Privacy & Security Center

ICE Privacy Policy

Last updated: May 2024 / Effective date: May 2024

Purpose & Scope

This Privacy Policy (this “Privacy Policy”) describes how and why Intercontinental Exchange, Inc. ("ICE"), New York Stock Exchange LLC ("NYSE") and the ICE affiliates here: ice.com/privacy-policy (each an "ICE Affiliate") who post this Privacy Policy on their website (the “Websites”), collect and process information that may be used, directly or indirectly, to identify you (“Personal Information”), how this Personal Information is protected, and your rights in relation to it. Offline collections of your Personal Information are governed by separate privacy policies, including the ICE Events Privacy Policy.

ICE Affiliates provide services through www.theice.com, www.nyse.com, or www.intercontinentalexchange.com; any other Websites where this Privacy Policy is posted; and any software application made available by ICE, NYSE or an ICE Affiliate for use on a computer, tablet, mobile phone or other mobile device (together, the "Digital Services"). The Digital Services are owned and operated by ICE. Unless this Privacy Policy states otherwise, in this Privacy Policy, the terms "us", "we" or "our" refer collectively to ICE, NYSE and the ICE Affiliates.

This Privacy Policy applies only to the Personal Information collected through the Digital Services. It does not apply to access to ICE's electronic trading platforms, whether provided through the Internet or by other means. Access to ICE's electronic trading platforms is limited to members and participants of the relevant market who have entered into off-line agreements with ICE or an affiliate of ICE for such access, and is governed by the terms of those off-line agreements. Such agreements also explain how the Personal Information collected by ICE's electronic trading platforms is processed.

Your use of the Digital Services is subject to ICE's Terms of Use, available from our homepage, including any applicable limitations on damages.

California Consumer Notice of Collection

This Privacy Policy is provided to all California consumers subject to this Privacy Policy. You may access specific topics in this Privacy Policy by clicking on the relevant links below:

Changes to this Privacy Policy

Collection of Personal Information

Use of Your Personal Information

Cookies & Other Tracking Technologies

Disclosures & Onward Transfers

Your Choices

International Transfers of Personal Information

Your Rights in Relation to Your Personal Information

Security & Retention

Your Security Obligations

Children

Other Sites

California Shine the Light

Additional Terms

1. Changes to this Privacy Policy

This Privacy Policy is current as of the effective date set forth above. We reserve the right to change this Privacy Policy from time to time. Changes and modifications to this Privacy Policy will be effective immediately upon posting of the changes and modifications on the Digital Services, except where prohibited by law. You should therefore periodically visit this page to review the current Privacy Policy. If we change this Privacy Policy, we will notify you of the changes by updating the effective date at the top of this policy and, if required by applicable laws, by other means, such as email or notice within the Digital Services. If at any time you choose not to accept the terms of this Privacy Policy, you should not use the Digital Services.

2. Collection of Personal Information

Personal Information We Collect Directly from You

We collect, or have collected in the previous 12 months, Personal Information from you when you use the Digital Services. The type of Personal Information that we collect from you depends on your particular interaction with the Digital Services. We collect Personal Information from you directly (such as your registration information), automatically (via technologies such as cookies), and from other sources, including commercially available sources, such as public databases (where permitted by law).

We require you to register with the Digital Services to access certain features. When we do, we may collect the following information from you during the registration process:

Identifiers, such as your name, date of birth, age, address, country of residence, phone number, email address, account login and password, or other identification details;
Commercial information including records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
Sensitive Personal Information such as precise geolocation information, biometric data, and data pertaining to race, ethnicity, religious beliefs, sexual orientation data, or military status;
Education information, such as the information included in your curriculum vitae;
Professional information, such as your job title, company, or investor type;
Financial information, such as your credit card information when making a purchase through the Digital Services (a third party service provider processes these transactions on our behalf and will collect from you your contact information (such as your name, address, and e-mail) and financial information (such as credit card number and expiration date));
Audio, electronic, visual, or similar information, such as photographs or voice recordings; and
Your preferences, such as how often you wish to receive marketing or other communications.

Personal Information We Collect Automatically

We and our third party service providers use cookies, web beacons, and other tracking technologies to collect Personal Information about you automatically as you use our Digital Services. Examples of this type of Personal Information include, but are not limited to:

Information about your estimated location as may be determined from the IP Address; and
Information about the device you are using, such as:
Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information;
Browser language and type;
Domain name system requests;
Browsing history, time spent at a domain, time and date of your visit, number of clicks, or location data;
HTTP headers, application client and server banners;
Hardware model, operating system, application version number, device or browser data;
Personal Information that is aggregated, anonymized, or otherwise rendered non-identifiable (collectively “Nonidentifiable Data”) ; and
Internet or other electronic network activity information, such as the dates and times of your use of the Digital Services, the route by which you choose to access them, and your use of any hyperlinks or downloadable content available on the Digital Services.

We may combine this information with other Personal Information that we collect about you. For additional information about our use of these technologies, please see “Cookies & Other Tracking Technologies” below and our Cookie Policy.

Personal Information We Collect From Third Parties

We also collect information about you from third party sources, including suppliers that help us prevent money laundering and fraud; marketing agencies; identity verification services; and analytics providers. The categories of Personal Information we collect from these sources are:

Identifiers, such as your name or date of birth;
Commercial information;
Audio, electronic, visual, or similar information, such as photographs or voice recordings;
Financial information;
Professional Information, such as your employer name;
Education information;
Internet or other electronic network activity information; and
Inferences derived from the Personal Information listed above.

Please note that we may be required by law to collect and use certain Personal Information about you. And we may need to collect and use Personal Information to enter into or fulfil a contractual obligation with you. Failure to provide this information may prevent or delay the fulfilment of our obligations in these circumstances.

Where you provide Personal Information to ICE for purposes of providing services (“Customer’s Personal Information”), ICE acts as a Service Provider with respect to such Customer’s Personal Information. Our customers are responsible for providing notice and obtaining appropriate consents to collect Customer Personal Information and to disclose it to us as their service provider. If you are a borrower, you should refer to our customers’ privacy notices and/or contact them directly to understand how your Personal Information will be collected, used, and disclosed.

3. Use of Your Personal Information

We primarily use your Personal Information to provide our services to you and to respond to your inquiries. We also may use your Personal Information as follows:

To communicate with you, including to respond to your comments or requests for information, to request feedback on our products and services, and to notify you about changes to your subscriptions or to the services and products you use;
To help us understand our customers, to tailor and enhance our product and service offerings, anticipate and resolve problems with any products or services supplied to you, create products or services that may meet your needs;
To provide access to restricted pages or contents of the Digital Services (e.g., password protected webpages);
To comply with legal and/or regulatory requirements and cooperate with regulators and law enforcement bodies;
To facilitate your activity and to identify you when you log into your account on our Digital Services;
To send you marketing communications and advertising in line with your communications preferences and where permitted by applicable law about products and services that we believe would be of interest to you, including products and services offered by third parties;
To evaluate the success of our advertising campaigns, to improve our products and services, to assess patterns of use, and to plan and evaluate our marketing and business development programs; and
To protect our rights, your rights, and the rights of others, and to meet our own high standards of business practice.

Information For European Users

Some of the processing we conduct may involve making decisions about you based on automated processing of your Personal Information. If you are in the European Economic Area or the United Kingdom, where these decisions are based solely on our automated processing of your Personal Information (e.g., not subject to human review), these types of decisions will not have legal or similar effects on you, but you can still contact us for further information and to object to this use of your Personal Information.

Under European privacy law, we must have a legal basis to process Personal Information. In most cases the legal bases for our processing, under European privacy law, will be one of the following:

To fulfill our contractual obligations to you, for example to provide the Digital Services or to ensure that invoices are paid correctly for services provided pursuant to a contract;
To comply with our legal and/or regulatory obligations, for example to: obtain proof of your identity to enable us to meet our anti-money laundering obligations; comply with legal and/or regulatory requirements and cooperate with regulators and law enforcement bodies; and protect our rights, your rights, and the rights of others, and to meet our own high standards of business practice; and/or
To meet our legitimate interests, for example to: understand how you use the Digital Services and to enable us to use this knowledge to improve our products and services and to develop new ones; to communicate with you about the products and services that you use or we offer; maintain our accounts and records; to assess patterns of use; and to plan and evaluate our marketing and business development programs. When we process Personal Information to meet our legitimate interests, we put in place, when needed, safeguards designed to protect your privacy interests, freedoms, and rights under applicable laws.

We may obtain your consent to collect and use certain types of Personal Information when we are required to do so by law (for example, in relation to some direct marketing activities, our use of cookies and tracking technologies or when we process Sensitive Personal Information). If we ask for your consent to process your Personal Information, you may withdraw your consent at any time by contacting us using the details at the end of this Privacy Policy.

We may anonymize your Personal Information and use it for other purposes. For example, we may prepare aggregated reports about how users interact with the Digital Services for research. Once anonymized, the data is generally no longer treated as Personal Information under applicable law.

