1. Information Collection
When you use our Website or mobile applications, we collect a variety of information from you, including personally identifiable information. This information is obtained from your online registrations, searches, applications, surveys or forms you may complete. For example, when you register to use the Website you provide us with certain personal information, such as your name, physical address, e-mail address and phone number. If you register to participate in an auction event, we may collect additional information from you, including financial and credit information, as well as details about the properties you choose to bid on and your bidding patterns and history. You may also provide information about third parties, for example, if you share property listings with others via e-mail. Further, we may collect information about your transactions with our affiliates or others, and may combine all information that is collected from your interactions with us, our affiliates and others.
In addition, we may collect and store information such as your unique device identifier, the page or subject areas you visit, your browser program, Internet Protocol address, operating system and language, the state or country from which you accessed the Website or mobile application, the services you use, the information you request, the date and time of your visits, the websites you visited before and after visiting our websites, error logs, other hardware and software information, and the location of your wireless device in order to provide you location-based information. If you use any social networking functionality provided by us, we may access and use your social network profile information that you have made available to be shared.
We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "web beacons," which monitor your use of our websites. Tracking systems (web beacons or web bugs) are small strings of code that provide a method for delivering a graphic image on a web page for the purpose of transferring data, such as the Internet Protocol address of the computer that downloaded the page on which the web beacon appears, the Uniform Resource Locator of the page on which the web beacon appears, the time the page containing the web beacon was viewed, the types of browser that fetched the web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, web beacons let us know whether you received and opened our e-mail.
2. Information Use and Disclosure
Unless you choose to opt-out, by using the Website or mobile applications you consent that we may use or share information we have about you to enhance your user experience, determine your eligibility for a wider range of services or products available to you and provide you notification of same, customize and personalize the content provided to you on the Website or mobile applications, send you information about topics that may be of interest to you, perform research and analytics, and provide you communications related to your account.
Further, we may share your information with others in the following ways:
With Affiliates of Xome
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" among affiliates of Xome. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications
- From a credit report, such as your credit history
- From sources used to verify representations made by you, such as your open lines of credit or employment history
Within Xome's family of companies
We may share the customer information we collect with affiliate companies providing financial and other services, such as mortgage lenders, insurance agencies, title/escrow/closing and other settlement services companies, inspection companies, home security companies, lawn care and pest control companies.
If you prefer that we not share non-experience information about you with an affiliate of Xome, you may opt out. That is, you may direct us not to share this information by calling us toll-free at +1 (844) 400-9663 or by making a written request to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067, Attn: Chief Privacy Officer, firstname.lastname@example.org. The Fair Credit Reporting Act also gives you the option of limiting our affiliates' use of your information that we share with them.
With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law
We may work with non-affiliated companies or organizations to provide you with opportunities to buy products or services offered by us or jointly with other companies, including financial institutions. Consequently, we may disclose some or all of the information that we collect to the following:
- Companies that perform services on our behalf, such as data processing companies, customer/support services and other vendors
- Companies with whom we have joint marketing agreements
For your protection, we require that these companies keep all personal information secure and confidential.
There may be additional times when it is necessary for us to use and share your information, and we may disclose some or all of the information that we collect as permitted by law.
We may also disclose your personal information:
- To comply with any court order, law or legal process, including responding to any government or regulatory request
- To support compliance or audit requirements
- To detect, prevent or otherwise respond to fraud, security or technical concerns
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Website, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
- In the event of a merger, acquisition or other transfer involving all or part of our business
With Other Third Parties
We may disclose some or all of the information that we collect with non-affiliated companies or other organizations, including:
- Financial service providers, such as mortgage lenders, title/escrow/closing companies and insurance agents
- Non-financial companies, such as retailers, direct marketers, membership clubs and publishers
- Other companies and organizations, including non-profit organizations
California residents, review additional information about your privacy rights.
3. Targeted Advertising
We may also use technologies to collect information about your online activities over time and across third party websites or other online services (behavioral tracking). We believe that this online behavioral tracking helps to provide you with more relevant advertising based upon on the websites you visit. Third parties may also use similar technologies to collect information about your online activities over time and across different third party sites, including your use of this Website.
4. How We Protect Your Information
Keeping your personal information secure is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.
5. Maintenance of Accurate Information
We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling +1 (844) 400-9663 or sending a written inquiry to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067, Attn: Chief Privacy Officer, email@example.com. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.
6. Other Websites
9. Children Under 13 Years of Age.
10. Effective Date