For additional important information, please see our Consumer Privacy Notice which explains how we treat information under the Gramm-Leach-Bliley Act ("GLBA"). For California residents, please see our Supplemental Notice for California Residents at the end of this policy.
Our Services are intended for people who are in the United States. If you live outside of the United States and choose to use our Services, you understand that it is at your own risk. You also understand that your information may be sent to the United States. The United States may not afford the same level of protection as laws in your own country.
Our Services are not intended for use by children under the age of 18 years. We do not knowingly collect personal information directly from children under the age of 18 years. If we discover that we have received personal information directly from a child under the age of 18 years, we will delete that personal information. If you are a parent or legal guardian and believe we have collected personal information directly from your child, you may contact us at 1-866-217-4955 to request that such personal information be deleted.
Information We Collect
We collect content, images, and other information you provide to us when you access our Services, including when you interact with our Website; communicate with us about our Services via email, SMS message, or telephone; respond to one of our surveys or otherwise interact with us. Information you may choose to provide to us includes:
- Your name, address, telephone number, and email address;
- Social Security number;
- Employment information;
- Mortgage rates and payments;
- Financial information, including bank account information and balances;
- Wire transfer instructions;
- Circumstances related to your purchase or sale of a home;
- Your driver's license or state ID information;
- Real estate offer letters;
- Citizenship status (for tax purposes); and
- Marital status (for tax calculation purposes).
Information we may collect from the devices you use to access our Services includes:
- Information you allow us to receive through device settings you turn on, such as access to your GPS location;
- Data from cookies, tags, pixels, web beacons, and log files stored on your device, including cookie IDs, page views, how often you visit our Website, and links you click on, as well as recording clicks, mouse movements, scrolls, keystrokes, and other information about your browsing session.
Information we may collect from other sources includes:
- Information from our partners, service providers, and affiliated businesses;
- Information from credit bureaus;
Information from public government sources, such as:
- Tax assessments of your home;
- Information contained on the deed to your home, such as name, address, liens, encumbrances, and title;
- The number of bedrooms and bathrooms in your home;
- Whether your home is in an earthquake or flood zone;
- Permits issued for remodels and additions; and
- The square footage of your home and the year it was built.
How We Use Your Information
We generally use your information for your convenience, to improve our Services, and for the following business and commercial purposes. More specifically, we may use it:
- To Contact You. We use the information that we collect to communicate with you, including to respond to your questions and requests.
- To Improve our Website. We may use your information to help diagnose problems with our servers and to otherwise administer the Website.
- To Advertise. We may use information collected from you to provide you with information about additional services that OS National or our affiliated companies offer, such as home financing and homeowners' insurance services.
- To Do Market Research. We are constantly striving to improve our customer experience. We may aggregate and analyze consumer information that we collect on our Website and from conversations with our customers help us change and grow.
- To Support Information Security and Debugging. We may use information about you and your use of the Services to detect security incidents, protect against malicious, fraudulent, or illegal activity, and improve the security of our systems. We may also use this information to identify and repair errors that impair existing intended functionality.
- In Connection with a Dispute. We may use personal information to prosecute or defend against claims in court and other dispute resolution forums.
- Legitimate Business Purposes. We may use information about you for our other legitimate business purposes as permitted by applicable law.
How We Disclose Your Information
We generally disclose your information to facilitate your transactions and improve your experience in using the Services or otherwise manage our relationship with you. More specifically, we may disclose it:
- With our affiliated companies. We may disclose your information to our affiliated companies to the extent not otherwise prohibited by law.
- With service providers. We may disclose your information to service providers that provide services to us and act on our behalf, including payment processors, technology and infrastructure providers, digital communications services, commercial data and market research analysts, consumer report providers, auditors and accountants, physical site security providers, and IT security and bug-fix partners.
- With our business partners. We may disclose information to third parties to the extent allowed by law.