4. Cookies & Other Tracking Technologies

We use cookies and other technologies to automatically collect information when you access the Digital Services. For more information, please see our Cookie Policy.

Our systems generally recognize commercially reasonable opt-out preference signals (e.g., Global Privacy Controls). Recognition of this signal will only occur with respect to the device and/or browser that communicates the signal such that you may need to update your preferences on every device or browser you use to access our services.

5. Disclosures & Onward Transfers

We disclose, or have disclosed in the prior 12 months, the categories of Personal Information described above for our business purposes to the following persons/entities. In some instances, the Personal Information disclosed to these third parties may include Sensitive Personal Information.

Third Party Service Providers: To enable us to more efficiently provide the products and services you have requested from us, we may disclose your Personal Information to selected entities that act on our behalf as our agents, suppliers, or providers, or these entities may collect your Personal Information on our behalf. These service providers may provide services such as marketing support, technical assistance, data hosting, payment processing and customer service support. We also engage third-party analytics providers to help us understand how users engage with the Digital Services. These analytics providers may use cookies and similar technologies to collect information about your use of the Digital Services as well as information about your use of other websites over time.

Subsidiaries and ICE Affiliates: We disclose Personal Information to subsidiaries and the ICE Affiliates for the purposes of providing the services you have requested and to fulfil our contractual obligations to you, and to fulfil legal and regulatory obligations. We may also disclose Personal Information to subsidiaries and affiliates for their marketing use and so that they may develop and improve products and services, and subject to applicable law send you promotional and informational communications.

Legal Compliance and the Protection of Our Rights: We will disclose Personal Information to regulators, government authorities, and third parties where we believe it is necessary to comply with a court order, subpoena, or regulatory request. We may also disclose your Personal Information to law enforcement upon request. We may disclose Personal Information when we believe in good faith that such disclosures will: help protect our rights or enforce our Terms of Use; support our detection of, prevention of, or response to fraud or intellectual property infringement; help protect your safety or security; or protect the safety and security of the Digital Services, our services, or any individual.

Transfer of Business Assets: As we continue to develop our business, we might acquire or buy other businesses or assets. In such transactions, Personal Information generally is one of the transferred business assets. Also, we may transfer any information we have about you as an asset to third parties in connection with the consideration, negotiation, or completion of a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of ICE, NYSE and/or the ICE Affiliates, or as part of a corporate reorganization or stock sale or other change in corporate control, for the purposes of such third parties carrying on our business in relation to the continued provision of our services to you as described in this Privacy Policy.

Disclosures Made with Consent: We may disclose your Personal Information with other third parties for whom you have given us written authorization to disclose your Personal Information, or as otherwise allowed or required by applicable law.

Additional Disclosures: From time to time we disclose your Personal Information to our attorneys, banks, auditors, securities brokers and other professional service providers and advisors in connection with the purposes described above.

Because we operate as part of a global business, the recipients referred to above may be located outside the jurisdiction in which you are located (or in which we provide the Digital Services). See the section on "International Transfers of Personal Information" below for more information.

6. Your Choices

If you wish to stop receiving marketing information concerning our services or products, or if you wish to withdraw any consent that you have provided, please contact us by email or submit a request at Privacy Web Form to notify us of your wishes.

7. International Transfers of Personal Information

We may transfer, process, and store your Personal Information outside of your home country, including in the United States and Canada. For the avoidance of doubt, if you are resident in the European Economic Area ("EEA") or the United Kingdom (“UK”) this may include the transfer of your Personal Information from within the EEA or UK to a country outside of the EEA or UK. We have put in place appropriate safeguards for international transfers, such as Standard Contractual Clauses approved by the European Commission and the UK Addendum to the Standard Contractual Clauses, as well as technical safeguards in accordance with legal requirements and the recommendations of the European Data Protection Board. For more information on the appropriate safeguards in place, please visit: ice.com/security

8. Your Rights in Relation to Your Personal Information

Subject to local law, you may have certain rights regarding your Personal Information. These may include, depending on the circumstances, the following rights to:

Access your Personal Information;
Rectify the Personal Information we hold about you;
Erase/Delete your Personal Information;
Restrict our use of your Personal Information;
Object to our processing of your Personal Information;
Receive your Personal Information in a usable electronic format and transmit it to a third party (also known as the right of data portability);
Receive additional information regarding the sources from which we collect information, the purposes for which we collect and disclose Personal Information, the information of yours we hold, and the categories of parties with whom we disclose your information;
Limit the processing of your Sensitive Personal Information;
Opt-out of profiling in furtherance of a legal or similarly significant decision;
Opt-out of targeted advertising;
Opt-out of the “sale” or “sharing” of Personal Information (as those terms are defined by applicable law);
Opt-out of automated decision-making that produces a legal or similarly significant decision;
Lodge a complaint with your local data protection authority; and
Withdraw any consent you have given to uses of your Personal Information.

California law requires that we describe certain disclosures of Personal Information that involve monetary or other consideration. California law treats such disclosures as “sales” or “sharing” even if no money is exchanged. As disclosed in Section 5, above, we may disclose the Personal Information described in this Privacy Policy with subsidiaries, affiliates, and business partners for their marketing use and so that they may develop and improve products and services, and subject to applicable law send you promotional and informational communications. Some such disclosures may constitute “sales” or “sharing” under California law.

You have the right to opt-out of the sale or sharing (as described above) of your Personal Information. You may exercise that right visiting our Cookie Policy (link to the cookie panel) and setting your cookie preferences there.

If you would like to discuss or exercise the rights you may have, you may contact us as described below in the “Contact Us” section. Note that, as required by law, we will require you to prove your identity. We may verify your identity by phone call or email. Depending on your request, we will ask for information such as your name or the date of your last transaction with us. We may also ask you to provide a signed declaration confirming your identity.

In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf. We will require verification that you provided the authorized agent permission to make a request on your behalf, and we may require you to verify your own identity directly with us.

Depending on where you are located, you may also have the right to appeal a decision that we make relating to your request to exercise a right related to your Personal Information. If you are a registered user of the Digital Services, you may access your personal account information online and make changes by logging into your account.

You may exercise your rights without fear of discrimination or of being denied goods or services. We may, however, provide a different level of service or charge a different rate as permitted by applicable law.

9. Security & Retention

We have put in place certain safeguards to help prevent unauthorized access and maintain data security with respect to your Personal Information. Despite these protections, however, we cannot guarantee that your data will be 100% secure. You should take measures to protect your Personal Information. In case there is unauthorized access to or use of your Personal Information, we may notify you of such access or use, including by electronic means if permitted by law.

We retain your Personal Information for as long as we have a relationship with you and for a period after the relationship has ended. When determining how long to keep your Personal Information after our relationship with you has ended, we take into account how long we need to retain the information to fulfil the purposes described above and to comply with our legal obligations, including regulatory obligations. We may also retain Personal Information to investigate or defend against potential legal claims in accordance with the limitation periods of countries where legal action may be brought.

10. Your Security Obligations

Your online access to certain of your Personal Information may be protected with a password you select. We will never ask you for your password in any unsolicited communication (such as letters, phone calls or email messages). You have an obligation to keep your user ID, password and Personal Information secure. As part of maintaining this obligation we recommend that you do the following:

Keep your user ID and password confidential;
Utilize a unique password and change it frequently;
Make sure others are not watching you enter your user ID and/or password on your keyboard when using protected elements of the Digital Services; and
Do not leave your computer unattended while logged onto protected elements of the Digital Services. After you finished accessing your information, exit the protected area.

11. Children

The Digital Services are not intended for use by minors (persons under the age of 18 and, in those Canadian provinces where the age of majority is 19, persons under the age of 19). We do not knowingly sell the Personal Information of minors under 16. If you are a minor, do not use the Digital Services. If parents or guardians believe their minor children have accessed the Digital Services and provided their Personal Information, please contact us using the information provided in the “Contact Us” section of this Privacy Policy so that we may delete the information.

12. Other Sites

Our Digital Services may contain links to other websites or products that we do not own or operate. Also, links to the Digital Services may be featured on third-party websites on which we advertise. Except as provided herein, we will not provide any of your Personal Information to these third parties without your consent. We provide links to third-party websites as a convenience to the user. These links are not intended as an endorsement of or referral to the linked websites. We recommend you read carefully the privacy statements, notices and terms of use of any linked websites. We do not have any control over such websites, and therefore we have no responsibility or liability for the manner in which the organizations that operate such linked websites may collect, use or disclose, secure and otherwise treat your Personal Information.

13. California Shine the Light

Under California’s “Shine the Light” law, California residents who provide Personal Information in obtaining products or services for personal, family or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of Personal Information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g., requests made in 2024 will receive information regarding 2023 sharing activities).

To obtain this information, please submit a request through our Privacy Web Form.

If we are unable to authenticate your request we will reply as such to the email address from which your request originated. We will provide the requested information, along with any details of actions we’ve taken, to you at the email address you specify in your request.

Please be aware that not all information sharing is covered by the "Shine the Light" requirements and only information on covered sharing will be included in our response.

