PRIVACY POLICY

HardMoneyWorld.com® values your patronage and protecting your personal information is a priority. HardMoneyWorld.com believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, former customer, job applicant, or employee. We have adopted the following policies and procedures to safeguard the personal information about you in our possession.

Introduction

This policy (“Privacy Policy”) discloses the information HardMoneyWorld.com and its parent, subsidiary, and affiliate companies (defined in the “Who we are” section below) collects and processes, as well as the choices you can make about the way your information is collected and is used. This notice also explains how personally identifiable information that you provide or that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.
Based on the products and services you obtain, or employment with HardMoneyWorld.com you may have sought or obtained, and/or different laws that may apply to you, additional privacy notices may be provided to you. If you are a resident of California, Colorado, Connecticut, Virginia, Utah or another state for which you may have additional privacy rights, information about these rights may be found US States Privacy Notice section below.

Who We Are

For the purposes of this policy, by “HardMoneyWorld.com and its Affiliate companies” or “HardMoneyWorld.com” we mean HardMoneyWorld.com.com, LLC and any of its parents, affiliates, subsidiaries, and joint ventures. This policy does not apply to companies that are not related to HardMoneyWorld.com through common ownership (“non-Affiliates"). Data practices of non-Affiliates are governed by their own privacy policies. 
Information We Collect About You

Information You Provide Us

We collect information that you provide us and through your use of our site. Information collection occurs when you provide us your information to apply for a mortgage, financial product, or other product or service, or when you purchase another product or service from us; when you are referred to us through one of our affiliates or joint ventures, or partners; when you communicate with us via third-party platforms, participate in a contest, promotion or survey; when you request customer support or information about our products or services; or when you otherwise communicate with us. In addition, job applicants, current employees, and former employees may provide us information necessary to apply for a job and or to obtain or retain benefits during and after employment as described under the Employees and Job Applicants in this section below and throughout this notice.

The information we collect depends on the context in which you provide it, and may include:

•    Identifiers such as full name, alias, unique personal identifier, online identifier, Internet Protocol address, email address, postal address, phone number
•    Demographic information such as race, ethnicity, age, and gender that may be required gathered in accordance with federal or state requirements
•    Sensitive personal information, which may include social security, driver’s license, state identification card, government identification card, or passport number; account log-in, financial account number in combination with any required security or access code, password, or credentials allowing access to the account
•    Home ownership status, location, and approximate value of your property, as well as photos of your property
•    Loan, real estate, or financial or credit products or services you have used in the past
•    Financial information, such as income, assets, savings, investments, liabilities, and net worth
•    Bank account information
•    Employment or professional history or status and education information
•    Insurance information
•    Other profile data, including your interests and preferences
•    Information for fraud detection and prevention (including your photo)
•    Any other information you may choose to provide
Information We Collect
Consumer and Customers
We collect information about you to help us serve your financial, real estate, insurance, credit, and homeownership-related needs; to provide you with quality products and services; and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include:
•    Identifying information, such as your name, age, address, phone number and social security number
•    Employment information
•    Contact information (such as first and last name, mailing or property address, phone number, email address)
•    Account access information, such as username and password
•    Demographic information (such as date of birth, gender, marital status, ethnicity, race)
•    Social security, driver’s license, passport, and other government identification numbers
•    Loan account information (such as loan number)
•    Bank account and credit/debit card numbers
•    Other personal information needed from you to provide real estate-related, loan-related, insurance-related, credit-related, and homeownership-related services to you
•    Information for fraud detection and prevention
•    Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business.
Typically, we collect this information on applications and other forms you complete; through conversations you may have with our loan originators, processors, representatives, and agents; through our service partners; through third-parties, such as realtors, home builders, and marketing companies; and in some cases, through our website, online tools, virtual chatbots, and digital applications. We may also collect information from a wide range of other sources to process and/or underwrite your loan, assist you in your real estate transaction(s), participate in the settlement of your loan, or otherwise provide you with loan, credit, insurance, or homeownership-related products and services. These sources may include among others, lenders, mortgage brokers, employers, attorneys, banks, title insurers, insurance companies, credit reporting agencies, and partners for which, if necessary, we will provide you notice before sharing information and/or that we obtain your consent.

How We Use Your Information

We use certain of your information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters to assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending, title, escrow, loan settlement, real estate transaction, and other product and service transaction process such as:
•    Maintaining regular communications with you as may be necessary to execute loan application, loan agreement, and certain stipulations such as identity verification, income verification and employment verification; to settle your mortgage loan, issue title insurance, and perform other title, escrow, and other loan settlement processes; to assist you in a real estate transaction and related-real estate mortgage origination and real estate settlement processes; or to otherwise complete your credit, loan, real estate, or homeownership-related transaction
•    Enabling our affiliates and partners to communicate with you about the loan settlement process, real estate transaction, title insurance, and other related services and processes
•    Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account, loan application, transaction, or product or service request
•    Informing you about available products and services
•    Enabling our financial services partners to implement automatic payments and funds transfer
•    Implementing collection activities as needed
We may also use this information to analyze and improve our performance. 
In addition, we gather names and email addresses of people who contact us through our website with questions about our company or lending operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.