Last updated: August 31, 2020
What personal information is being collected?
The following information may be collected when you use this web site: – your server address; – the date and time of your visit to the web site; – the pages you accessed and the documents downloaded; – the previous web site you visited; and – the type of browser you are using. This information is collected for statistical purposes and to enable us to improve the navigation functions of our web site. Where permitted by applicable law, third parties may be used from time to time to collect the above listed information and information on your online activities. Additionally, this web site may ask for specific personal information in order to respond to requests for information or to register users for particular services. This can include but may not be limited to:
Cookies and Usage Reports
By placing a small file known as a “cookie” on your computer (or other device), Atlantic Home Loans and our third party service providers’ servers passively gather information about all visitors’ use of the System for several reasons, including, but not limited to, the following: statistics collection and analysis, System optimization, analytics (as described below), market research, and maintenance of user login information. The information that we and our third party service providers track with cookies includes, but is not limited to, the type of browser (such as Google Chrome or Internet Explorer) and Internet-connected devices being used to access the System, your Internet protocol (“IP”) address, your home domain or Internet service provider, your referrer URL (which is the URL for the website that you were viewing prior to visiting the System), how you were directed to the System, which specific pages you access on the System, how long you view each page, the time and date you access our System and the total number of visitors to the System and any portions thereof. We and our third-party service providers, may use the information collected from cookies or similar files on your computer for security purposes (such as authentication), to facilitate site navigation and to personalize your experience while visiting the System. This data helps us and our third-party service providers improve our respective product and services.
Most popular Internet browser applications will allow you to configure the browser so as not to accept cookies. However, setting your browser to reject cookies may, in certain instances, prevent you from taking full advantage of the System (or some portion thereof) and its capabilities, or cause some features of the System to function improperly or more slowly.
Third-Party Service Providers and Web Beacons
Our Websites may use third-party services such as Google Analytics, Facebook Pixels, and similar web analytics services.
We appreciate your questions and comments about the System and Services and welcome your messages at our “Contact Us” page, which you can find at https://atlantichomeloans.com/contact-AHL/. If you correspond with us through the System or via email, the Collected Information may include the content of, and metadata regarding, any correspondence you may have with us. We may share your messages with those within our organization who are most capable of addressing the issues contained in your message. We may archive your message for a certain period of time or discard it.
How to Opt Out of Promotional Correspondence
We may send you emails with promotional offers only if you opt in to receiving such emails. If you would no longer like to receive information, newsletters or other promotional messages from us, please click the link at the bottom of any such email you receive from us and follow the instructions, or alternatively you may contact our Customer Service (as provided below) in order to unsubscribe or have your email address removed from our marketing list. Please allow us a reasonable period of time in order to satisfy your request, as some promotions may already be in process.
Online Account Management
If you elected to subscribe to any online services provided via the System, including the ability to access any password-protected areas of the System, you will be required to submit personal information (including some Collected Information) for the purpose of verifying your identity and your authority to manage the account. This Collected Information will be used exclusively by us, our agents, suppliers and third-party service providers for internal use and to respond to your service requests.
How We Use the Information That We Collect
- You expressly authorize us to do so;
- It is necessary to allow our service providers, agents, or other third parties to provide products or services for or to us;
- it is necessary in order to provide the System or the Services;
- Subject to applicable legal restrictions, we are sending you other information that may be useful to you;
- Subject to applicable contractual or legal restrictions, it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements;
- It is necessary to protect the confidentiality or security of your records;
- It is necessary in connection with other business purposes including, without limitation, verifying identity, age, or payment details; investigating complaints about the System; risk assessment, security, fraud and crime prevention/detection; monitoring, research and analysis; marketing, customer purchasing preferences, and trends; and dispute resolution;
- It is necessary to comply with law enforcement, governmental mandate, or other legal requirement, if appropriate, for your protection or in connection with an investigation or prosecution of possible unlawful activity;
- Subject to applicable contractual or legal restrictions, it is necessary in connection with a sale of all or substantially all of the assets of one of our companies or the merger of one of our companies into another entity or any consolidation, share exchange, combination, reorganization, or like transaction in which our company is not the survivor; or
- It is otherwise necessary for us to disclose it as required or permitted by law.