14. Additional Terms

If you are a resident of Singapore, please click here.

15. Contact Us

We take your privacy concerns seriously. If you have any questions about this Policy or if you believe that we have not complied with this Privacy Policy with respect to your Personal Information, you may write to the following:

Online:

Privacy Web Form

Or:

5660 New Northside Drive

3rd Floor

Atlanta, GA 30328

Attn: Privacy Compliance Officer

By Phone (Toll-free):

1-866-294-4493

Depending on where you are located, you may also register a complaint to the relevant European supervisory authority.

ICE Mortgage Technology Privacy Policy

Last updated: May 2024 / Effective date: May 2024

In this Privacy Policy (this “Privacy Policy”), we describe how ICE Mortgage Technology, Inc., including MERS, Simplifile, and the former Ellie Mae (“IMT,” “we,” “us,” or the “Company”) collects, uses, and discloses information that may be used, directly or indirectly, to identify you (“Personal Information”) that we obtain about visitors to our websites on which this Privacy Policy is posted (the “Websites”) and the services available through our Websites (collectively, the “Services”), and offline.

Your use of our Website or Services, and any dispute over privacy, is subject to this Privacy Policy and our Terms of Use, including its applicable limitations of liability.

California Consumer Notice of Collection

This Privacy Policy is provided to all California consumers subject to this Privacy Policy. You may access specific topics in this Privacy Policy by clicking on the relevant links below:

The Personal Information We Collect

Our Purposes for Processing Personal Information

The Parties to Whom We Disclose Personal Information

Our Use of Cookies and Other Tracking Mechanisms

Tracking and Advertising Choices

Your Privacy Rights for Certain Jurisdictions

Opt-Out of the Sale or Sharing of Personal Information

Submitting Privacy Rights Requests

Security & Data Retention

Non-US Users

Children

California "Shine the Light"

Changes to this Privacy Policy

1. The Personal Information We Collect

We collect Personal Information about you directly from you and from third parties, and automatically about you through your use of our Website or Services. “Personal Information” does not include:

Information we reasonably believe you or a third party have made publicly available;
Deidentified data that cannot be attributed to you and is stored separately from other data; or
Personal Information collected in an employment or commercial context, unless you are a resident of California.

Personal Information We Collect Directly from You

The Personal Information we collect, or have collected from you in the past 12 months depends on how you use our Website and Services, but generally includes the following categories:

Contact information such as name, address, email, and phone number;
Business contact information such as company name, organization type, company address, and job title;
Electronic signatures such as the name of an individual or Notary signing documents;
General location information that can be determined from IP addresses;
Demographic information such as sex, gender, race, ethnicity, and age;
Information you provide via our chat features including transcripts of conversations with our customer service representatives;
Login information, such as username, password, and security questions and answers; and
Governmental identification, such as Social Security number (SSN), driver’s license, passport, and other government ID information.

Of the information described above, your demographic information, Social Security number, driver’s license, and other governmental identification information may be considered “sensitive” Personal Information under applicable law.

Personal Information We Collect As a Service Provider

We collect the Personal Information listed below in our capacity as a service provider to our customers. Our customers are primarily financial organizations and we do not sell or market services to individual consumers. In the course of delivering our Services, our systems receive Personal Information from our customers about their customers (e.g., borrowers, consumers). We process this information on behalf of our customers in order to provide them with our Services. When we act as a service provider, our customers are responsible for providing notice to their customers and obtaining appropriate consents to collect their customer’s Personal Information. If you are a borrower, you should refer to our customers’ privacy notices and/or contact them directly to understand how your Personal Information will be collected, used, and shared.

Contact information: in some instances, lenders and other IMT business customers may allow you to access our Websites and Services through Single-Sign-On. In these cases, we collect your contact information and login credentials from the business with which you have an account.
Transactional information: if you select a partner provider and place an order through our Encompass Partner Network or the IMT Marketplace, we may process information about the relevant loan, property, borrower, or credit report.
Advertising information: If you browse our Websites and select links to the websites or services of our partners, we may collect your IP address, device information, and the URLs of the sites you may visit.

For information about how third parties may use and disclose your Personal Information, including any information you make public, please consult their respective privacy policies. We have no control over how any third party uses or discloses the Personal Information they collect about you.

Personal Information We Collect Automatically

We may automatically collect Personal Information about visitor use of our Websites through cookies and other technologies, including:

Information about your estimated location as may be determined from the IP Address; and
Information about the device you are using, such as:
Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information;
Browser language and type;
Domain name system requests;
Browsing history, time spent at a domain, time and date of your visit, number of clicks, or location data;
HTTP headers, application client and server banners;
Hardware model, operating system, application version number, device or browser data;
Aggregated information, including de-identified data; and

Internet or other electronic network activity information, such as the dates and times of your use of the Websites or the Services, the route by which you choose to access them, and your use of any hyperlinks or downloadable content available on the Websites or through the Services.

To the extent permitted by applicable law, we combine this information with other Personal Information we collect about you. Please see the section “Our Use of Cookies and Other Tracking Mechanisms” below for more information.

2. Our Purposes for Processing Personal Information

We process your Personal Information for the following purposes:

Operating Services and Websites and Providing Related Support. To provide and operate our Websites and Services, communicate with you about your use of the Websites and Services, provide troubleshooting and technical support, respond to your inquiries, fulfill your orders and requests, facilitate completion of notarized documents, process your payments, and for similar service and support purposes.
Responding to Requests. To respond to your inquiries, fulfill your orders and requests, and consider your request or application (e.g., if you have submitted an inquiry about a Service).
Analyzing and Improving Services, Websites, and our Business. To better understand how users access and use the Websites, and our other products and offerings, and for other research and analytical purposes, such as to evaluate and improve our Services and business operations and to develop Services and features.
Data Services, Market Trends or Insights. We may disclose your Personal Information, de-identified and/ or aggregated data, and publicly available data, with our affiliates, partners or third parties who use our Services to perform data analytics, rate and trend analysis, benchmarking exercises, product development, transactional compliance, fraud detection and market research. When we process or disclose de-identified data with affiliates or third parties, we include contractual terms to prevent re-identification of data.
Protecting Our Legal Rights and Preventing Misuse. We may disclose your Personal Information to third parties to protect the Websites and our business operations; to prevent and detect fraud, unauthorized activities and access, and other misuse; where we believe necessary to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety or legal rights of any person or third party, or violations of our Terms of Use or this Privacy Policy.
Complying with Legal Obligations. To comply with the law or legal proceedings. For example, we may disclose information in response to subpoenas, court orders, and other lawful requests by regulators and law enforcement, including responding to national security or law enforcement disclosure requirements.
Business Transfers. To consider and implement mergers, acquisitions, reorganizations, and other business transactions, and where necessary to the administration of our general business, accounting, recordkeeping, and legal functions.
Training our Customer Service Representatives and Auditing our Customer Service Practices. We retain our chat sessions and communications with the IMT call center for history, training, and audit purposes.
Planning and Managing Events. We use the Personal Information that we collect for event planning and management, including registration, attendance, connecting you with other event attendees, and contacting you about relevant events and Services. Any information you provide about emergency contacts, dietary preferences, or accessibility requirements is used solely for your safety and health purposes.
Customer Satisfaction and Marketing Surveys. With your permission, we may request information from you to assist us with improving our Services and content that we provide through our Websites, Services, events and trainings.

3. The Parties to Whom We Disclose Personal Information

We may disclose, or have disclosed in the past 12 months, the categories of Personal Information described above for our business purposes with the parties listed below. In some instances, the Personal Information disclosed to third parties may include Sensitive Personal Information.

Service Providers. We may disclose Personal Information we collect with our service providers or agents who perform functions on our behalf. These service providers may include IT service providers, help desk providers and payment processors.
Subsidiaries and Affiliates. We disclose Personal Information to subsidiaries and affiliates for the purposes of providing the Services you have requested and to fulfil our contractual obligations to you, and to fulfil legal and regulatory obligations. We may also disclose Personal Information to subsidiaries and affiliates for their marketing use and so that they may develop and improve products and Services, and subject to applicable law send you promotional and informational communications.
Business Customers. Any transactional information collected by our customers through the Company’s Services may be available to their customer account administrators or other customer account managers, and may, at the direction of our customers, be shared with third parties as necessary for our customers’ loan origination and management purposes.
Public Authority/Agency. We may disclose your Personal Information (including your Sensitive Personal Information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process, or governmental request, (b) to enforce our agreements, policies, and terms of service, (c) to protect the security or integrity of our Websites or Services, (d) to protect the property, rights, and safety of the Company, our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations. We may also disclose your Personal Information to law enforcement upon request.
Third-Party Analytics Providers. We may disclose your Personal Information to marketing analytics service providers, such as Google Analytics or Microsoft Bing.
Third Parties. As part of the functionality of the Services, we share Personal Information collected via our Consumer Connect site with members who are unaffiliated third parties.
Business Transfers. If we or our affiliates are or may be acquired by, merged with, or invested in by another company, or if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected from you to the other company.
In Response to Legal Process or to Protect Rights. We may disclose your Personal Information to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena. We also disclose your Personal Information when we believe it is appropriate to do so to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms of Use or this Privacy Policy, or as evidence in litigation in which we are involved.
Other Disclosures with Your Consent. We may disclose your Personal Information with other third parties for whom you have given us written authorization to disclose your Personal Information, or as otherwise allowed or required by applicable law.
Additional Disclosures. From time to time we disclose your Personal Information to our attorneys, banks, auditors, securities brokers and other professional service providers and advisors in connection with the purposes described above.

