Axiom Home Loan, LLC, maintains a cooperative of subsidiary real estate and home loan related websites and apps which are referred to in this document as “Axiom Home Loan” or “Sites” for purposes of clarity. The Axiom Home Loan is committed to keeping our individual and business clients informed about how we use the information we gather from users through the use of Axiom Home Loan work of websites.
Attn: Axiom Home Loan LLC
6939 Schaefer Ave Suite D-136
Chino, CA. 91710
1. What information does Axiom Home Loan collect from you or about you?
In order to better provide you with numerous products and services, our Sites collect two types of information about its visitors: Personally, Identifiable Information and Non Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient, and customized experience while using our Sites.
Personally Identifiable Information:
“Personally, Identifiable Information” refers to information that lets us know the specifics of who you are and can be used to identify, contact or locate you. Personally, Identifiable Information is requested when you register with us, order a product or service, fill out surveys, correspond with us, or otherwise volunteer information. Personally, Identifiable Information might include your name, mailing address, telephone number, mobile phone number, email address, and other identification and contact information. For example, certain online forms on our Sites request that consumers provide financial details about their property search, household income and credit history. For realtors, this may include a personal photo, a personal URL or a description of your practice. We may also collect certain financial information, like your credit card number or checking account details (or a physical check or money order if using such payment method while ordering via mail); whenever we do so, we will attempt to provide a link to this Policy so that you can confirm how this information will be used.
Non Personally Identifiable Information:
“Non-Personally Identifiable Information” refers to information that does not identify a specific individual by itself or in combination with other information. This information typically relates to your activity on our Sites, and may include the websites‘ Uniform Resource Locator (URL) that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol (IP) address. A URL is the global address of documents and other resources on the Internet. An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network, such as the Internet. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Internet, allowing Internet servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop. This information may be compiled and analyzed on both a personal and an aggregated basis.
2. Where do we collect information from you and how do we use it?
Our primary goal in collecting information is to provide our customers and clients with a superior customized online experience. Among other things, we use customer contact information to relay information and communications, contact prior subscribers to inform them of their order status, to remind individuals of events or the availability of property types through our alert service(s), and to send service emails, newsletters, and promotional emails from us or third parties. We may perform statistical analyses of aggregate or segmented customer behavior. This allows us to measure relative interest in the various areas of our Sites for development purposes and to improve the design of our Sites. We may also use information to notify you about updates to our Sites, to complete user initiated transactions, and to contact you directly, or through our third-party service partners, for marketing purposes. In addition, we may seek to update your personal information in our records through third party services that provide updated names, emails, addresses, phone numbers, and other information. We may then use this acquired information to enhance our services or marketing efforts to you.
Newsletters & Promotional Emails:
We may offer free electronic newsletters and promotional emails for products and/or services offered on our Site, or from our third-party partners, as a service to our customers from our Sites. We may send you newsletters and emails periodically listing current specials and deals from us or through our third-party service partners. There may be opportunities to subscribe to an email list that will send you information about the events on our Sites, but we will only add you to the list with your consent. You may opt out of receiving any such newsletters and promotional emails as described below.
Other Information You Provide:
If you contact us by telephone, email or letter, we may keep a record of your contact information, correspondence or comments. If you report a problem with our Site, we may collect such information in a file specific to you. If you provide us feedback through our Sites, by email or by calling one of our customer service representatives, we may ask for your name and email address in order to send you a reply. If other users or third parties send us correspondence about your activities on our Sites, or if you are the recipient of products sent by another customer, we may keep the information in a file specific to you. We store this information for the purpose of sending one or more emails in connection with such an event.
Greeting, Hint and Reminder Services:
If you choose to use an email a friend, reminder, or other service on our Sites, we may ask for and store the name, email address, mailing address, telephone number, mobile phone number, other identification and contact information, of you or another person so that we may send them or you a message about an event. We store this information for the purpose of sending one or more electronic newsletters or promotional emails in connection with such an event. Misuse of our service by providing false email addresses or posing as someone else when sending a greeting or email may result in legal action and the disclosure of information about you, including your computer’s IP address, as part of any investigation into your actions.
With respect to our co-branded sites maintained by us in conjunction with our business partners, we may share information collected by us to our business partners under our separate agreements with them. These business partners may use your personal information to communicate with you about offers from us as well as offers from such partners. If you opt out of receiving newsletters and promotional emails from us, you will automatically opt out of receiving newsletters and promotional emails from such business partners through their use of personal information which we collected from you on our co-branded sites and which we provided to such business partners. We may ask you to share your information with our business partners via an opt in or opt out request on such sites. Please note that with respect to personal information our third-party business partners may collect from you independent of us and outside the scope of co-branded or private label sites maintained by us on our servers, we will have no control over the use of such information by such third-party business partners and the use and gathering of such data will be subject to the third party’s privacy policies.
