Privacy Policy for MIOYM Affordable Homes
Information We Collect:
We collect information about you in three ways:
Information You Provide:
When you use MIOYM Affordable Homes’ website, you will generally be required to provide personally identifying information, which may include your email address, name, address, telephone number which may include income, employment, and bank account information. You may also have to provide certain documents to verify the information you provide.Information from Third Parties:
Third parties, such as credit bureaus, may provide us with information about you. We may combine this information with information we already have about you to evaluate your loan application, create or offer personalized products and services for you, or for similar purposes.Information from Your Use of the Website:
We may collect additional user behavior information during your use of the website. This may include device information (such as your internet protocol address), log information (such as pages visited), location information (such as your geographical location), and other information (such as cookies and anonymous identifiers).
We will retain your information for as long as needed to provide you services or as necessary to comply with our legal obligations and our backup, archival, and audit procedures.
How We Use Information We Collect:
Information we collect from you may be used in one or more of the following ways:
- To verify your identity and age and to guard against potential fraud.
- To obtain, with your authorization, third-party data from credit bureaus or others in connection with your loan application.
- To personalize your experience using the website.
- To provide customer service.
- To enable our service providers to provide you with services, such as funds transfers, billing, payments, and collection activities as needed.
- To improve our products and services and identify, develop, or offer new products and services.
- For our marketing purposes to offer our products and services to you.
- To enforce agreements with you.
- To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request.
- To fulfill any other purpose for which you provide it or otherwise give your consent.
Information We Share:
MIOYM Affordable Homes will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described above. Information that has been made anonymous so that it does not identify a specific user is not considered personal information, and we may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors.
Federal and state laws allow you to restrict the sharing of your personal information in certain instances, such as sharing your information so that third parties can market to you. However, because we will not share your information in these instances, there is no need for you to opt out from this kind of information sharing.
How We Protect Your Information:
MIOYM Affordable Homes is committed to safeguarding your personal information through various industry-standard policies and practices.
We protect your account security by employing session time-outs, which log you out of the website after a specified period, and by employing secure password practices, including password strength requirements and secure password reset procedures. Your password is not known to any employee or service provider of MIOYM Affordable Homes.
We protect your data in our care by storing sensitive personal and financial information, such as bank account numbers, in a secure, off-site, hosted environment, which can only be read or written through defined service access points which are password-protected and accessible only to employees and service providers with a permitted need to access such information.
Cookies and Other Technologies:
We use various technologies to collect and store non-personally identifiable information when you use the website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including web beacons, clear GIFs, pixel tags, and other means. MIOYM Affordable Homes may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.
Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser’s “Help” section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser’s settings regarding cookies. Please note that without cookies, you may not be able to take full advantage of all of the website’s features.
We may use cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about website traffic and website interaction so that we can offer better website experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our website visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.
Links to Third-Party Websites:
The website may also contain links to websites that are not controlled or operated by us. This policy does not apply to such third-party websites and MIOYM Affordable Homes is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information to such parties or visiting such third-party websites.
Compliance with State and Federal Laws:
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state charged with overseeing privacy rights for consumers.
Modifications to This Policy:
MIOYM Affordable Homes reserves the right to make changes to this policy at any time and from time to time and by using or accessing the website, you agree that we may modify this policy at any time without prior notice. Any modification is effective immediately upon posting on the website. Your continued use of the website after any modification of this policy indicates your acceptance of the modification and the policy as so modified. You will know if this privacy policy has been modified since your last visit to the website by referring to the last modified date at the end of this page. Notwithstanding the above, we will seek your consent to future modifications to the extent we are required to do so by applicable law.
How You Can Contact Us:
You may email us at [email protected] to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Last Modified: 07/31/2024