4. Our Use of Cookies and Other Tracking Mechanisms

We and our third-party service providers use cookies and other tracking mechanisms to track information about your use of our Websites or Services. We may combine this information with other Personal Information we collect from you (and our third-party service providers may do so on our behalf). For more information on the types of Personal Information we collect through these technologies, please see the section above titled “The Personal Information We Collect.” For resources and instructions on how to disable tracking technologies, see the section below titled “Tracking and Advertising Choices.”

Cookies. Cookies are alphanumeric identifiers that we transfer to your device’s hard drive through your web browser for record-keeping purposes. Some cookies allow us to make it easier for you to navigate our Websites and Services, while others are used to enable a faster log-in process or to allow us to track your activities at our Websites and Service. There are two types of cookies: session and persistent cookies.

Session Cookies. Session cookies exist only during an online session. They disappear from your device when you close your browser or turn off your device. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the Websites and Services. This allows us to process your online transactions and requests and verify your identity after you have logged in, as you move through our Websites and Services.
Persistent Cookies. Persistent cookies remain on your device after you have closed your browser or turned off your device. We use persistent cookies to track aggregate and statistical information about user activity.

Disabling Cookies. Most web browsers automatically accept cookies, but if you prefer, you may be able to change your browser options to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your device from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our Websites and Services who disable cookies will be able to browse certain areas of the Website, but some features may not function.

Clear GIFs, Pixel Tags, and Other Technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web and app pages. We may use clear GIFs (e.g., web beacons or pixel tags), in connection with our Websites and Services to, among other things, track the activities of Website visitors and app users, help us manage content, and compile statistics about Website usage. We and our third-party service providers also use clear GIFs in HTML e-mails to our customers, to help us track e-mail response rates, identify when our e-mails are viewed, and track whether our e-mails are forwarded.

Third-Party Analytics. We use automated devices and applications, such as Google Analytics and Microsoft Bing, to evaluate usage of our Websites. We also may use other analytic means to evaluate our Websites. We use these tools to help us improve our Websites’ performance and user experiences. These entities may use cookies and other tracking technologies, such as web beacons, to perform their services. To learn more about Google’s privacy practices, please review the Google Privacy Policy at https://www.google.com/policies/privacy/partners/. You can also download the Google Analytics Opt-out Browser Add-on to prevent their data from being used by Google Analytics at https://tools.google.com/dlpage/gaoptout.

Cross-Device Use. We and our third-party service providers, including Google Ads, may use the information that we collect about you (whether directly from our Website, from our mobile applications, through your device(s), or from a third party) to identify other devices that you use (e.g., a mobile phone, tablet, other computer, etc.). We and our third-party service providers also may use the cross-device use and other information we learn about you to serve targeted advertising on your devices and to send you emails. To opt out of cross-device advertising, you may follow the instructions set forth in the “Tracking and Advertising Choices” section below. Please note: if you opt-out of these targeted advertising cookies, your opt-out will be specific to the web browser, app, or device from which you accessed the opt-out. If you use multiple devices or web browsers, you will need to opt out on each browser or device that you use.

Third-Party Links. Our Websites and Services may contain links to third-party Websites. Any access to and use of such linked Websites is not governed by this Privacy Policy, but instead is governed by the privacy policies of those third-party Websites. We are not responsible for the information practices of such third-party Websites.

5. Tracking and Advertising Choices

If you wish to prevent cookies from tracking your activity on our Website or visits across multiple websites, you can set your browser to block certain cookies or notify you when a cookie is set. If you block cookies, certain features on our Website may not work.

Cookies and Third-Party Advertising. You can adjust your cookie preferences for our Websites by accessing the link entitled “Do Not Sell My Personal Information” in the footer of the Websites to opt out of the use of your Personal Information for targeted advertising.
Industry Solutions for Opting Out of Interest-Based Advertising. Notwithstanding the above, visitors to our Websites may follow the steps provided by initiatives that educate users on how to set tracking preferences for most online advertising tools, the Network Advertising Initiative (https://thenai.org/about-online-advertising/) and the Digital Advertising Alliance (https://optout.aboutads.info/) in the US, or other similar services. The Digital Advertising Alliance also offers an application called AppChoices (https://youradchoices.com/appchoices) that helps users to control interest-based advertising on mobile applications.
Universal Opt-Out Mechanisms. Our systems generally recognize commercially reasonable opt-out preference signals (e.g., Global Privacy Controls). Recognition of this signal will only occur with respect to the device and/or browser that communicates the signal such that you may need to update your preferences on every device or browser you use to access our Services.

Using these resources does not mean you will no longer receive any advertising through our Website, Services, or on other Websites. You may continue to receive advertisements, for example, based on the particular Websites that you are viewing (i.e., contextually-based ads) and as described above. Your opt-out may not be effective if your browser is configured to reject cookies.

6. Your Privacy Rights for Certain Jurisdictions

Depending on where you are located, you may have the rights described below. Note that these rights only apply to Personal Information that we collect and process under the terms of this Privacy Policy. In our capacity as a service provider to other businesses, we may collect or process other Personal Information as reasonably necessary to provide our Services. This Personal Information is not subject to the rights outlined below.

Right to Access: To confirm if a Controller is processing your Personal Information and to access the Personal Information.
Right to Correction: To correct inaccuracies in your Personal Information, considering the nature of the Personal Information and the purposes of the processing of your Personal Information.
Right to Deletion: To delete Personal Information provided by or obtained about you.
Right of Portability: To obtain a copy of the Personal Information that we have collected or process about you in a portable and, to the extent technically feasible, readily usable format that allows you to transmit your Personal Information to another controller or business. The processing is carried out by automated means.
Right to Opt-Out of Sales or Sharing: Under applicable law, a “sale” includes disclosing or making available Personal Information to a third party in exchange for monetary or nonmonetary consideration. We do not “sell” Personal Information for money. However, we do “share” Personal Information (as the term is defined under applicable law). You may opt-out of the “sharing” of Personal Information by selecting the “Do Not Sell My Personal Information” link available in the footer of the Websites.
Right to Opt-Out of the Processing of Sensitive Personal Information: We do not use or disclose Sensitive Personal Information for purposes other than those which cannot be limited under applicable law.
Right to Non-Discrimination: We will not discriminate against you for exercising any of the rights described in this section.

You may submit a request to exercise the rights described above by following the instructions in the section “Submitting Privacy Rights Requests” below. We may deny your request if we are not reasonably capable of associating your request with the Personal Information or it would be unreasonably burdensome for us to associate your request with the Personal Information, or if you are not in a jurisdiction that requires us to grant your request, among other reasons permitted by applicable law.

Authorized Agent: You may designate someone as an authorized agent to submit requests and act on your behalf. To do so, you must provide us with written permission to allow the authorized agent to act on your behalf. We will also require verification that you provided the authorized agent permission to make a request on your behalf, and we may require you to verify your own identity directly with us.

7. Submitting Privacy Rights Request

If any of the rights described in the sections above apply to you, you may exercise your rights by filling in and submitting the form available at Privacy Web Form, or by contacting us as described in the “Contact Us” section below.

For more information about our privacy practices, you may contact us as set forth in the “Contact Us” section below.

8. Security & Data Retention

We retain your Personal Information for as long as we have a relationship with you and for a period after the relationship has ended. When determining how long to keep your Personal Information after our relationship with you has ended, we take into account how long we need to retain the Personal Information to fulfil the purposes described above and to comply with our legal obligations, including regulatory obligations. We may also retain Personal Information to investigate or defend against potential legal claims in accordance with the limitation periods of countries where legal action may be brought.

9. Non-US Users

The Websites and our Services are hosted in the United States and are governed by United States law. If you are using the Websites or Services from outside the United States, please be aware that your Personal Information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using the Websites or Services, you consent to your Personal Information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Policy.

10. Children

Our Services are not designed for children. If we discover that a child under 13 has provided us with Personal Information, we will delete such information from our systems. We do not knowingly collect or sell Personal Information of consumers under 16 years of age. If parents or guardians believe their minor children have accessed the Websites or Services and provided their Personal Information, please contact us using the information provided in the “Contact Us” section of this Privacy Policy so that we may delete the information.

11. California "Shine the Light"

To obtain this information, please submit a request by filling in and submitting the form available at Privacy Web Form, or by contacting us as described in the “Contact Us” section below.

