Collecting personal information
Personal information may be collected in a number of ways, such as when you visit the Website with your Internet browser or use the Service. In addition, Interactive Mortgage may ask you to provide certain personal information when filling out and submitting loan applications, registration forms or providing feedback to Interactive Mortgage. When submitting loan applications, registering to view your loan account history, or applying to receive or provide a transfer of funds pursuant to the Service, you may be asked to provide your social security number, a bank routing number, a bank account number, contact information, your name and other personal information (“Registration Information”). Also, you may post to the Website or transmit to Interactive Mortgage personal information, photographs, videos, and other content, such as to your social networking profile, through messaging functionality on the Website, or to a public bulletin board, blog, chat room or other forum on the Website. You may control with whom you share your profile information on the Website and you understand that if you choose to share your information, your profile may be generally available on the Website. However, if you are a current borrower, you may not control certain information that you have already agreed to provide to certain investors as described in your promissory note. All such content that you post to the Website is done at your own risk and Interactive Mortgage bears no responsibility for any such content or any liability for any claims arising out of such content. You should also be aware that any personal information you use on our blog can be used, read, or collected by other users of the blog and could be used to send you unsolicited messages. We are not responsible for personal information you choose to submit in the blog or any other area of the website.
When you use the Website, Interactive Mortgage may also collect certain information about your computer to facilitate and evaluate your use of the Website and the Service. For example, we may log environmental variables, such as browser type, operating system, referring or exit web pages, and the Internet Protocol (IP) address of your computer. We may on occasion supplement the personal information you submit to us with information from third-party sources. For example, if permitted under applicable law, we may supplement your Registration Information with address standardization data to verify the address you have entered is actually your address.
We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.
Use of personal information
In general, we use personal information to provide you with information or services you request, to inform you about other information and services we think will be of interest to you, to facilitate your use and our administration and operation of the Website and the Service, to learn more about and improve the Website and the Service, and for the purpose for which the information was provided.
Sharing your personal information
We only share your personal information with unaffiliated third parties as permitted or required by law. When we share your personal information with vendors and service providers who perform functions on our behalf, we require that they keep your information confidential and secure, and that they use it only as is reasonably necessary to carry out their work or comply with applicable law. We may share your personal information with affiliates and as part of joint marketing campaigns with other financial companies. In addition, personal information may be disclosed or transferred to our affiliates and as part of, or during negotiations of, a merger, consolidation, sale of company assets or equity, financing, acquisition, strategic alliance or in any other situation where personal information may be transferred as one of the business assets of Interactive Mortgage.
Protecting your personal information
We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We also protect personal information that you provide online in connection with registering yourself as a user of the Website or of the Service or use the Service in several ways. Access by you to such personal information is available through a password and unique customer ID selected by you. This password is encrypted. To protect the confidentiality of such personal information, you should not divulge your password to anyone. You are responsible for all uses of the Website and Service by any person using your customer ID and password. Please advise us immediately if you believe your password has been compromised. In addition, your personal information resides on servers or in areas of facilities that only selected Interactive Mortgage personnel and contractors have access to. Interactive Mortgage encrypts all data that you submit to Interactive Mortgage through the Website, and thereby attempts to prevent unauthorized parties from viewing such information during transmission to Interactive Mortgage. Please note that any information you submit by email may not be secure, so please do not send any sensitive information or materials in or attached to any email to Interactive Mortgage. Interactive Mortgage will never request that you submit sensitive information over email; please report any such requests purporting to originate from Interactive Mortgage to us.
Please note that any information, photos, contact information, email addresses, videos, and other content you post to your social networking profile or to any public bulletin board, blog, chat room or other forum is available to all persons accessing that location. The information you share would then be available to all persons accessing these venues, and such information may be read, collected or used by others for any purpose, including sending you unsolicited messages. Interactive Mortgage is not responsible for any information you elect to submit in these venues or the use of such information.
Your choices regarding your personal information
You can access all of your personal and personally identifiable information that we collect online and maintain by logging in to your account and going to “My Profile”. This section of the site is password-protected to better safeguard your information. As a registered user, you can update your password, physical address, phone numbers, education and employment information at any time on the website, and if you need to change any other information in your profile, you can contact us at (888) 871-660.
Most browsers are initially set to accept cookies and similar devices. You can set your browser to notify you when you receive a cookie or similar device, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies or similar devices will probably not be able to access those pages or the related products and services.)
How We Respond to Do Not Track Signals
We do not respond to “do not track” signals or similar mechanisms where a visitor to Interactive Mortgage’s websites requests that we disable the collection of information about the visitor’s online activities, including navigation around the Website and the Service. We may also permit third parties to collect information on the Website, and they may also not respond to “do not track” signals.
Information from Advertisements on Other Websites
We place and track advertisements on third-party websites. Like many advertisers, we advertise our products and services, and we contract with third parties to place advertisements, on websites not affiliated with us where we think the advertisements are likely to be most relevant. These advertisements may contain cookies or other mechanisms that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies, web beacons, and other similar technology, which may be used to collect and store information about user visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site. No personally identifiable information is stored during this process.
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