasing preferences and other information you provide to us or that we obtain from real estate agents and professional, publicly available databases; and joint marketing partners and event sponsors; Financial information and billing information associated with a transaction including Social Security Number, credit information and banking information; Agent ID, and/or the name of the company or organization on behalf of which you are authorized to use the Platform (if applicable) may personally identify you; Transactional Information. We may also create transactional records of each of the transactions or other events (i) to enable our services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable us to comply with various legal obligations; and Device and Usage Information. Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), location, time zone setting, the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website. We will treat this information as “Personally Identifiable Information.” Additionally, we will treat any non-publically available information collected in connection with providing a financial product or service such as a mortgage loan as Nonpublic Personal Information (“NPI”). Other data derived from your use of the Platform is treated as “Non-Personally Identifiable Information,” unless it is combined with Personally Identifiable Information, or unless otherwise required by applicable law. We will treat as Personally Identifiable Information any Non-Personally Identifiable Information that is combined with Personally Identifiable Information.
HOW WE COLLECT INFORMATION Information You Provide to Us We collect and store information that you provide directly to us, including when you request an offer, register for an account, provide us your location, upload or otherwise submit photos, make an offer, update your e-mail preferences, respond to a survey or provide other feedback about the Platform or contact us with questions or comments. We may also collect information about you when you request to receive text messages from us (for example, when you sign up for instant access to your chosen properties). You may opt in to receive such updates and offers by providing your mobile telephone number through the Platform. We will not ask for or request sensitive information such as government identifiers, medical information, or financial information, except in connection with requests for offers or purchase or sale transactions. Please do not provide this type of information to us unless specifically requested. Using our Platform We also collect and store certain technical information when you access, browse and use our Platform. This technical information helps us operate and provide our Platform to you, and includes standard information about interactions and system capabilities. We also may collect information using cookies and web beacons. Information We Collect Via Text Data obtained through the short code program will not be shared with any third-parties for their marketing reasons or purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Other Collection of Information We may supplement the technical information we collect from you with information collected by third parties. Such third parties may include service providers or advertising partners that help us understand the users who access and use our Platform and services and provide better services to those users. To the extent that access to the Platform is made available by any of our partners or affiliates through its/their owned or operated website(s), the applicable partner or affiliate may share information with us that they have collected from or about you in connection with such access. On occasion, we may combine or compare data from other third-party sources with information that you have, or your company (if applicable) has, provided, or that we have otherwise collected. This may include demographic and navigation data, credit check information and additional information about you from a credit bureau, as permitted by law. We may also collect and compile contact information from other sources in order to contact you if we think you, or the company you represent (if applicable), would be interested in our Platform or services. Third parties that are unaffiliated with us may also collect information about you, including tracking your browsing history, when you use our Platform. Such third parties may collect information about your online activities over time and across different websites or online services. We do not have control over these third-party collection practices and advise you to adjust the settings of your browsers or install plug-ins and add-ins if you wish to minimize these third-party collections.
HOW INFORMATION MAY BE USED We may use any information that we collect in order to: enable you to submit requests for offers, make offers, and use our other related services; process real estate transactions and mortgage loan transactions; operate our Platform and provide services to our users, including for payment processing, Platform administration, internal operations, troubleshooting, data analysis, testing, research, statistical and survey purposes; manage access to our Platform; send you information that helps you to use our Platform; provide you access to, and updates regarding, particular properties and other offers via text message; contact you directly about offer requests, offers, or sale or purchase transactions; create reports for our affiliates, licensors and service providers that may include aggregate information about use of various aspects of the Platform; comply with laws and regulations; carry out our obligations and enforce our rights arising from any contracts entered into between you and us; notify you about changes to our Platform; protect the integrity and maintain the security of our Platform, including secured areas of the Platform; in any other way that we describe when you provide the information; and for any other purpose for which you may provide consent. In addition to the uses listed above, we may use your information, including Personally Identifiable Information, in order to: respond to your requests for offers, feedback or questions (by telephone, text or email); serve or otherwise deliver relevant advertising and information about products or services offered by us, our affiliates, our advertising partners, or other third parties; and send you e-mails about updates, information, or alerts regarding our Platform. In addition, we may use your information as described in any notice provided at the time you provide the information, and for any other purpose for which you may provide consent. We may use technical information and Non-Personally Identifiable Information to: evaluate and improve our Platform and present content in the best way for you and for your device(s); measure the effectiveness of the advertising we serve or otherwise deliver. We may also combine technical information or non-Personally Identifiable Information about your use of our Platform and services with similar information that we obtain from other users to use in an aggregate or anonymous manner for similar purposes.
We do not share your information with third parties for marketing or promotional purposes.
We do not share your information with third parties for marketing or promotional purposes.
