INTRODUCTION

Civic Financial Services, LLC (“CIVIC”, “we,” “us,” or “our”) recognizes that in the financial services industry there is a critical need of protecting consumer data. Therefore, the privacy of personal information is of primary concern for CIVIC.

This Privacy Policy (“Policy”) explains how we collect, share, use, and safeguard information, as well as the rights and choices consumers may have with respect to these practices.

SAFEGUARDING INFORMATION

CIVIC provides what we believe to be reasonable physical, electronic, administrative and procedural safeguards in an effort to preserve the security, integrity, and confidentiality of all personal information collected. These protections include among other things, building security, controlled access to customer files, and technological safeguards such as use of passwords, firewalls, virus prevention, and detection software.

INFORMATION WE COLLECT

This Policy covers the information we collect about you to assist us in serving your financial needs, providing you with quality products and services, and satisfying legal and regulatory requirements. You may provide information to us in various ways, such as when you request information about us, our products and services, inquire about job postings, submit applications, forms, and surveys, or send us question, comments, or feedback. The information we collect is both Personal and Non-Personal in nature. Personal Information may include your name, address, age, phone number, social security number, employment information, and financial information. Non-personal information may include data on when you visit and interact with our website or services.

INFORMATION SHARING

We may share your Personal Information with third parties who assist us in the administration, processing, and servicing of your loan. These third parties may include title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans, among others. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

ACCESSING AND CORRECTING YOUR INFORMATION

You can review your Personal Information by logging into Origin8 and visiting your account profile page. You may also send us an email at privacy@civicfs.com 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.

INFORMATION RETENTION

We will retain your information for the period of time necessary to satisfy legal and regulatory requirements.

INFORMATION SELLING

We do not sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, your Personal Information to another business or third party for monetary or valuable consideration.

CALIFORNIA CONSUMER PRIVACY ACT AND DO NOT TRACK

As a resident of California, you have certain rights with respect to the collection of your Personal Information. For more information about these rights and how to exercise them, please see our Privacy Policy for California Residents.

COMMUNICATIONS

We may use your Personal Information to communicate with you. We also may provide notifications to you that are required by law. You may not opt out of such services-related and legally required communications.  Subject to applicable law, we may provide such notifications to you via email, text message, hard copy, or through conspicuous posting on our website. You can update your account information and profile settings at any time by logging into Origin8 and changing your profile settings or emailing privacy@civicfs.com.

We may also send you marketing emails, including promotions and new product offerings. You can stop receiving marketing email communications from us by clicking on the unsubscribe link provided at the bottom of the communications. We make reasonable efforts to promptly process all unsubscribe requests. Furthermore, we may send marketing text messages to your mobile phone if you opt in. Standard message and data rates may apply. You can opt-out of these messages by informing the sender or by emailing us at privacy@civicfs.com.

CHILDREN’S ONLINE PRIVACY

Our websites are intended for use by ages 18 or older. We do not knowingly collect any Personal Information from minors and minors should not use our websites or our services at any time.

COOKIES AND INTERNET BASED ADVERTISING

We may automatically collect certain types of usage information when you use our website including but not limited to your browser type, operating system, Internet Protocol address, bandwidth speed, and information collected through cookies, web beacons, and other technologies (“Usage Data”).  Some specific examples include:

  • We may send one or more cookies — a small text file containing a string of alphanumeric characters — to your computer. Cookies uniquely identify your browser and allow us to help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the website (e.g., the pages you view, the links you click, how frequently you access the website, and other actions you take on the website), and allow us to track your usage of the website over time.
  • We may collect log file information from your browser or mobile device each time you access the website. Log file information may include anonymous information such as your web request, Internet Protocol address, browser type, information about your mobile device, referring / exit pages and URLs, number of clicks and how you interact with links on the website, domain names, landing pages, pages viewed, and other such information.
  • We may employ clear gifs to track users’ online usage patterns of our website or which emails are opened and which links are clicked by recipients.
  • We may collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the website. These tools collect information sent by your browser or mobile device, including the pages you visit, your use of third party applications, and other information that assists us in analyzing and improving the website.

We generally use Usage Data for user convenience, system administration, and statistical analysis, such as to: (i) remember information so that you will not have to re-enter it; (ii) provide customized content and information, including advertising; (iii) monitor the effectiveness of our website; (iv) monitor aggregate metrics such as total number of visitors, traffic, and usage patterns; (v) diagnose or fix technology problems; and (vi) enhance our website. Types of Usage Data that qualify as Personal Information will be treated as such under this Policy. If desired, you can often delete or disable cookies through your web browser’s settings, as discussed in Internet Explorer, Firefox, Chrome, and Safari.

You may also opt out of the use of cookies by Google Analytics. Click here to read policy.

You can learn more about managing your preferences for ads online through resources made available by the Digital Advertising Alliance  or via the Network Advertising Initiative.  You may also opt out of interest-based advertising on an iOS or Android device by selecting the “Limit Ad Tracking” option in the device’s settings.

THIRD PARTIES

This Policy does not govern the practices of third parties, including but not limited to their websites, services, and applications (“Third Party Services”). While we attempt to facilitate access only to those Third Party Services that share our priority for your privacy, we cannot take responsibility for the content, privacy policies, or practices of these Third Party Services. Please consult the privacy policies of these Third Party Services for additional information on their information collection, sharing, and protection practices.

CHANGES TO OUR PRIVACY POLICY

We may modify this Policy from time to time. We will promptly make any changes available at www.civicfs.com/privacy. Changes will be effective as soon as the revised Policy is posted, unless otherwise stated. Your continued use of our website after we post a revised version of this Policy signifies your acceptance.

CONTACT INFORMATION

If you have any questions about this Policy, you can email us at privacy@civicfs.com. To reach us by mail, please write to us at the following address:

Attention: Compliance Department
Civic Financial Services, LLC
2015 Manhattan Beach Blvd., Suite 106
Redondo Beach, CA 90278

This Policy was last modified on April 13, 2020.

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