Date last revised: January 2024
Privacy Policy
BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.
This Privacy Policy discloses the privacy practices of this website operated by Capital Home Finance and its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “Company”) and governs the collection, sharing, and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).
**Information We Collect To Provide Services**
We have created this Privacy Policy to inform you about the information we collect, how we use and share this information, and our privacy practices. Questions we may ask on our site are used to determine which network partners and products and/or services best match your requests. In order to match you with the best network partner or product for your needs, we may ask for general information like your name, information regarding your lifestyle, any current products or policies you may have in place, and your contact information. As part of our service, we may provide additional information related to other products and services that we believe might be of interest to you.
Before you submit information on our site, you consent to share your information with third parties so that they may contact you through email, SMS, telephone, and/or direct mail. You agree to receive autodialed or prerecorded calls, texts, and emails from us and any affiliates or third parties to the phone numbers and email addresses you have provided.
The information which you have provided will be shared and/or purchased by our network of partners in order to fulfill your request. Our network partners include but are not limited to: insurance professionals, home services professionals, lenders, mortgage bankers, mortgage brokers, credit consultants, real estate professionals, or any other business in our network that may be related to the service or product you have expressed interest in. Multiple businesses may contact you so that you are able to compare different companies, services, and/or products before making any purchases.
The categories of information we collect are as follows:
**Personal Information**: This information can be used to identify you. Most of this information is provided by you on this site in order to process your request. The information may include your first and last name, address, telephone numbers, mobile numbers, email address, employment status or self-employment or other unique information about you which you provide to us on this site, or through the course of communicating with us about the products and services provided on this site.
**Behavioral Information**: This is information which is automatically collected when you use the site. If we can identify through this information, it is Personal Information. This information includes the areas of the site that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited.
**Demographic Information**: This is information that refers to selected population characteristics. Such as zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information.
**Third Party Information**: We may collect this information from a third party which could include personal, demographic, behavioral, and indirect information. This collection may include, but is not limited to, first-party cookies, third-party cookies, anonymous cookies, persistent identifiers, email opt-in, and search engine keywords. We have no access or control over these cookies and other tracking devices used or owned by third-party advertisers and networks and governed under their policies, therefore, we have no responsibility or liability for the policies and practices of these parties.
**Web Technology Information**: This is information we or third parties we contract for these functions will automatically collect from you when you visit our site by tracking and recording your activities on the site pages. We use two third-party services to independently document users’ consent to be contacted. Active Prospect’s TrustedForm Script is used and is embedded on this website which collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including the IP address of the user’s computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user’s browser. For more information about ActiveProspect’s data use and collection policies and practices, please visit ActiveProspect. We also utilize Jornaya’s LeadiD script which is embedded on this website and also collects information such as browser type,
Internet Service Provider (ISP), referring/exit pages, platform type, date/time stamp, IP address, number of clicks and tracks users’ movements around the site that includes visual snapshots of the site activity. To review Jornaya’s data use and collection policies and practices, please visit Jornaya. The information collected from this technology is combined with other aggregate data to issue a unique identifier for that site visit.
**CALIFORNIA RESIDENTS – California Privacy Rights**: The California Consumer Protection Act has granted specific rights and remedies. For your California Privacy Rights and Remedies please click here. If you are a California resident please note we do not respond to do not track signals or cookies.
**Technology Used**
Most websites, including this site, will allow third parties and advertisers to place and use tracking technologies. This includes but is not limited to the use of cookies, web beacons, and JavaScript.
These technologies we or third parties implement will track, record and collect internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or mouse and clickstream data about your interactions on the site. We may receive or request reports based on these technologies on an individual or aggregated basis for legal analysis purposes.
**Google Analytics Advertising**: This service includes: Remarketing with Google Analytics; Google Display Network Impression Reporting; DoubleClick Campaign Manager integration; Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please click here.
**Google Analytics**: Google analytics services utilize the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service here.
**Web Beacons** (i.e., single-pixel gifs, clear gifs, or action tags): Collects information about your visit to this site to measure and improve the effectiveness of any marketing and track delivery of marketing and other communication methods. Web Beacons collect only a limited set of information like a cookie number, time and date the page was viewed, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages. This allows us to determine if you opened or engaged with the email messages. Web Beacons may be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
**JavaScript**: This is a computer language that enhances the functionality of web properties, specifically with respect to pictures. It is also used to track, record and analyze user movements throughout the website. We use it to provide proof of legal compliance, analyze and improve our site’s functions. You may deactivate JavaScript through your browser settings or activate it the same way.
**Cookies** are small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer. Cookies allow us to identify files on your computer and record your preferences and other data about your visit to our website so that when you return to the website we are able to identify you and can personalize repeat visits. When cookies settings are disabled or changed you may experience site or service features that do not function properly. You may control these permissions by modifying your browser preferences to reject all cookies.
This site may also include social media features which use cookies. These features may collect your IP address, the web properties you engage with, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our web properties. Your interactions with these features are governed by the privacy policy of the company providing it.
We allow third-party vendors and advertisers to set their own cookies on and through this site. We do not control the practices of those third parties and we are not responsible for their technology or tracking. It is important to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. which connects the activity on this site with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please click here.