- With any successor to our business. For example, if all or part of our business is sold, we may include your information as part of that transaction.
- To comply with the law or to protect ourselves. We may disclose information to government agencies, consumer-reporting agencies, and other outside parties as permitted or required by applicable laws. For example, we will disclose information if a court, government agency, or investigatory body requests it. We may also disclose information if we are investigating potential fraud or as part of other legal proceedings, such as in connection with pending litigation.
- Legitimate Business Purposes. We may disclose information about you for our other legitimate business purposes as permitted by applicable law.
We use commercially reasonable physical, electronic, administrative, and procedural safeguards to preserve the integrity, confidentiality, and security of all personal information we collect. However, no security measure, system, or control is infallible. Therefore, like all businesses, we cannot guarantee that your information will be invulnerable to attack or misuse.
You have a major role in the security and privacy of your own information. For example, you should not provide us with personal information that we do not request. Additionally, you are responsible for controlling access to any computing device through which your information may be stored or accessed. You are also responsible for safeguarding any passwords or other log-in credentials that may be used to access your information. We recommend that you log out of any account when you are done using it.
Please remember to review the privacy settings and security policies of third-party sites and services that you use, such as social networks. We are not responsible for the privacy or security measures of any third party.
In the event that the security of any personal information under our control is compromised, we will take reasonable steps to investigate and mitigate the situation, including, when appropriate, notifying those individuals whose information may have been compromised and taking other steps in accordance with applicable laws and regulations.
Cookies and Tracking
A cookie is a small text file stored on your device by a website. When you visit our Website, we may use session cookies (which expire once you close your web browser) or persistent cookies (which stay on your device until you delete them) to make your experience on our Website more personal and interactive.
We may also allow third-party cookies on our Website to assist in enhancing the Website. For example, we allow Google to provide us with analytics on our Website traffic. For more information about how to opt-out of Google Analytics, you can visit: https://tools.google.com/dlpage/gaoptout.
You may have additional choices available to you with regards to some online behavioral advertising cookies. Please visit the Digital Advertising Alliance at https://optout.aboutads.info/?c=2&lang=EN or the Network Advertising Initiative at https://optout.networkadvertising.org/?c=1 for more information.
- Marketing Opt-Out. If you want to opt-out of marketing, please contact us at 1-866-217-4955. You may also follow the unsubscribe instructions in any marketing you get from us. Please note that even if you opt out of marketing, you will continue to receive messages from us about your relationship with us.
- California Residents. Learn more about the rights and options under the California Consumer Privacy Act (CCPA) law by reviewing the section "For California Residents" below. You can also contact us at 1-866-217-4955.
- Cookies. While many browsers are set up to accept cookies, you can adjust your browser settings to reject cookies or to warn when a cookie is being sent. Note that if you remove or reject cookies, you may not be able to use certain features on our Website.
- Mobile Devices. Your mobile device may give you the ability to opt out of the use of certain information it collects and/or tracks. For instance, you may be able to "Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices and/or "Limit Ad Tracking" on iOS devices. You can also adjust the collection of location information from a mobile device by changing the preferences on the device.
- Do Not Track. Some web browsers have "do not track" features that you may enable by adjusting your browser settings. However, our Website and other Services may not respond to Do Not Track signals from some or all browsers.
Supplemental Notice for California Residents
Our Collection of Personal Information under the California Consumer Privacy Act
We may collect the following categories of personal information:
- Personal identifiers, such as
- Your name, address, phone number, and email address
- Personal information described in the California Customer Records statute (Cal. Civ. Code § 1798.80(e), such as
- Your signature
- Protected classification characteristics under California or federal law, such as
- Veteran or military status
- Commercial information, such as
- Mortgage rates and payments
- Circumstances related to your purchase or sale of a home
- Real estate offer letters
- Internet or other electronic activity information, such as
- Browsing history
- Information related to your interaction with an internet website application
- Geolocation data, such as
- Physical location
- Sensory data, such as
- Audio, electronic, or visual information
- Professional or employment-related information, such as
- Work phone number
- Employer name
- Sensitive personal information, such as
- Your social security number
- Your driver's license or state ID information
- Citizenship status (for tax purposes), financial information, including bank account information and balances
- Precise geolocation
- Inferences, such as
- Payment preferences
Categories of sources from which we collect these categories of personal information about you:
Categories of third parties to which we may disclose these categories of personal information:
- Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
- Helping to ensure security and integrity to the extent the use of the consumer's personal information is reasonably necessary and proportionate for these purposes.
