Loan Simple, Inc.
Loan Simple, Inc. (collectively, “Loan Simple,” “we,” “us,” or “our” as applicable) operates the loansimple.com website and related mobile applications for the solicitation, origination, servicing, and sale of mortgage loans (hereinafter referred to as the “Service”). This page informs you of our policies regarding the collection, use, and disclosure of personal information when you use our Service and the choices you have associated with that information.
Additional information regarding our privacy practices can be found on our Privacy Notice.
A. Types of Information We Collect:
We collect several different types of personal information for various purposes to provide and improve our Service to you. This includes:
1. Information You Give Us:
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:
- Email address;
- First name and last name;
- Phone number;
- Address, State, Province, ZIP/Postal code, City;
- Social Security Number;
- Credit scores and credit history;
- Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business;
For communications by phone, SMS, and email: By providing your contact information, including phone number and email address, you consent to receive automated calls, text messages, and emails from us for informational and promotional purposes. Your consent is not a condition of purchasing any products or services. Standard messaging and data rates may apply. You may opt out of phone and SMS communications by replying ‘STOP’ to any message received or by contacting us directly. You may opt out of email communications by using the ‘unsubscribe’ link provided in the email.
2.Information from Other Sources:
We may also collect this information from a wide range of other sources in order to provide you the Service. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.
We may also collect information that your browser automatically sends whenever you visit our Service or when you access the Service by or through a mobile device. This may include information such as:
- The name of the domain and host from which you access the Internet, including the Internet Protocol (IP) address of the device you are using and/or the IP address of your Internet Service Provider (ISP);
- The type and version of Internet browser software you use and your operating system;
- The date and time you access the Website, the length of your stay, and the specific pages that you access while visiting the Website; and/or
- The type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
We use this information to monitor the usage of our Service, assess performance, ensure technological compatibility with your device, and understand the relative importance of the information provided on the Service. We may also use this data to conduct statistical analyses on visitors’ usage patterns and other aggregated data
We may use and store information about your location if you give us permission to do so. We use this data to provide features of our Service, to improve and customize our Service. You can enable or disable location services when you use our Service at any time by way of your device settings.
B. How We Use Personal Information:
We use personally identifiable information you supply through the Site and Service to provide you with the Content you have requested. We may also use the information to communicate with you about new features, products or services, and/or to improve the services that we offer by tailoring them to your needs.
We may also use the collected information to:
- Provide and maintain our Service;
- Notify you about changes to our Service;
- Contact you if there is a problem completing a transaction you requested or to discuss your account;
- Allow you to participate in interactive features of our Service when you choose to do so;
- Provide customer support;
- Enable our financial services partners to implement automatic payments;
- Gather analysis or valuable information so that we can improve our Service;
- Monitor the usage of our Service;
- Detect, assess, prevent and address technical and performance issues;
- Understand the relative importance of the information provided on the Service;
- Conduct statistical analyses on visitors’ usage patterns and other aggregated data;
- Deliver to you relevant advertising from use of demographic and preference information such that advertising related to our Service is targeted to the users for whom they are most pertinent; and
- Provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information by following the unsubscribe link or the instructions provided in any email we send.
We reserve the right to use the information we collect about your computer, mobile or other device (including its geographic location), which may at times be able to identify you, for any lawful business purpose, including without limitation to help diagnose problems with our servers, to gather broad demographic information, analyze trends, track users’ movements around the Service, and to otherwise administer the Site and its related Service. Geographic location information about you and/or your computer, mobile or other device may specifically be used to show you content and sponsored messaging based on geographic location.
We may use a third-party service provider to analyze Site traffic in order to help us understand our customers’ and visitors’ needs and to continually improve our site. The data the service provider collects on our behalf may include search engine referral, affiliate referrals, traffic driven by banner ads or other online promotions, how visitors navigate around the site, and the most popular pages. We also collect certain technical information, such as the browser version and operating system. The information we authorize for collection by any such service provider shall be limited to anonymous, aggregate statistics. For example, we do not tie a specific visit to a specific IP address and we do not correlate this tracking with personally identifiable information. We reserve the right to use, transfer, sell, and share aggregated, anonymous data about our users as a group for any lawful business purpose, such as analyzing usage trends and seeking compatible advertisers, sponsors, clients and customers
In addition, as our business changes, we may buy or sell various assets. In the event all or a portion of the assets owned or controlled by us, our parent or any subsidiary or affiliated entity are sold, assigned, transferred or acquired by another company, the information from and/or about our Service users may be among the transferred assets.
We reserve the right to identify you from your Registration Information and/or to merge or co-mingle anonymous or non-personally identifiable data about you, your offline and online behavior, and/or your computer, mobile or other device (including its geographic location), with your Registration Information and/or other personally identifiable data for any lawful business purpose.
C.How We Collect Your Information:
When you interact with the Service, we automatically receive and record information on our server logs from your browser, including your IP address, “cookie” information, and the page you requested.
Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser for more information. Please note that by blocking any or all cookies, you may not have access to certain features, content, or personalization available through the Service. Should you decide, however, that you would like to register and sign in to special areas of our website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you will not be able to participate in certain areas of our website. Most browsers are defaulted to accept and maintain cookies.
