Effective as of August 11, 2020
In the course of operating the Site and the Program, we will collect (and/or receive) the following types of information. You authorize us to collect and/or receive such information.
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
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.
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 Site, including, without limitation:
c. About Your Device
If you do not want us to deploy cookies in your browser, you can opt out by setting your browser to reject cookies or to notify you when a website tries to put a cookie in your browser software. If you choose to disable cookies in your browser, you can still use the Site, although your ability to use some of the features may be affected.
For more information on these third parties, including how to opt out from certain data collection, please visit the following links:
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
Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Site.
f. From Other Sources. Additional information that we collect or receive from third-party sources in accordance with their privacy policies.
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 the Contact Information, Payment Information, and Other Information (collectively, “Information”) to provide you the Site, 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 email@example.com; or (ii) request certain information regarding our disclosure of such information to such non-affiliated third parties by contacting us at firstname.lastname@example.org.
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 email@example.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 firstname.lastname@example.org.
We take commercially reasonable steps to protect the Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. We maintain physical, electronic, and procedural safeguards that comply with applicable state and federal laws and regulations to guard non-public personal financial information from unauthorized access, use, and disclosure. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the Information you supply 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 Site by filling out an Application, you may access, review, and make changes to your Contact Information by following the instructions found on the Site. 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 Site 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 Site, 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 email@example.com.
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 firstname.lastname@example.org 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.
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.