Non Personally Identifiable Information:
We use Non Personally Identifiable Information to analyze request usage patterns, and other customer behavior so that we may enhance our Site, products and services, and for our marketing purposes. For example, this allows us to measure relative customer interest in the various areas of our Sites for development purposes and to improve the design of our Sites. We also may use your IP address to diagnose problems with our servers and software and to administer our Sites. We reserve the right to use and disclose Non Personally Identifiable Information to any third-party in our discretion. For example, we may share aggregated or segmented statistics about pages viewed on our Site and sales and other shopping information with third parties.
3. Who is collecting your information?
Except as otherwise expressly discussed in this Policy, we are the only entity collecting your information. This Policy only addresses the use and disclosure of information we collect from you online via the Sites. We encourage you to ask questions and to be very cautious before you disclose your Personally Identifiable Information to others.
Third-Party Advertising Service Partners:
4. With whom do we share your information?
Except as otherwise stated in this Policy, we do not sell, trade or rent your Personally Identifiable Information collected on our Site to others. You expressly consent to the sharing of your Personally Identifiable Information with third-parties as described below.
Third-Party Service Providers:
We may share your Personally Identifiable Information with our third-party service providers for tracking purposes, to charge your credit card (or process your check or money order, as appropriate), fill your subscription, improve the functionality of our Sites, customize our marketing efforts with you and perform statistical and data analyses, deliver promotional emails to you from us, or to provide us other services we request. These third parties may not use your Personally Identifiable Information other than to provide the services requested by us.
For example, we must release your credit card number to confirm payment. We also share website usage information we gather from visitors to our Sites who have received a targeted promotional campaign with our third-party advertising service partner for the purpose of targeting future campaigns and upgrading visitor information used in reporting statistics. For this purpose, we and our third-party service partners note some of the pages you visit on any one of our Sites through the use of clear GIFs.
Of course, the core purpose of the Sites is to facilitate the introduction of individuals searching for property or home loans and participating Real Estate/Mortgage Professionals. Therefore, we will be sharing certain Personally Identifiable Information with Axiom Home Loan Network participants. This will not include any payment or credit card data, but will include information, such as your contact details, property description, and other basic information you have voluntarily submitted on Axiom Home Loan Networks.
Direct Marketing Companies:
From time to time we may disclose certain information (names, postal addresses and non-sensitive transactional information) to direct marketing companies for trade or rental purposes. You may opt out of this disclosure as described below.
Your California Privacy Rights:
In certain circumstances under California law, consumer customers of Axiom Home Loan Networkare entitled to certain information regarding any personally identifiable information (as defined by certain California laws) we may share with direct marketing companies. Personally identifiable information generally is defined under California law as information that identifies specifics about an individual and can be used to identify, contact, or locate an individual including that individual’s name, mailing address, telephone number, mobile phone number, email address and other identification and contact information. If you are an eligible customer of Axiom Home Loan Networkand would like to receive a list detailing the types of personally identifiable information we share with direct marketing companies and the names and addresses of all direct marketing companies that we provide personally identifiable information to, please email us at email@example.com . We will respond to any request for information at such email address within thirty (30) days.
Non-personally Identifiable Information: We may provide non-personally Identifiable Information, including aggregated or segmented statistics about our customers, sales, traffic patterns, and related site information, to third parties.
Friends and Other Third Parties You Select: If you are using an email a friend or reminder service on our Sites, then you may have the option of sharing your Personally Identifiable Information, as well as information that you have entered regarding third parties, with others. If you share this information with third parties, these parties may disclose or use this information in ways not described in this Policy.
Third-Party Partner Companies:
If you provide any of our third-party partner companies with consent for Axiom Home Loan Network to provide your Personally Identifiable Information to such company, then we will provide such information to them. You acknowledge and agree that we may rely on the third-party company’s representation that it has received such consent.
Enforcement of Law and Other Disclosures:
We may disclose Personally Identifiable Information if we believe in good faith that such disclosure is necessary to comply with relevant laws or to respond to subpoenas or warrants served on us or to protect or defend the rights, property, or safety of our users, other and ourselves. For example, we may release account information when we believe that such release is reasonably necessary to enforce or apply our Terms and Conditions of Use or to protect or defend the rights, property and safety of our users, others and ourselves. We may be required by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order or subpoena or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.
Merger and Acquisitions:
In the event of a merger, consolidation, or sale or transfer of all or substantially all of the assets or business of our corporate entity or Sites, one of the assets that would generally be transferred is the information we collect from our visitors and customers (including both financial records and consumer information). However, the use of this information by any successor entity would still be governed by the terms of this Policy, as amended from time to time, including any amendment after such transaction.
