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REX Home Loans Privacy Policy

Rex Home Loans, Inc. (“Rex Home Loans”, “we”, “our” and/or “us”) values the privacy of individuals who use our website and related services (collectively, our “Services”). This privacy policy (the “Privacy Policy”) explains how we collect, use, and share information from or about users of the Services (“Users”) or their devices. By using or accessing our Services, you agree to the collection, use, disclosure, and procedures this Privacy Policy describes.

Information We Collect

We collect a variety of information from and about you and your devices from various sources, as described below. If you do not provide your information when requested, you may not be able to use our Services if that information is necessary to provide the Services or if we are legally required to collect it.

INFORMATION YOU PROVIDE TO US

Registration and Profile Information. If you sign up for an account or register on our Services, we may ask you to create a username, password, and answer a security question. We also may ask you for your name, email address, phone number, and any other information we collect. Communications. If you contact us directly, we may receive additional information about you. For example, when you contact us for support, we may receive your name, email address, phone number, the contents of a message or attachments that you may send to us, and other information you choose to provide. When we send you emails, we may track whether you open them to learn how to deliver a better customer experience and improve our Services. If you communicate with us by telephone, we may monitor or record the call for quality and training purposes, to maintain the integrity of your account, and to improve the customer experience. Pre-Approval for a Home Purchase Mortgage. If you submit information for pre-approval for a home purchase mortgage, then we will collect certain information from you, such as your name, current home address, home address that you are taking a mortgage out on, email address, phone number, date of birth, social security number, marital status, number of dependents and their ages, homeowner or renter status, language preference, race, ethnicity, sex, citizenship status, military service information, employment information, salary information, checking account information, estimated income, assets, and liabilities information, and any other information we request from you. Loan applications. If you apply for a mortgage loan, then we will collect certain information from you, such as your name, social security number, marital status, number of dependents, the amount and source of your down payment, employment and income information, asset and liability information, current deposit accounts, current and past consumer credit accounts, credit scores, your mortgage and/or rental history, and any other information we request from you. As required by law, we ask for borrower demographic information to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. If you choose to provide such information, we will receive your demographic information, including your ethnicity, sex, and race in order to monitor compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

INFORMATION WE COLLECT WHEN YOU USE OUR WEBSITE

Device Information. We receive information about the device and software you use to access our Services, including internet protocol (“IP”) address, web browser type, operating system version, and mobile advertising identifiers.

Usage Information. To help us understand how you use our Services and to help us improve them, when you use our Services, we automatically receive information about your interactions with our Services, like the pages or other content you view, pages you request, the websites you visited before using our Services, and the dates, times and duration of your visits.

Location Information. When you use our Services, we infer the general physical location of your device and the geographic regions our Users come from. For example, your IP address may indicate your general geographic region.

Information from Cookies and Similar Technologies. We and third-party partners collect information using cookies, pixel tags, or similar technologies. Our third-party partners, such as analytics and advertising partners, may use these technologies to collect information about your online activities over time and across different services. Cookies are small text files containing a string of alphanumeric characters. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Services.

Please review your web browser’s “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete or choose not to accept cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.

INFORMATION WE RECEIVE FROM THIRD PARTIES

Other Users. If you are a co-borrower or dependent of one of our Users who has applied for a loan through our Services, we may receive information about you through the loan application process.

Consumer Reporting Agencies. To provide loans, we receive information about you from consumer reporting agencies to assess your creditworthiness and to prevent fraud and identity theft. The reports we receive from consumer reporting agencies may include information about your open and closed credit accounts, monthly balances and payments, credit inquiries, late payments, collection actions, bankruptcy judgments, credit score, and transaction history.

Government Entities. We receive information about you from government entities, such as federal, state, or local tax or governmental authorities.

Other Third Parties. We may receive additional information about you from third parties such as data or marketing partners and combine it with other information we have about you.

