Dr. Mortgage, LLC, a Florida limited liability company (“Dr. Mortgage” or “we” or “us” or “our”), respects the privacy of our Users (“you”) that use our Website located at www.dr-mortgage.com.
From time to time, we may want to contact you with information about announcements, Website updates, promotions and special offers. We also may want to contact you with information about products and services from our business partners. You may opt out of such communications at any time by clicking the “unsubscribe” link found within our emails and changing your contact preferences. If you have provided us with your email address, you may continue to receive transactional messages related to our Website, even if you unsubscribe from promotional emails.
For EEA Users: We only send marketing communications to Users located in the EEA with your prior consent. Please see the section “For EEA Users” below.
GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY-IDENTIFYING INFORMATION
Users of the Website Generally.
“Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly associated with a specific person. “Personally-Identifying Information,” by contrast, is information such as a name or email address that, without more, can be directly associated with a specific person. Like most website operators, Dr. Mortgage gathers from Users Non-Personally-Identifying Information of the sort that web browsers and mobile device applications, depending on their settings, may make available. That information includes a User’s Internet Protocol (IP) address, operating system, browser type and the locations of websites or apps the User views right before arriving at, while navigating and immediately after leaving the Website, as more fully described herein. Although such information is not Personally-Identifying Information, it may be possible for us to determine from an IP address your internet service provider and the geographic location of your point of connectivity as well as other statistical usage data. We may analyze Non-Personally-Identifying Information gathered from Users to help us better understand how the Website is being used. By identifying patterns and trends in usage, Dr. Mortgage is able to better design the Website to improve Users’ experiences, both in terms of Content and ease of use. From time to time, we may also release the Non-Personally-Identifying Information gathered from Users in the aggregate, such as by publishing a report on trends in the usage of the Website.
Automatically Collected Information.
Certain data about the devices you use to connect with our Website and your use thereof may be automatically logged in our systems, including:
Mobile Device Information. If you use a mobile device to access the Website, we may collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
Log data. As with most websites and technology services delivered over the internet, our servers automatically collect data when you access or use our Website and record it in log files. This log data may include the IP address, browser type and settings, the date and time of use, information about browser configuration, language preferences, and cookie data.
Usage information. This is information about the Website and how you use it. We may also obtain data from our third-party service providers to analyze how Users use our Website. For example, we will know how many Users access a specific page on the Website and which links they clicked on. We use this aggregated information to better understand and optimize the Website.
Device information. This is data from your computer or mobile device, such as the type of hardware and software you are using (for example, your operating system and browser type), as well as unique device identifiers for devices that are using our software.
Web Cookies. Data obtained from cookies are described below.
Web Cookies are small text files stored on your device and used by web browsers to deliver personalized content and remember logins and account settings. Dr. Mortgage uses Web Cookies and similar technologies, including tracking pixels and web beacons, to collect usage and analytic data that helps us provide our Website to you, as well as to help deliver ads for relevant products and services to you when you visit certain pages on the Website and then visit certain third-party sites. For more information on cookies and how Dr. Mortgage uses them, please email us at the email address provided below.
WEBSITE USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE WEB COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF WEB COOKIES. WEBSITE USERS WHO REFUSE WEB COOKIES ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.
A “Web Beacon” is an object that is embedded in a web page or email that is usually invisible to the user and allows website operators to check whether a user has viewed a particular web page or an email. Dr. Mortgage may use Web Beacons on the Website and in emails to count Users who have visited particular pages, viewed emails and to deliver co-branded services. Web Beacons are not used to access Users’ Personally-Identifying Information. They are a technique that Dr. Mortgage may use to compile aggregated statistics about Website usage. Web Beacons collect only a limited set of information, including a number, time and date of a page or email view and a description of the page or email on which the Web Beacon resides. You may not decline Web Beacons. However, they can be rendered ineffective by declining all Web Cookies or modifying your browser setting to notify you each time a Web Cookie is tendered, permitting you to accept or decline Web Cookies on an individual basis.
