Privacy Policy

Effective as of August 19, 2022

This privacy policy (the “Privacy Policy”) relates to the information collection and use practices of Ribbon Home, Inc. (“Ribbon, ““we,” “us,” and/or “our”) in connection with our website www.ribbonhome.com (the “Site”) and our mobile application (the “App” and, together with the Site, the “Platform”) and our products and services offered through the Platform.

BY ACCESSING AND USING THE PLATFORM, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THIS PRIVACY POLICY AND OUR TERMS OF USE FOUND HERE, WHICH ARE HEREBY INCORPORATED HEREIN, AND, TOGETHER WITH THIS PRIVACY POLICY, CONSTITUTES THE AGREEMENT. IF YOU DO NOT AGREE TO ANY OF THE TERMS IN THE AGREEMENT, YOU MAY NOT ACCESS OR USE THE PLATFORM.

Capitalized terms not defined in this Privacy Policy shall have the meaning set forth in our Terms of Use.

The Information We Collect and Receive

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.

1. Contact Information

When you submit an Application for the Program, register an account or contact us, you will be required to provide us with contact information. For Applicants, such information may include your name, address, e-mail address, phone number, date of birth, and social security number. Applicants may also be required to permit us, and our third-party service providers to access Third-Party Accounts (such as financial institutions) on your behalf in order to retrieve additional information about you, and to permit us to perform one or more background checks on you. Further, Applicants will be required to permit us to obtain information from your personal credit profile or other information from one or more consumer reporting agencies. The information we obtain through Third-Party Accounts, background checks, and credit reports may include your credit history, financial information, and other sensitive personal data. For more information about how you grant us permission to access Third-Party Accounts, perform background checks, and perform credit checks, please see our Terms of Use.

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.

All information we collect and/or receive under this Section is collectively called “Contact Information.” We do not collect any Contact Information from you when you visit the Platform unless you provide us with the Contact Information voluntarily or submit an Application which permits us to access Third-Party Accounts, perform background checks, and perform credit checks, as described above and in the Terms of Use.

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2. Payment Information

In order to become a Subscriber, or submit an Application for the Program, and in connection with our provision of services under the Program should you become a Qualified Customer and enter into Customer Agreements with Ribbon, you may be required to link a payment card or cards to your account, by providing us with a debit card number, credit card number, and/or similar information (collectively, the “Payment Information”). Such Payment Information is collected by our third-party vendor pursuant to the terms and conditions of their privacy policy, and we do not obtain access to such Payment Information.

3. Other Information

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:

IP address, which may consist of a static or dynamic IP address and will sometimes point to a specific identifiable computer or device;
Browser type and language;
Referring and exit pages and URLs;
Date and time;
Details regarding your activity on the Platform, such as amount of time spent viewing pages, and other performance and usage data.

c. About Your Device

Type of device;
Operating system and version (e.g., iOS, Android or Windows);
Carrier; and
Network type (WiFi, 3G, 4G, LTE).

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.

e. Third-Party Analytics. We, may use one or more third-party analytics services to evaluate your use of the Platform compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to the Site and mobile and Internet usage. These third parties use cookies and other technologies to help analyze and provide us the data. You consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy.

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.

The Information Collected by or Through Third-Party Advertising Companies

You authorize us to share Other Information about you with third parties, including, but not limited to, advertising and remarketing providers, or other brand partners, for purposes of personalizing or otherwise understanding how you engage with ads or other content. These third parties may use cookies, pixel tags (also called web beacons or clear gifs), or other technologies to collect Other Information in furtherance of such purposes, including to tailor, target (i.e., behavioral, contextual, retargeting, and remarketing), analyze, report on, and/or manage advertising campaigns or other initiatives. For example, when a browser visits a site, pixel tags enable such third-parties to recognize certain cookies stored within the browser to learn which ads or other content bring a user to a given site. In addition, we may collect Other Information from these third parties, including through their service providers, such as advertising identifiers, IP addresses, and post-conversion data and Contact Information, and/or similar information collected through other digital properties.

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.

How We Use and Share the Information

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.

In an ongoing effort to better understand our users and our Platform, we might analyze the Information in aggregate form in order to operate, maintain, manage, and improve the Platform. This aggregate information does not identify you personally. We may share and/or license this aggregate data with our affiliates, agents, and business partners, and other third parties. We may also disclose aggregated user statistics in order to describe our Program, our services, and the Platform to current and prospective business partners and to other third parties for other lawful purposes.
We may employ other companies and individuals to perform functions on our behalf. Examples may include companies and individuals providing credit check and Application review and assessment services, marketing assistance, information technology support, ID verification, maintaining database, and customer service. These other companies, will have access to the Information only as necessary to perform their functions and to the extent permitted by law. Our contracts with all such third parties require them to protect the confidentiality of the Information we provide to them.
We may share some or all of your Information with any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.
As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, the Information may be part of the transferred assets.
To the extent permitted by law, we may also disclose the Information when required by law, court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing such Information is necessary or advisable, for example, to protect the rights, property, or safety of Ribbon, our users, or others.

If Ribbon intends on using your Information in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Information is collected.

Sharing of Your Information with Non-Affiliated Third Parties

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 help@ribbonhome.com; or (ii) request certain information regarding our disclosure of such information to such non-affiliated third parties by contacting us at help@ribbonhome.com.

Your Choices

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 help@ribbonhome.com.

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 help@ribbonhome.com.

How We Protect Your Information

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.

Accessing and Modifying Contact Information and Communication Preferences

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.

Important Notice to Non-U.S. Residents

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.

Children

We do not knowingly collect personal information from children under the age of 13 through the Platform. If you are under 13, please do not give us any personal information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children to never provide personal information through the Platform without their permission. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.

California Privacy Rights

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 help@ribbonhome.com .

Nevada Privacy Rights

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 help@ribbon.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.

Virginia Privacy Rights

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 privacy@lowenstein.com 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).

Colorado Privacy Rights

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 help@ribbonhome.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).

Utah Privacy Rights

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 help@ribbonhome.com 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.

Connecticut Privacy Rights

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 help@ribbonhome.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.

Do Not Track

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.

Google Maps; External Websites

The Platform includes Google Maps features and content which are subject to the then-current versions of the Google Maps/Google Earth Additional Terms of Service available at https://maps.google.com/help/terms_maps.html, as well as the Google Privacy Policy available at https://www.google.com/policies/privacy/.

The Platform may contain links to third-party websites. Ribbon has no control over the privacy practices or the content of any of our business partners, advertisers, sponsors, or other websites to which we provide links. As such, we are not responsible for the content or the privacy policies of those third-party websites. You should check the applicable third-party privacy policy and terms of use when visiting any other websites.

Changes to This Privacy Policy

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time. Any such changes will be posted on the Platform. By accessing the Platform after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please be aware that, to the extent permitted by applicable law, our use of Information is governed by the Privacy Policy in current effect. Please refer back to this Privacy Policy on a regular basis.

How to Contact Us

If you have questions about this Privacy Policy, please e-mail us at help@ribbonhome.com.