We, as well as third-party vendors acting on our behalf (such as Google), may use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the WordPress or DoubleClick cookie) or other third-party identifiers to gather anonymous analytics and statistics about our Website and how it is are being used by our visitors so we can improve our Website. Our web server storage logs may collect the domain names, internet protocol addresses, the types of web browsers, and certain data of visitors to the website.
Data about your activities online may be collected for use in providing advertising tailored to your individual interests, either by us, or third parties. We may work with third parties such as network advertisers and ad exchanges to serve advertisements across the internet and may use third party analytics service providers to evaluate and provide us and/or third parties with information about the use of these ads on third party websites and viewing of ads and of our content.
We and these third-party vendors, including Google, may use third-party technologies together with our own first party technologies in order to analyze ad impressions, your use of ad services, and interactions with these ad impressions and ad services. The information collected may also include information about your visits to our Websites, include the pages you have viewed and what content you have seen. These third-party tracking technologies may be set to, among other things: (a) help deliver advertisements to you that you might be interested in; (b) prevent you from seeing the same advertisements too many times; and (c) understand the effectiveness of the advertisements that have been delivered to you.
3.How to Opt-Out of Third Party Tracking Technologies:
You can opt out of certain advertising by visiting the Network Advertising Initiative consumer opt out page at optout.networkadvertising.org, by using the Google Analytics Opt-out Browser Add-on available at tools.google.com/dlpage/gaoptout, or by visiting the Digital Advertising Alliance’s opt-out page at aboutads.info/choices. For more information on the privacy practices of Google, please visit Google’s Privacy & Terms web page: policies.google.com/privacy. Please note, at this time we do not respond to browser-based “do not track” signals.
D.How We Store Your Information:
Personal information received by Loan Simple from you or third parties may be stored and processed in the United States or any other country where we or our service providers maintain facilities.
E.How We Share Your Information:
Information about our customers is an important part of our business and we are not in the business of selling our customers’ personal information to others. We share personal information only as described below:
Under certain circumstances, we may be required to disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
We may disclose your personal information in the good faith belief that such action is necessary to:
- To comply with a legal obligation;
- To protect and defend the rights or property of Loan Simple;
- To prevent or investigate possible wrongdoing in connection with the Service; and
- To protect the personal safety of users of the Service or the public.
We may employ third-party companies and individuals, such as contractors, vendors, or distributors, to facilitate our Service, provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used (“Service Providers”). These third parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose to third parties or use it for any other purpose and are additionally required to keep it confidential.
4.Merger, Sale, Or Bankruptcy:
If we sell all or part of our business, or make a sale or transfer of our assets, or are otherwise involved in a merger or transfer of all or a material part of our business, or are involved in a bankruptcy, Loan SImple may transfer your information to the party or parties involved as part of that transaction.
F.How We Secure Your Information:
We are committed to ensuring that your information is secure. We use commercially reasonable efforts to protect your personal information collected, used, stored, shared, or transferred as part of our Service from access, loss, misuse, alteration, or destruction by any unauthorized party. You are also responsible for taking reasonable steps to protect your information against unauthorized disclosure or misuse such as by maintaining the confidentiality of your username and password, and logging out of your account when not using our Service.
1.Retention of Personal Information:
2.Internet Advertising and Third Parties:
Loan Simple’s offerings may include third-party advertising and links to other websites and applications. Third-party advertising partners may collect information about you when you interact with their content, advertising, or services.
4.Links to Other Websites:
If you choose to access, visit and/or use any third party social networking service(s) that may be integrated with or linked to the Service, we may receive personally identifiable information and other information about you and your computer, mobile or other device that you have made available to those services, including information about your contacts on those services. For example, some social networking services allow you to push content from our Service to your contacts or to pull information about your contacts so you can connect with them on or through our Service. Some social networking services also will facilitate your registration for our Service or enhance or personalize your experience on our Service. Your decision to use a social networking service in connection with our Service is voluntary. However, you should make sure you are comfortable with the information your third party social networking services may make available to our Service by visiting those services’ privacy policies and/or modifying your privacy settings directly with those services. We reserve the right to use, transfer, assign, sell, share, and provide access to all personally identifiable information and other information about you and your computer, mobile or other device that we receive through third-party social networking services in the same ways described in this Agreement as all of your other information.
Our Service does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personally identifiable information, please contact us. If we become aware that we have collected personally identifiable information from children without verification of parental consent, we take steps to remove that information from our servers.
H.Changes and Access to Your Personal Information:
For those with access to a loan serviced by Loan Simple, you can access most of your personal information that we collect online and maintain by visiting your profile in our website. This section of the website is password-protected to better safeguard your information. As an applicant or a borrower, you can update your password, email address, mailing address, and phone number at any time on the website. As a borrower, you can also update your payment and banking information. If you need to change any other sensitive information, including but not limited to your first/last name or Social Security Number, please contact us at (888)351-4333
Loan Simple, Inc.
Chief Compliance Officer
LOAN SIMPLE, INC. NMLS #3032
Attention: Consumer Relations Compliance Officer
9800 Mount Pyramid Ct., Suite 400
Englewood, CO 80112
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