During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with U.S. federal regulations and G. D. P. R. (General Data Protection Regulation) to guard your non-public personal information.
We collect non-public information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transaction with us our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
We do not disclose any non-public information about our customers and former customers to any third party, except as permitted by law.
When accessing the Website, Cityscape Home Mortgage will learn certain information about you, both automatically and through voluntary actions you may take, during your visit. This policy applies to information we collect on the Website and in email, text, or other electronic messages between you and the Website.
Children Under The Age Of 13
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.
If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org.
What information do we collect about you?
We may collect information about you when you visit and interact with this Site. Some of this information may be automatically collected, and some is collected when you interact with the Site.
Information Automatically Collected: We may use automatic data collection technologies including Google Analytics to collect certain information about your equipment, browsing actions, and patterns. The type of information that may be automatically collected may include date and time of access of the Site, your traffic pattern through our Website, any communications between your computer and our Website, the Internet protocol address of the computer that you are using, the domain and host from which you access the Internet, the type of computer you use, your Internet connection, your browser software and operating system, and the specific activities you are engaged in while visiting the Site.
The information we collect automatically is used for statistical data and will not include personal information. We use this data to improve our Website and our offerings. To the extent that you voluntarily provide personal information to us, our systems will associate the automatically collected information with your personal information.
Information You Provide to Us: We collect information about you when you register with us or place an order for products or services. We also collect information when you voluntarily complete customer surveys, take quizzes or assessments, complete questionnaires or applications, submit your contact information on an option box or contact form, when you fill out forms, when you use search queries on our search feature, when you provide comments or other feedback, and when you open our emails or click links on our Website, in our marketing communications or on social media. Website usage information is collected using cookies.
Information from which you can be personally identified may include your name, postal address, email address, telephone number, and credit card number (referred to as “Personal Consumer Information”) and/or any other identifier that permits the physical or online contacting of you in connection with your use of, or participation in any of the following: membership registration at at the Website, contests, sweepstakes, promotions, surveys, forums, subscription registrations, content submissions, chats, bulletin boards, discussion groups, requests for suggestions, visitors’ requests for free products or services or additional information (including via email to us) and in connection with other activities, services or resources we make available on any of our Sites. In all these cases, we will collect personal consumer information from you only if you voluntarily submit such information to us. Further, the Company may contact you based on the information you provide online whether in connection with your registration or in such places as the above described forums.
We may use “cookies” and/or other technologies or files (collectively, “cookies”) to identify how visitors make use of this Site. Cookies are text files placed on your computer to collect standard internet log information and visitor behavior information. This information is used to track visitor use of the Website and to compile statistical reports on Website activity. The information may include the date and time of Website visits, the specific pages viewed, time spent at our site and on specific pages, and the websites visited just before and just after our own, as well as your IP address.
This tracking information may be used to help us improve and enhance the Website experience for all of our visitors or for you individually. If you would prefer not to have such cookies stored on your computer, you may modify your browser settings to reject most cookies, or manually remove cookies that have been placed on your computer. However, by so rejecting the cookies, you may be unable to fully access the offerings on this Website.
You can set your browser to not accept cookies and the above websites tell you how to remove cookies from your browser. However, in a few cases, some of our Website features may not function as a result.
The Company reserves the right to use technological equivalents of cookies, including social media pixels. These pixels allow social media sites to track visitors to outside websites so as to tailor advertising messages users see while visiting that social media Website. The Company reserves the right to use these pixels in compliance with the policies of the various social media sites.
Use and Sharing of Personal Consumer Information
Except as otherwise provided in this policy, we reasonably attempt to ensure that we never intentionally disclose any personal consumer information about you as an individual user to any third party without having received your permission (through opting in or similar procedures) except as provided for in this policy or otherwise as permitted or required under law.
We have the following exceptions to this policy: We will release specific information about you or your account to comply with any valid governmental inquiry or legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites or a physical or property threat to you or others. We may also transfer user information, including personal consumer information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. We may provide access to your personal consumer information to our contractors, vendors and third-party applications that are performing services for us in connection with our Website or the services or products we offer.
Further, the information you enter when making a purchase will be shared with payment processors, financial gateways and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose of carrying out the transactions.
The General Data Protection Regulation (GDPR) takes effect on May 25, 2018. This regulation standardizes data privacy laws across the European Union (EU). If you are within the European Union, you are entitled to certain information and have certain rights under the General Data Protection Regulation. Those rights include:
Right of Access: Find out what kind of personal information is held about you and get a copy of this information.
Right of Rectification: Ask for your information to be updated or corrected.
Right to Data Portability: Receive a copy of the information you’ve provided under contract so you can provide it to another organization.
Right to Restrict Use: Ask for your personal information to stop being used in certain cases, including if you believe that the personal information about you is incorrect or the use is unlawful.
Right to Object: Object to use of your information where a party is processing it on legitimate interest basis, and object to have your personal information deleted.
Right to Erasure: Request that your personal information be deleted in certain cases.
To the extent that you provided consent to the Company’s processing of your personal data, you have the right to withdraw that consent at any time.
You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the General Data Protection Regulation.
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