In the course of operating the Platform and the Program and offering our Products, we will collect (and/or receive) the following types of information. You authorize us to collect and/or receive such information.
When you register an account as an Agent or Lender, you will be required to provide us with your first name, last name, phone number and e-mail address. For verification, Agents will also be required to provide their Multiple Listing Service (“MLS”) identification number.
In addition to Contact Information, we may collect additional information (collectively, the “Other Information”). Such Other Information may include:
a. From You. Additional information about yourself that you voluntarily provide to us, such as personal interests, and your product and service preferences.
b. From Your Activity. Additional information that we automatically collect when you use the Platform, including, without limitation:
c. About Your Device
d. From Cookies. We, and/or third-party service providers, collect information using “cookie” technology. Cookies are small packets of data that a website stores on your computer’s or mobile device’s hard drive so that your computer will “remember” information about your visit to our Platform. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer until you delete them) to help us collect information and to enhance your experience using the Platform. If you do not want us to place a cookie on your hard drive, you may be able to turn that feature off on your computer or mobile device. Please consult your Internet browser’s documentation for information on how to do this and how to delete persistent cookies. However, if you decide not to accept cookies from us, the Platform may not function properly.
For more information on these third parties, including how to opt out from certain data collection, please visit the following links:
For Google Analytics: https://www.google.com/analytics
For Segment: https://segment.com/docs/legal/privacy/
For Amplitude: https://amplitude.com/privacy
For Fullstory: https://www.fullstory.com/legal/privacy/
f. From Other Sources. We also may collect or receive information from third parties, such as instant messaging platforms, customer relationship management tools, and/or other third-party sources in accordance with their privacy policies. If you communicate with us via live chat, we collect information provided in such communications. This may include chat transcripts. Some of this information is collected on our behalf by third-party service providers.
Below is a list of advertising/remarketing providers that we use; however, such list may be subject to change based on the campaigns we wish to run. You may use the accompanying links to learn more about such providers and, if available, how to opt-out from certain data collection, their targeted ads, or other personalization features. Please note you will not necessarily be opted-out of advertising or content generally; you may still receive generic ads or content.
For AdRoll: https://www.nextroll.com/privacy#website
For Audience Town: https://www.audiencetown.com/privacy-policy
For Facebook Ads: https://www.facebook.com/about/privacy
For Google Adwords: you can set preferences for how Google advertises to you using the Google Ad Preferences page https://adssettings.google.com/authenticated, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
To learn more about targeted or interest-based advertising and the options you have, such as opting out, you may visit the Network Advertising Initiative and the Digital Advertising Alliance. Please note that, if you choose to opt out, you must do so in each web browser and on each device.
We use Contact Information, Payment Information, and Other Information (collectively, “Information”) to provide you the Platform, the Program, and our services, solicit your feedback, and to improve our services to you. Also, we may share Information as described below, to the extent not prohibited by Applicable Laws.
We will not share your Contact Information with non-affiliated third parties that may use such information to market to you, without obtaining your opt-in consent. For example, we may offer you a product opportunity that requires us to share your Contact Information with non-affiliated third parties that may use such information to market to you. We will obtain your opt-in consent to such sharing of your Contact Information when we present you with the terms of such offer. If you have opted-in for this kind of sharing, then you may: (i) choose to opt-out of such sharing by contacting us at firstname.lastname@example.org; or (ii) request certain information regarding our disclosure of such information to such non-affiliated third parties by contacting us at email@example.com.
If you would like to opt-out of Ribbon’s sharing of your Information with its affiliates so that such affiliates can use your Information to market to you, please contact us at firstname.lastname@example.org.
If you would like to opt-out of Ribbon’s sharing of information about your creditworthiness with its affiliates for such affiliates’ everyday business purposes, please contact us at email@example.com.
We take commercially reasonable steps to protect your Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that your Information will not be intercepted while being transmitted to and from us over the Internet.
Ribbon shall comply with all Applicable Laws, including, without limitation, the Gramm-Leach-Bliley Act, California Civil Code § 1785.20.2 (if applicable), and all Applicable Laws relating to data privacy, data security, international communications, communications decency, and the importation and exportation of materials and data.
If you have registered for the Platform by filling out an Application, you may access, review, and make changes to your Contact Information by following the instructions found on the Platform. In addition, you may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any Ribbon marketing email. Applicants cannot opt out of receiving transactional e-mails related to their account. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our databases.
The Platform and our servers are operated in the United States. Please be aware that your Information, including personal information, may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Platform, you do so at your own risk.
Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of services or products marketed by those third parties. If you wish to submit a request pursuant to Section 1798.83, please contact us via email at firstname.lastname@example.org .
If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. You can exercise this right by contacting us at email@example.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A.
If you are a resident of Virginia, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. You can exercise this right by contacting us at firstname.lastname@example.org with the subject line “Virginia Do Not Sell Request” and provide us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Virginia Consumer Data Protection Act (Code of Virginia Chapter 53).
Pursuant to Section 6-1-1306 (1)(a)(III) of the Colorado Revised Statutes, Colorado residents have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. If you wish to submit a request pursuant to opt-out, please contact us via email at email@example.com with the subject line “Colorado Do Not Sell Request” and provide us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Colorado Privacy Act (Colorado Revised Statutes Title 6, Article 1, Part 13).
Pursuant to Section 13-61-302(3)(a) of the Utah Code, Utah residents have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. You can exercise this right under Utah Consumer Privacy Act by contacting us at firstname.lastname@example.org with the subject line “Utah Do Not Sell Request” and provide us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Utah Code Section 13, Chapter 61.
If you are a resident of Connecticut, you have the right to opt-out of the sale of certain personal information to third parties who intend to license or sell that personal information. You can exercise this right by contacting us at email@example.com with the subject line “Connecticut Do Not Sell Request” and provide us with your name and the email address associated with your account. Please note that we do not currently sell your personal information as sales are defined in Connecticut Data Privacy Act.
Ribbon does not monitor, recognize, or honor any opt-out or do not track mechanisms, including general web browser “Do Not Track” settings and/or signals.
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