Privacy

Network Mortgage will not use or share your information with anyone except as described in this Privacy Policy.

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Company Privacy Policy

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, whether in writing, in person, by telephone, electronically, or by other means.
• Information about your transactions with us, our affiliates, or others. This information may include your account balances, payment history, or account usage.
• Information we receive from a consumer reporting agency, including your credit-worthiness and account information.

We DO NOT disclose any nonpublic personal information about you to anyone, except as permitted by law under the following circumstances:

• To regulatory authorities and law enforcement officials.
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
• To our service providers to help us process your loan application or transaction. Our service providers include lenders, investors, appraisers, title and escrow companies, etc.

We protect your confidentiality:

We take our responsibility to protect the privacy and confidentiality of client information very seriously. We restrict access to your personal nonpublic information to those individuals within our company who need to know that information to provide services to you associated with your loan transaction. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We DO NOT provide any information about you to other companies for marketing purposes and our company does NOT maintain joint marketing agreements with non-affiliated third parties.

We MAY contact you by mail, electronically, or by phone, after your transaction with us:

• To provide you with opportunities we feel would benefit your financial situation, for example a refinance of your current loan.
• To determine your level of satisfaction with the service we provided you.
• To keep you apprised of mortgage/real estate news with our Company’s newsletter.

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Online Privacy Policy

This Privacy Policy describes how Wilson Investments, Inc, doing business as Network Mortgage (the “Site,” “we,” “us,” or “our”) collects, uses, and discloses your personal information when you visit, use our services, make a purchase from networkmortgageonline.com, or otherwise communicate with us online (collectively, the “Services”).

For purposes of this Privacy Policy, “you” and “your” means you as the user of the Services, whether you are a customer, website visitor, or another individual whose information we have collected pursuant to this Privacy Policy.

Please read this Privacy Policy carefully. By using and accessing any of the Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

Changes to this privacy policy

We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy to the Site, revise the “Last updated” date (shown below) and take any other steps required by applicable law.

Last updated: August 21, 2024 at 2:50:32 PM PDT

How we collect and use your personal information

To provide the Services, we may collect personal information about you from a variety of sources, as set out below. The information that we collect and use varies depending on how you interact with us.

In addition to the specific uses set out below, we may use information we collect about you to communicate with you, provide the Services, comply with any applicable legal obligations, enforce any applicable terms of service, and to protect or defend the Services, our rights, and the rights of our users or others.

What personal information we collect

The types of personal information we obtain about you depends on how you interact with our Site and use our Services. When we use the term “personal information,” we are referring to information that identifies, relates to, describes, or can be associated with you. The following sections describe the categories and specific types of personal information we collect.

01. Information we collect directly from you

Information that you directly submit to us through our Services may include:

• Basic contact form details including your name, address, phone number, and email.
• Order information including your name, billing address, shipping address, payment confirmation, email address, phone number.
• Account information including your username, password, and security questions or hints.
• Shopping information including the items you view, put in your cart, or add to your wishlist.
• Customer support information including the information you choose to include in communications with us, for example, when sending a message through the Services.

Some features of the Services may require you to directly provide us with certain information about yourself. You may elect not to provide this information, but doing so may prevent you from using or accessing these features.

02. Information we collect through cookies

We may automatically collect certain information about your interaction with the Services (“Usage Data”). To do this, we may use cookies, pixels, and similar technologies (“Cookies”).

Usage Data may include information about how you access and use our Site and your account, including device information, browser information, information about your network connection, your IP address, and other information regarding your interaction with the Services.

03. Information we obtain from third parties

Finally, we may obtain information about you from third parties, including from vendors and service providers who may collect information on our behalf, such as:

• Companies who support our Site and Services.
• Our payment processors, who collect payment information (e.g., bank account, credit or debit card information, billing address) to process your payment in order to fulfill your orders and provide you with products or services you have requested, in order to perform our contract with you.
• When you visit our Site, open or click on emails we send you, or interact with our Services or advertisements, we, or third parties we work with, may automatically collect certain information using online tracking technologies.

Any information we obtain from third parties will be treated in accordance with this Privacy Policy. We are not responsible or liable for the accuracy of the information provided to us by third parties and are not responsible for any third party’s policies or practices.

How we use your personal information

01. Providing products and services

We may use your personal information to provide you with the Services in order to perform our contract with you, including:

• To process your payments and fulfill your orders.
• To send notifications to you related to your account, purchases, returns, exchanges or other transactions.
• To create, maintain and otherwise manage your account.
• To arrange for shipping, facilitate any returns and exchanges and to enable you to post reviews.

02. Marketing and advertising

We may use your personal information for marketing and promotional purposes, such as:

• To send marketing, advertising, and promotional communications by email.
• To send text messages or postal mail.
• To show you advertisements for products or services. This may include using your personal information to better tailor the Services and advertising on our Site and other websites.

03. Security and fraud prevention

We may use your personal information to detect, investigate, or take action regarding possible fraudulent, illegal, or malicious activity.

If you choose to use the Services and register an account, you are responsible for keeping your account credentials safe. We highly recommend that you do not share your username, password, or other access details with anyone else. If you believe your account has been compromised, please contact us immediately.

04. Communicating with you

We use your personal information to provide you with customer support and improve our Services. This is in our legitimate interests in order to be responsive to you, to provide effective services to you, and to maintain our business relationship with you.

Cookies

Like many websites, we may use Cookies on our Site. We use Cookies to power and improve our Site and our Services (including to remember your actions and preferences), to run analytics software, and better understand user interaction with the Services (in our legitimate interests to administer, improve, and optimize the Services).