How We Use the Information We Collect

We use the information we collect:

  • To process your loan application and conduct interim servicing on your account or loan;
  • To provide quotes for insurance and other services that you request;
  • To provide, maintain, improve, and enhance our Services, such as speeding up our website and recognizing when you return to our Services;
  • To communicate with you, provide you with updates and other information relating to our Services, provide information that you request, respond to comments and questions, and otherwise provide customer support;
  • For marketing purposes, such as developing and providing promotional and advertising materials that may be useful, relevant, valuable or otherwise of interest to you;
  • To send you text messages;
  • To facilitate transactions, payments, billing, and collection;
  • To de-identify and aggregate information collected through the Services and use it for any lawful purpose;
  • To find and prevent fraud, and respond to trust and safety issues that may arise, including protecting the rights, property, or safety of Rex Home Loans, our Users, or others;
  • For compliance purposes, including enforcing our legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency, including to respond to any government or regulatory request; and
  • For other purposes for which we provide specific notice at the time the information is collected.

How We Share the Information We Collect

We may share or otherwise disclose information we collect from or about you as described below or otherwise disclosed to you at the time of collection.

Affiliates. We may share certain information we receive about you with our REX-affiliated companies to provide related offers, products, and services that may be of interest to you as permitted under applicable law or otherwise disclosed to you at the time we collect this information.

Vendors and Service Providers. We may share any information we receive with vendors and service providers retained in connection with the provision of our Services.

Other Lending Entities and Third Parties Needed to Complete Your Transaction. We may share certain information we receive about you in connection with your loan application with credit reporting agencies, underwriters, mortgage companies and lenders, insurance agents, homeowners associations, attorneys, bookkeepers and accountants, notaries, real estate agents and brokers, contractors, structural pest control operators, financial institutions, and other similar entities as necessary to process your application, originate and service your loan, or render services to you or the real property or business that is the subject of your transaction.

Government Entities and Financial Institutions. We may share certain information we receive about you in connection with loans that we issue with federal and state government entities or financial institutions which may purchase, insure, or service the loan after funding.

Marketing. We do not rent, sell, or share information about you with nonaffiliated companies for their direct marketing purposes, unless we have your permission. We may share certain information about you with third parties who market products or services on our behalf, on behalf of REX-affiliated companies, or to other financial institutions to whom we or our affiliated companies have joint marketing agreements.

Analytics Partners. We use analytics services such as Google Analytics to collect and process certain analytics data. These services may also collect information about your use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners, and opt-out of them by downloading the Google Analytics opt-out browser add-on, available at tools.google.com/dlpage/gaoptout.

As Required by Law and Similar Disclosures. We may access, preserve, and disclose information about you if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety.

Merger, Sale, or Other Asset Transfers. We may disclose and transfer information about you to service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell, liquidate, or transfer all or a portion of our business or assets.

Consent. We may also disclose information from or about you or your devices with your permission.

Your Choices

Marketing Communications. You can unsubscribe from our promotional emails via the link provided in the emails. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.

Do Not Track. There is no accepted standard on how to respond to Do Not Track signals, and we do not respond to such signals.

If you choose not to provide us with information we collect, some features of our Services may not work as intended.

Third Parties

Our Services may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the privacy practices of these third parties. Please be aware that this Privacy Policy does not apply to your activities on these third-party services or any information you disclose to these third parties. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use information from or about you, you should contact them directly. We encourage you to read their privacy policies before providing any information to them.

Security

We make reasonable efforts to protect information from or about you by using technical and organizational safeguards designed to improve the security of the information we maintain. However, as our Services are hosted electronically, we can make no guarantees as to the security or privacy of your information.

Children's Privacy

We do not knowingly collect, maintain, or use personal information from children under 13 years of age, and no part of our Services are directed to children. If you learn that a child has provided us with personal information in violation of this Privacy Policy, please alert us at info@rexhomeloans.com.

International Visitors

Our Services is hosted in the United States and intended for visitors located within the United States. If you choose to use our Services from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring information from or about you or your devices outside of those regions to the United States for storage and processing. Also, we may transfer your data from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Services. By providing any information, including information from or about you or your devices, on or to the Services, you consent to such transfer, storage, and processing.

Update Information

You can update your account and profile information by logging into your account.

Changes to this Privacy Policy

This Privacy Policy may be revised from time to time. We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective as of the last updated date below. If we materially change the ways in which we use or share information from or about you or your devices previously collected from you through the Services, we will make reasonable efforts to notify you of the changes by sending a notice to the primary email address provided to us and/or by placing a notice on our Services.

Contact Information

If you have any questions, comments, or concerns about our processing activities, please email us at info@rexhomeloans.com, call us at (833) 745-5626, or write to us at REX Home Loans, 236 S Washington St., Suite 202, Naperville, IL 60540.

Last Updated: February 5, 2020