Effective as of June 15th, 2020
Kwik Mortgage Corporation created this privacy statement to demonstrate our ongoing commitment to your consumer privacy since our establishment in 1998.
What personal information is being collected?
The following information may be collected when you use this website: – the date and time of your visit to the website; -the pages you accessed and the documents downloaded; -the previous website you visited;-your server address; and the type of browser you are using. The information is collected for statistical purposes and to improve the navigation features of the website. Where permitted by applicable law, third parties may be used from time to time to collect the above listed information and information on your online activities. Moreover, this website may ask for specific personal information in order to respond to requests for information or to register users for services. This can include but may not be limited to:
Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
Examples of information relating to your transactions include payment histories, account balances and account activity.
Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
Examples of information provided by employers and others include verifications of employment, income or deposits.
Cookies and Usage Reports
By placing a small file known as a “cookie” on your computer (or other device), Kwik and our third-party service providers’ servers passively gather information about all visitors’ use of the System for several reasons, including but not limited to the following: system optimization, analytics, statistics collection and analysis, market research, maintenance of log-in credentials, and market research. The information that we and our third-party service providers track with cookies include but is not limited to, the type of browser and Internet-connected devices being utilized to access the system, your Internet protocol (“IP”) address, your home domain or Internet service provider, your referrer URL (which is the URL for the website you were viewing prior to visiting the System), how you were directed to the System, which specific pages you access on the System, how long you view each page, the time and date you access our System, and the total number of visitors to the System and any portions thereof. Kwik and our third-party service providers may use the information collected from cookies or similar files on your computer for security purposes (such as authentication), to facilitate site navigation and to personalize your experience while visiting the System. This data helps Kwik and our third-party service provides improve overall product experiences.
Most popular Internet browser applications will allow you to configure the browser to block cookies. Setting your browser to reject cookies, however, may prevent you from taking full advantage of the System capabilities, or cause select System features to function improperly.
Third-party Service Providers and Web Beacons
Our websites may use third-party services such as Facebook Pixels, Google Analytics, and similar web analytics services.
The below list details the cookies used in our website.
|Adroll||The Adroll tracking cookie allows HomeLend to serve relevant ads to site visitors.|
|The Facebook pixel allows HomeLend to serve relevant ads to site visitors.|
|Google allows HomeLend which helps us measure and analyze our site traffic, as well as serve site visitors relevant ads across the Google Advertising Network.|
|HubSpot||Hubspot helps HomeLend send, track and measure digital marketing materials.|
How can I control the cookie preferences ?
Online Account Management
If you elected to subscribe to any online services provided via the System, including the ability to access any password-protected areas of the System, you will be required to submit personal information (including some Collected Information) for the purpose of identity verification and your authority to manage the account. This Collected Information will be used exclusively by us, our agents, suppliers, and third-party service providers for internal use and to respond to your service requests.
How We Use the Information That We Collect
1. You expressly authorize us to do so;
2. It is necessary to allow our service providers, agents, or other third parties to provide products or services for or to us;
3. It is necessary in order to provide the System or the Services;
4. Subject to applicable legal restrictions, we are sending you other information that may be useful to you;
5. Subject to applicable contractual or legal restrictions, it is disclosed to entities that perform marketing services on our behalf.
6. It is necessary to protect the confidentiality or security of your records;
7. It is necessary in connection with other business purposes, including, without limitation, verifying identity, age, or payment details; investigating complaints about the System; risk assessment, security, fraud and crime prevention or detection; monitoring, research and analysis; marketing customer purchasing preferences, and trends; and dispute resolution;
8. It is necessary to comply with law enforcement, governmental mandate, or other legal requirement, if appropriate, for your protection or in connection with an investigation or prosecution of possible unlawful activity;
9. Subject to applicable contractual or legal restrictions, it is necessary in connection with a sale of all or substantially all of the assets of the company or the merger of the company into another entity, or any consolidation, share exchange, combination, reorganization, or like transaction in which our company is not the survivor; or
10. It is otherwise necessary for us to disclose it as required or permitted by law.
With Whom We Share the Information that We Collect
Promotions and Surveys
On the System, you may wish to participate in certain online polls, surveys and other promotions that may be offered from time to time by us, a business partner, or other entity through which you are using the System. Participation in these polls, surveys and promotions is completely voluntary; you have a choice whether to disclose information required to enter. Information requested may include Collected Information such as your name, address, date of birth, phone number, mobile phone number, e-mail address, username, etc. Through these online polls, surveys and promotions, you may choose to participate in activities such as sharing information with others and sending email invitations. In connection with any online polls, surveys and other promotions that may be offered from time to time via the System by us, we use the information you provide to administer the polls, surveys and other promotions. Subject to applicable contractual or legal restrictions, we also may use the information to communicate with you, or the other people you select, about our services or products.
Your Choices Regarding our Privacy Practices
When submitting information, corresponding, making requests for information, and otherwise interacting with us and our representatives though or in connection with the System, including by utilizing the Services, you choose what information to supply or submit, whether you wish to receive further information, and how you may be contacted. Please take care to share only such information as is needed or that you believe is appropriate. Any promotional email we send to you will contain a link which permits you to opt-out of receiving any further correspondence.
How We Protect Information Collected About You
We take commercially reasonable measures to secure and protect information transmitted via or stored on the System. Nevertheless, no security system is impenetrable. We cannot guarantee that that users of the System may happen to transmit or otherwise supply will be totally secure.
Any information, communications, or materials of any type or nature that you submit to the System by e-mail, posting, messaging, uploading, or otherwise (collectively, a “Submission”) is done at your own risk and without any expectation of privacy. We cannot control the actions of other users of the System and we are therefore not responsible for any Submissions contained on a Website.
Social Media Platforms and Websites
Right to Verify the Accuracy of Information We Collect
Keeping information accurate and up to date is critical. An individual may see and correct their personal information that they provided to us, subject to certain legal or contractual limitations. Contact us as described below if you wish to verify your personal information.
Information Collected from Children
The System is intended for a general audience and is not intended for use or view by children under thirteen (13) years of age. We do not knowingly collect information about children or sell products to children. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13. If you are under the age of 13, you are not permitted to submit information to the Site. All information submitted through our websites must be submitted by the parents or legal guardians of the children to whom any such information relates.
Visiting the System from Outside the United States
Do Not Track Requests
For Additional Information
Kwik Mortgage Corporation
949 Route 46, Suite 401
Parsippany, NJ 07054
You may use you an authorized agent to submit a request to know or request to delete. If you use an authorized agent to submit a request to know or a request to delete, you must provide the Company with written permission from you giving the authorized agent permission to submit the request on your behalf, and you may be required to verify the authorized agent’s identify with the Company. The Company may deny a request from an agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
Do Not Track Policy
We do not currently change how our website operates when a receiving a Do Not Track request from a visitor’s web browser. We only collect personally identifiable information when you proactively furnish it to us, but it will remain possible to submit information when utilizing the Do-Not-Track option.
How to Submit a Verifiable Consumer Request to Know, Delete, or Opt-Out
For a request to be acknowledged, you may call our toll-free number at (908) 769-5151 or email email@example.com. Upon submission, we will verify your identity by matching the identifying information furnished by you to the personal information already maintained by us, or in cases where your request requires a higher degree of certainty, we can may use a third party verification service or request photo identification. Any information you provide that is not already in our system will be deleted after fulfillment request.
Policy Updates and Effective Date
If we make updates to this Policy, we will update the Policy with the changes and revise the “date of most recent update” posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. Your use of the Site following the update to the Policy means that you accept the updated Policy.