This page (“Privacy Policy” or “Policy”) provides our policies and procedures for collecting, using, and disclosing your information and outlines the security measures we’ve put in place to protect the information that you store using iLoan Mortgage's services, including the services made available through this website, and any other software or services offered by iLoan Mortgage in connection with such services (the “Services”). By using these Services, you consent to the collection, transfer, processing, storage, disclosure, and other uses of your information described in this Privacy Policy.

What information does iLoan Mortgage collect and store?

Personal Information:

When expressing an interest in obtaining additional information about the Services or registering to use the Services, iLoan Mortgage requires you to provide your personal contact information, such as your name, company name, address, phone number, and email address (these are referred to below as your “Personal Contact Information”). When purchasing the Services, iLoan Mortgage also requires you to provide financial and billing information, such as billing name and address, credit card number, and the number of employees within the organization that will be using the Services (“Billing Information”).

Data, Diagnostic & Login Information:

Using iLoan Mortgage’s Services, you will be able to create, upload, store, and share information such as company description, email ID, logo, photos, custom emails, user email IDs, etc. (this is collectively referred to below as “Data”). This information will be stored and maintained on iLoan Mortgage’s website. If you run into technical errors in the course of using the Services, iLoan Mortgage may request your permission to obtain a crash report along with certain logging information from your system documenting the error (“Diagnostic Information”). Such information may contain information regarding your Operating System version, hardware, browser version, and your email address, if provided. Additionally, certain login information is maintained in a cookie stored locally on your computer (i.e., not on a server) in order to streamline the login process (“Login Information”).

Analytics Information:

As you navigate iLoan Mortgage's website and use our Services, iLoan Mortgage may also collect information through the use of frequently used information-gathering tools, such as cookies and Web beacons (“Website Navigational Information”). Website Navigational Information includes standard information from your web browser (such as browser type and browser language), your Internet Protocol (“IP”) address, and the actions you take on iLoan Mortgage’s website (such as web pages viewed and links clicked). Collectively, this information is referred to as “Analytics Information.”

Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to your website or other websites.

Google's use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.

Users may opt out of personalized advertising by visiting Ads Settings or by visiting

www.aboutads.info

.

Geo-Location Information:

iLoan Mortgage does not collect any information regarding your real-time geo-location while using the Services; however, it may do so at some point in the future. We will request your permission before collecting such information.

What does iLoan Mortgage do with the information it collects?:

iLoan Mortgage uses the information it collects in the following ways:

Personal Contact Information – We use this information primarily to administer our Services to you and provide you with updates and product announcements. Per the Privacy and Conditions, we may use some of your information for marketing purposes, as explained below.

Billing Information – iLoan Mortgage does NOT store any Billing Information on its servers. Instead, we use a payment provider, Stripe (www.stripe.com), to store and process all payment-related transactions. Find information regarding Stripe’s privacy policy here.

Data, Diagnostic Information, and Login Information

We use this information solely for the purpose of administering and improving our Services to you.

Analytics Information – iLoan Mortgage may use your Analytics Information in conjunction with an analytics service such as Google Analytics to monitor and analyze the use of the Services, for the Services’ technical administration, to increase the Services’ functionality and user-friendliness, and to verify users have the authorization required for the Services to process their requests.

Sharing & Disclosure of Private Information

Third Party Applications and Your Use:

iLoan Mortgage provides users with the ability to link their Data to third-party sites such as Facebook, Twitter, and LinkedIn. Such linking is at the complete discretion of users. Because of this, iLoan Mortgage cannot be held responsible or liable for the linking of user’s Data to such third-party sites, nor for how these third-party sites use such links.

Marketing and Publicity:

Per our Privacy and Conditions, you agree to permit iLoan Mortgage to identify you as a customer and to use your name and/or logo in iLoan Mortgage’s website and marketing materials.

Sale of Personal Information:

iLoan Mortgage does not sell, rent, or trade your private information to any third parties in any way.

Service Providers and Business Partners:

iLoan Mortgage may use certain trusted third-party companies and individuals to help us provide, analyze, and improve the Services (including, but not limited to, data storage, maintenance services, database management, web analytics, payment processing, and improvement of the Services’ features). These third parties may have access to your information strictly for the purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy.

Non-Private or Non-Personal Information:

We may disclose your non-private, aggregated, or otherwise non-personal information, such as usage statistics of our Services, in our discretion.

Our Use And Disclosure of Information

iLoan Mortgage will not disclose any personally identifiable information about any individual except as set forth in this Privacy Policy. This applies to information about our customers and information our customers provide to us about their customers. We are not limited in any way in our use of non-personal information that does not permit direct association with any specific individual or non-identifiable aggregate information about our users (such as the number of customers who use our services, the geographic distribution of our users, the amount of information located and/or removed, etc.).

Internal Uses of Your Personally Identifiable Information

We collect, store, and process your personally identifiable information on servers located in the United States. Due to the unpredictable nature of Internet routing, your information may pass through other countries while in transit to our servers. We use the information we collect about you in order to:

Develop and deliver our servicesProcess your transactionsProvide customer service and manage your accountImprove our products, services, and marketing.

We provide access to personally identifiable information about our users only to those who require it for the above purposes.

iLoan Mortgage will not sell or rent any of your personally identifiable information to third parties. iLoan Mortgage will not share any of your personally identifiable information with third parties except in the limited circumstances described below.