Please be aware that not all information sharing is covered by the "Shine the Light" requirements and only information on covered sharing will be included in our response.

12. Changes to this Privacy Policy

This Privacy Policy is current as of the Effective Date set forth above. We may change this Privacy Policy from time to time, so please be sure to check back periodically. We will post any changes to this Privacy Policy on our Websites and/or mobile applications.

13. Contact Us

If you have questions about the privacy aspects of our Services or would like to make a complaint, please contact us via:

Mail at:

ICE Mortgage Technology, Inc.

5660 New Northside Drive, 3rd Floor

Attn: Privacy Officer

Atlanta, GA 30328

Phone:

1-866-294-4493

Black Knight Privacy Policy

Last updated: May 2024 / Effective date: May 2024

Black Knight, Inc. is now part of the Intercontinental Exchange (ICE). At Black Knight, Inc., we respect and believe it is important to protect the privacy of consumers and our customers. This Privacy Policy explains how Black Knight may collect, use, and protect any information that we collect from you online or offline for our own purposes, when and to whom we disclose such information, and the choices you have about the use of that information. A summary of the Privacy Policy is below, and we encourage you to review the entirety of the Privacy Policy following this summary.

Please note that when we receive or process information on behalf of one of our clients, the processing of that information is governed by our client’s privacy policy.

Summary

Personal Information Collected as a Third Party Service Provider. When we collect Personal Information as a third party service provider, we do so solely to provide services to lending institutions, mortgage brokers, mortgage loan servicers or other third parties. The privacy policies of those lending institutions, mortgage brokers, mortgage loan servicers or other third parties shall apply and you should refer to those privacy policies and/or contact them to understand how your Personal Information will be used. Some Black Knight companies provide services to lending institutions, mortgage brokers and mortgage loan servicers and, in some cases, their websites collect information. Those parties are responsible for taking action or making changes to any consumer information submitted through those websites.

Types of Information Collected. You may provide us with certain Personal Information about you, like your contact information, account information, demographic information, Social Security number (SSN), driver’s license, passport, other government ID numbers, and/or financial information. We may also receive Browsing Information from your Internet browser, computer, and/or mobile device. This Browsing Information may include information about the usage of your mobile device, device ID data, or the location of your mobile device.

How Information is Collected. We may collect Personal Information from you via applications, forms, and correspondence we receive from you and others related to transactions with you. When you visit our Website, we automatically collect and store certain information available to us through your Internet browser or computer equipment. In addition to information that we collect from you directly, we may also receive information about you from other sources, including third parties, our affiliates, or publicly available sources.

Use of Collected Information. We request and use your Personal Information to provide products and services to you, to improve our products and services, and to communicate with you about these products and services. We may also share your contact information with our affiliates for marketing purposes unless prohibited by applicable law or otherwise stated herein. We may use your Browsing Information to improve our products and services, to provide products and services, and to communicate with you about these products and services. Where applicable, text messaging originator opt-in data and consent information will not be shared with any unauthorized third parties or sold to any third parties. For the avoidance of doubt, we may share such information with our affiliates, service providers, or as otherwise permitted or required by applicable law, or as requested or required by court order, legal proceeding, investigative demand or any governmental agency or regulatory authority.

When Information is Disclosed. We may disclose your information to our affiliates and/or nonaffiliated parties providing services for you or us, to law enforcement agencies or governmental authorities, to other parties as described herein, and as required by law.

Choices With Your Information. Your decision to submit information to us is entirely up to you. You can opt-out of certain disclosures or uses of your information or choose to not provide any Personal Information to us.

Password and Security. We may require the use of encryption technologies provided for your protection. We use reasonable precautions to protect the privacy of your username, password, and user account information, but we cannot guarantee the security of all information transferred over the Internet.

Information From Children. We do not intentionally collect information from children who are under the age of 16, and neither our Website nor our services are directed to children under the age of 16.

Privacy Outside the Website. We are not responsible for the privacy practices of third parties, even if our Website links to those parties’ websites.

Access, Deletion, Correction, and Similar Rights. In the event this is applicable to you, if you desire to submit a request concerning your Personal Information held by Black Knight, please contact us in the manner specified at the end of this Privacy Policy.

Personnel and Prospective Personnel. We may share Personal Information about current, former, and prospective Black Knight personnel with third parties, as further described in this Policy. Relatedly, we may allow prospective employees to request additional job opportunity information online.

By submitting your Personal Information, you consent to its dissemination to, and use by, us and our affiliates.

Non-US Users. The Website and our products and services are hosted in the United States and are governed by United States law. If you are using the Website or our products or services from outside the United States, your Personal Information may be transferred to, stored, and processed in the United States. The data protection and privacy laws of the United States might not be as comprehensive as those in your country. By using the Website, our mobile applications, or our products and services, you consent to your Personal Information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Policy.

Your Consent To This Privacy Policy. By submitting information to us or by using our Website, you are accepting and agreeing to the terms of this Privacy Policy.

Not Financial Advice. We are not providing financial opinions or advice on any of the matters discussed or included on the Website, and we will not be liable to any party for any act or failure to act relating to any advice listed on the Website.

Black Knight, Inc. (“Black Knight”, “our,” “us” or “we”) is a leading provider of integrated software, data, and analytics solutions that facilitate and automate many of the mission-critical business processes across the homeownership lifecycle. Black Knight is committed to being a premier provider that lending institutions, mortgage brokers, mortgage loan servicers, and other clients or third parties (collectively, “Lenders and Servicers”) rely on to achieve their strategic goals, realize greater success and better serve their customers by delivering best-in-class technology, services and insight with a relentless commitment to excellence, innovation, integrity, and leadership.

Black Knight respects and is committed to protecting your privacy. We will take reasonable steps to provide that your Personal Information (as defined herein) and Browsing Information (as defined herein) will only be used in compliance with this Privacy Policy and applicable laws. This Privacy Policy is in effect for Personal Information and Browsing Information collected and/or owned by or on behalf of Black Knight through any Black Knight website, online service, or application (mobile or system) of Black Knight on which this Privacy Policy appears (collectively, the “Website”), and applies to Personal Information and/or Browsing Information collected about consumers, current and former personnel, and applicants.

California Consumer Notice of Collection

This Notice of Collection is provided to all California consumers subject to this Privacy Policy. You may access specific topics in this Privacy Policy by clicking on the relevant links below:

Personal Information Collected as a Third Party Service Provider

Types of Information Collected

How Information is Collected

Use and Retention of Collected Information

When Information is Disclosed

How We Protect Your Information

Choices with Your Information

Passwords and Security

Information from Children

Privacy Outside the Website

California "Shine the Light"

Access and Correction

Non-US Users

Employment Opportunities

Not Financial Advice

Your Consent to this Privacy Policy

Amendments

Information for California Residents

Questions

1. Personal Information Collected as a Third Party Service Provider

In almost all cases that Black Knight is receiving Personal Information and in some cases Browsing Information, we are acting as a third party service provider to a Lender, Servicer or mortgage broker. In such cases, we may collect or receive Personal Information about or from individuals for the sole purpose of providing services to or on behalf of such Lenders, Servicers or mortgage brokers. In cases where Black Knight is providing services to or on behalf of such Lenders, Servicers or mortgage brokers, we do not share consumer information with third parties, other than (1) those with which the Lender or Servicer has contracted to interface with the Black Knight consumer application, (2) those which Black Knight has contracted with in provision of those services, (3) law enforcement or other governmental authority in connection with an investigation, civil or criminal subpoenas, court orders, discovery, or legal process, or (4) as directed by the Lender or Servicer. The privacy policies of those Lenders, Servicers or mortgage brokers shall apply, and you should refer to those privacy policies and/or contact your Lender, Servicer or mortgage broker to understand how your Personal Information and Browsing Information will be used by such Lenders, Servicers or mortgage brokers.

For some Black Knight Websites, we may be acting as a third party service provider to a Lender or Servicer. In those instances, we may collect certain information on behalf of that Lender or Servicer. During these transactions, we may collect some or all of the information on behalf of the Lender or Servicer that is described in the section below titled Types of Information Collected for the purposes outlined in the Use and Retention of Collected Information section. Black Knight also provides applications and other software services to Lenders, Servicer or mortgage brokers, including mobile applications. In those instances, we may collect certain Browsing Information on behalf of that Lender, Servicer or mortgage broker, including information about the usage of your mobile device, device ID data, or the location of your mobile device. During these transactions, we may collect some or all of the information on behalf of the Lender or Servicer that is described in the section below titled Types of Information Collected for the purposes outlined in the Use and Retention of Collected Information section.

The information you submit is then transferred to your Lender or Servicer by way of our services. The Lender or Servicer is responsible for taking action or making changes to any consumer information that is submitted through the Website. For example, if you believe that your payment or user information is incorrect, you must contact your Lender or Servicer.

Generally, we retain the information that you submit to us for 90 days. In some instances, we may retain the information for up to 270 days or longer. After 90 days (or 270 days, as applicable), we may destroy all of the customer data and information that was submitted to us. If we receive a timely request from you, we will handle that request in accordance with the Choices with Your Information section below.