With Whom We Share the Information That We Collect
We do not sell, rent, or lease our user lists or the identity of individual users to third parties, except as permitted or required by applicable law. However, we may use and disclose certain aggregated, anonymized information, such as System usage data, to our trusted business partners. Such information may also be shared as permitted or required by applicable law.
We may also disclose Collected Information if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose information. We may also use and disclose Collected Information to establish or exercise our legal rights, to assert and defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.
As we grow and develop our business, it is possible that our corporate structure or organization might change or that we might merge or otherwise combine with, or that portions of our business might be acquired by, another company. In any such transactions, customer information generally is, and should be expected to be, one of the transferred business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, your information may be considered a company asset that may be sold or transferred to third parties.
Any personal information you provide to us when applying for a job position with us will be used solely to consider and act upon your application. We may retain your personal information for a period of time, but only for as long as necessary for such purposes. We may disclose your personal information to our agents for the purpose of evaluating your qualifications for the particular position you applied for, or other available positions. We may also disclose your personal information to third parties hired by us to collect, maintain, and analyze candidates for job positions.
Promotions and Surveys
On the System, you may wish to participate in certain online polls, surveys and other promotions that may be offered from time to time by us, a partner, or other entity through which you are using the System. Participation in these polls, surveys and promotions is completely voluntary; you have a choice about whether or not to disclose information required to enter. Information requested may include Collected Information such as your name, address, date of birth, phone number, mobile phone number, e-mail address, username, and/or similar information. Through these online polls, surveys and promotions, you may choose to participate in activities such as sharing information with others and sending email invitations. In connection with any online polls, surveys and other promotions that may be offered from time to time via the System by us, we use the information you provide to administer the polls, surveys and other promotions. Subject to applicable contractual or legal restrictions, we also may use the information to communicate with you, or the other people you select, about our services or products.
Your Choices Regarding Our Privacy Practices
When submitting information, corresponding, making requests for information, and otherwise interacting with us and our representatives through or in connection with the System, including by utilizing the Services, you choose what information to supply or submit, whether you wish to receive further information, and how you may be contacted. Please take care to share only such information as is needed or that you believe is appropriate. Any promotional email we send to you will contain a link which will allow you to opt out of receiving any further correspondence.
How We Protect Information Collected About You
We take commercially reasonable measures to secure and protect information transmitted via or stored on the System. Nevertheless, no security system is impenetrable. We cannot guarantee that information that users of the System may happen to transmit or otherwise supply will be totally secure.
If you initiate a transaction on a website to which our System links, even if you reached that site through the System, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked website. You should read that website’s privacy policies to understand how personal information that is collected about you is used and protected.
Any information, communications, or material of any type or nature that you submit to the System by e-mail, posting, messaging, uploading, or otherwise (collectively, a “Submission”) is done at your own risk and without any expectation of privacy. We cannot control the actions of other users of the System and we are therefore not responsible for any Submissions contained on a Website.
Additionally, in the event that we offer a message board or any other interactive or social-type feature on a Website, including comments to blog posts, please be aware that these areas may allow you to post, and share with other users, certain messages, content, or other information. We encourage you to be wary of giving out any personal information, or any personal information of others to which you may have access, in such forums. The information you post can be collected and used by other people. We cannot guarantee the privacy and safety of these areas and are therefore not responsible for any information you choose to post. Your use of these features is fully at your own risk.
Social Media Platforms and Websites
Right to Verify the Accuracy of Information We Collect
Keeping information accurate and up to date is important to us. An individual may see and correct their personal information that they provided to us, subject to certain legal or contractual limitations. Contact us as described below if you wish to verify your personal information.
Information Collected from Children
The System is intended for a general audience and is not intended for use or view by children under 13 years of age, and we do not knowingly collect information about children or sell products to children. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13. If you are under the age of 13, you are not permitted to submit information to the Site.
All information submitted through our Websites must be submitted by the parents or legal guardians of the children to whom any such information relates.
Visiting the System from Outside the United States
Do Not Track Requests
Solely with respect to information collected on our website through our NEXT system (the “NEXT System”), the following additional provisions apply:
- If you provide your email through the NEXT System, we may email you about your use of the NEXT System and other services, and we may receive a confirmation when you open an email from us.
- Certain information, such as IP addresses, browser type, internet service provider, referring/exit pages, operating system, date/time stamp, and/or clickstream data may be gathered automatically and stored in log files.
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