Effective as of December 2, 2014
Specific information regarding our data practices is detailed below.
A. Information That We Collect: Personal and Non-Personal
We collect two types of information from visitors to the Site: (1) Personal Information; and (2) Non-Personal Information, such as your IP address or cookies.
1. Personal Information
When we use the term “Personal Information” we mean information we may collect that allows others to identify or contact you. For instance, we may collect your e-mail address if you voluntarily sign up to receive newsletters or other information from us. We may also pair that with your address or location and other personal information that you provide to confirm that you are eligible to receive services from us and that the information we provide will likely be relevant to you. We will share this information exclusively with the New York State Office of the Attorney General for law enforcement purposes to target mortgage loan modification scams.
The above provides examples of the Personal Information that may be collected on the Site. While you’re under no obligation to provide the information requested, if you decline to do so, we may be unable to provide you with certain services. If you do not want us to collect your Personal Information, please do not provide it to us.
2. Non-Personal Information
“Non-Personal Information” can be technical information or it can be demographic information, such as your age, gender, zip code or other geolocation data, or interests. Non-Personal Information does NOT identify you personally. Here are some examples of the Non-Personal Information that is collected via the Site and a description of how this information is used:
- Internet Protocol (IP) address – Your IP address is a number that lets computers attached to the Internet know where to send you data – such as the web pages you view. We use this information to deliver our web pages to you upon request, to tailor our Site to the interests of our users and to measure traffic within our Site.
- Cookies – A “cookie” is a small text file that may be used to collect information about your activity on the Site. For example, when someone visits a page within the Site, a cookie is placed on the user’s machine (if the user accepts cookies) or is read if the user has visited the Site previously. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but if you do, you may not be able to take advantage of the personalized features enjoyed by other users of our Site. Some of the cookies that we use may be Flash cookies or Adobe cookies. While they are harmless, they may contain Demographic Information (defined below) and, depending on your browser, these cookies may not normally be deleted when your cookies are deleted. Please check your browser to determine where these types of cookies are stored and how they may be deleted.
- Web Beacons (also known as “clear gifs,” “web bugs” or “pixel tags”) – “Web Beacons” are tiny graphics with a unique identifier, similar in function to cookies, and are used to allow us to count users who have visited certain pages of the Site and to help determine the effectiveness of our programs and services. When used in HTML-formatted e-mail messages, web beacons can tell the sender whether and when an e-mail has been opened. In contrast to cookies, which are stored on a user’s computer hard drive, web beacons are embedded invisibly on web pages.
- Demographic Information – “Demographic Information” may be your gender, age, zip code and interests which may be automatically collected through the Site. We use this information to provide you with personalized services and to analyze trends to ensure the information provided by the Site meets your needs. Please note that we also consider aggregated information, which is not personally identifiable, to be Non-Personal Information.
- Companies’/Individuals’ Names, Addresses, and Contact Information Searched and Corresponding Foreclosure Rescue Company/Individual Information and New York State Office of the Attorney General’s Homeowner Protection Program (HOPP) Partner Information – We will save names, addresses, websites and contact information, including phone numbers, email addresses, typed into our search tools along with their foreclosure rescue company/individual and Homeowner Protection Program (HOPP) Partner or HUD-approved counseling organization information results. We will use this information at the aggregate level to evaluate user interest in particular geographical areas as well as aggregate company and individual results obtained. This information will be used to evaluate the effectiveness of our outreach and website promotion strategies as well as for future research projects.
- Information provided on Search Page — We will save information you enter on our Search page such as your zip code and payment amounts made to a foreclosure rescue company/individual. We will use this information at the aggregate level to evaluate user interest in particular geographical areas as well as aggregate company and individual results obtained. This information will be used to evaluate the effectiveness of our outreach and website promotion strategies as well as our future research projects. We will also share this data with the New York State Office of the Attorney General for law enforcement purposes to target mortgage loan modification scams.
The above list provides examples of the Non-Personal Information that is collected via the Site. We may collect the above Non-Personal Information from all visitors to our Site. If you do not want us to have access to this information, please do not visit our Site.
B. Use of Information Collected Via the Site
1. Personal Information
We use your Personal Information that is collected on the Site primarily for the following purposes:
- To provide the New York State Office of the Attorney General assistance in targeting foreclosure rescue companies/individuals perpetrating mortgage loan modification scams that may have affected you;
- To deliver services to you;
- To provide you with information regarding programs and services in your area;
- To verify your e-mail address;
- To answer your questions or other requests;
- To contact you regarding your use of the Site or our services;
- To otherwise administer the Site or your interaction with our services; and
- For any other purpose disclosed at the time you provide your Personal Information.
2. Non-Personal Information
Non-Personal Information is used as described above and in other ways as permitted by applicable laws, including combining Non-Personal Information with Personal Information.
