Information We Collect
We collect information in a number of ways, such as when you provide information to us; when we obtain information from trusted third parties; and while you visit the Site and use the Services. We require Personal Data to transact business, communicate with you, verify your identity, and qualify you for financing. We may collect Personal Data when you register for access to the Services; complete certain forms on the Site; upload or submit any material through the Site; request information or contact us with inquiries; and agree to use certain services.
When you provide consent through our technology by submitting a loan application, you voluntarily agree we may request and obtain from third parties personal information about you. We use secure methods to transmit data to and from a third party from which we are requesting and obtaining your personal information. You acknowledge we are not responsible for the management of your personal information by any third party, and you agree to hold us harmless in the event of a third party having the confidentiality, security, or availability of your personal information compromised.
When you interact with us through the Site or Services, we receive, track, and store certain information about you. Examples of this information include, but are not limited to, the type of web browser, IP address, language preference, cookies, domain servers, URL traffic to, through and from the Site; types of computers or devices accessing the Site; and any other Web site usage information that we may collect when you visit the Site. This information cannot be used to specifically identify you.
We may store such non-identifying information by itself or may include it in databases owned and maintained by our affiliates, agents, or service providers. The Site and Services may use such information, on a standalone basis or with other data, to evaluate and improve the value of the Services and your experience with the Site, to understand how users and clients interact with the Services, and for any other lawful purpose we deem relevant.
We may disclose aggregated statistics about our users and clients in order to create intellectual property for our clients, to describe our Services to current and prospective business partners, and to other third parties for other lawful purposes.
Modern web browsers automatically accept cookies, but you can change your browser to prevent or restrict this or to notify you each time a cookie is sent to your computer. If you block or delete cookies used on our Site or Services, you may not be able to take full advantage of the Services.
Use of your Personal Data
We limit the use of your Personal Data to activities, which are necessary to arrange financing for you, develop and improve the Site and Services, and comply with laws and regulations. For example, we will use Personal Data you provide and we obtain from third parties to identify you when accessing your user account; enable us to deliver the Services to you; send information you have requested from us or may find useful; present opportunities to you when using the Services; present your financing needs and loan application to third party lenders and investors; facilitate communication between and exchange of information with third-party lenders and investors; contact you to respond to any inquiry you make through the Services; analyze the people visiting the Site and how they use the Services; and use for any other purposes that we may disclose to you when we request your information.
Third Party Services
We do not sell, license, lease, or otherwise disclose your Personal Data to any unaffiliated third party for any reason, except as follows:
1) Disclosure is required or advisable because of laws, regulations, court orders, subpoenas, cooperating with government agencies, regulators and law enforcement officials, performing background checks, resolving disputes, or performing risk management activities.
2) Unaffiliated third parties may receive your Personal Data to provide services to us. We will strictly limit sharing of your Personal Data with and use of it by an unaffiliated third party to the task we contract the third party to perform. We will not allow an unaffiliated third party to receive or use your Personal Data for any other purpose.
3) With your consent, we may make publicly available on the Site and through the Services information about your real-estate investing and related business activities. We will only make this information available after obtaining your consent.
4) In the event of a corporate sale, merger, reorganization, dissolution, or similar event, Personal Data may be part of the transferred assets. We will notify you about any such event and communicate your options concerning your Personal Data.
5) In addition to the foregoing, we will use your Personal Data to further the business activity or transaction for which you are voluntarily utilizing the Services.
When Providing Services and Delivering Products
We may share Personal Data with lenders, investors, and other third parties, after we receive a loan application from you, and when we arrange financing offers for you. Before sharing your Personal Data, we will collect additional data from third parties, including a credit bureau. This is discussed in the Third Party Information Release you sign when you submit a loan application. After you select a lender, we will provide to that lender your loan application and third-party data we are legally and contractually allowed to make available. Additionally, we may use your Personal Data to recommend Services.
Compliance Reporting and Monitoring
Federal and state governmental authorities may impose compliance or reporting requirements, which cause Certain or our affiliates to request from you additional financial or personal information. The laws and regulations governing these obligations, including but not limited to the PATRIOT Act and Foreign Account Tax Compliance Act, may necessitate additional due diligence, compliance activity, monitoring, or reporting by Certain or our affiliates. By using the Site and Services, you warrant you will, upon request, supply to us or out affiliates all information that is reasonably necessary or advisable to carry out such functions or requirements.
Safeguarding Personal Data
We take commercially reasonable steps to safeguard your Personal Data. Steps we take include, but are not limited to, implementing encryption and authentication tools; limiting information accessibility; using highly secure third-party services; and using cookies to anonymously recognize you as a repeat visitor and track Site traffic patterns. We perform security monitoring and analysis to assess the vulnerability of Personal Data to malicious compromise. Despite these efforts, we cannot ensure or guarantee the security of your Personal Data, nor do we make any representation or warranty regarding the security of such information.
You are responsible for helping us maintain the accuracy and completeness of your Personal Data. We encourage you to review your information and keep it up to date. Please contact us at email@example.com, if you believe your information is not correct. You may decline to share your information with us or ask us to delete your Personal Data; doing this may limit our ability to provide the Services or your ability to use the Site.
Information you post on portions of the Site or Services may be available to anyone who is a visitor to the Site or user of the Services. An example is providing a comment to an article we post on the Site. We encourage you to exercise caution when posting comments or sharing your personal information in these areas. We cannot guarantee information you post to parts of the Site that are publicly available can be removed.
Links to other Websites
Users Outside the United States
Users outside the United States can access the Site and Services. If you choose to use the Site or Services from a country other than the United States, you are transferring your Personal Data to the United States. By providing your personal information on the Site or Services, you agree to that transfer and consent to be governed by the laws of the United States.
California Residents and their Privacy Rights
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our clients, who are California residents, to request and obtain annually, free of charge, information about the Personal Data (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If you are a California resident and would like to make such a request, please submit your request to firstname.lastname@example.org. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.
Collecting Data from Minors
Terms and Conditions
Your access to and use of the Site and Services is subject to our terms and conditions, available at certainlending.com.
Contacting Us and Opting Out
Last Updated: April 24, 2018