1. What Information We Collect
Please note that demographic information is anonymous information, which may include your age, date of birth, income, gender, geographic area, hobbies or interests. Demographic information is not considered personal information, unless it is linked with your other personal information, which we may do for a variety of reasons such as customizing content or Services according to your interests and preferences or verifying your identity. Personal information does not include aggregate information, which is data we collect about a user's use of the Website or Service, from which personal information has been removed. Aggregate data is used for a number of reasons, such as helping us understand trends and user needs so we can improve our products and services.
Personal information may be reviewed and edited at any time by logging into our website using the email address and password you provided to create an account (see Section 2 of this Policy). Information, such as, but limited to, Social Security number, date of birth, address, and phone number may be verified by third parties to assist in the prevention of identity theft, consumer identification and verification. Information that has been made anonymous so that it does not identify a specific user is not considered personal information. Federal and state laws allow you to restrict the sharing of your personal information in certain instances such as sharing your information so that third parties can market to you.
This Website is a general audience site and we do not knowingly collect personal information from children under the age of 13. 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 this data from our system. For more information about the Children's Online Privacy Protection Act (COPPA), view the FTC website at www.ftc.gov.
2. User Access
You may always edit, modify, alter or change your user information. You may do so by logging in using the email address and password that you provided to create the account and making such changes to your profile on the Website. Log in, go to your dashboard, click on "My Profile" and change the appropriate fields. When you are done, hit "update" at the bottom. You may always contact us if you need additional help changing any of your information; e-mail our customer support at firstname.lastname@example.org or contact us by post mail at the contact information listed below. We will respond to any such requests within a reasonable time.
3. How We Collect Personal Information
Your personal information may be collected in various ways, such as when you use our Website with your Internet browser or use any of the functions of the Service. In addition, in order to start a prequalification, or an application thereafter, for a loan or to obtain a rate projection or rate quote or use any function of the Website or Services, MoFin may ask you to provide certain personal information when filling out and submitting any form, registration, sign-up, or application. We collect this information about you when you fill out an application, register as a user or create any type of account on the Website, use the Website for any purpose and for any transactions conducted on the Website. We may also collect personal information if you e-mail us or apply for a job with MoFin. Please note, any and all content that you post or upload directly or indirectly, or otherwise effect the transmission of, to the Website, including by email, is done at your own risk and MoFin bears no responsibility for any such content or any liability for any claims arising out of such content. We are not responsible for personal information you choose to submit in any area of the Website or to MoFin.
When you use the Website, MoFin may also collect certain information about your computer to facilitate and evaluate your use of the Website and its features and Services. Log file information, or the like, is automatically reported by your browser or mobile device each time you access or visit the Website. We may also log environmental variables, such as browser type, operating system, referring or exit web pages, number of clicks and how you interact with links on the Website, domain names, landing pages, pages viewed, or the Internet Protocol (IP) address of your computer. When you use the Website, we may also employ clear gifs (or web beacons), which are used to anonymously track the online usage patterns of our users. 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 information used when registering with address standardization data to verify the address you have entered is actually your address. We may also employ the use of clear gifs in HTML-based emails sent to our users to track which of the emails we may send are opened and which links in those emails are clicked by recipients. This information helps us improve the Website and allows for more accurate reporting.
4. Use of Personal Information
We collect personal information you provide to us in connection with any inquiry regarding the Website or our Services and in connection with any application or form you fill on the Website. The information we collect from you will vary depending on the product or service you've requested or made use of. In general, we may use information to:
5. Sharing Your Personal Information
We may share your personal information with service providers and vendors who aid us with parts of our business operations such as fraud prevention, bill collection, marketing and technology services and with affiliates or other financial institutions that we partner with to offer a product and/or as a part of a joint marketing campaign or correspondent lender program.
