Welcome to the website (the "Site") of LendingHome Corporation and its Subsidiaries (collectively referred to as "LendingHome", "Company", "we", "us" and "our"). This Site was created to provide information about our company and our real estate lending and investing services, mobile applications and related services (together with the Site, the "Services") to our Service visitors ("you", "your", or "user").
If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Company and the authorized third parties referred to herein located in the United States.
Non-Identifiable Data: When you visit the Site or interact with us through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. LendingHome may store such information itself or such information may be included in databases owned and maintained by Company affiliates, agents or service providers. We may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors' Internet service providers.
Aggregated Personal Information
In an ongoing effort to better understand and serve the users of the Services, we often conduct research on our customer demographics, interests and behavior based on the use and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and LendingHome may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. LendingHome may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.
Our Use of Your Personal Information
Our Disclosure of Your Personal Information
LendingHome is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as set forth below:
In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Information may be part of the transferred assets.
Agents, Consultants and Related Third Parties
We, like many businesses, sometimes hire other companies to perform certain business-related functions. Examples of such functions include but are not limited to mailing information, maintaining databases, processing payments, releasing property liens, and property inspections. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
LendingHome may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
You can visit the Site without providing any Personal Information. If you choose not to provide any Personal Data, you may not be able to use certain Services.
Children and Minors
Our services are not intended for and we do not knowingly collect Personal Information from Minors. "Minors" are individuals under the age of 13 (or under a higher age if permitted by the laws of their residence). If it comes to our attention that we have collected Personal Information from a Minor, we may delete this information without notice. If you have reason to believe that this has occurred, please contact us email@example.com have the information deleted.
Links to Other Websites
In operating the Services, we may use a technology called "cookies." Cookies are small text files sent by us to your computer or mobile device, which enables LendingHome features and functionality. They are unique to your account and your browser. We use our own cookies and third party cookies. LendingHome uses both session cookies and persistent cookies. A session cookie is something that helps identify you during a particular visit to our Site which expires after a short time. We use a persistent cookie to identify you over a long period of time such as if you ask us to keep you signed in.
If you would prefer not to allow cookies, on most web browsers, you will find a "help" section on the toolbar where you can set up rules to manage cookies such as how to receive notifications when you are receiving a new cookie or how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features. Limiting cookies may stop you from saving customized settings including login information.
We collect Personal Information about your online activities over time and across different websites when you use our Site or Services or affiliated websites. We also allow third parties to collect Personal Information about your online activities over time and across different websites when you use our Site or Services.
LendingHome takes reasonable steps to protect the Personal Information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In particular, email sent to or from the Services may not be secure. Alternatively, you can securely upload information through your username and password enabled accounts on our Site.
Your California Privacy Rights
California law may provide California residents with additional privacy rights regarding our use of your personal information. To learn more or make a request, please see thePrivacy Notice for California Residents.
Other Terms and Conditions
Your access to and use of the Services is subject to the Terms of Service atwww.lendinghome.com
Exhibit A - Personal Information Sharing
What does LendingHome do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Name, address, phone number, Social Security Number, email address, government identification number, asset information, account balances and payment history, credit history and credit scores, and government monitoring information including by not limited to martial status and age.
Financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons LendingHome may choose to share—and whether you can limit this sharing. For current borrowers, you may not control certain information associated with your loan, that you have already agreed to provide to certain investors as described in your loan agreement.
Reasons we can share your personal information
Does LendingHome share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes - information about your transactions and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide you with this notice. Please also visit Jurisdiction Specific Disclosure for state specific rights.
How does LendingHome protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LendingHome collect my personal information?
We collect your personal information, for example, when you
Create an online account
Complete an application
Provide account information or contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates' everyday business purposes-information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates companies to market to you
State laws may give you additional rights to limit sharing. See Jurisdiction Specific Disclosure.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account - unless you tell us otherwise.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include LendingHome Funding Corporation and LendingHome Real Estate Network
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include other financial services companies, investors, and real estate related companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Joint marketing partners can be financial services and non financial services companies.