Effective Date: July 10, 2017
2. INFORMATION WE COLLECT
Builder Finance collects two types of information: Personal Data and Usage Data.
Personal Data is information that directly or indirectly identifies a specific person, such as name, email address or mailing address.
Usage Data is information that, by itself, does not individually identify a specific person, such as browser type and operating system.
Builder Finance generally does not treat Usage Data as Personal Data. We may, however, link together different types of Usage Data or link Usage Data to Personal Data. If linked information identifies (or can be used to identify) an individual person, Builder Finance treats the linked information as Personal Data.
3. HOW WE COLLECT INFORMATION
How and what information Builder Finance collects depends on how and why the Services are used.
Builder Finance collects information in the following ways:
- When You Provide Information to Builder Finance: Certain Services require you to provide information or create an account, such as when you submit a loan application. If you send us an email to firstname.lastname@example.org, we collect the email address that you use to contact us. We also collect feedback, questions and information that you provide to us for customer support.
- When You Use the Services: We collect information about the Services that you use and how you use them:
- Through Server Logs: A server log is a list of the activities that a server performs. Builder Finance’s servers automatically collect and store in server logs your search queries, Internet Protocol (IP) address, hardware settings, browser type, browser language, the date and time of your request and referral URL and certain cookies that identify your browser.
- From Your Computer of Mobile Device: We collect device-specific information, such as your computer or mobile telephone model, operating system version, device identifiers and mobile network information.
- From Other Sources: Builder Finance collects information from third parties, specifically:
- Through Service Providers: Third parties may from time to time assist us with our business operations. As part of their services, they may collect and use information (including Personal Data and Usage Data) through the Services and share the collected information with us. For example, our service providers collect and share information with us to analyze the performance of the Services, detect and prevent fraud or to improve user experience.
- When you Connect with Social Media through the Services: Certain Services may link with social media platforms and social media plug-ins (e.g., the Facebook "Like" button, "Share to Twitter" button) (collectively, "Social Media"). When you connect using your Social Media accounts, we may collect the Personal Data provided to that Social Media service provider. Please review the privacy disclosures for your Social Media account to learn more about how Social Media account information is collected and shared with us.
4. DATA COLLECTION TECHNOLOGY
Data collection technology deployed through the Services includes cookies and web beacons.
A cookie is a small text file that is sent to or accessed from your web browser or your computer’s hard drive. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the "lifetime" of the cookie (i.e., when it expires) and a randomly generated unique number or similar identifier. A cookie also may contain information about your computer, such as user settings, browsing history and activities conducted while using the Services. A web beacon (also called a pixel tag or clear GIF) is a piece of computer code that enables us to monitor user activity and website traffic. (To learn more about cookies and web beacons, visit www.allaboutcookies.org.)
Data collection technology facilitates your access to the Services by, for example, storing your password so you do not have to reenter it each time you use the Services. Data collection technology also helps improve functionality and determine which features users prefer by collecting information about your browser type, domain name of your Internet service provider, websites visited before and after visiting the Services and web pages viewed. We compile statistics about use of the Services to help us analyze technical and navigational information about the Services and to detect and prevent fraud.
The Services use the following cookies:
- Strictly necessary cookies, which are required for the operation of the Services.
- Analytics cookies, which allow Builder Finance to recognize and count the number of visitors, learn how visitors navigate the Services and improve the Services.
- Functionality cookies, which Builder Finance uses to recognize you when you return to the Services.
- Interaction cookies, which allow you to recommend Builder Finance on Social Media.
Builder Finance also may use analytics services to collect Usage Data. Generally, analytics services do not identify individual users. Many analytics services allow you to opt out of data collection.
Your Control of Cookies: Some web browsers (including some mobile web browsers) provide settings that allow you to control or reject cookies or to alert you when a cookie is placed on your device. You also may be able to reject mobile device identifiers by activating the appropriate setting on your mobile device. Although you are not required to accept cookies or mobile device identifiers, if you block or reject them, you may not have access to all features available through the Services.
