PRIVACY POLICY
Effective Date: January 1, 2024
ZYNG Mortgage respects the privacy of your information. This ZYNG Mortgage Privacy Policy describes how ZYNG Mortgage
processes information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our “Services”).In some circumstances, we may provide you with additional supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you. If you are a California resident, please refer to the
California Privacy Policy.By using any of our Services, you acknowledge and agree to, the privacy practices described in our Privacy Policy. You also acknowledge that you have read this policy and other policies described.
INFORMATION WE COLLECT
Information You Provide
We collect information you provide to us. For example, we collect information from you when you create an account, fill out a form or otherwise submit content through our Services, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide it, and could include, but is not limited to:
Name
Email address
Postal address
Phone number
Social security number
Location and approximate value of your property
Vehicle information, such as make, model, VIN and vehicle features
Age
Demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements
Related loan products or services you have used in the past
Financial information, such as income, assets and net worth
Home ownership status and employment status
Insurance information
Other profile data, including your interests and preferences
Any other information you choose to provide
Information We Automatically Collect
We automatically collect certain information about your interactions with us or our Services, including:
Transactional Information: When you make a purchase or complete a transaction, we collect information about the transaction, such as product or service details, financial details and the date and location of the transaction.
Device and Usage Information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
Your Content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
Location Information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services.
Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.
Web beacons(also known as “pixel tags” or “clearGIFs“) are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.
For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality. For more information about these tracking technologies and how to disable them, see the Advertising and Analytics
section below.
Information We Collect From Other Sources
We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your
Zyng Mortgage
account with third-party services through service providers.The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.
Information We Derive
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
Intellectual Property Rights
The following marks appearing on this website, including, but not limited to:
ZYNG Mortgage; and the respective logos, emblems, slogans and designs are trademarks and/or service marks of ZYNG Mortgage.All other marks used on this website are the property of their respective owners. Website Content: You acknowledge and agree that:
all content, pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Website Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and all rights associated with the website Content are owned by ZYNG Mortgage, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Website Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any page, or alter the appearance of any Website Content.
You may not use Website Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Website Content, domain names, Email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
- in or as any meta-tag or hidden text;
- in or as part of any contextual marketing directory, index, or triggering term;
- as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
- as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other website.
Submissions: You acknowledge and agree that all submissions to ZYNG Mortgage containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge ZYNG Mortgage’s unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.
Testimonials: You acknowledge and agree that all testimonials submitted to ZYNG Mortgage will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to ZYNG Mortgage the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that ZYNG Mortgage may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.
Linking
We also use the information we collect to:
Fulfill or deliver the services you requested
Provide, maintain, improve and develop new products, services and features, including debugging and repairing errors in our Services
Personalize your experience with us
Send you technical notices, security alerts, support messages and other transactional or relationship messages, including responding to your inquiries and comments
Communicate with you about products, services, and events offered by ZYNG Mortgage and others and provide news and information that we think will interest you. See the Your Choices section below for information about how to opt out of these communications at any time
Monitor and analyze trends, usage, and activities in connection with our products and services
Personalize the advertisements you see on third-party platforms and websites. For more information, see the Advertising and Analytics section below
Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards
Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity, and help protect the rights and property of ZYNG Mortgage and others
Comply with our legal and financial obligations
Create de-identified, anonymized or aggregated information
Fulfill any other purpose at your direction
Carry out any other purpose described to you at the time the information was collected
HOW WE SHARE YOUR INFORMATION
We share personal information in the following circumstances or as otherwise described in this policy.
Sharing With Third Parties
ZYNG Mortgage shares your information with non-affiliated third parties in the following circumstances:
We share personal information with vendors, service providers and consultants that access personal information to perform services for us, such as companies that assist us with web hosting, shipping and delivery, payment processing, fraud prevention, customer service, data analytics, property title and appraisal services, technical support marketing and advertising. Many of these third parties have their own Privacy Policies – some of which have been provided here for your convenience.
If you submit a product review or post content in another public area of our Services, we share this information publicly on our Services.
If you choose to use integrations we offer on our Services, such as sharing your location through our Google Maps integration, we may share certain information with the integration partners.
We may disclose personal information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.
We may share personal information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it’s necessary to protect the rights, property and safety of ZYNG Mortgage, our users, the public, or others.
We share personal information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
We may share personal information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.
We share personal information with your consent or at your direction, including but not limited to through third-party integrations you choose to enable.
We also share aggregated or de-identified information that cannot reasonably be used to identify you.
ADVERTISING AND ANALYTICS
Web and Mobile Apps
We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.
This information may be used by ZYNG Mortgage and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.
Third Parties
We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Meta or Google). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.
CHILDREN’S PRIVACY
ZYNG Mortgage products and services are not intended for children. We do not direct our Products or Services to children under 18, or knowingly attempt to solicit or receive information from children.
CALIFORNIA SHINE THE LIGHT
California Civil Code § 1798.83 permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you’re a California resident and would like to make such a request, please submit your request by:
Emailing us at [email protected]
Calling us at 888-888-4834
Writing to us at:
ZYNG Mortgage
Attn: Legal Team
215 Maple St
Auburn, CA 95603
PROCESSING OF INFORMATION IN THE UNITED STATES AND OTHER COUNTRIES
ZYNG Mortgage is headquartered in the United States, and offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.