We may use third-party vendors, including Google, who use first-party Web Cookies (such as the Google Analytics cookie) and third-party Web Cookies (such as the DoubleClick cookie) together to inform, optimize and serve ads based on your past activity on the Website, including Google Analytics for Display Advertising. The information collected may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. If you do not want any information to be collected and used by Google Analytics, you can install an opt-out in your web browser (https://tools.google.com/dlpage/gaoptout/) and/or opt out from Google Analytics for Display Advertising or the Google Display Network by using Google’s Ads Settings (www.google.com/settings/ads).
Aggregated and Non-Personally-Identifying Information.
We may share aggregated and Non-Personally Identifying Information we collect under any of the above circumstances. We may also share it with third parties and our affiliate companies to develop and deliver targeted advertising on the Website and on websites of third parties. We may combine Non-Personally Identifying Information we collect with additional Non-Personally Identifying Information collected from other sources. We also may share aggregated information with third parties, advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to the Website and the most popular features accessed. This information does not contain any Personally-Identifying Information and may be used to develop the Website and Content that we hope you and other Users will find of interest and to target content and advertising.
Additional Terms for Mobile Device Users.
Geo-Location Information. Unless we have received your prior consent, we do not access or track any location-based information from your mobile device at any time while accessing our Website on your mobile device, except that it may be possible for Dr. Mortgage to determine from an IP address the geographic location of your point of connectivity, in which case we may gather and use such general location data.
Social Media. We may use hyperlinks on the Website which will redirect you to a social network if you click on the respective link. However, when you click on a social plug-in, such as Facebook’s “Like” button, Twitter’s “tweet” button or the Google+, that particular social network’s plugin will be activated and your browser will directly connect to that provider’s servers. If you do not use these buttons, none of your data will be sent to the respective social network’s plugin provider. So, for example, when you click on the Facebook’s “Like” button on the Website, Facebook will receive your IP address, the browser version and screen resolution, and the operating system of the device you have used to access the Website. Settings regarding privacy protection can be found on the websites or applications of these social networks and are not within our control.
COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION
As defined above, Personally-Identifying Information is information that can be directly associated with a specific person. Dr. Mortgage may collect a range of Personally-Identifying Information from and about Users. Much of the Personally-Identifying Information collected by Dr. Mortgage about Users is information provided by Users themselves when (1) creating a User Account or requesting other services or goods through the Website, (2) when speaking with a Dr. Mortgage representative regarding any requested goods or services, (3) signing up to receive our email newsletter, and/or (4) otherwise communicating with us. Such information may include each User’s name, address, email address, telephone number, social security number, and other financial information. We also may request information about your financial interests and activities, your gender, age, date of birth, location, hometown and other demographic or relevant information as determined by Dr. Mortgage from time to time. Users are under no obligation to provide Dr. Mortgage with Personally-Identifying Information of any kind, with the caveat that such refusal to do so may prevent access to the Website. BY SUBMITTING ANY INFORMATION OR OTHER MATERIALS THROUGH THE WEBSITE, YOU CONSENT TO THE USE AND DISCLOSURE OF YOUR PERSONALLY-IDENTIFYING INFORMATION AS DESCRIBED IN THIS “COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION” SECTION.
We may occasionally use your name and email address to send you notifications regarding new services that we think you may find valuable. We may also send you service-related announcements from time to time through the general operation of the Website. Generally, you may opt out of such emails by clicking an unsubscribe link at the bottom of our emails, if available, though we reserve the right to send you certain notices, such as service announcements and administrative messages, even if you opt out of all voluntary email notifications.
We will disclose Personally-Identifying Information under the following circumstances:
Third-Party Service Providers.
We may share your Personally-Identifying Information, which may include your name, contact information, social security, and other sensitive financial information with our authorized third-party service providers that perform certain services on our behalf, such as Mortgage Partners. These services may include offering a home loan and refinancing, performing business and sales analysis, supporting the Website’s functionality and supporting any contests, sweepstakes, surveys and other features that may be offered through the Website from time to time. Such third-party service providers referenced herein may have access to Personally-Identifying Information needed to perform their agreed-upon services. You acknowledge and agree that each third-party service provider to whom Personally-Identifying Information is shared may have their own privacy practices, to which you hereby agree and consent to, and we disclaim any liability for the re-use or dissemination of any Personally-Identifying Information by any third-party with whom your Personally-Identifying Information is shared.
