Effective Date: 7/18/2020
Information Collection and Use
If you wish to apply for a loan, get pre-approved or obtain mortgage information from us we will collect certain personal information from you. The types of information we collect are name and email address so that you may register. Once you have registered and began the process of applying for a loan we will ask for additional information such as address, social security number, date of birth, marital status, and number of dependents. We will also ask for the property location, employment information such as positions, and earnings, assets you may have and types of bank accounts, housing expenses and your current income, and any declarations. Once you have submitted your request you will be contacted by one of our loan officers to complete the process.
We collect the following personal information from you about your contacts or friends:
- First and last name
- Email address
- Mailing address
- Phone number
We use this information to contact you about the services on our site in which you have expressed interest and to determine whether or not you are eligible for a loan, for what amount and to allow you to view your pending loans, recent loans, and pay off amounts.
We will send you service-related announcements on rare occasions when it is necessary to do so. For instance, if your service is temporarily suspended for maintenance, we might send you an email.
Based upon the personal information you provide us, we will send you a welcoming email to verify your email address and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account.
In order to provide certain services to you, such as providing loans, we may on occasion supplement the personal and sensitive information you submitted to us with information from third parties. To determine if you qualify for a loan, we use your name and social security number to request a credit report. Once we determine your credit-worthiness, we destroy this document.
Information Related to Data Collected for our Clients
BeSmartee collects information under the direction of its Clients, and has no direct relationship with the individuals whose personal data it processes.
We collect information for our clients, if you are a customer of one of our Clients and would no longer like to be contacted by one of our Clients that use our service, please contact the client that you interact with directly. If you are a Client and would like to update your account please contact us at firstname.lastname@example.org.
BeSmartee may transfer personal information to companies that help us provide our service. Transfers to subsequent third parties are covered by the provisions in this Policy regarding notice and choice and the service agreements with our Clients.
BeSmartee has no direct relationship with the individuals whose personal data it processes. An individual who seeks access, who seeks to correct, amend, delete inaccurate data or withdraw consent to further contact should direct his/her query to the BeSmartee’s Client (the data controller). If the Client requests BeSmartee to remove the data, we will respond to their request within 30 days.
BeSmartee will retain personal data we process on behalf of our Clients for as long as needed to provide services to our Client. BeSmartee will retain and use this personal information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Information Sharing and Disclosure
In certain situations, BeSmartee may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
- We may provide your personal information to companies that provide services to help us with our business activities such as processing your paperwork, sending out emails on our behalf or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.
- We may also disclosure your personal information as required by law, such as to comply with a subpoena, or similar legal process
- When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
- If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
As true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
Cookies and Other Tracking Technologies
Technologies such as: cookies, or similar technologies are used by BeSmartee and our customers analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
Local Storage (HTML5)
We use local shared objects such as HTML5, to store your preferences such as volume control or high game score, or display content based upon what you view on our site to personalize your visit. Third Parties, with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity, use HTML5 to collect and store information.
Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that collects personal information.
We currently do not provide your personal information to RackSpace. They only maintain, host and manage our servers.
Social Media Widgets
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at email@example.com.
Access to Personal Information
Upon request, BeSmartee will provide you with information about whether we hold, or process on behalf of a third party, any of your personal information. To request this information please contact us at firstname.lastname@example.org.
If your personal information changes, or if you no longer desire our service, you may correct, delete inaccuracies, update, or amend it by making the change within the “My Account” section of the site or by emailing us at email@example.com. We will respond to your access request within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer user your information to provide you services contact us at the email address listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
When you enter personal information or sensitive information (such as a social security number or login information ) on our site or application forms, we encrypt the transmission of that information using secure socket layer technology (SSL). If you have any questions about the security of your personal information, you can contact us at firstname.lastname@example.org.
5252 Argosy Avenue, 2nd Floor
Huntington Beach, CA 92649
Attn: Legal Department