If you are receiving consumer services and have questions regarding the choices you have with regard to your Personal Information or how to access or correct your Personal Information, you should contact your Lender or Servicer. We are not responsible or liable for the content, privacy policies, or practices of third parties.

2. Types of Information Collected

We, and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining and/or providing internal support for our Website or operations, as well as third parties we may engage for improving our products and advertising for business-to-business purposes only, may collect (and may have collected in the prior 12 months) two types of information from you: Personal Information and Browsing Information.

Personal Information. Black Knight may collect the following categories of Personal Information (“Personal Information”), which may include, among other things:

Contact information (e.g., first and last name, mailing or property address, phone number, email address);
User name, password, and security questions and answers;
Demographic information (e.g., date of birth, gender, marital status);
Social Security number (“SSN”), driver’s license, passport, and other government ID information;
Loan account information (e.g., loan number);
Bank account and credit/debit card numbers;
Images uploaded by users into applications (e.g., facial images into Paragon Connect);
Sensitive Personal Information such as precise geolocation information to provide services to you through the Paragon Connect application; and
Other Personal Information needed from you to provide real estate-related and loan-related services to you.

To the extent that you are a current or former employee, contractor, or other personnel (collectively, “employee”), or an applicant, Black Knight may also collect the following information about you:

Contact information (e.g., name, sex , age, date of birth, email address, mailing address, telephone number, social media profiles, and in certain instances, identification documents such as residency or work permits, SSN, other taxpayer/government identification number, as well as emergency contact information);
Professional and employment-related information (e.g., professional qualifications, prior employment history, education history, references);
Interview information (e.g., notes collected by interviewers or other professional assessment information);
Pre-employment screening (e.g., criminal background check, as permitted by law);
Organizational data including work contact details (e.g., address, email, phone number, position/title, job function, employee ID, work eligibility information);
Contract and compensation data (e.g., bonus information);
Employment-related information (e.g., benefits information, performance data);
Compliance and disciplinary information; and
Sensitive Personal Information (where permitted and in accordance with applicable law), which may include biometric data, SSN, driver’s license number, racial or ethnic origin, trade union membership, health and medical information, drug screening results where applicable, sexual orientation, and/or criminal history may also qualify as Personal Information, as well as the contents of certain email or other communications made using Black Knight IT equipment.

Other Personal Information needed from you to consider your application, conduct employment-related business purposes, or to provide real estate-related and loan-related services to you.

As applicable to applicant and employment-related Personal Information, the provision of Personal Information as described in this Privacy Policy is partly a statutory requirement, partly a contractual requirement under your employment contract, and partly a requirement to carry out the employment relationship with you. In general, you are required to provide such Personal Information, except in limited instances when we indicate that the provisions of certain information is voluntary (e.g., in connection with employee satisfaction surveys). Not providing Personal Information where required may prevent Black Knight from carrying out the employment relationship with you and may require Black Knight to terminate your employment where permitted by applicable law.

In some instances, the provision of the Sensitive Personal Information listed above is voluntary. We will let you know when that is the case, and if you decide not to share Sensitive Personal Information that is voluntary, not doing so will not impact your employment with Black Knight.

Browsing Information. Black Knight may collect the following categories of browsing information (“Browsing Information”), which may include, among other things:

Information about your estimated location as may be determined from the IP Address; and
Information about the device you are using, such as:
Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information;
Browser language and type;
Domain name system requests;
Browsing history, time spent at a domain, time and date of your visit, number of clicks, or location data;
HTTP headers, application client and server banners;
Hardware model, operating system, application version number, device or browser data; and
Aggregated information, including Non-identifiable Data (as defined herein).

3. How Information is Collected

In the course of our business, we may collect (or may have collected in the preceding 12 months) Personal Information or Browsing Information about you from the following sources:

Loan applications or other forms we receive from you or your authorized representative, which may include information about your assets and income and identifying information, such as name, address and SSN;
Job applications and related documentation we receive from you, as well as similar information we receive from you when you create an account and profile in the Black Knight careers portal;
Information from you collected during the course of your employment with us;
The correspondence you and others send to us;
Information we receive from you through the Website;
Information we collect from you passively through cookies and other technologies, including cookieless tracking technologies (see below);
Information about your transactions with or services performed by us, or information about such transactions that we receive from our affiliates or nonaffiliated third parties;
Information we receive from your computer or mobile device;
Information we receive from our partners, service providers, or other third parties (e.g., employment or recruitment agencies, background check providers, or publicly available sources);
Information from consumer or other reporting agencies and public records maintained by governmental entities that we obtain directly from those entities, from our affiliates or others, such as your creditworthiness and credit history; and
Information we receive from other sources, as permitted by applicable laws, rules, and regulations.

If you provide us with any Personal Information about other individuals, such as your reference(s), it is your responsibility to make sure you have their permission to share this information with Black Knight.

If you visit or use our Website, we may collect Browsing Information from you as follows:

Browser Log Files. Our servers automatically log each visitor to the Website, and collect and record certain Browsing Information about each visitor. The Browsing Information includes only generic information and reveals nothing personal about the user.

Cookieless Tracking Technology. When you visit our Website, our Website runs a script that stores information about how you interact with the Website. The script only runs while you are visiting the Website, and will not persist when you leave the Website.

Cookies. When you visit our Website, a “cookie” may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer’s hard drive. When you visit the Website again, the cookie allows the Website to recognize your computer. Cookies may store user preferences and other information to assist your navigation between pages efficiently, remember preferences, and improve the user experience. You can choose whether to accept cookies by changing your Internet browser settings, which may impair or limit some functionality of the Website.

Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser. We use first party cookies, which are cookies that we place on your device ourselves, and third party cookies, which are cookies that we allow third parties to place on your device.

Essential cookies. We use essential cookies to authenticate users and prevent fraudulent use of user accounts.
Advertising cookies: Our third party service providers use cookies and similar technologies such as web beacons or pixels to identify and store behaviors that users take on the Website (such as pages visited and search terms used). These are used in order to: (i) if applicable, identify you as a prospect for our client lenders, loan servicers or mortgage brokers; (ii) deliver advertisements that are more relevant to you and your interests; (iii) limit the number of times you see an advertisement; as well as (iv) help measure the effectiveness of the advertising campaign. If a prospect engages with our content and provides their contact information, their web behavior on our site is paired with their contact information. Note that our providers remember that you have visited our Website and this information may be shared with other organizations such as advertisers. This means after you are done using our Service you may see some advertisements about our Services elsewhere on the Internet. You may opt out of Google’s ad personalization through Google’s ad settings, as further described below.
Analytics cookies. We use Google Analytics to track information about how you interact with our Website so that we can make improvements. We also use analytics cookies to test pages, features or new functionality of the Website to see how our users react to them.

In order to collect this information, Google Analytics may set cookies on your browser or mobile device, or read cookies that are already there. Google Analytics may also receive information about you from apps you have downloaded, that partner with Google. We do not combine the information collected through the use of Google Analytics with Personal Information. Click https://policies.google.com/technologies/partner-sites to learn about how to control information used by Google Analytics. Google’s ability to use and share information collected by Google Analytics about your visits to the Website to another application which partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those and see https://policies.google.com/privacy for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google.

In some cases, you may also block the use of cookies using cookie blocker technology available to you when you visit the Website, such as through the “Your Privacy Choices” or the “Do Not Sell or Share My Personal Information” link available on the Website, or through a universal opt-out mechanism, as discussed below.

4. Use and Retention of Collected Information

Personal Information collected by Black Knight is used for the following, primary purposes:

To provide products and services to you or any affiliate or third party who is obtaining services on your behalf or in connection with a transaction involving you;
To provide products and services to our clients;
To improve our products and services;
To personalize your experience of the Website; and
To communicate with you and to inform you about Black Knight, our Black Knight affiliates’ and third parties’ products and services, jointly or independently.

To the extent that you are a current or former employee, or an applicant, Black Knight may also use your Personal Information for the following, primary purposes:

To review and consider your application and conduct pre-employment screening (e.g., security and background screenings) if we decide to offer you employment;
To administer recruitment and staffing activities;
To manage and improve our recruitment processes and our business operations related to the recruitment process;
Administering the workforce;
Administering and providing compensation, benefits, and other work related allowances, as applicable;
Managing our information technology (e.g., computers, phones, company systems, and applications) and information security, including the helpdesk, corporate directory, IT support, fraud prevention, and information security;
Managing mergers and acquisitions, and other business reorganizations and job eliminations, business transfers, and potential divestments;
Monitoring and ensuring compliance with applicable laws, regulatory requirements, and applicable Black Knight procedures, including the ICE Global Code of Business Conduct;
Complying with corporate financial responsibilities, including audit requirements (both internal and external), accounting, and cost/budgeting analysis and control;
Complying with applicable laws and employment-related requirements (including certain diversity and inclusion reporting and making workplace accommodations);
To comply with other legal obligations and/or protect our legal interests; and
We use Sensitive Personal Information to evaluate Black Knight’s progress in achieving its diversity hiring goals, to ensure equal opportunity monitoring and reporting, and to meet legal obligations, including providing workforce accommodations and for disability and workplace safety tracking administration.