By Law or to Protect Rights.
When we believe disclosure is appropriate, we may disclose Personally-Identifying Information in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our, our Users, our employees or others; to comply with applicable law or cooperate with law enforcement; to enforce our agreements or policies, in response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
Business Transfers; Bankruptcy.
Changing Personally-Identifying Information.
You may at any time review or change your Personally-Identifying Information by contacting us using the contact information below. Upon your request, we will deactivate or delete your contact information from our active databases. Such information will be deactivated or deleted as soon as practicable based on your account activity and in accordance with our deactivation policy and applicable law. We may retain in our files some Personally-Identifying Information to prevent fraud, to troubleshoot problems, to assist with any investigations, to enforce our to comply with legal requirements as is permitted by law. Therefore, you should not expect that all your Personally-Identifying Information will be completely removed from our databases in response to your requests. Additionally, we keep a history of changed information to investigate suspected fraud by any of our Users.
Dr. Mortgage uses the Personally-Identifying Information in the file we maintain about you, and other information we obtain from your current and past activities on the Website (1) to deliver the services and/or goods that you have requested through the Website; (2) to manage an internal account we may maintain for you and to provide you with customer support; (3) to communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, our affiliate companies or other third parties; (4) to develop and display Content and advertising tailored to your interests on the Website and other sites; (5) to resolve disputes and troubleshoot problems; (6) to measure consumer interest in our Website; (7) to inform you of updates; (8) to customize your experience; (9) to detect and protect us against error, fraud and other criminal activity; (10) to enforce our Terms & Conditions; and (11) to do as otherwise described to you at the time of collection. At times, we may look across multiple Users to identify problems. In particular, we may examine your Personally-Identifying Information to identify Users using multiple IDs or aliases. We may compare and review your Personally-Identifying Information for accuracy and to detect errors and omissions. We may use financial information or payment method to process payment for any purchases made on the Website to protect against or identify possible fraudulent transactions and otherwise as needed to manage our business.
We take the security of your Personally-Identifying Information seriously and use reasonable electronic, personnel and physical measures to protect it from loss, theft, alteration or misuse. However, please be advised that even the best security measures cannot fully eliminate all risks. We cannot guarantee that only authorized persons will view your information. We are not responsible for third-party circumvention of any privacy settings or security measures. Any information you submit through the Website is done at your own risk.
The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under thirteen (13) years of age. We do not knowingly collect or maintain Personally-Identifying Information from anyone under the age of thirteen (13), unless or except as permitted by law. Any person who provides Personally-Identifying Information through the Website represents to us that he or she is at least thirteen (13) years of age or older. If we learn that Personally-Identifying Information has been collected from a User under thirteen (13) years of age on or through the Website, then we will take the appropriate steps to cause this information to be deleted. If you are the parent or legal guardian of a child under thirteen (13) who has become a User or has otherwise transferred Personally-Identifying Information to us, please contact Dr. Mortgage using our contact information below to have that child’s information deleted.
NOTICE TO NEVADA RESIDENTS.
Nevada law allows consumers to direct certain businesses not to sell their personally identifiable information collected on a business’s platform or other online service to third parties to license or sell that information to additional third parties. If you are a Nevada resident, you may submit such opt-out requests by email at the address provided below. To be effective, your request must include your full name, address, phone number, and email address to verify the authenticity of your request.
ADDITIONAL RIGHTS AND CHOICES FOR CALIFORNIA RESIDENTS.
If you are a California resident, the following additional rights may be available to you.
Shine the Light
Users who are California residents may request (i) a list of categories of personal information disclosed to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclosed such information. To exercise a request, please send us an email or a letter to the addresses in the section entitled “Contact Us” below and specify you are making a “California Shine the Light” request. We may require additional information from you to allow us to verify your identity and are only required to respond to requests once during any calendar year.
California Consumer Privacy Act of 2018 (CCPA)
Beginning January 1, 2020, the CCPA provides California residents with additional rights as described below. Please note your right to know and right to delete are subject to certain exceptions under the CCPA.
Notice of Collection
During the past twelve (12) months, we may have collected the following categories of personal information that the CCPA covers:
Identifiers, including name, email address, date of birth, phone number, account name, IP address, and an ID or number assigned to your account.