Furthermore, we share your personal information with vendors and service providers who perform services on our behalf in order to process your application or effectuate proper use of our Services. We require each vendor and service provider to keep your information confidential and secure. We also require that they use your information only as is reasonably necessary to carry out their work or comply with applicable law. Additionally, personal information may be disclosed or transferred to our affiliates. Moreover, personal information may be disclosed as part of, or during negotiations of, a consolidation, merger, sale of company assets or equity, financing, strategic alliance, acquisition, or in any other situation where personal information may be transferred as one of MoFin's business assets.
We may also share your personal information when we need to do so to comply with law or to law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure, if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss, or to report suspected illegal activity.
Unless otherwise updated, MoFin does not sell any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described herein and as otherwise necessary to perform our business activities.
6. Protecting Your Personal Information
We use significant safeguards, including physical, technical, and operational controls to protect your personal information from unauthorized access in compliance with applicable law. These measures include computer safeguards as well as secured files and buildings. We only authorize certain employees to obtain your information when it is absolutely necessary to carry out a job function, and moreover, only select, trained and trusted staff members are permitted to access your personal information. Further, we require companies, vendors, and other third parties that work for us to protect your information.
We have taken steps to ensure your use of the Website is safe and all data entered into the Website is transmitted to us in a secure and encrypted manner. Our website uses TLS 1.2 with encryption and authentication using AES_128_GCM and ECDHE_RSA verified with a DigiCert SHA2 Extended Validation Server CA certificate. We also employ technical safeguards that include a combination of firewalls, as well as malware detection, data loss prevention, and intrusion detection systems.
When you access the Website or use the products or services available, MoFin (or companies we work with) may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to recognize you as a customer, customize our Services, content and advertising, collect information about your computer or other access device, mitigate risk, and help prevent fraud.
You are free to decline our cookies if your browser or browser add-on permits doing so, but please note that doing so may interfere with your use of our Website and certain features may be impaired or become totally unavailable.
If any of your information we control is jeopardized as a result of a breach of security, we will take reasonable steps to investigate the situation, and if appropriate, notify you and take other steps in accordance with any applicable laws and regulations.
Upon termination or deactivation of your MoFin account on the Website, we may retain your log-in information, username, or profile information and any content or information for backup, archival, or audit purposes.
For password protection, at a minimum, we require that you use both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account if you happen to forget your log in information, which may include the use of a security question. You are to keep your password confidential and may not share it with anyone. You should always choose a password that is difficult for others to guess and change it frequently.
7. Management of Personal Information and Op-Out Policy
You can choose not to provide us with certain information, but please note that may have an effect on your ability to use the Website fully. If you chose to not provide accurate and full information, it may result in the inability to receive certain products or services.
MoFin and our business partners may contact you to offer you products and services that may be of interest to you. You may choose to stop receiving our newsletters or marketing emails, telephone solicitations or other forms of contact by unsubscribing in any e-mail sent to you, by following the links, if any, in order for you to do so contained in every MoFin automatic, marketing, or advertising e-mail or by contacting us by e-mail at email@example.com requesting to be "opted-out" of receiving any further correspondence from us. We will honor such request and effectuate the stoppage of any correspondence within a reasonable timeframe. You may also request such opt-out by sending us mail to MoFin Lending Corp., ATTN: Opt-Out, 1204 Broadway, 4th Floor, New, NY 10001.
9. Links to or from other websites and services
10. How We Respond to Do Not Track Signals
We do not respond to "do not track" signals or similar mechanisms where a visitor to the Website requests that we disable the collection of information about the visitor's online activities. This includes their navigation around the Website and the Service.
11. Security of Website
The security of your information is a major concern of ours. We protect your information by using data-security: 128 bit-encryption and an Extended Secure Sockets Layer (SSL) protocol. This creates an encrypted connection between your browser and our servers. We encrypt the transmission of sensitive personal information you enter on our forms and applications.
Further, we do not edit, alter, change, or modify your sensitive information in any way. We do not view your password.
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