For example, we may use Non-Personal Information and usage data to (i) create marketing analyses and reports showing how our users, as collective groups, interact with our services, (ii) develop reports that help us and other strategic third parties determine what interests our service users, as a group, or (iii) generally improve our program and service offerings. Such reports will be shared with the Center for New York City Neighborhoods, and third parties helping us to administer this Site and our services. However, such reports will not contain any Personal Information about you. We will also share this data and Non-Personal Information with the New York State Office of the Attorney General to assist its efforts to target mortgage loan modification scams.
C. Sharing and Disclosure of Information
1. Personal Information
Examples of ways in which we may share or disclose your Personal Information includes the following:
(i) To fulfill a service to you. For example, if you request assistance from us, we may share your Personal Information in order to provide the service to you. In addition, if you contact us or sign up to receive our newsletter, we may use your e-mail address to respond to your request.
(ii) To affiliates, strategic partners, agents, or other unaffiliated parties who are offering programs or services that we believe may be of interest to you or who require your Personal Information for research, administrative and/or internal business purposes. These parties may use your Personal Information to contact you with an offer related to a program or service, or they may use such information for their own research, administration or business purposes. If you do not want us to share your Personal Information in this manner, please do not provide us with this information.
(iii) To unaffiliated third-party service providers, agents, independent contractors who help us maintain our Site and provide other administrative services to us (including, but not limited to, processing your requests, providing customer service, maintaining and analyzing data, and sending customer communications on our behalf). We seek to ensure that these unaffiliated third parties will not use the Personal Information for any other purpose than to provide the administrative services for which they are responsible. Because such unaffiliated third-party service providers that help us administer our Site will have access to users’ Personal Information, if you do not wish for our unaffiliated third-party service providers to have access to your information, please do not register or submit any Personal Information to us.
(iv) To comply with the law or in the good faith belief that such action is necessary in order to conform to the requirements of law or comply with legal process served on us, protect and defend our rights or property, the Site or act in urgent circumstances to protect the personal safety of our end users.
(v) To third parties as part of any corporate reorganization process including, but not limited to, mergers, acquisitions, and sales of all or substantially all of our assets.
(vi) To track and analyze non-identifying and aggregate usage and volume statistical information from our visitors and customers and provide such information to third parties.
(vii) To protect against potential fraud, we may verify with third parties the information collected from the Site. In the course of such verification, we may receive Personal Information about you from such services.
2. Non-Personal Information
We use Non-Personal Information collected on the Site in the manner disclosed above, in Section B (2). We may share this Non-Personal Information with third parties helping us administer the Site or our services.
D. Children Under Age 13
The Site does not target children under the age of 13 or knowingly collect Personal Information from such individuals. If we become aware that a child under 13 has provided us with Personal Information, we will take steps to remove such information.
You may opt-out of receiving promotional messages from us or strategic third parties at any time. For e-mails, you can opt-out by going to the link provided at the bottom of any e-mail you receive from us and opting out of receiving information from us. We will process your opt-out request as soon as possible, but please be aware that in some circumstances you may receive a few more messages until your request is processed. That said, please note that unsubscribing from promotional e-mails will not opt you out of transactional e-mails or e-mails that we are required to send.
F. Your Disclosure to Third Parties
If you respond to any interactive advertisement or offer by a third party (whether via an e-mail, message or otherwise), or if you request information about a product, program or service offered by a third party, then your Personal Information will be disclosed to such third party. We cannot control, and make no representations about, the collection or use of your information by such third parties. If you choose to register for or subscribe to any such third party product or service, any further correspondence between you and such third party including, without limitation, any resulting contractual agreements, are solely between you and the advertiser/third party. We will not be responsible for upholding any applicable terms, conditions, representations or warranties made by the advertiser/third party in connection therewith and shall otherwise have no liability associated with your interaction with such third party.
G. How Can You Correct Any Inaccuracies in Your Personal Information?
If you have any concerns regarding the accuracy of information that we may have collected about you and would like access to such information, please contact us at email@example.com.
H. How Is Your Information Protected?
If we learn of a security systems breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing Personal Information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Site. We may post a notice on our Site if a security breach occurs. We may also send an e-mail to you at the e-mail address you have provided to us in these circumstances or letter to the home address provided. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
I. Third Party Web Sites
This statement applies solely to information collected on the Site. The Site may contain links to other web sites. We are not responsible for the privacy practices or the content of these other web sites.
J. How Do We Respond To “Do Not Track” Signals?
Please note that our Site does not support “Do Not Track” browser settings and does not currently participate in any “Do Not Track” frameworks that would allow us to respond to signals or other mechanisms from you regarding the collection of your Personal or Non-Personal Information.
In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign the Personal and Non-Personal Information collected via the Site.