Xome Inc. collects information about you
when you use our mobile applications, websites, or other services
(collectively, "Services") and through other interactions or communications you
may have with us or through our Services. Xome Inc. and its affiliates may be
referred to collectively as "Xome", "we" or "us". This privacy policy applies
to any user of our Services for any reason and anywhere in the world.
Please take a moment to read this Privacy
Policy to understand how we collect, use and share the information that we
collect from or about you.
1. What Information We Collect
Information You Provide Directly:
When you use our Services, we collect a
variety of information from you directly, including personally identifiable
information. This information is obtained from your online registrations,
searches, applications, surveys or other forms you may complete. For example,
when you register to use our Services, you provide us with certain personal
information, such as your name, physical address, e-mail address or phone
number. If you register to participate in an auction event, we may collect
additional information from you, including financial and credit information, as
well as details about the properties you choose to bid on and your bidding
patterns and history. You may also provide information about third parties, for
example, if you share property listings with others via e-mail. Further, we may
collect information about your transactions with our affiliates or others, and
may combine all information that is collected from your interactions with us,
our affiliates and others.
Information You Provide By Using Our
Services:
In addition to the information that you provide directly, we collect and
store information such as your unique device identifier, the page or subject
areas you visit, your browser program, Internet Protocol address, operating
system and language, the state or country from which you accessed our Services,
the information you request, the date and time of your visits, the websites you
visited before and after visiting our websites, error logs, preferences
expressed, settings chosen, hardware and
software information of your device. If you permit our Services to access
location services through the permission system used by your mobile operating
system, we may also collect the precise location of your device while you
actively use it. We may also derive your approximate location based on your IP
address. You may deactivate the location service on your mobile device but some
of our Service features may be unavailable.
If you use any social networking
functionality provided by us, we may access and use your social network profile
information that you have made available to be shared.
2. How We Collect Information
We may send cookies to your computer
primarily to enhance your online experience. Cookies are small files that can
identify you as a unique user and store your personal preferences or technical
information (including click through and click stream data). Cookies can either
be permanent (i.e., they remain on your computer until you delete them) or
temporary (i.e., they last only until you close your browser). You can reset
your browser to refuse all cookies or to indicate when a cookie is being sent.
However, various features of our Services may not properly function without
cookies.
We may also use tracking systems such as
web beacons which monitor your use of our Services. This tracking system provides
a method for delivering a graphic image on a web page for the purpose of
transferring data, such as the Internet Protocol address of a computer, the
Uniform Resource Locator of the page displaying the web beacon, the time the
page containing the web beacon was viewed, the type of browser that fetched the
web beacon and the identification number of any cookie on the computer
previously placed by that server. When corresponding with you via HTML capable
e-mail, web beacons let us know whether you received and opened our e-mail.
On their own, cookies or web beacons do not
contain or reveal any personally identifiable information. However, if you
choose to furnish personally identifiable information through our Services,
this information can be linked to the data stored in the cookies/web beacons.
Through your ongoing use of our Services, you specifically agree to our
described methods of collecting data and information. You may adjust the
privacy and security settings of your browser or mobile device to reject
cookies from us or from any other site. Additionally, by setting your web
browser to display HTML e-mails as text only, you may be able to prevent the
use of some web beacons. Please consult the "Help" section of your
browser for more information, or consult the instructions set forth by your
mobile service provider or mobile device manufacturer. However, certain areas
of our websites can only be accessed in conjunction with cookies or similar
devices and you should be aware that disabling cookies or similar devices might
prevent you from accessing some of our content.
2. Information Use and Disclosure
Unless you choose to opt-out, by using our
Services, you consent that we may use or share information we have about you to
enhance your user experience, determine your eligibility for a wider range of
services or products available to you and provide you notification of same,
customize and personalize the content provided to you through our Services,
send you information about topics that may be of interest to you, perform
research and analytics, provide you communications related to your account and present
you with information regarding products and services from our affiliates.
Further, we may share your information with
others in the following ways:
With Affiliates of Xome
Federal law gives you the opportunity to
limit the sharing of "non-experience information" among affiliates of
Xome. "Non-experience information" includes information that is used,
expected to be used, or collected for the purpose of establishing your
eligibility for consumer credit, insurance or deposit accounts, and is not
related solely to your transactions or other experiences with us, including
information:
We may share the customer information that we
collect with our affiliated companies that provide financial and other
services, such as mortgage lenders, insurance agencies, title/escrow and other
settlement services companies.
If you prefer that we not share
non-experience information about you with an affiliate of Xome for marketing
purposes, you may opt out. That is, you may direct us not to share this
information by calling us toll-free at (800) 758-8052 or by making a written
request to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067,
Privacy@xome.com
. Federal law also gives you the
option of limiting our affiliates' use of your information that we share with
them.