We may collect and use and share the above data with a third party for cross-device advertising purposes. This allows you to experience a personalized, informative advertisement that targets specific product interests over multiple devices. We may implement this to identify and track consumers across devices through identifying characteristics such as a consumer login account to connect data across different devices.
We may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. You may opt-out of push notifications or alerts through your browser settings.
**How We Use & Share Information**
Any personal information that you provided is used to
match you with network partners who offer the products you expressed interested in, therefore; we will share your information with multiple businesses who offer the product/service that you have inquired about.
We share your personal information with third parties who will provide you with their opportunities, products, or services. This includes your interests and preferences, so they may determine whether you might be interested in their products or services.
We share your personal information with companies and individuals we employ to perform technical functions on our behalf. For example, third parties who host our site, analyze our data, provide marketing assistance, certify submitted forms, process credit card payments, and customer service.
Third-party tracking services such as ActiveProspect and Jornaya are used to certify submitted forms will track and record user engagement on the site. These technical functions record your actions on the website and store the same for future retrieval to undertake internal audits to test consumer disclosure placement and to provide proof of consent and permission when required under applicable Federal and State laws and regulations.
We will share your information in order to process Opt-Out requests with affiliated partners and/or third parties in order to process and monitor these requests.
We may share aggregated anonymous information about you, which may be combined with other persons using our site with third parties, so that they can understand the variety of visitors that come to our site, and how those visitors use our site.
We may disclose your information to manage and protect our information technology infrastructure and security.
Your information will be purchased by third parties/vendors and affiliated companies in order to provide these services. This allows you to compare different businesses, products, and services prior to making any purchase. Some third parties include companies who provide business services to us or on our behalf, such as to monitor Services activities, market products or services to you, help to maintain our customer database, and administer e-mails, surveys or other contests.
We will disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to stay legally compliant or prevent a crime; or we share your information if we sell our company or merge with another company.
**Third Parties**
We may allow third parties to place ads on our site to market offers that may be of interest to you. When you are on the site ad server companies may collect information such as your domain type, your IP address, and clickstream information. For further information, consult the privacy policies of the companies representing the ads or click here.
If you wish to limit the collection of information by us or third-party partners to provide you with marketing based upon your website browsing activities and interests, you may click here to opt out.
Third parties may provide certain features on this site or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here.
To opt out of targeted advertising on your mobile device, iOS users can visit: https://support.apple.com/en-us/HT205223 to learn how to limit ad tracking and Android users can click here to learn how to opt out of interest-based ads.
Please note that opting out of interest-based/targeted advertising will not limit all advertising.
This site and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products, or services available on these third party websites. The inclusion of a link on our site does not imply any endorsement of the services, products or website, or its sponsoring organization.
**Do-Not-Track** is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not currently respond to Do-Not-Track signals.
**Third Party Privacy Policies**
Other sites or services, such as those sites we provide links to, sites or services you may have clicked-on that directed you to the Services, or sites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use, and disclosure practices. If you visit any such site, we encourage you to review that site or service’s privacy policy. This Privacy Policy only addresses the privacy practices by the Company. We are not responsible for the policies or practices of third parties.
**Securing Your Information**
We use commercially reasonable security measures to protect your information.
Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. This allows that information to transmit securely encoded.
Although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be secure. We cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. Please
do not communicate any information to us through unsecured channels.
We contractually require that third parties handle your information similar to our practices; however, we cannot guarantee third-party policies and suggest reviewing those policies as well.
**Unsubscribe, Opt-Out or Revoke**
You may revoke consent at any time for any use of information collected from you under this Privacy Policy. To revoke consent, indicate by emailing us at, [email protected] with the word “revoke Personal Information” in the subject line.
To opt-out of receiving SMS or email communications from us, you may follow the instructions in our SMS or emails, or by emailing us at [email protected].
To opt-out from communications sent by third parties, please follow the instructions to opt-out in those entities’ communications.
Data collected may be sold or transferred to our third parties in real-time; if you unsubscribe, opt-out, or revoke consent, your information may have already been sent to our third parties. We cannot revoke your information from a third party if it has already been sent. When required, we will contact third parties of your request and we will always remove your information from our internal programs so further communications from us will cease.
**Privacy Policies of Third Parties**
Third-party websites or services, such as those websites we provide links to, websites, or services you may have clicked-on that directed you to this site, or websites that may be accessible to you through this site, have their own privacy policies regarding data collection, use, and disclosure practices. If you visit any such website, we encourage you to review that third party’s privacy policy.
**Children’s Online Privacy Protection Act**
This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of 13 to use our service. However, if you become aware of the existence of a user who is under the age of 13, or that an individual under 13 has provided their information to us, contact us immediately with details at [email protected].
If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.
**Revising This Privacy Policy**
We suggest you frequently check this page for any changes to stay informed about how we are collecting, using, and sharing your information. We may change this Privacy Policy at any time. When this policy has changed, we will revise the updated date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the site. Continued use of this site after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.
**Contact Information**
For questions or comments regarding this policy, to report any abuse of personal information collected under this policy, please email us at: [email protected] or write to us with your specific instructions at: Capital Home Finance – Attention: Consumer Services, 5098 Foothills Blvd ste 3-263 Roseville, CA 95747