YOUR CHOICES
Account Information
You may update and correct certain account information, or delete your account, by logging into your account or calling us at
888-888-4834. Please note that we may retain certain information as required by law or for our legitimate business purposes.
Location Information
When you first launch any of our mobile apps that collect precise location information, you’ll be asked to consent to the app’s collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. You may also stop our collection of this location information by following the standard uninstall process to remove our mobile apps from your device.
Do Not Track Signals
You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, our websites do not respond to these signals. ZYNG Mortgage may track your activity on these websites and use that information as provided in this policy.
CHANGES TO THIS POLICY
We may change this ZYNG Mortgage Privacy Policy from time to time. If we make changes, we’ll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.
CONTACT INFORMATION
If you have questions regarding this ZYNG Mortgage Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at 888-888-4834.
CALIFORNIA PRIVACY POLICY
The California Consumer Privacy Act or “CCPA” (Cal. Civ. Code § 1798.100 et seq.) affords consumers residing in California certain rights with respect to their personal information. If you are a California resident, this California Privacy Policy applies to you.
Collection And Use Of Personal Information
In the preceding 12 months, we have collected the following categories of personal information:
| Category | Examples |
| Identifiers | Name, alias, postal address, online identifier (including IP address), email address, Social Security number, driver’s license number, or other similar identifiers. |
| Personal Information Categories Listed In The California Customer Records Statute (Cal. Civ. Code § 1798.80(e)) | Employer name, employment history, bank account number, credit card number, debit card number, and other financial information (including credit report, salary, and net worth). |
| Protected Classification Characteristics Under California Or Federal Law | Age, gender, military status and marital status. |
| Commercial Information | Records of property, products or services purchased. |
| Internet Or Other Similar Network Activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| Geolocation Data | Physical location or movements. |
| Sensory Data | Audio (such as call recordings) or the contents of videos you choose to upload. |
| Professional Or Employment-Related Information | Current employer or employment status. |
| Inferences Drawn From Other Personal Information | Preferences, characteristics and approximate location. |
For details about the precise data points we collect and the categories of sources of such collection, please see the Information We Collect section. We collect personal information for the business and commercial purposes described in the How We Use Your Information section.
Disclosure Of Personal Information
In the preceding 12 months, we’ve disclosed the following categories of personal information for business or commercial purposes to the following categories of recipients:
| Category | Examples |
|---|---|
| Identifiers | Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
| Categories Of Personal Information Described In Subdivision (e) Of Section 1798.80 | Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
| Protected Classification Characteristics | Service providers, Affiliates, mortgage partners, and partner companies. |
| Commercial Information | Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
| Internet Or Other Similar Network Activity | Advertising networks and service providers (such as internet service providers, data analytics providers, data storage providers, operating systems and platforms). |
| Geolocation Data | Partners and service providers. |
| Sensory Data | Partners. |
| Professional Or Employment-Related Information | Service providers and partners. |
| Inferences Drawn From Other Personal Information | Partners, advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms). |
Sales Of personal Information
California law provides for certain disclosures about personal information we “sell”, which for the purposes of the CCPA, means certain scenarios in which ZYNG Mortgage has shared personal information with third parties or Affiliates, in exchange for valuable consideration.
Under this definition, we “sell” personal information for the following commercial purposes: to enable certain third parties to use your information in accordance with their privacy policies. We “sell” the following categories of personal information to the following categories of third parties:
| Category of Personal Information | Categories of Third Parties |
|---|---|
| Identifiers | Non-affiliated third parties. |
| Categories Of Personal Information Described In Subdivision (e) Of Section 1798.80 | Non-affiliated third parties. |
| Commercial Information | Non-affiliated third parties. |
| Internet Or Other Network Activity | Non-affiliated third parties. |
| Inferences Drawn From Other Personal Information | Non-affiliated third parties. |
Consumer Rights
Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, (2) request deletion of your personal information, (3) opt out of “sales” of your personal information and (4) not be discriminated against for exercising these rights.
You may make these requests by starting a request online, calling 888-888-4834 or mailing us at Zyng Mortgage, 215 Maple St, Auburn, CA 95603. We’ll verify your request by asking you to provide information related to your recent interactions with us.
If we receive your request from an authorized agent, we may ask for evidence that you’ve provided such agent with a power of attorney, or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you’re an authorized agent seeking to make a request, please contact us as set out above.
We may offer you certain financial incentives that may result in different prices, rates, or quality levels (for example, contests and referral programs). Through these offerings, consumers provide us with some personal information (e.g., names, emails, phone numbers) when they opt-in to our programs. There is no obligation to opt-in and consumers may opt-out at any time. The details of each program are contained in the program offering. We offer these programs, among other things, to enhance our relationship with you so you can enjoy more of our products/services at a lower price. We invest heavily in our marketing and brands, in part, so we can provide programs to our customers. Consumer data is valuable to our business only when it is combined with a sufficient number of other consumer data and after it is enhanced by our efforts herein described. The value to our business of any individual consumer’s personal information is dependent on a number of factors, including, for example, whether and to what extent you take advantage of any offerings, whether and to what extent you opt out of any offerings, and whether we are able to enhance the data through our efforts herein described. Our ability to create any value from the programs is heavily based on our ability to leverage said intellectual properties. We do not calculate the value of consumer data in our accounting statements.