With regard to Sensitive Personal Information, we only use your Sensitive Personal Information to provide you with the requested products or services and to administer your application or employment, unless otherwise required by law or court order.

Generally, we retain your Personal Information for as long as necessary to meet the purpose of the collection of your Personal Information, or as otherwise permitted or required by law.

5. When Information Is Disclosed

We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) and Browsing Information to various individuals and companies, as permitted by law, without obtaining your prior authorization. Please see the section below titled Choices with Your Information to learn how to limit the discretionary disclosure of your Personal Information and Browsing Information.

Disclosures of your Personal Information may be made (or may have been made in the preceding 12 months) to the following categories of affiliates and nonaffiliated third parties, unless prohibited by applicable law:

To third parties to provide you with services you have requested, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure;
To our affiliate financial service providers for their use to market their products or services to you;
To nonaffiliated third party service providers who provide or perform services on our behalf and use the disclosed information only in connection with such services;
To nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to market financial products or services to you;
To law enforcement or other governmental authority in connection with an investigation, or civil or criminal subpoena or court order;
To third parties in response to court orders, or in connection with any legal process, or to comply with relevant laws;
To third parties in relation to a business transaction, such as in the event of a merger, reorganization or similar corporate restructuring activities;
To third parties as part of our efforts to establish or exercise our rights, to defend against a legal claim;
To lenders, lien holders, judgment creditors, or other parties claiming an interest in title whose claim or interest must be determined, settled, paid, or released prior to closing; and
Other third parties for whom you have given us written authorization to disclose your Personal Information, or as otherwise allowed or required by applicable law.

To the extent that you are a current or former employee, or an applicant, Black Knight may also disclose your Personal Information to the following categories of affiliates and nonaffiliated third parties, unless prohibited by applicable law:

To Black Knight affiliates and subsidiaries in the course of our normal business operations and as needed to address our corporate structure;
To nonaffiliated third parties, such as customers, in connection with business operations;
To government agencies and regulators (e.g., tax authorities, social security administration); and
To external advisors (e.g., lawyers, accountants, and auditors).

We may disclose Personal Information and/or Browsing Information when required by law or in the good-faith belief that such disclosure is necessary to:

Comply with a legal process or applicable laws;
Enforce this Privacy Policy;
Take precautions against liability and investigate or respond to claims that any material, document, image, graphic, logo, design, audio, video or any other information provided by you violates the rights of a third party;
Protect the rights, property or personal safety of Black Knight, its users or the public, which includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction, and, if required by law, disclosing information to U.S. federal and state governmental agencies;
Investigate potential unauthorized access or misuse of our Website;
Share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control); or
Facilitate the acquisition of our company, business, or our assets.

If you are a California resident, you may choose to prevent Black Knight from disclosing or using your Personal Information and/or Browsing Information, which Black Knight may collect through the employment process under the following circumstances (“opt-out”):

For our affiliates’ everyday business purposes – information about your creditworthiness; and
For our affiliates to market to you.

To the extent permitted above, you may opt-out of disclosure or use of your Personal Information and Browsing Information by notifying us by one of the methods at the end of this Privacy Policy. We do not share your Personal Information with non-affiliates for their direct marketing purposes.

We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this Privacy Policy.

6. How We Protect Your Information

We maintain reasonable safeguards to keep your Personal Information secure. When we provide Personal Information to our affiliates or third party service providers as discussed in this Privacy Policy, we require that these parties agree to process such information in compliance with our Privacy Policy or in a manner that complies with applicable privacy laws. The use of your information by a trusted business partner may be subject to that party’s own privacy policy. Unless permitted by law, we do not disclose information we collect from consumer or credit reporting agencies with our affiliates or others without your consent. In the event that we are required by law to inform you of a breach to your nonpublic personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.

In addition to the other rights herein, we have the right to share and use, for any purpose, the collected Personal Information that is aggregated, anonymized, or otherwise rendered non-identifiable (collectively, “Non-identifiable Data”).

We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the Black Knight business and/or assets, or in the event of our bankruptcy, reorganization, insolvency, receivership or an assignment for the benefit of creditors. You expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. We cannot and will not be responsible for any breach of security by any third party or for any actions of any third party that receives any of the information that is disclosed to us.

We may disclose your Personal Information for any purpose disclosed by us when you provide the information. We may also disclose your Personal Information with your permission or as directed by you.

7. Choices with Your Information

You can make the following choices regarding your Personal Information:

Marketing Emails. You may choose to provide us with your email address for the purpose of allowing us to send free newsletters, surveys, offers, and other marketing materials to you, as well as targeted offers from third parties. You can stop receiving marketing emails by following the unsubscribe instructions in e-mails that you receive. Even if you unsubscribe from marketing emails, we may continue to send you non-marketing emails associated with your account, communications within applications or platforms, and service-related communications. Please note that a separate request for deletion may not remove you from a marketing email list automatically. To be removed from a marketing list, you should click “unsubscribe” at the bottom of the email.

Access To and Portability of Your Personal Information. For information that we collect on our own behalf, we will grant you, where required by law, reasonable access to the Personal Information that we have about you. You may also have the right to receive this Personal Information in a structured, commonly used, and machine-readable format so you can transmit this Personal Information to another entity. You may request access to or portability of your Personal Information by contacting us through the process described below. If we are processing your information on behalf of one of our clients we will forward your request to that client and await instructions on whether access and/or portability should be granted.

Changes To Your Personal Information. You can contact us through the process described below in order to request that your information be modified. If we are processing your information on behalf of one of our clients you will need to communicate directly with your provider. Note that we may keep historical information in our backup files as permitted by law.

Deletion Of Your Personal Information. We typically retain Personal Information that we collect on our own behalf for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. You may request information about how long we keep a specific type of information, or request that we delete your Personal Information, by following the process described below. If we are processing your information on behalf of one of our clients you will need to communicate directly with your provider to have this information deleted.

Revocation Of Consent or Objections. You may revoke consent to processing (where our processing is based upon consent), or object to our processing (where our processing is not based upon your consent) by following the process described below. If you revoke your consent / object we may no longer be able to provide you services. In some cases we may limit or deny your request to revoke consent / object if the law permits or requires us to do so, or if we are unable to adequately verify your identity. If we are processing your information on behalf of one of our clients we will forward a revocation of consent to that client and await instructions from them on whether the processing to your information should cease.

Right to Opt-Out of the “Sale” or “Sharing” of Your Personal Information. We do not sell your Personal Information, nor do we knowingly sell or share the Personal Information of individuals under the age of 16. To the extent we share (as defined by applicable law) your Personal Information with third parties for marketing purposes, you may opt-out of the sharing of your Personal Information. You may exercise your right to opt-out of certain types of processing by contacting us as stated below or by clicking the “Do Not Sell or Share My Personal Information” or “Your Privacy Choices” link. If we are processing your information on behalf of one of our clients you will need to communicate directly with your provider about your request.

Right to Opt-Out of Targeted Advertising. Our use of cookies or other tracking technologies may be considered “targeted advertising” under applicable law. Depending on where you are located, if you would like to opt-out of targeted advertising, please click on the “Do Not Sell or Share My Personal Information” or “Your Privacy Choices” link available on the Website or contact us as stated below.

Right to Opt-Out of Profiling. You have the right to opt-out of the use of profiling in furtherance of significant decisions affecting you. At this time, we do not engage in the type of profiling that is subject to the right to opt-out of profiling.

California Consumer Right to Restrict Processing of Sensitive Personal Information. You have the right to request the restriction of processing of your Sensitive Personal Information. At this time, however, we do not use or disclose Sensitive Personal Information for purposes other than those expressed herein or otherwise permitted by applicable law, and these uses cannot be limited under California law.

Online Tracking. We generally recognize commercially reasonable opt-out preference signals (e.g., Global Privacy Controls, Do Not Track). Recognition of this signal will only occur with respect to the device and/or browser that communicates the signal, such that you may need to update your preferences on every device or browser you use to access our services.

Right to Appeal. You have the right to appeal our decisions about your privacy requests. If you would like to appeal a decision regarding your privacy request, please contact us as stated below. Additionally, you may contact the relevant Attorneys General Offices.

Please address written requests and questions about your rights to Privacy Web Form (onetrust.com) or call us toll-free at 1-866-294-4493. If you would like to appeal a decision we have made regarding a written request, please address the appeal in the same manner as the initial request or question.

Note that, as required by law, we will require you to prove your identity. We may verify your identity by phone call or email. Depending on your request, we will ask for information such as your name or the date of your last transaction with us. We may also ask you to provide a signed declaration confirming your identity.

