Tx Affordable Mortgage Protection Privacy Policy

Last updated: September 15, 2024

This Privacy Policy outlines how Tx Affordable Mortgage Protection collects, uses, and discloses your personal information when you use our services. It also explains your privacy rights and the legal protections in place. By using our website, you agree to the collection and use of information as described in this policy.

Collection and Use of Your Personal Information
We collect your personal data to improve and provide our services. Your use of the service signifies your consent to the collection and utilization of the following information:

1. Categories of Information Collected

  • Personal Information: During your use of our services, we may request personally identifiable information such as your email address, first and last name, phone number, address, city, state, ZIP/postal code, and country. This information is used to identify or contact you.

  • Usage Data: Our website automatically collects certain usage information, such as your device’s IP address, browser type, pages visited, time and date of your visit, time spent on pages, and diagnostic data. When you access our website via a mobile device, we may collect your mobile device type, unique device ID, IP address, mobile operating system, and mobile browser information.

2. Tracking Technologies and Cookies
We use cookies and similar tracking technologies to monitor user activity and store information. These technologies include:

  • Cookies: Small files stored on your device. You can configure your browser to reject cookies, though some parts of the website may become inaccessible.

  • Web Beacons: Small graphic files embedded in certain emails or web pages to track user interactions, such as page visits or email opens.

Cookies are categorized as either “Persistent” (remaining on your device when offline) or “Session” (deleted when you close your browser). We use both types for the following purposes:

  • Essential Cookies: Used to authenticate users and prevent fraudulent use of accounts.
  • Acceptance Cookies: Track whether users have accepted our cookie policy.
  • Functionality Cookies: Remember user preferences, such as login details or language settings.
  • Tracking and Performance Cookies: Used by third-party providers to gather information on website traffic and user behavior for analytical purposes.

For more details on the cookies we use and how to manage them, visit our Cookies Policy.

3. Use of Your Personal Information
We may use your personal information for the following purposes:

  • To provide and maintain our services and monitor usage.
  • To manage your account and facilitate your access to various website features.
  • For contract performance, such as processing purchases or services.
  • To contact you via email, phone, SMS, or other methods regarding updates, offers, or service-related communications.
  • To provide news and promotional offers related to goods and services similar to those you’ve purchased, unless you opt out.
  • To respond to your inquiries and requests.
  • To serve targeted advertising based on your interests and location.
  • For business transfers, such as during mergers or acquisitions.
  • For other purposes, such as data analysis, usage trend identification, marketing improvements, and service enhancements.

4. Sharing of Your Personal Information
Your personal information may be shared in the following instances:

  • With Service Providers: For monitoring and analyzing usage, advertising, or contacting users.
  • For Business Transfers: During mergers, acquisitions, or asset sales.
  • With Affiliates: We may share data with affiliates, ensuring compliance with this policy.
  • With Business Partners: To offer you products, services, or promotions.
  • With Other Users: Any public interactions with other users may be visible to others.
  • With Your Consent: For any other purpose with your explicit consent.

Retention of Your Personal Data
We will retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy. This includes the need to comply with legal obligations, resolve disputes, and enforce our agreements and policies.

Usage Data is typically retained for a shorter period, unless required for security enhancements or legal compliance.

Transfer of Your Personal Data
Your personal data may be processed at the Company’s operating locations and by third-party service providers in various locations. This could involve the transfer of your information to computers in jurisdictions with different data protection laws than your own.

By using our services and agreeing to this Privacy Policy, you consent to such transfers. We will ensure your data is handled securely and in compliance with this Privacy Policy, ensuring proper safeguards are in place.

Delete Your Personal Data
You have the right to request the deletion of your personal data. Our service may allow you to delete certain information directly through your account settings.

Alternatively, you can contact us to request access, correction, or deletion of personal data. Please note that certain information may need to be retained to meet legal obligations or for legitimate business purposes.

Disclosure of Your Personal Data

  • Business Transactions: In the event of a merger, acquisition, or sale of assets, your personal data may be transferred. We will notify you if your data is subject to a different privacy policy as a result of such changes.

  • Law Enforcement: We may disclose your personal data if required by law or in response to valid legal requests from public authorities.

  • Other Legal Requirements: We may also disclose your data in good faith if necessary to:

    • Comply with legal obligations
    • Protect the rights and property of the Company
    • Prevent potential wrongdoing or investigate violations
    • Protect the safety of users and the public
    • Defend against legal liability

Security of Your Personal Data
We take commercially reasonable measures to protect your personal data. However, no method of data transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Detailed Information on Processing Your Personal Data
Third-party service providers may have access to your data, depending on their role in the functioning of our services. This includes analytics providers, email marketing services, and advertising platforms.

  • Analytics: Service providers may monitor and analyze website usage.

  • Email Marketing: Your personal data may be used for newsletters, marketing materials, or other information. You can opt out via unsubscribe links or by contacting us.

  • Remarketing Services: We use services like Facebook to target ads to you after you’ve visited our site. Refer to their privacy policies for more details on how your data is handled.

California Privacy Rights (CCPA/CPRA)
This section applies to California residents and provides additional privacy rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

We collect the following categories of personal information:

  • Category A: Identifiers (e.g., real name, email, address)
  • Category B: Personal information under California records statutes (e.g., name, insurance policy number)
  • Category F: Internet activity (e.g., browsing history, interactions with ads)
  • Category L: Sensitive personal information (e.g., account login, password)
 

Certainly! Here’s the rewritten content:

Exclusions Under CCPA/CPRA
Under the CCPA/CPRA, personal information does not include:

  • Publicly available information from government records.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA/CPRA’s scope, such as:
    • Health or medical information covered by HIPAA or clinical trial data.
    • Personal information covered by specific sectoral privacy laws.