5. How may you update, correct or delete your Personally Identifiable Information?
Information About You: During the online registration and profile management process you can review, change or delete the information that you have submitted. You may change any of your personal information in your account(s) online at any time. You may ask us in writing via mail or email at firstname.lastname@example.org to have the information on your account deleted, updated or corrected; however, because we keep track of past transactions, you cannot delete information associated with past purchases. We may also be required by law or otherwise to keep certain information and therefore will not delete it or will delete it only after we have fulfilled the applicable requirements. Note that we may retain changed or deleted information for archival or other purposes.
Information About Others: As described above, if you are using an email a friend or reminder service on our Sites, we may ask you to provide certain information about you or a friend or other third parties. You, the friend, or other third-party, may contact us at email@example.com to request the removal of such information from our database.
6. What are your choices regarding marketing correspondence?
Our Newsletters and Promotional Emails:
You will have the choice to opt out of receiving newsletters and promotional emails for products and/or services offered on any one or more of our Sites. Once we have processed your request, we will not send you promotional emails with respect to products and/or services offered by us through the Sites unless you opt back in to receiving such communications.
You can opt out of receiving newsletters, promotions, non-transactional related emails or phone calls from us either (a) by following the unsubscribe instructions in the applicable email you receive from us (if applicable), (b) while you are completing our online web form (if applicable), (c) by calling us at 833-436-7693, or (d) by sending an email to us at firstname.lastname@example.org
Our Operational Emails:
Despite your choices regarding promotional emails, we may continue to send you Operational Emails. Please note that our Operational Emails about your subscription or account may contain some additional marketing offers from us or our trusted third-party partners, but the primary purpose of such Operational Emails is to inform you about your account. Should you not wish to receive such Operational Emails from us, please do not register on our Sites.
If we send you a communication requesting your consent or permission (a “consent”) in connection with this Policy or our Terms and Conditions (including a consent to modifications thereto), such consent is deemed to be given unless (a) you contact us to withhold such consent within the time stated in the communication (“opt out”) or (b) applicable law expressly prohibits an opt out with respect to such request for consent.
7. What security precautions are in place to protect against the loss, misuse or alteration of your information under our control?
We employ reasonable security measures to protect the security of the information you submit to us. Our servers protect this information using password protection and advanced encryption, and we may use firewall technology for additional protection.
In order to most efficiently serve you, credit card transactions and checking account transactions are handled by established third-party banking institutions, process agents and distribution institutions. They receive the information they need to verify and authorize your credit card transactions and to process your request. When collecting credit card information for online purchases, we offer secured server transactions that encrypt your information in transit to reduce the chance of someone intercepting it and misusing it. When you access your account information, the information is kept on a secure server. Furthermore, all of the customer data we collect is protected against unauthorized access by physical security means.
We also encourage our partners and service providers to adopt and follow stringent consumer privacy policies.
8. Cookies/Clear GIFs.
Cookies: Like many other commercial sites, our Sites utilize standard technologies called “cookies” and clear GIFs to collect information about how our Sites are used. A cookie is a small data text file, which a website stores on your computer’s hard drive (if your web browser permits) that can later be retrieved to identify you to us. Cookies were designed to help a website recognize a user’s browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie cannot be read by a website other than the one that set the cookie. Cookies can securely store a customer’s password, personalize home pages, identify which parts of a site have been visited or keep track of selections, such as those selected in a “shopping cart.”
We send a cookie to your hard drive when you register initially. No Personally Identifiable Information is recorded. When you click through to our Sites from a promotional email, our third-party advertising service partner may send a cookie to your hard drive recording your IP address and other related information.
Clear GIFs: At times, we work with third-party service partners such as Google AdSense that employ clear GIFs (also known as pixel tags, single pixel GIFs, web beacons or action tags) for our benefit or the benefit of a third-party to help us or such third-party measure advertising effectiveness. Clear GIFs help to better manage content on our Sites by informing us of what content is effective. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of our users. The main difference between the two is that clear GIFs are invisible on the page and are much smaller, about the size of the period at the end of this sentence. These third-party service partners use clear GIFs: (i) in HTML based emails to let us know which emails have been opened by recipients; (ii) to record when products have been ordered from our Sites; and (iii) to track the visitor traffic on our Sites. These clear GIFs allow us to measure the usage of our Site by our visitors and the effectiveness of certain communications and marketing campaigns. We may also use clear GIFs in a similar manner in our own emails and on our Site.
9. Children and privacy.
The Children’s Online Privacy Protection Act took effect on April 21, 2000, and imposes certain requirements on websites directed toward children under 13 that collect information on those children, or on websites that know they are collecting Personally Identifiable Information from children under the age of 13. We want to let you know that it is our policy not to collect Personally Identifiable Information from any person under 13 because children are not permitted to use the Sites or services on the Sites, and we request that children under 13 not submit any personal information to us via the Sites. If we learn that we have inadvertently gathered Personally Identifiable Information from children under 13, we shall erase such information from our records and terminate the applicable account.