With Third Party Service Providers, Joint
Marketers and As Otherwise Permitted by Law
We may work with non-affiliated companies
or organizations to provide you with opportunities to buy products or services
offered by us or jointly with other companies, including financial
institutions. Consequently, we may disclose some or all of the information that
we collect to the following:
For your protection, we require that these
companies keep all personal information secure and confidential.
There may be additional times when it is
necessary for us to use and share your information, and we may disclose some or
all of the information that we collect as permitted by law.
We may also disclose your personal
information:
With Other Third Parties
We may disclose some or all of the
information that we collect with non-affiliated companies or other
organizations, including:
California residents,
review additional information
about your
privacy rights.
If you prefer that we not share such
information about you with non-affiliates of Xome, you may opt out. That is,
you may direct us not to share this information by calling us toll-free at
(800) 758-8052 or by making a written request to us at 750 Highway 121 BYP,
Suite 100, Lewisville, TX 75067,
alerts@xome.com
.
3. Targeted Advertising
We may also use technologies to collect
information about your online activities over time and across third party
websites or other online services (behavioral tracking). We believe that this
online behavioral tracking helps to provide you with more relevant advertising
based upon on the websites you visit. Third parties may also use similar
technologies to collect information about your online activities over time and
across different third party sites, including your use of our Website.
You can visit the
NAI Opt-Out web
site
for information on how you can opt out of behavioral tracking on our Website.
Using the choice mechanisms these programs make available may help you see
advertising that is relevant to you or help you avoid seeing interest-based
advertising generally. Please note that the Website does not respond to or
honor "Do Not Track" requests. We also use cookies to improve the
performance of our advertising on other websites. Although you may not opt out
of receiving online advertisements generally, you may control the collection of
data on our site used for targeted Xome advertising during your visits to other
websites. To opt-out of our data collection for targeted advertising on other
sites, click here:
Opt Out Now
.
4. How We Protect Your Information
Keeping your personal information secure is
one of our most important responsibilities. Only those persons who need it to
perform their job responsibilities are authorized to access your information.
We take commercially reasonable precautions to protect your information and
limit disclosure by maintaining physical, electronic and procedural safeguards.
5. Maintenance of Accurate Information
We have established commercially reasonable
procedures designed to ensure that your personal information is as accurate and
complete as possible. If you believe that our records contain inaccurate or
incomplete information about you, please notify us by calling (800) 758-8052 or
sending a written inquiry to us at 750 Highway 121 BYP, Suite 100, Lewisville,
TX 75067, or by sending us an email to
alerts@xome.com
. We will take
commercially reasonable steps to investigate your concerns and correct
inaccurate information in a timely manner.
6. Other Websites
Our websites may contain hyperlinks to
other Internet sites. While we try to link only to sites that share our high
standards and respect for privacy, we are not responsible for the content or
the privacy practices employed by other sites. These other websites may collect
and share data in a manner that is not consistent with our privacy practices. Our
websites may also contain hyperlinks to the Internet sites of Xome affiliates.
This Privacy Policy applies only to Services. The privacy policy of Xome
affiliates may differ from this Privacy Policy, and any activity conducted on
an affiliate's website is governed by the privacy policy of that affiliate. We
encourage you to review the privacy policy of any website you may visit via
hyperlink from our website to ensure that you agree with the terms of that
policy prior to using the site.
7. Changes to this Privacy Policy
We may revise this Privacy Policy from time
to time as it deems necessary. Any changes to the Privacy Policy will be posted
on this webpage and take immediate effect. Please review this webpage on a
regular basis to remain informed about the most recent terms of our Privacy
Policy.
8. Acceptance of Privacy Policy Terms
Your ongoing use of our Services
constitutes your acceptance of this Privacy Policy, including any changes to
the Privacy Policy following the posting of such changes. If you do not agree
with this Privacy Policy, please do not use our Services.
9. Children Under 13 Years of Age.
Pursuant to Xome's Terms of Use, use of our
Services by children under the age of 13 is prohibited. Consistent with this
prohibition we will not purposely or intentionally collect any information of
any child under the age of 13.
10. Nevada Residents Only
Through your registration, searches,
applications, surveys or other forms you may complete in the process of using
our Services on xome.com, we collect a variety of information from you
directly, including, without limitation, name, physical address, telephone
number(s) and an e-mail address.The
information that we collect may be viewed, updated and edited through your user
profile available on xome.com. You may
also contact xome.com, per Section 5 above, should you have any questions or
concerns regarding your personal information.
Your information may be shared with third
parties and affiliates in accordance with Section 2 above.Additionally, third parties may look to
collect information relative to your use of our Website or other sites you
visit immediately prior to or after arriving at our Website, as further
described in Section 3 above.
Any material changes to this privacy policy
will be made in accordance with Section 7 above.
11. Effective
Date
This Privacy Policy is effective October 15,
2017.