Sources of Personal Information
We obtain personal information from the following sources:

  • Directly from You: For instance, through forms you complete on our Service or preferences you express.
  • Indirectly from You: For example, through observing your activity on our Service.
  • From Service Providers: Such as third-party vendors who assist in monitoring and analyzing our Service, delivering targeted advertising, or providing the Service.

Use of Personal Information
We may use or disclose personal information for business or commercial purposes, including:

  • Operating and providing our Service.
  • Offering support and addressing inquiries.
  • Fulfilling the purpose for which the information was provided.
  • Complying with legal requests and obligations.
  • Conducting internal administrative and auditing tasks.
  • Detecting security incidents and safeguarding against malicious activities.
  • Other incidental uses.

Note that the examples provided are illustrative and not exhaustive. For detailed information on our use of personal data, please refer to the “Use of Your Personal Data” section.

If we decide to collect additional categories of personal information or use collected information for materially different purposes, we will update this Privacy Policy accordingly.

Disclosure of Personal Information
We may use or disclose, and may have used or disclosed in the past twelve (12) months, the following categories of personal information for business or commercial purposes:

  • Category A: Identifiers.
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
  • Category F: Internet or other similar network activity.

This does not imply that all examples of these categories were disclosed, but reflects our good faith belief that some information from these categories may have been disclosed.

When we disclose personal information for business or commercial purposes, we enter into contracts that specify the purpose and require the recipient to maintain confidentiality and not use the information for other purposes.

Sharing of Personal Information
We may share, and have shared in the last twelve (12) months, personal information identified in the categories above with:

  • Service Providers.
  • Our affiliates.
  • Third-party vendors authorized by you or your agents in connection with products or services we provide.

Sale of Personal Information
Under CCPA/CPRA, “sell” or “sale” includes actions such as advertising, marketing, and analytics, and may be considered a sale.

We may sell, and may have sold in the last twelve (12) months, the following categories of personal information:

  • Category A: Identifiers.
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
  • Category F: Internet or other similar network activity.

This does not mean all examples of these categories were sold, but reflects our belief that some information may have been shared for value.

Sale of Personal Information of Minors Under 16 Years of Age
We do not knowingly collect personal information from minors under 16. However, third-party websites we link to might. We encourage parents and guardians to monitor their children’s internet use and instruct them to avoid sharing information without permission.

We do not sell personal information of consumers known to be under 16, unless we have received affirmative authorization from the consumer (if between 13 and 16) or from a parent or guardian (if under 13). Consumers who opt in to the sale of personal information can opt out at any time. To opt out, please contact us.

If you believe a child under 13 (or 16) has provided us with personal information, please contact us with sufficient details for us to delete that information.

Your Rights under CCPA/CPRA
As a California resident, you have the following rights:

  • Right to Notice: To be informed about the categories of personal data being collected and its usage.
  • Right to Know/Access: To request disclosure of information regarding our collection, use, sale, and sharing of personal information. Upon confirmation, we will disclose:
    • The categories of personal information collected.
    • The sources of the information.
    • The business or commercial purposes for collection or sale.
    • Categories of third parties with whom we share the information.
    • Specific pieces of personal information collected.
    • Categories of personal information sold or disclosed.
  • Right to Opt-Out: To direct us not to sell your personal information. To submit an opt-out request, please see the “Do Not Sell My Personal Information” section or contact us.
  • Right to Correct: To request correction of any inaccurate personal information.
  • Right to Limit Use and Disclosure: To request limitations on the use or disclosure of sensitive personal information.
  • Right to Delete: To request deletion of personal data under certain circumstances. Exceptions include completing transactions, detecting security incidents, debugging, exercising free speech, engaging in research, enabling internal uses, complying with legal obligations, or making other lawful uses.
  • Right Not to be Discriminated Against: You cannot be discriminated against for exercising your rights, such as denial of goods/services, different pricing, or lower quality of goods/services.

Do Not Sell My Personal Information
“Sell” or “sale” includes actions such as sharing personal information for valuable consideration. We do not engage in the sale of personal information in the traditional sense but allow Service Providers to use personal information for business purposes like advertising and analytics.

To opt out of the sale of your personal information, contact us. You may also opt out of interest-based advertising using the following platforms:

For mobile devices, you can adjust settings to limit ad tracking or location information collection.

Limit the Use or Disclosure of My Sensitive Personal Information
If you are a California resident, you may request to limit the use and disclosure of sensitive personal information to what is necessary for providing services or goods reasonably expected by consumers.

“Do Not Track” Policy
Our Service does not respond to Do Not Track signals. However, some third-party sites may track your activities. You can adjust browser settings to manage tracking preferences.

California Privacy Rights (Shine the Light Law)
California residents with an established business relationship can request information once a year about sharing personal data with third parties for direct marketing purposes.

Links to Other Websites
Our Service may contain links to external websites not operated by us. We recommend reviewing the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted on this page and notified via email or a prominent notice on our Service. The “Last updated” date will be revised. Regular review of this Privacy Policy is advised.

Contact Us
For any questions about this Privacy Policy, please contact us at: admin@txaffordablemortgageprotection.com