We may also permit third parties and service providers to use Cookies on our Site to better tailor the services, products and advertising on our Site and other websites. Most browsers automatically accept Cookies by default, but you can choose to set your browser to remove or reject Cookies through your browser controls.

Please keep in mind that removing or blocking Cookies can negatively impact your user experience and may cause some of the Services, including certain features and general functionality, to work incorrectly or no longer be available. Additionally, blocking Cookies may not completely prevent how we share information with third parties such as our advertising partners.

How we disclose personal information

In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:

• With vendors or other third parties who perform services on our behalf (e.g., IT management, payment processing, data analytics, customer support, cloud storage, fulfillment, and shipping).
• With business and marketing partners, to provide services and advertise to you. Our business and marketing partners will use your information in accordance with their own privacy notices.
• When you direct, request us or otherwise consent to our disclosure of certain information to third parties, such as to ship you products or through your use of social media widgets or login integrations, with your consent.
• With our affiliates or otherwise within our corporate group, in our legitimate interests to run a successful business.
• In connection with a business transaction such as a merger or bankruptcy.
• To comply with any applicable legal obligations (including to respond to subpoenas, search warrants and similar requests).
• To enforce any applicable terms of service, and to protect or defend the Services, our rights, and the rights of our users or others.

We may have, in the past 12 months disclosed the following categories of personal information and sensitive personal information about users for the purposes set out above in “How we collect and use your personal information” and “How we disclose personal information”:

01. Category

• Identifiers such as basic contact details and certain order and account information.
• Commercial information such as order information, shopping information and customer support information.
• Internet or other similar network activity, such as Usage Data.

02. Categories of recipients

• Vendors and third parties who perform services on our behalf (such as Internet service providers, payment processors, fulfillment partners, customer support partners, and data analytics providers)
• Business and marketing partners
• Affiliates

User generated content

The Services may enable you to post product reviews and other user-generated content (UGC). If you choose to submit user-generated content to any public area of the Services, this content will be public and accessible by anyone.

We do not control who will have access to the information that you choose to make available to others, and cannot ensure that parties who have access to such information will respect your privacy or keep it secure.

We are not responsible for the privacy or security of any information that you make publicly available, or for the accuracy, use or misuse of any information that you disclose or receive from third parties.

Third party websites and links

Our Site may provide links to websites or other online platforms operated by third parties. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions.

We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites.

Information you provide on public or semi-public venues, including information you share on third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party platforms without limitation as to its use by us or by a third party.

Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on the Services.

Do Not Track

Do Not Track (DNT) is a browser setting that allows users to signal to websites and online services that they do not wish to be tracked across different websites and online services. In many browsers you can enable or disable Do Not Track by visiting the Preferences or Settings page.

While the DNT feature allows users to express their tracking preferences, compliance with DNT signals is not mandatory for websites under current U.S. law, including CalOPPA. Consequently, adoption of the technology has been minimal.

Children’s data

The Services are not intended to be used by anyone under the age of 18 and we do not knowingly collect any personal information about children. If you are the parent or guardian of a child who has provided us with their personal information, you may contact us to request that it be deleted.

As of the “Last updated” date of this Privacy Policy, we do not have actual knowledge that we “share” or “sell” (as those terms are defined in applicable law) personal information of individuals under 18 years of age.

Security of your information

Please be aware that no security measures are perfect or impenetrable, and we cannot guarantee “perfect security.” In addition, any information you send to us may not be secure while in transit. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.

Retention of your information

How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide the Services, comply with legal obligations, resolve disputes, or enforce other applicable contracts and policies.

Your rights and choices

Depending on where you live, you may have some or all of the rights listed below in relation to your personal information. However, these rights are not absolute, may apply only in certain circumstances and, in certain cases, we may decline your request as permitted by law.

01. Right to access/know

You may have a right to request access to personal information that we hold about you, including details relating to the ways in which we use and share your information.

02. Right to delete

You may have a right to request that we delete personal information we maintain about you.

03. Right to correct

You may have a right to request that we correct inaccurate personal information we maintain about you.

04. Right of portability

You may have a right to receive a copy of the personal information we hold about you and to request that we transfer it to a third party, in certain circumstances and with certain exceptions.

Exercising your rights

You may exercise any of these rights where indicated on our Site or by contacting us using the contact details provided below.

We will not discriminate against you for exercising any of these rights. We may need to collect information from you to verify your identity, such as your email address or account information, before providing a substantive response to the request.

In accordance with applicable laws, you may designate an authorized agent to make requests on your behalf to exercise your rights. Before accepting such a request from an agent, we will require that the agent provide proof you have authorized them to act on your behalf, and we may need you to verify your identity directly with us. We will respond to your request in a timely manner as required under applicable law.

Complaints

If you have complaints about how we process your personal information, please contact us. If you are not satisfied with our response to your complaint, depending on where you live you may have the right to appeal our decision by lodging your complaint with your local data protection authority.

International users

Please note that we may transfer, store and process your personal information outside the country you live in, including the United States. Your personal information is also processed by staff and third party service providers and partners in these countries.

If we transfer your personal information out of Europe, we will rely on recognized transfer mechanisms like the European Commission’s Standard Contractual Clauses, or any equivalent contracts issued by the relevant competent authority of the UK, as relevant, unless the data transfer is to a country that has been determined to provide an adequate level of protection.

Contact

Should you have any questions about our Privacy Policy or if you would like to exercise any of the rights available to you, please contact us.