Consumer records, billing and delivery address, and credit or debit card information.
Commercial information, including purchases and engagement with our platforms and mobile applications.
Internet activity, including your interactions with our platforms and mobile applications.
Audio data, including information collected for customer care quality assurance.
Geolocation data, including location enabled services such as GPS. Inferences, including information about your interests, preferences and favorites.
We collect and use these categories of personal information for the business purposes described herein, including to provide and manage our platform.
Right to Know
You have the right to know certain information about our data practices in the preceding twelve (12) months. You have the right to request the following information from us:
The categories of personal information we have collected about you;
The categories of sources from which the personal information was collected;
The categories of personal information about you we disclosed for a business purpose or sold;
The categories of third parties to whom the personal information was disclosed for a business purpose or sold;
The business or commercial purpose for collecting or “selling” the personal information; and The specific pieces of personal information we have collected about you.
Right to Delete
You have the right to request the deletion of personal information that we collect or maintain about you.
Right to Opt-Out of “Sale”
Dr. Mortgage does not sell information as the term “sell” is traditionally understood. However, Dr. Mortgage may disclose certain information about you when you use our Website for purposes that may be considered a “sale” under the CCPA. For example, we may disclose information to advertising partners, advertising technology companies, and companies that perform advertising-related services in order to provide you with more relevant advertising tailored to your interests. This information may include identifiers such as your IP address, advertising identifiers, commercial information, your internet or other electronic network information such as your interaction with an ad, geolocation data and inferences. To the extent Dr. Mortgage sells your personal information as the term “sell” is defined under the CCPA, you have the right to opt-out of the sale of your personal information by us to third parties at any time. You may submit a request to opt-out by clicking Do Not Sell My Personal Information, where applicable, and following the instructions, or by contacting us as set forth below.
How to Exercise Your CCPA Rights
To exercise any of these rights, please email us the address listed below. In the request, please specify which right you are seeking to exercise and the scope of the request. We will confirm receipt of your request within ten (10) days. We may require specific information from you to help us verify your identity and process your request. This is a security measure to help ensure that your personal information is not disclosed to someone that does not have the right to receive it. If we are unable to verify your identity, we may deny your requests to know or delete.
If you choose to exercise any of these rights, you will not receive different prices or quality of services unless permitted by applicable law, including if those difference are reasonable related to your information.
Please note that if you opt out of receiving marketing communications from us, we may still send communications to you about your transactions, any accounts you have with us, and any contests, competitions, prize draws or sweepstakes you have entered. Opting out of one form of communication does not mean you’ve opted out of other forms as well. For example, if you opt out of receiving marketing emails, you may still receive marketing text messages if you’ve opted in to receiving them.
FOR EEA USERS.
Individuals located in the European Economic Area (EEA) have certain rights in respect to their personal information, including the right to access, correct, or delete Personally-Identifying Information we process through your use of the Website. If you’re a User based in the EEA, you can:
Request a Personally-Identifying Information report by submitting a request at the email address provided below. This report will include the Personally-Identifying Information we have about you, provided to you in a structured, commonly used, and portable format. Please note that Dr. Mortgage may request additional information from you to verify your identity before we disclose any information.
Have your Personally-Identifying Information corrected or deleted. Some Personally-Identifying Information can be updated by you by emailing us at the address listed below.
Object to us processing your Personally-Identifying Information. You can ask us to stop using your Personally-Identifying Information, including when we use your Personally-Identifying Information to send you marketing emails. We only send marketing communications to Users located in the EEA with your prior consent, and you may withdraw your consent at any time. Please note you will continue to receive transactional messages related to our Website, even if you unsubscribe from marketing emails.
Complain to a regulator. If you are based in the EEA and believe that we have not complied with data protection laws, you have a right to lodge a complaint with your local supervisory authority.
Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. Because there is not yet a common understanding of how to interpret the DNT signal, the Website currently does not respond to DNT browser signals or mechanisms.
Dr. Mortgage, LLC
1700 E. Las Olas Blvd., Suite 200
Fort Lauderdale, FL 33301
Last Updated: December 9, 2021