Last Updated: December 31, 2019
CALIFORNIA CONSUMER PRIVACY RIGHTS (CCPA)
California law provides California residents the ability to request certain rights relating to their personal information. The two buttons below provide additional information on our privacy processes and ability to exercise certain requests.
Do Not Sell My Personal Information
PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.
This Privacy Policy discloses the privacy practices of fhahomequotes.org, its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “the Company”) and governs the collection, sharing and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).
This Privacy Policy outlines the types of information we collect, how we use and share this information, and our privacy practices.
Personal Information We Collect
We may collect Personally Identifiable Information (“PII”). This information may include, but is not limited to:
We may also collect Non-Personally Identifiable Information (“Non-PII”). Non-PII is information that:
We also log Internet protocol (IP) server addresses for system administration purposes and catalog traffic patterns through our Websites. This information may or may not be linked to a consumer’s personal information at our discretion.
You are not required to participate in the activities or provide information that we ask you to provide this information. You may always, if you choose, not to participate or provide any information we may have requested, such as your first and last name, gender, email address or date of birth.
Technology Used
Cookies: Are small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer. Cookies allows us to identify files on your computer and record your preferences and other data about your visit to our website. If cookies settings are disabled or changed you may experience site or Services features that do not function properly.
Tracking Data: California residents have the right to know if we respond to do not track signals or cookies. We do not respond to such signals or cookies.
Tracking data collected by us is used to enhance your experience by delivering personalized advertising, or allow third parties to deliver targeted advertising on our website and the websites of third parties. If you wish to disable cookies, you may do so through your browser on your computer or other devices.
Cross-Device Advertising and Tracking: We may collect and use and share the above data with a third party for cross-device advertising. This allows consumers to experience a personalized, informative advertisement that targets specific product interests over multiple devices. This information may be used for analytics, and reporting purposes such as overall campaign success and advertisement effectiveness.
We may implement cross device advertising and tracking to identify and track consumers across devices through identifying characteristics such as a consumer login account and may be used to connect data across different devices. This enables delivery of advertisements or informational data to your multiple devices.
We may apply push notifications and alerts to send you notifications of services and/or products that you have expressed interest in on multiple devices. If you do not want to receive these types of communications, you may turn them off at the device level.
California Privacy Rights-We permit residents of the State of California to use our Service, and comply with the California Business and Professions Code §§ 22575-22579. If you are a California resident please note we do not respond to do not track signals or cookies. You may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Please mail your request to the address under our contact information.
Note: We are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. This is not, and is not intended to be, any type of application for any financial product.
Information Sharing
We use the information collected to provide you with the services and/or products you have requested. This may include passing your PII on to a third party to provide such services or products. We share your PII and Non-PII information with companies and individuals we employ to perform technical functions on our behalf. For example, third parties who host our website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service. We may share your information to manage and protect our information technology infrastructure and security.
Third Parties: We share your PII and Non-PII information with third parties who will provide you with their products, services or opportunities. This includes your preferences and interests, to determine whether you might be interested in those products or services.
Your information, including your PII, may be sold to third parties/vendors. We may also sell your information, including your PII to other affiliated companies, and with other vendors and business partners. Some business partners include companies who provide business services to us or on our behalf, for example to monitor Services activities, market products or services to you, help to maintain our customer database, and administer surveys, e-mails, or contests. We may also disclose your information for any other purpose with your consent.
Aggregate: We may share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the variety of visitors that come to our website, and how those visitors use our website.
As Permitted By Law: We will disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to stay legally complaint or prevent a crime.
Acquisitions: We will share your information if we sell our company or merge with another company.
Third Party Information
We will share your personal information with third parties only in the ways that are described in this privacy policy. We will share your information with third parties who help us in the delivery of the products and services you have requested. You understand and agree that your consent is not a condition, directly or indirectly of a purchase. You understand and agree that if you submit an inquiry on our website, the Company will share the personal information that you provided with our network of clients including but not limited to: mortgage bankers, mortgage brokers, credit consultants, insurance brokers or any other business in our network that may be related or unrelated to the service or product you have expressed interest in. As a result, different types of businesses unrelated to your inquiry may be provided your information and may contact you. When you register or submit an inquiry on our website, you explicitly authorize us to share your information with third parties so that they may contact you via email, SMS, telephone and/or direct mail. Upon submitting your information, you agree to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from us and any third party or affiliate to the phone and/or mobile numbers and email addresses you provide to us today or in the future and to any phone numbers or email addresses subsequently associated with you by us or any third party, affiliate or vendor.
Privacy Policies of Third Parties
This Privacy Policy only addresses the privacy practices by us. We are not responsible for the policies or practices of third parties. Other websites or services, such as those websites we provide links to, websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.
Revising or Removing Your Information
To request a copy of your PII that we have collected or to correct factual inaccuracies within this information please use the Contact Us feature on our website.
You are allowed to edit/change profile settings, nonetheless after the removal of information from a profile, copies of that information may remain accessible elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
Unsubscribe, Opt Out or Revoke
If you would like to opt-out of receiving SMS or email communications from us, you may follow the instructions in our SMS or emails to unsubscribe from our email list or by using the Contact Us feature on our website. To opt-out of third parties’ communications, please follow the instructions to opt-out in those entities’ communications.
You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, indicate using the Contact Us feature on our website, please reference: “Revoke Personal Information” in the message. Data collected may be sold or transferred to our third parties which takes place immediately in real-time and should you unsubscribe, opt-out or revoke consent, your data may have already been sent to our third parties. We cannot revoke your information from a third party if it has already been sold. We will remove your PII from our internal programs and you will no longer receive our communications.
Storage and Security
We take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be guaranteed secure. Any transmission of data at or through our website is at your own risk.
Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our websites, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable this information upon disposal.
Please do not communicate any information to us through unsecured channels. We contractually require that third parties handle your PII similar to our practices. We do not monitor such practices and therefore we are not responsible for third party security or handling of PII.
Children’s Privacy Issues
No part of the Services is designed to attract anyone under the age of 18. Children under the age of 18 may not use the Services. We do not knowingly collect any information from Children under the age of 18.
Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of 18 to use our service. However, if you become aware of the existence of a user who is under the age of 18, or that an individual under 18 has provided their information to us, contact us immediately with details by using the Contact Us feature on our website.
If you are a parent or guardian and believe that your child under the age of 18 has provided personal information to us, you may contact us to request this information be deleted.
Changes to this Policy
We may change this Privacy Policy at any time. When this policy has changed, we will revise the updated date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the Services We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.