10. Right to Opt-out.
This Right to Opt-Out Policy encompasses Axiom Home Loan, LLC and its subsidiary, the Axiom Home Loan Network. Emails will primarily originate from AxiomHomeLoan.com but may occasionally arrive from one of the Cooperative’s other domains. All emails from the Axiom Home Loan Network (referred to in this policy document simply as AxiomHomeLoan.com) are covered by this Right to Opt-Out. Note that opting out of important service related emails may prevent AxiomHomeLoan.com from providing services requested.
(a) California & Canadian Users: Your California Privacy Rights. California’s “Shine the Light” law, Civil Code section 1798.83, requires certain businesses to respond to requests from California customers asking about the businesses’ practices related to disclosing personal information to third parties for the third parties’ direct marketing purposes. Alternatively, such businesses may have in place a policy not to disclose personal information of customers to third parties for the third parties’ direct marketing purposes if the customer has exercised an option to opt-out of such information sharing. We have such a policy in place. Section 10(d) explain our practices and how you can opt-out of having your information shared with third parties for the third parties’ direct or indirect marketing purposes, in accordance with such laws. In addition to reviewing Section 10(d), if you wish to find out about any rights you may have under California Civil Code section 1798.83, you may notify us in writing at Axiom Home Loan, 6939 Schaefer Ave., Suite D-136, Chino, CA 91710 or by contacting us at email@example.com . For the avoidance of doubt, these opt-out options are available for all users and are not limited to Californian and Canadian users.
(b) Mobile Opt-out. We may provide you messages, including marketing, via your wireless email address or by short message service (“SMS Service”), WAP or Mobile Services as described in Section 6. You may opt-out of these messages from us by replying “STOP” or following the instructions provided in the message.
(c) Marketing provided by third parties. From time to time we may send you promotional materials on behalf of third parties. If you want us to stop sending you promotional materials to your email, please follow the unsubscribe instructions in the email or other electronic methods. We do not send physical mail for advertising purposes.
(d) Marketing provided by Third Parties. From time to time we may disclose your contact information to third parties to allow them to market their products or services to you or for other marketing purposes. This may be information we received from you offline and online. If you want us to stop further sharing your email contact information with third parties (if we have your email contact information), you may notify us at firstname.lastname@example.org
(e) Exceptions. If you have opted-out as described above, and thereafter you elect to use a service or promotion that requires us to contact you or share your information with a third party (e.g., you enter into a contest or sweepstakes or use an ecommerce service after opting-out), then your previous opt-out preferences will not apply to such service. Despite your indicated preferences, we may send you service related communications, including notices about your subscription, and we may continue disclosing your information to third parties under the Service Provider Exception, Legal Exceptions, and Acquisition Exception described above. Please provide ALL of your email addresses so that we can take the proper measures to ensure that you are not being sent emails to those addresses and unintentionally forwarding those emails to the single email address that has been added to our do not email list.
(f) Device Settings. Our digital applications may provide you alerts and you can change your preferences regarding these alerts through your device settings.
11. You should carefully review privacy policies of any third-party sites accessible from any of our Sites and any co-branded websites not covered by this Policy.
We also may have co-branded websites that are maintained by us in connection with one or more of our third-party business partners but which sites do not contain this Policy or a link to this Policy. When you submit information to one of these websites, the websites may share your information with Axiom Home Loan Network and our third-party business partners or just with our third-party business partner. Note that these websites may contain, or link to, privacy policies that contain terms and conditions different than those contained in this Policy. Again, this Policy only pertains to the information Axiom Home Loan Network collects from the Sites and we are not responsible for the privacy policies or practices of our business partners. We encourage you to read the privacy policies of those co-branded sites so that you will always know what information we gather and what information is gathered by our third-party business partner, how each of us might use that information, to whom each of us will disclose it and what choices you have.
12. Contacting us about privacy questions or concerns.
If you have any questions about this Policy, the practices of any of our Sites, or your dealings with any of our Sites, please contact us by sending a letter to: Axiom Home Loan, 6939 Schaefer Ave., Suite D-136, Chino, CA 91710 or by sending an email to email@example.com .
13. Policy changes.
This Policy was last changed on April 4th 2019. If we make changes to any terms or conditions of the Policy, the changes will be posted on this portion of the Site so that you will always know what information we gather, how we might use that information, to whom we will disclose it and what choices you have. Any change, modification, addition or removal of portions of this Policy will be announced on our Site. Please be sure to check this page before proceeding to use our Sites