PRIVACY POLICY

This Privacy Policy incorporates our Cookie Notice, which is accessible from a notice presented to users of the Site and/or Services and can be accessed here. www.IntraMortgage.com

In order to provide our Services we need to collect and store Personal Information. The types of information we collect from you may include:  first and last name, email address, telephone number, and mailing address and any other information you choose to provide in connection with our Services.

We may also use information in the aggregate that has no personal identifying characteristics to understand aggregate user and customer behavior. Non-personally identifiable information is not treated the same as Personal Information and we may use and disclose such information for various purposes.

As noted above, we use cookies and other technology to collect information, provide Services, and support features of the Site.

We may receive information about you, including Personal Information, from third parties. We may combine this information with other Personal Information we maintain about you and such information will be handled under the terms of this Privacy Policy.

We may also use your Personal Information (such as search terms) to optimize our exposure and availability on external web search engines such as Google.  More on this use may be found below. 

There may be times when we need to share your Personal Information with third parties to provide you Services, for the proper functioning of website features, to comply with the law, and for other lawful bases consistent with locally controlling laws and regulations. The occasions when we will share your Personal Information because of these reasons are explained below.

We use third parties to assist us with providing our Services (e.g., fulfilling an order, payment processing, data storage and processing) and we may share your Personal Information with these third-party Service Providers to help us to serve you. We limit the amount and types of Personal Information we share with Service Providers to what they need to reasonably perform their functions. We also required Service Providers to comply with a privacy policy that is at least as restrictive as this Policy.

We may disclose and transfer Personal Information to a third party in the event that a merger, acquisition, debt financing transaction, sale of our assets, other similar transaction, bankruptcy, insolvency, or receivership occurs.  The third party would thereafter be entitled to review and use such information (including Personal Information) in connection with its business activities, and in such case, the Privacy Policy of the third party may thereafter apply to such information, rather than this Privacy Policy.

We may disclose Personal Information if we believe we must to comply with a law, or if disclosure is in our interest to protect property or other legal rights. This may include disclosing Personal Information to enforce contracts and agreements, to protect the rights or property of others, or to help protect the security of our Service and the information of other users.

We may share aggregate, non-personally identifiable location information with third parties to assist in understanding our user’s interests and usage of our Site and Services.

We use Google Analytics to help us understand how you use our Services.  Google Analytics collects data about your traffic via Google advertising cookies and anonymous identifiers, as well as data collected through standard Google Analytics implementation.  We strive to adhere to Google Analytics Advertising policies.

We will not facilitate the merger of personally identifiable information with non-personally identifiable information collected through any Google Advertising product or feature.

We reserve the right to test, turn-on, or turn-off any of the Google Analytics features from time-to-time without notice to you.  By utilizing certain Google Analytics Advertising features, we are required to disclose the following information:

We use the following Google Analytics Advertising Features: Google Analytics.

The Site and other third-party vendors may use first-party cookies (such as the Google® Analytics cookie) or other first-party identifiers, and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together. Visitors to the Site can opt-out of the Google® Analytics Advertising Features used, including through Ads Settings, Ad Settings for mobile apps, or any other available means (for example, the NAI’s consumer opt-out).

Our use of cookies is detailed in our Cookie Notice, which is described above.

You may revoke your consent to the use of web analysis at any time, either by downloading and installing the provided Google Browser Plugin or by following your internet browser’s instructions to enable, disable, or clear cookies. 

Further information on Google Analytics is available in the Google Analytics Terms of Use, the Privacyand Data Protection Guidelines of Google Analytics and in the Google Privacy Policy.

We store the information we collect about you for as long as is necessary for the purpose(s) for which we collected it and in accordance with applicable law and legitimate business interests.

When assessing the data retention period, we take into account the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we process the data and whether we can achieve those purposes through other means, and the applicable legal requirements.

Unfortunately, no data transmission or storage can be guaranteed to be completely secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) we cannot control security and privacy indefinitely; (b) the security, integrity, and privacy of information or data exchanged between you and us cannot always be guaranteed; and (c) any such information and data may be viewed or compromised when in transit by a third party.

We strive to keep our records accurate and will make appropriate corrections when you notify us. Please let us know if there is incorrect information in any statements or other communications that you receive from us. If you would like to correct or update your personal information, please contact us.

If we offer user accounts on our Site, you may be able to log in, access some forms of Personal Information you have shared, and update this information in your account settings page. If you desire to update any Personal Information that you have shared with us that is not available for editing in your account settings, please contact us using the contact information at the end of this Policy.

If you receive marketing or advertising emails from us, you may unsubscribe at any time by clicking the “Unsubscribe” link located in the email and following the instructions at the linked web page or by sending an unsubscribe request by “replying STOP” to any email received. If you receive any other marketing communications from us (e.g., via postal mail), you may opt-out of receiving future communications from us by contacting us using the contact information at the end of this Policy.

If we offer user account functionality on the Site, you may be able to view and modify how frequently you are contacted with promotional communications from us rather than opting-out completely.

