PRIVACY POLICY

Why do we have this notice?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What information do we collect?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • social security number and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we may continue to share your information as described in this notice.

How does this privacy thing work?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons sindeo chooses to share; and whether you can limit this sharing.

Reasons we can share

To limit our sharing, or if you have any questions:

Call: 1 (855) 746-3361 or visit us online at: https://www.sindeo.com/terms

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who we are and what we do

Who is providing this notice?

The online and mobile service of Sindeo, Inc.

How does Sindeo protect my personal information?

Sindeo cares about the security of your information. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also take reasonable steps (such as requiring a unique password) to verify your identity before granting you access to your account. Other measures include using HTTP over SSL encryption on our website to securely transmit any sensitive information. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from Sindeo, at all times. Despite these measures, in the event any information under our control is compromised as a result of a breach of security, Sindeo will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

How does Sindeo store and process my personal information?

Your information collected through Sindeo may be stored and processed in the United States or any other country in which Sindeo or its subsidiaries, affiliates or service providers maintain facilities. Sindeo may transfer information that we collect about you, including personal information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which Sindeo or its parent, subsidiaries, affiliates or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

How does Sindeo collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or give us your income information
  • Provide employment information or apply for a loan
  • Give us contact information

We also collect your personal information from others, such as credit bureaus, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes — information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Who can Sindeo share my information with?

Services for Sindeo advertising

Sindeo may use certain remarketing services to advertise on third-party websites to previous visitors to our site. This means that we may advertise to previous visitors who haven't completed a task on our site (like completing a loan application). This could be in the form of an advertisement on a search results page, or a site in the network of our remarketing partners.

Service providers

We may share your information with third-party business partners, such as Ellie Mae, for the purpose of providing Sindeo to you. Those business partners will be given limited access to your information as is reasonably necessary to deliver the Service, and we will require that such third parties comply with this Privacy Policy. Such business partners include loan origination systems, online analytics services, real-time mortgage eligibility and pricing services, and others. We may also outsource some of Sindeo's functions to third-party providers, such as data storage, technical and customer support, tracking and reporting functions, quality assurance testing, payment processing functions, and other services. We may share information from or about you with these third-party providers so that they can perform their services or complete your requests.

Instances where required

We will investigate and disclose your information where required to do so by law or subpoena or if we reasonably believe such action is necessary to exercise or protect the rights, property, or personal safety of Sindeo, our Users or others.

Change of control

We may sell, divest, transfer or otherwise change ownership of the Sindeo (including any shares in the company). Your information, such as customer names and email addresses, may be among the items transferred in such a transaction. Other events where your information could be transferred include corporate divestitures, mergers, acquisitions, bankruptcies, dissolutions, reorganizations, liquidations, similar transactions or proceedings involving all or a portion of the company.

What about cookies?

We may use cookies (a small text file containing a string of alphanumeric characters), web beacons (or "clear gifs"), local shared objects, and other analytics tools (collectively, "Cookies"), whether ours or third parties', in connection with your use of the Website and third party websites. Cookies are small data files that may have unique identifiers, and reside, among other places, on your computer or mobile device, in emails we send to you, and on our web pages. Cookies may transmit information about you and your use of the Website, such as your browser type, search preferences, data relating to advertisements that have been displayed to you or that you have clicked on, the pages you visit, and the date and time of your use. Cookies may be persistent or stored only during an individual session. We collect and use the analytics information Cookies collect in aggregate form such that it cannot reasonably be manipulated to identify any particular individual User. We use Cookies to measure traffic and usage trends for Sindeo.

What types of cookies does sindeo use?

Processes

These Cookies make the Website work in the way you expect.

Authentication, Security, and Compliance

We use these to prevent fraud, protect your data from unauthorized parties, and comply with legal requirements.

Preferences

These Cookies help the Website remember information about how you prefer the site to behave and look.

Notifications

We use these cookies to give us notice of information or options that we think could improve your use of the Website.

Advertising

These cookies make advertising more relevant to you and more valuable to advertisers.

Analytics

These Cookies help us understand how visitors use the Website.

How can i manage cookies?

It may be possible to disable some Cookies through your device or browser settings, but doing so may affect your ability to use the Website. The method for disabling cookies may vary by device and browser, but can usually be found in preferences or security settings.

What other tools does sindeo use to collect data?

Log files

Automatically reported by your browser or mobile device on accessing Sindeo, and we record. May include anonymous information such as your web request, Internet Protocol (“IP”) address, browser type, number of clicks, and other such information.

Device identifiers

Uniquely identify your mobile device when you access Sindeo.

Location tools

May include GPS coordinates (e.g., longitude and/or latitude).

Commercial and marketing communications

We may use the information we receive to communicate directly with you. We may send you promotional emails and offers. If you do not want to receive such email messages, you will be given the option to opt out or change your preferences. We also use your information to send you emails with important disclosures or mortgage updates. You may not opt out of these e-mails.

Our use of certain types of information we collect

We may use these tools, and the information they collect, to improve your Sindeo experience and monitor aggregate metrics such as total number of visitors, traffic, and demographic patterns.

Your choices about your information

You control your account information and settings: You can also stop receiving promotional email communications from us by clicking on the “unsubscribe link” provided in such communications. We make every effort to promptly process all unsubscribe requests. As noted above, you may not opt out of required-disclosure communications (e.g., account verification, status updates or other communications related to your application for a mortgage, changes/updates to Sindeo features, technical and security notices). If you have any questions about reviewing or modifying your account information, you can contact us directly at legal@sindeo.com.

Opting out of collection of your information for tracking/advertising

See above section "How can I manage cookies?"

How long we keep your user content

Following termination or deactivation of your User account, Sindeo may retain your profile information and User Content for a commercially reasonable time for backup, archival, or audit purposes.

Do not track

Although we do our best to honor the privacy preferences of our customers, we are not able to respond to Do-Not-Track signals from your browser at this time.

Children’s privacy

Sindeo does not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as Users. Sindeo and its content are not directed at children under the age of 13. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at legal@sindeo.com.

Your california privacy rights

California Civil Code § 1798.83 allows California residents to opt out or request information about the disclosure of their personal information to third parties for direct marketing purposes. To make a request, please email legal@sindeo.com.

How to contact us

If you have any questions about this Privacy Policy or Sindeo, please contact us at legal@sindeo.com.

Changes to our privacy policy

Sindeo may modify or update this Privacy Policy from time to time to reflect the changes in our business and practices, and so you should review this page periodically. When we change the policy in a material manner we will let you know and update the ‘last modified’ date at the bottom of this page.

Links to other web sites and services

We are not responsible for the practices employed by websites or services linked to or from Sindeo, including the information or content contained therein. Please remember that when you use a link to go from Sindeo to another website, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third party’s own rules and policies. In addition, you agree that we are not responsible for and we do not have any control over any third-parties that you authorize to access your User Content. If you are using a third-party website or service and you allow such a third-party access to your User Content you do so at your own risk. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources ovther than through Sindeo.

Definitions

Definitions

Companies related by common ownership or control. They can be financial and nonfinancial companies. We have no affiliates besides ourselves, Sindeo.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Sindeo does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Sindeo does not jointly market.

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