In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf. We will require verification that you provided the authorized agent permission to make a request on your behalf. You must verify your own identity directly with us, and, to the extent an authorized agent is submitting a request on your behalf, your request must include the following information with the request:

A copy of the signed permission you have given to the authorized agent to submit the request on your behalf.
A completed Authorized Agent Designation Form indicating that you have authorized the authorized agent to act on your behalf.

If we do not receive both pieces of information, the request may be denied.

Online advertising: To opt out of targeted advertising by Google, you can go to Google’s ad settings.

You may also install the DoubleClick opt-out add-on. Once installed, even if you clear all your cookies and restart your browser, it will prevent the DoubleClick cookie from being saved to your browser.

Alternatively, to opt out of interest-based advertising or to learn more about the use of this information, you can visit the Network Advertising Initiative, (https://optout.networkadvertising.org/?c=1) and/or the Digital Advertising Alliance (http://www.digitaladvertisingalliance.org). If you choose to opt out, an opt-out cookie will be placed on your computer. The opt-out cookie is browser-specific and device-specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie will not work for essential cookies. If the cookie is removed or deleted, if you upgrade your browser, or if you visit us from a different computer, you will need to return to the links above to re-select your preferences.

Please note that these actions do not opt you out of certain advertising.

All cookies: You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent or visit our preference center when prompted. If you do not accept cookies, you may not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

For California and Delaware Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as described in this Privacy Policy or as otherwise permitted by law.

For Nevada Residents: You may be placed on our internal Do Not Call List by calling 1-866-294-4493 or by contacting us via the information set forth at the end of this Privacy Policy. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132 or 888.434.9989 (Toll-free); email: [email protected].

For Oregon Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes.

For Vermont Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization. For joint marketing in Vermont, we will only disclose your name, contact information and information about your transactions.

8. Passwords and Security

For certain features or services available through the Website, we may require the use of encryption technologies provided for your protection. Certain users of the Website may be able to create a user account to access certain features of our Website. We use reasonable precautions to protect the privacy of your username, password, and other user account information.

You are ultimately responsible for protecting your username, password, and other user account information from disclosure to third parties, and you are not permitted to circumvent the use of required encryption technologies. You agree to: (a) immediately notify us of any unauthorized use of your username, password, and/or user account information, and/or any other breach of security; and (b) make sure that you log out from your user account at the end of each session. While we may provide certain encryption technologies and use other reasonable precautions to protect your confidential information and provide suitable security, we do not and cannot guarantee or warrant that any information transmitted through the Internet is secure, or that such transmissions are free from delay, interruption, interception or error.

9. Information from Children

We do not intentionally collect Personal Information from any person that we know to be under the age of sixteen (16) without permission from a parent or legal guardian, and neither our Website nor our services are directed to children under the age of sixteen (16). You affirm that you are over the age of sixteen (16) and will abide by the terms of this Privacy Policy. We do not knowingly sell or share (as the term is defined by applicable law) Personal Information of minors, including those under the age of sixteen (16).

Parents and legal guardians should be aware that this Privacy Policy will govern our use of Personal Information, but also that information that is voluntarily given by children – or others – in email exchanges, bulletin boards, or the like, may be used by other parties to generate unsolicited communications. We encourage all parents and legal guardians to instruct their children in the safe and responsible use of their Personal Information while using the Internet.

10. Privacy Outside the Website

The Website may contain links to other websites. Black Knight is not and cannot be responsible for the privacy practices or the content of any of those other websites. Please check with those websites in order to determine their privacy policies and your rights under them.

We may use the services of third party service providers, for example to process payments and other transactions. By using our Website, you grant us all necessary rights and consents under applicable laws to disclose to our third party service providers – or allow such third party service providers to collect, use, retain, and disclose – any Personal Information for purposes of providing services to you, including data that we may collect directly from you using cookies or other similar means.

To the extent you interact with any YouTube videos on any Black Knight Website, the following terms will apply (https://www.youtube.com/t/terms), and you agree to be bound by the YouTube Terms of Service.

11. California "Shine the Light"

To obtain this information, please submit a request through our Privacy Web Form.

Please be aware that not all information sharing is covered by the "Shine the Light" requirements and only information on covered sharing will be included in our response.

12. Access and Correction

To update or correct your Personal Information in the possession of Black Knight, please contact us in the manner specified at the end of this Privacy Policy. However, in those cases where we are acting as a third party service provider to a Lender or Servicer, you must contact your Lender or Servicer.

In addition to the ability to print this Privacy Policy from this site, users with disabilities may request a copy of this Privacy Policy by sending a written request to Black Knight Inc., Attention Privacy Office, 601 Riverside Avenue, Jacksonville, Florida 32204. Also, if you are visually impaired, you may access this Privacy Policy through audio readers on our Website.

13. Non-US Users

The Website and our products and services are hosted in the United States and are governed by United States law. If you are using the Website or our products or services from outside the United States, please be aware that your Personal Information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using the Website or our products and services, you consent to your Personal Information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Policy.

14. Employment Opportunities

For individuals interested in job opportunities with us, the Website may allow prospective employees to request additional job opportunity information and apply for a job online. We, or our third party service providers, may use the Website to collect Personal Information from prospective employees for human resources recruitment purposes. Such Personal Information may include your resume information, employment history, and information related to your race or disabilities. By submitting any of the foregoing information, you consent to its dissemination to, and use by, us and our affiliates. The foregoing also applies to job application inquiries and submissions that you may transmit to us other than through the Website.

15. Not Financial Advice

You acknowledge and agree that by providing you with access to and use of the Website, we are not providing financial opinions or advice on any of the matters discussed or included on the Website, and we will not be liable to any party for any act or failure to act relating to any advice listed on the Website. You further acknowledge that none of the information contained on the Website constitutes a solicitation, offer, opinion, or recommendation by Black Knight to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment.

16. Your Consent to this Privacy Policy

By submitting Personal Information and/or Browsing Information to Black Knight, you consent to the collection and use of information by us in compliance with this Privacy Policy unless you inform us otherwise by means of the procedure identified below. Amendments to the Privacy Policy will be posted on the Website. Your use of the Website following such publication of any amendment of this Privacy Policy will signify your consent to and acceptance of its revised terms.

We may use comments, information or feedback that you may submit, without identifying information, in any manner that we may choose without notice or compensation to you.

17. Amendments

We may update or modify this Privacy Policy from time to time. We will post the changes to this page, and will indicate the date they go into effect. We encourage you to review our Privacy Policy to stay informed. If we make changes that materially affect your privacy rights, we will notify you of the changes by posting a prominent notice on our Website or using other methods that we select, such as sending you an email.

18. Information for California Residents

We do not sell Personal Information and have not sold Personal Information at any time in the preceding twelve (12) months. You can find a list of the categories of information we share or disclose for a business purpose here. Please note that because this list is comprehensive it may refer to types of information that we share about people other than yourself. If you would like more information concerning the categories of Personal Information (if any) we share with third parties or affiliates for those parties to use for direct marketing please submit a written request to us using the information in the "Questions" section below. We do not discriminate against California consumers, personnel, or applicants who exercise any of their rights described in this Privacy Policy.

19. Questions

Please transmit any requests through our Privacy Web Form or to:

Black Knight, Inc.

601 Riverside Avenue

Jacksonville, Florida 32204

Attn: Chief Compliance Officer

904.854.5100

(Toll-free) 1-866-294-4493

Proprietary and/or Trade Secret TM SM ® Trademark(s) of Intercontinental Exchange, Inc. or a subsidiary or affiliate.

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Privacy & Security Center

ICE

ICE Mortgage Technology

Black Knight

Purpose & Scope

California Consumer Notice of Collection

1. Changes to this Privacy Policy

2. Collection of Personal Information

3. Use of Your Personal Information

4. Cookies & Other Tracking Technologies

5. Disclosures & Onward Transfers

6. Your Choices

7. International Transfers of Personal Information

8. Your Rights in Relation to Your Personal Information

9. Security & Retention

10. Your Security Obligations

11. Children

12. Other Sites

13. California Shine the Light

14. Additional Terms

15. Contact Us

California Consumer Notice of Collection

1. The Personal Information We Collect

2. Our Purposes for Processing Personal Information

3. The Parties to Whom We Disclose Personal Information

4. Our Use of Cookies and Other Tracking Mechanisms

5. Tracking and Advertising Choices

6. Your Privacy Rights for Certain Jurisdictions

7. Submitting Privacy Rights Request

8. Security & Data Retention

9. Non-US Users

10. Children

11. California "Shine the Light"

12. Changes to this Privacy Policy

13. Contact Us

Summary

California Consumer Notice of Collection

1. Personal Information Collected as a Third Party Service Provider

2. Types of Information Collected

3. How Information is Collected

4. Use and Retention of Collected Information

5. When Information Is Disclosed

6. How We Protect Your Information

7. Choices with Your Information

8. Passwords and Security

9. Information from Children

10. Privacy Outside the Website

11. California "Shine the Light"

12. Access and Correction

13. Non-US Users

14. Employment Opportunities

15. Not Financial Advice

16. Your Consent to this Privacy Policy

17. Amendments

18. Information for California Residents

19. Questions