Updated June 23, 2016
RubyOne Mortgage (“Company” or “We”) is committed to protecting your privacy. This Privacy Statement applies to the RubyOne Mortgage web site (the “Site”) and governs data collection and usage. By using the Site, you consent to the data practices described in this statement.
Collection of your Personal Information
We collect personally identifiable information, such as your e-mail address, name, home or work address or telephone number. For example, you might fill out a form request for more information. That information is given with your consent.
We also collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically collected by the Site. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by the Company for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Site.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through the Site such as public comments public, this information may be collected and used by others. Note: the Company does not read any of your private online communications.
We encourage you to review the privacy statements of web sites you choose to link to from the Site so that you can understand how those web sites collect, use and share your information. We are not responsible for the privacy statements or other content on web sites outside of the Site.
Use of your Personal Information
We collect and use your personal information to operate the Site and deliver the services you have requested. The Company also uses your personally identifiable information to inform you of other products or services available from RubyOne Mortgage and its affiliates. We may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
We do not sell, rent or lease its customer lists to third parties. We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, we may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information.
We not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
We keep track of the Site and pages our customers visit within it in order to determine what Company services are the most popular. This data is used to deliver customized content and advertising within the Company to customers whose behavior indicates that they are interested in a particular subject area.
We will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the Site; (b) protect and defend the rights or property of RubyOne Mortgage; and, (c) act under exigent circumstances to protect the personal safety of users of the Site or the public.
The Site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize the Site pages, or register with the Company Site or services, a cookie helps RubyOne Mortgage recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Site, the information you previously provided can be retrieved, so you can easily useSite features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Site, services or other sites you visit.
Security of your Personal Information
We secure your personal information from unauthorized access, use or disclosure. We secure personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure.
Changes to this Statement
We will occasionally update this Privacy Statement to reflect company and customer feedback. We encourage you to periodically review this Statement to be informed of how we are protecting your information.
We welcome your comments regarding this Privacy Statement. If you believe that we have not adhered to this Statement, please contact us at firstname.lastname@example.org. We will use commercially reasonable efforts to promptly determine and remedy the problem.