- On the Site, through any means of access.
- In emails, text messages, and other communications we exchange with you through the Site.
- Through mobile and desktop applications you download from the Site, which provide dedicated non-browser-based interaction between you and the Site.
It does not apply to information collected by:
- DM offline, through any other means or any other website; or
- any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Site.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Site, including information:
- by which you may be personally identified, such as your name, postal address, e-mail address, telephone number, social security number, loan number, any other information the Site collects that is defined as personal or personally identifiable information under applicable law, or any other identifier by which you may be contacted online or offline ("personal information");
- any information pertaining to your application for a mortgage loan or the loan itself;
- that is about you but does not identify you as an individual, such as your property address or automobile that you own; and/or
- about your internet connection, the equipment you use to access our Site and usage details.
We collect this information:
- Directly from you when you provide it to us, directly or indirectly, through the Site.
- Automatically as you navigate through the Site collected through cookies, web beacons, and other tracking technologies, as further described below.
Information You Provide to Us
The information we collect on or through our Site may include:
- Information that you provide through our Site (including, without limitation, when you register to use our Site, post material, request further services, or report a problem with our Site).
- Details of your correspondence to us when you contact us (including your email address).
- Your responses to surveys that we might ask you to complete for research purposes.
- Details of your transactions (including, without limitation, mortgage loans) and orders processed through our Site.
- Your search queries on the Site.
You may also provide information for transmission to third parties through the Site; see Third Parties Accessing the Site for more information.
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Site, we may use automatic data collection technologies, such as cookies (“ADC Technologies”), to collect certain information about your equipment, browsing actions, and patterns, including:
- Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Site.
- Information about your computer and internet connection, including your IP address, operating system, and browser type.
We also may use ADC Technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). See HOW TO OPT-OUT for information on how you can opt-out of behavioral tracking on this Site.
Information we collect through ADC Technologies may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us improve our Site and deliver a better and more personalized experience, including by enabling us to:
- Estimate our audience size and usage patterns.
- Store information about your preferences, allowing us to customize our Site according to your individual interests.
- Speed up your searches.
- Recognize you when you return to our Site.
- Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use We Use and Disclosure Your Information
- Web Beacons. Pages of our Site and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit DM, for example, to count users who have visited those pages or opened an email and for other related Site statistics (for example, recording the popularity of certain Site content and verifying system and server integrity).
Third Parties Accessing the Site
Therefore, we encourage you to request and review the privacy policies of any third parties prior to disclosing your information to such parties or upon visiting such third party websites. We do not control third parties' collection or use of your information to serve interest-based advertising.
Disclosure of Your Information
- To our subsidiaries and affiliates.
- To contractors, business partners, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of DM’s business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by DM about our Site users is among the assets transferred.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
We may also disclose your personal information:
- To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of DM, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. To opt-out of any of the following:
- Promotional offers from DM;
- Tracking technologies and advertising; and
- Targeted advertising;
HOW TO OPT-OUT
Correcting Your Information
You can review and change your personal information by logging into the Site and visiting your account profile page, if applicable.
You may also send us an email at firstname.lastname@example.org to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. 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.
Data Security; Data Privacy
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. It is your responsibility to protect the integrity of your computer accounts and passwords. To protect against unauthorized access to your account, be sure to log out each time you finish using the Site. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.
- Data Transmission: When data is transmitted to or from the Site, it is encrypted using a minimum of 128-bit RSA keys over a TLS channel. Examples of this includes: WebDocs, DocMagic Online, DocMagic Direct, LoanMagic, Account Setup, and User Administration. If credit card information is transmitted, DocMagic reveals only the last four digits when confirming an order (of course, the entire credit card number is transmitted to the appropriate credit card company during order processing).
- Network Security: DM employs multiple firewalls to keep out unwanted traffic and intruders. Additionally, an intrusion detection system is used to analyze traffic and alert network security personnel of suspicious activity. DM uses a patch management system to ensure that all servers are up to date with the most current security patches.
- Data Privacy: Each account is treated as a separate entity. Data from different accounts cannot be co-mingled, and there is a logical separation between data maintained in different accounts. Any and all "nonpublic personal information" of your "customers" or "consumers" that DM collects, or that you disclose to DM, is used by DM and transmitted to third parties only as necessary in connection with DM’s provision of its loan document preparation, delivery, imaging, annotation and other related ancillary and complementary services upon your request for such services.
- Disclosure: DM will not disclose any such nonpublic personal information to any other person, except as necessary in the provision of its services or as may be otherwise required by applicable law, unless you authorize DM to do so in writing. DM limits access to such nonpublic personal information to those of its employees and agents who reasonably need such information in order to allow DM to provide its services, and requires such persons to maintain the confidentiality of such information. The terms “nonpublic personal information,” “customers,” and “consumers” have the meanings set forth in Section 509 of the Gramm-Leach-Bliley Act (P.L. 106-102) and/or any federal regulations that implement that Act. DM has implemented appropriate measures that are designed to meet the objectives of the "Interagency Guidelines Establishing Standards for Safekeeping Customer Information," issued jointly by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision effective July 1, 2001.
HOW TO OPT-OUT
When you email us or register with us, you will have the ability to opt-out of receiving certain communications from DM, including voicemail or e-mail. If you do not opt-out, but later decide that you would prefer not to receive e-mail communications from DM, please contact us at email@example.com. In addition, if you have an account with DM, you can opt-out by changing your DM account preferences. Remember, however, that we may still send e-mail or call you in order to provide materials that you request.
Children Under the Age of 13
- Our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or on or through any of its features, register on the Site, use any of the interactive or public comment features of this Site or provide any information about yourself to us, including, without limitation, your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org to request that this information be deleted.
- By using the Site, you hereby represent that you are at least 13 years old. In addition, anyone under 18 years old should seek his or her parent’s or guardian’s permission prior to using or disclosing any personal information on or through the Site.
Governing Law and Jurisdiction
Special Notice to California Residents
Under California Civil Code Section 1798.83, also known as Senate Bill 27, or “Shine the Light” you are entitled to request and receive, free of charge, a copy of DM’s California Information Sharing Disclosure Notice for the previous calendar year. You may email us at email@example.com to request a copy. We will provide the requested information to you at your email address in response. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.
Users From Outside the U.S.
The Site is hosted in the U.S. and is governed by U.S. law. If you are visiting the Site from outside the U.S., please be aware that your information may be transferred to and/or stored and processed in the U.S. where our servers are located. The data protection and other laws of the U.S. may differ from those in your country. By using the Site, you consent to the handling of your information by our facilities and those of third party facilities in accordance with U.S. law.
Any or all information you submit or that we collect as part of the Site may be archived and not permanently deleted. Archived information may be restored or "unarchived" by us for any purpose for use at a later date, even after you terminate use of the Site.
- firstname.lastname@example.org, or
- DocMagic, Inc., 1800 W. 213th Street, Torrance, CA 90501, or/li>
- via our toll-free number: (800) 649-1362.
Last Modified: June 5, 2019