- Debugging to identify and repair errors that impair existing intended functionality.
- Short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a consumer's current interaction with the business, provided that the consumer's personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer's experience outside the current interaction with the business.
- Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business.
- Undertaking internal research for technological development and demonstration.
- Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.
We do not sell or share your personal information or sensitive personal information. We have no actual knowledge that we have sold any personal information of consumers under 16 years of age.
Consumers that are California residents (hereinafter, "you") have specific rights under the California Consumer Privacy Act ("CCPA"). They include:
- The right to request that we disclose what personal information we collect, use, and share about you, unless subject to a legal exception. This request may include the following:
- The categories of personal information and sensitive personal information that we have collected about you.
- The categories of sources from which the personal information and sensitive personal information is collected.
- The business or commercial purpose for collecting or selling personal information or sensitive personal information.
- The categories of third parties with whom we share personal information or sensitive personal information.
- The specific pieces of personal information or sensitive personal information we have collected about you.
- The right to opt-out of sales to third parties of any personal information about you (as sale is defined by the CCPA).
- The right to opt-out of sharing to third parties of any personal information about you (as share is defined by the CCPA).
- The right to request that we correct inaccurate personal information about you, unless subject to a legal exception.
- The right to request that we delete personal information about you, unless subject to a legal exception.
- The right to know what personal information or sensitive personal information is sold or shared and to whom.
- The right to request that we limit the use and disclosure of your sensitive personal information, unless subject to a legal exception.
The right to be notified that we collect personal information about you, and the purposes for which the information will be used.
How to Make a California Consumer Privacy Act Request
You may submit a request under the CCPA by visiting our Privacy Center (click "Make a Privacy Request" to get started) or by calling 1-866-217-4955. Only you or a duly authorized agent may make a CCPA request on your behalf. You have the right to make a free request twice during any twelve-month period. The request must:
- Provide sufficient information for us to reasonably verify that you are the person, or an authorized agent of the person, about whom we collected the personal information (including your name and email address, and, for authorized agents, proof that you gave the agent signed permission to submit the request); and
- Describe your request with sufficient detail for us to properly understand, evaluate, and respond to it.
Submitting a request does not require you to create an account with us. However, for your safety and the safety of your information, we cannot fulfill a request if we cannot verify your identity or authority to make the request and confirm the personal information relates to you or an individual for whom you are an authorized agent. We may require additional verification before responding to particularly sensitive requests. We will only use the verification information you provide for the purpose of verifying your identity or authority to make the request.
We do not charge you a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
If you would like to appeal one of our decisions about a request, please contact us at 1-866-217-4955.
We will not discriminate or retaliate against you for exercising your rights under the CCPA. Unless permitted by law, we will not:
- Deny you goods or services;
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
- Provide you a different level of quality of goods or services; or
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or service.
Retention of Your Information
How to Contact Us
If you have any questions about this Policy, please contact us at 1-866-217-4955.
Updates To This Policy
This Policy is updated regularly. We will notify you of any changes to this Policy by posting the new Policy with the last modified date. Please check our Website periodically for updates, as changes will be effective as soon as the revised Policy is posted, unless otherwise stated. Your inaction or continued use of the Website, or your provision of information to us after any such notices constitutes acceptance of those changes.
This Policy was last updated on December 27, 2022.