Phone: 380-444-6164

If you submit a request that we delete your account for the Site or any Services, we will respond to your request in a reasonable time. We may need to retain certain Personal Information to comply with legal obligations, and we will always retain aggregate, non-personal information collected.

California and Delaware require websites accessible by users based in those states to indicate whether the website respects “Do Not Track” browser settings. We follow the standards explained in this Privacy Policy and do not interact with or implement “Do Not Track” requests.

Our Services and Site are not directed at children under the age of 18, and we do not knowingly collect Personal Information from children under the age of 18 without obtaining parental consent. It is our procedure to promptly delete any Personal Information collected from a child under the age of 18 upon discovery of such a circumstance. If you believe that we may have collected Personal Information from a child under the age of 18, please contact us using the contact information at the end of this Policy and we will take appropriate steps to rectify this inadvertent collection.

Likewise, other California Privacy laws may apply to you in certain circumstances. 

Pursuant to California Business and Professions Code Section 1798.83 (or such successor provision), as amended and supplemented, residents of California have the right to request from a business with whom the California resident has an established business relationship certain information with respect to the types of Personal Information the business shares with third parties for those third parties’ direct marketing purposes and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year.

In addition, an operator of a commercial website subject to California Business and Professions Code Section 22581 must allow California residents under age 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted. If this applies to you and you wish to make such a request, your request should include a detailed description of the specific content or information to be removed. Please be aware that your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

If you are a California resident, believe that one of the above code provisions applies to you, and would like to make such a request, you may submit a written request using the contact information located at the end of this Privacy Policy. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

In the event that we collect or process Personal Information subject to the GDPR, we will comply with the requests of European data subject requests to: (1) access Personal Information, (2) have inaccurate or unnecessary Personal Information rectified or deleted, or (3) stop using your Personal Information in a certain way. If your use of our Services or Site is subject to GDPR you would also have a right to lodge a complaint with your local EU regulator.

Likewise, in the event we collect or process Personal Information subject to the laws of another jurisdiction, we will comply with the laws of that jurisdiction to the best of our knowledge and understanding.

INM is committed to participating in a simplified two-part dispute resolution process.

Exceptions to Arbitration Agreement. You and INM’s each agree that the following claims are exceptions to the Arbitration Agreement and will be brought in a judicial proceeding in a court of competent jurisdiction: (i) Any claim related to actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights; (ii) Any claim seeking emergency injunctive relief based on exigent circumstances (e.g., imminent danger or commission of a crime, hacking, cyber-attack).

Arbitration Rules and Governing Law. This Arbitration Agreement evidences a transaction in interstate commerce and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. The arbitration will be administered by the AAA in accordance with the Commercial Arbitration Rules and/or other AAA arbitration rules determined to be applicable by the AAA (the “AAA Rules“) then in effect, except as modified here. The AAA Rules are available at www.adr.org or by calling the AAA at 1–800–778–7879.

Modification to AAA Rules – Arbitration Hearing/Location. In order to make the arbitration most convenient for you, INM’s agrees that any required arbitration hearing may be conducted, at your option, (a) in the county where you reside; (b) in Orange County, CA; (c) in any other location to which you and INM’s both agree; (d) via phone or video conference; or (e) for any claim or counterclaim under $25,000, by solely the submission of documents to the arbitrator.

Modification of AAA Rules – Attorney’s Fees and Costs. You and INM’s agree that INM’s will be responsible for payment of the balance of any initial filing fee under the AAA Rules in excess of $200 for claims of $75,000 or less. You may be entitled to seek an award of attorney fees and expenses if you prevail in arbitration, to the extent provided under applicable law and the AAA rules. Unless the arbitrator determines that your claim was frivolous or filed for the purpose of harassment, INM’s agrees it will not seek, and hereby waives all rights it may have under applicable law or the AAA Rules, to recover attorneys’ fees and expenses if it prevails in arbitration.

Arbitrator’s Decision. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court with proper jurisdiction. The arbitrator may award declaratory or injunctive relief only on an individual basis, and only to the extent necessary to provide relief warranted by the claimant’s individual claim.

Jury Trial Waiver. You and INM acknowledge and agree that we are each waiving the right to a trial by jury as to all arbitrable Disputes.

No Class Actions or Representative Proceedings. You and INM’s acknowledge and agree that, to the fullest extent permitted by law, we are each waiving the right to participate as a plaintiff or class member in any purported class action lawsuit, class-wide arbitration, private attorney general action, or any other representative proceeding as to all Disputes. Further, unless you and INM’s both otherwise agree in writing, the arbitrator may not consolidate more than one party’s claims and may not otherwise preside over any form of any class or representative proceeding. If the “class action lawsuit” waiver or the “class-wide arbitration” waiver in this Section is held unenforceable with respect to any Dispute, then the entirety of the Arbitration Agreement will be deemed void with respect to such Dispute and the Dispute must proceed in court. If the “private attorney general action” waiver or the “representative proceeding” waiver in this Section is held unenforceable with respect to any Dispute, those waivers may be severed from this Arbitration Agreement and you and INM’s agree that any private attorney general claims and representative claims in the Dispute will be severed and stayed, pending the resolution of any arbitrable claims in the Dispute in individual arbitration.