You may use the tools available on your computer or other device to set your browser to refuse or disable all or some browser cookies, or to alert you when cookies are being set. However, if you refuse or disable all browser cookies, you may be unable to access certain parts or use certain features or functionality of our Platform.
You may choose whether to activate automatic recognition when you register for an account. After registration, you may disable the persistent cookie that supports recognition using the tools in your browser. If you choose to disable the cookies that support automatic recognition, you will need to re-enter your e-mail and password each time you access a gated portion of the Platform.
Unless you have adjusted your browser settings so that it refuses all cookies, we may issue cookies when you direct your browser to use our Platform.
To learn more about cookies, you can visit http://www.allaboutcookies.org. Flash Cookies. Certain features of our Platform may use local stored objects called flash cookies to collect and store information about your preferences and navigation to, from and on our Platform. We also include cookies in our third-party hosted video players to count the number of unique viewers who see a video and to provide aggregate reporting. The cookies do not identify you as an individual or track your online behavior. We do not collect Personally Identifiable Information from flash cookies and we will not associate them with your Personally Identifiable Information.
YOUR CHOICES We offer you certain choices in connection with the information we collect from you.
E-mail Communications You may have the opportunity to receive certain communications from us related to our Platform. If you provide us with your e-mail address in order to receive communications, you can opt out of marketing e-mails at any time by following the instructions at the bottom of our e-mails and adjusting your e-mail preferences. Please note that certain e-mails may be necessary for the operation of our Platform. You will continue to receive these e-mails, if appropriate, even if you unsubscribe from our optional communications.
Cookies/Beacons If you wish to minimize information collected by cookie or beacon, you can adjust the settings of your browsers to notify you when you receive a cookie, which lets you choose whether or not to accept it. You can also set your browser to automatically reject any cookies. You may also be able to install plug-ins and add-ins that serve similar functions. However, please be aware that some features and services on our Platform may not work properly if we are not able to recognize and associate you with your account. In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.
Network Advertising Initiative Certain websites you visit may provide options regarding advertisements you receive. If you wish to minimize the amount of targeted advertising you receive, you can opt out of certain network advertising programs through the Network Advertising Initiative (NAI) Opt–Out Page. Please note that even if you choose to remove your information (opt out) you will still see advertisements while you're browsing online. However the advertisements you see may be less relevant to you. For more information or to opt out of certain online behavioral advertising, please visit http://www.aboutads.info. Additionally, many advertising network programs allow you to view and manage the interest categories that they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt–Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.
Do Not Track Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. Our Platform does not currently change the way they operate based upon detection of a Do Not Track or similar signal. Please note that we cannot control how third-party websites or online services you visit through our Platform respond to Do Not Track signals. Check the privacy policies of those third parties for information on their privacy practices. You may opt out of direct telemarketing contacts by requesting us to remove you from our direct telemarking list. Please note that opting out from our direct telemarketing contacts does not limit us from contacting you for other purposes, including those contacts that are reasonably necessary to provide you with our Platform. If you decide to opt out of our direct telemarketing contacts, allow a reasonable time for us to process your request and do not hesitate to contact us at email@example.com if you encounter any problems with your request. The FTC also maintains a National Do Not Call Registry at http://www.donotcall.gov/register/reg.aspx. By registering your number with the FTC may also limit our direct marketing contacts to that number.
Text Alerts You may have the opportunity to receive certain information, updates and/or offers from us via text communications. If you provide us with your mobile number in order to receive such communications, you can opt out of receiving text messages at any time by texting STOP.
Updating or Deleting Information We value the accuracy of the information we have about you. To review or correct your Personally Identifiable Information, please contact us at firstname.lastname@example.org.
SECURING YOUR INFORMATION The security of your information is important to JA Buys Houses, and we have established administrative, technical and physical safeguards designed to protect Personally Identifiable Information against loss, alteration, unauthorized access, theft, misuse or disclosure. Unfortunately, no system can guarantee complete security of your information. As a result, JA Buys Houses cannot ensure or warrant your information, including your Personally Identifiable Information, is completely secure from unauthorized third parties. Thus, your use of the Platform and communication with us is at your own risk. You are responsible for protecting your password and for the security of information that you transmit to us over the internet. If you have reason to believe that your interaction with the Platform is no longer secure (for example, if you feel that the security of your username or password has been compromised), you must immediately notify us of the problem by contacting us.
CHILDREN Our Platform is directed to and is intended for use by persons who are 18 years of age or older. We do not knowingly collect information from children under 18. If you are under 18 years of age, you are not permitted to submit any personally identifiable information to us, including your name, address or e-mail address. If we discover that we have collected any personally identifiable information from a child under the age of 18, we will remove that information from our database as soon as possible. By submitting any personally identifiable information to us, you represent and warrant that you are 18 years of age or older.