Do Not Track: Some web browsers (including Safari, Internet Explorer, Firefox and Chrome) incorporate a "Do Not Track" ("DNT") or similar feature that signals to websites that a user does not want to have his or her online activity and behavior tracked. If a website that responds to a particular DNT signal receives the DNT signal, the browser can block that website from collecting certain information about the browser’s user. Not all browsers offer a DNT option and DNT signals are not yet uniform. For this reason, many website operators, including Builder Finance, do not respond to DNT signals.
5. HOW WE USE AND SHARE YOUR INFORMATION
Builder Finance shares Personal Data collected through the Services as follows:
- Service Providers: Builder Finance shares information with Builder Finance’s distributors and suppliers and third-party service providers that help us operate the Services. Builder Finance enters into written agreements with each service provider that requires the service provider to protect your Personal Information.
- Lending Partners: When you apply for a loan through the Services, we share your loan application, including Personal Data, with co-lenders and our other lending partners.
- Corporate Transactions: Builder Finance may share and transfer Personal Data if Builder Finance is involved in a merger, sale, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy or other change of ownership or control by Builder Finance or its parent or affiliated companies (in each case, whether in whole or in part).
- Other Lawful Disclosures: Builder Finance also shares information: (i) as required or permitted by law; (ii) if we determine that disclosure of specific information is necessary to comply with the request of a law enforcement or regulatory agency or other legal process; (iii) to protect the rights, privacy, property, interests or safety of Builder Finance or our affiliated companies, customers, employees or the general public; (iv) to pursue available remedies or limit damages; (v) to enforce Builder Finance’s agreements with you; and (vi) to respond to an emergency.
6. HOW WE PROTECT AND STORE INFORMATION
Builder Finance deploys administrative, physical and technical safeguards intended to help protect information that we collect, process and store. Unfortunately, however, no safeguards or electronic data transmission are completely secure. Any transmission is at your own risk and Builder Finance expects that you will use appropriate security measures to protect your information.
You are responsible for maintaining the security of your credentials and other authentication involved in obtaining access to password-protected or secure areas of the Services. Builder Finance will treat access to the Services through your credentials as authorized by you. Unauthorized access to password-protected or secure areas is prohibited and may lead to criminal prosecution.
We may suspend your use of all or part of the Services without notice if we suspect or detect any breach of security. If you believe that information you provided to us is no longer secure, please notify us immediately using the contact information provided below.
We store and retain information for as long as necessary to fulfill the purposes for which you provided the information, to comply with legal obligations, to resolve disputes, to enforce our agreements with you and for similar essential purposes.
7. CHILDREN’S PRIVACY
The Services are not directed to or intended for use by minors. Consistent with the requirements of the Children’s Online Privacy Protection Act, if we learn that we received any information directly from a child under age 13 without his or her parent’s verified consent, we will use that information only to inform the child (or his or her parent or legal guardian) that he or she cannot use the Services.
8. CALIFORNIA RESIDENTS
California Code Section 1798.83 permits individual California residents to opt out of Builder Finance’s disclosure of Personal Data to third parties for their direct marketing purposes. California law also permits residents of California to request and obtain from us once per year, free of charge, a list of the third parties (if any) to whom we have disclosed Personal Data for their direct marketing purposes in the prior calendar year, as well as the type of Personal Data disclosed to those third parties. Please note, however, that Builder Finance does not disclose your Personal Data to third parties for their direct marketing purposes.
9. LINKS TO OTHER WEBSITES AND SERVICES
10. NOTICE TO INTERNATIONAL VISITORS
Builder Finance is headquartered in the United States and the Services are controlled and operated from the United States. If you are using the Services from outside of the United States, you do so at your own risk and you are solely responsible for compliance with local laws.
HOW TO CONTACT US
If you have questions about how Builder Finance uses your Personal Data, please contact us at email@example.com or by regular mail at:
Builder Finance Inc.
55 E 59th St, Floor 6
New York, NY 10022