We share information with service providers under contract who help with our business operations such as payment and order processing, fraud investigation, bill collection, and information management and analytics. If content generation is included in your services, we may share information with service providers under contract to create, edit, and/or publish such content. These third parties are obligated to protect your information and are contractually prohibited from using your personally identifiable information for any other purpose. They are never permitted to share your information with any third parties. They are authorized to use your personal information only as necessary to provide these services to iLoan Mortgage.

We disclose information that we, in good faith, believe is appropriate to cooperate in investigations of fraud or other illegal activity, to conduct investigations of violations of our Privacy of Use and/or to protect our right, protect your safety and the safety of others.

We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver, or other comparable legal process, including subpoenas from private parties in a civil action.

When a user signs up for a co-branded version of our service through links from our co-branded partner’s website, iLoan Mortgage will share with the co-branded partner that user’s name, e-mail address, and physical address in order to provide enhanced integration between iLoan Mortgage's services and the services of our co-branded partner. If you do not want your information shared with a co-branded partner, sign up for iLoan Mortgage directly through our website and not through a link from our partner’s website.

We disclose information to your agent or legal representative.

We share information with companies that provide public relations and marketing services for us. Such information will only be shared by us to customize, measure, and improve our products, services, and advertising. It will not be shared with third parties for their marketing purposes.

As with any other business, it is possible that in the future, iLoan Mortgage could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by iLoan Mortgage, including customer account information, but would continue to be bound by this Privacy Policy until it is amended.

We share your information with our parent, subsidiaries, and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.

The implementation of our Services, by its very nature, may require revealing your personally identifiable information in order to effect removal of Internet content about you. This occurs with your express permission for a specific, given purpose.

Changes To Privacy Policy

If we decide to make material changes to our Privacy Policy, we will notify you by e-mail through the primary e-mail address specified in your account and/or post those changes to this Privacy Policy on the Website homepage prior to the changes taking effect. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you.

You are also responsible for regularly reviewing the Privacy Policy and related documents. We reserve the right to modify this Privacy Policy at any time.

In the event of a business transition, such as a merger or acquisition by another company, users' personally identifiable information will, in most instances, be part of the assets transferred.

Internal Uses of Your Personally Identifiable Information for EU Residents

If you reside in the European Union (“EU”), United Kingdom, Lichtenstein, Norway, Iceland, or Switzerland, you may have additional rights with respect to your personally identifiable information. These rights may include rights under the EU’s General Data Protection Regulation (“GDPR”). If you are a resident of the EU, United Kingdom, Lichtenstein, Norway, or Iceland, “Personal Data” is any data that relates to an identified or identifiable natural person. Examples of Personal Data include identifiers such as name, location data, and unique online identifiers.

In addition to the principles, practices, and policies set forth above in this Privacy Policy, iLoan Mortgage has adopted the following principles to govern its collection and processing of Personal Data:

Personal Data shall be processed lawfully, fairly, and in a transparent manner.The Personal Data collected will only be those specifically required to fulfill iLoan Mortgage's obligations to deliver the service.Personal Data shall only be retained for as long as it is required to fulfill contractual requirements.Personal Data shall be adequate, relevant, and limited to what is necessary in relation to the purposes for which they are collected and/or processed. Personal Data shall be accurate and, where necessary, kept up to date.The data subject has the right to request from iLoan Mortgage access to and rectification or erasure of their Personal Data, to object to or request the restriction of processing concerning the data, or to the right to data portability. In each case, such a request must be put in writing to iLoan Mortgage.

About the California Consumer Privacy Act (CCPA)

Effective on January 1, 2020, the California Consumer Privacy Act (CCPA) allows California residents to obtain certain information collected by the business with whom they have established business relationships. If you are a California resident, you may exercise certain rights to access, restrict, or delete your personal information by submitting a request through this link.

Community:

Our Services may include publicly accessible community services such as blogs, forums, and wikis. Please be aware that any information you provide in these areas may be read, collected, and used by others who access them. Your posts on these communities may remain even after you cancel your account.

1. Introduction

Welcome to iLoan Mortgage! These Terms of Service ("Terms") govern your use of the iLoan Mortgage website and its associated services (collectively, the "Service"), which are owned and operated by iLoan Mortgage ("us", "we", or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

2. Use of Service

The Service is provided to assist you with [describe the services e.g., mortgage lending, financial consulting, etc.]. By using this Service, you agree to use it in compliance with all applicable laws and regulations and not for any unlawful purposes.

3. Account Registration

If you choose to register for an account, you agree to provide accurate and complete information and keep your account information updated. You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password.

4. Intellectual Property Rights

All content provided on the Service, including but not limited to text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of iLoan Mortgage or its suppliers and protected by copyright and other laws.

5. User Conduct

You agree not to use the Service to upload, post, email, or otherwise transmit any material that is illegal, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable.

6. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

7. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. iLoan Mortgage makes no representations or warranties of any kind, express or implied, as to the operation of their services, or the information, content, or materials included therein.

8. Limitation of Liability

In no event shall iLoan Mortgage, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions.

10. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

Privacy Policy Additions/Adjustments:

User Consent and Data Use:
iLoan Mortgage will collect user consent for A2P 10DLC campaigns through explicit opt-in mechanisms, such as web forms, text messages, or verbal agreement. These mechanisms are designed to ensure that users are fully informed and agree to participate in our messaging campaigns. We affirm that no mobile information will be shared with third parties or affiliates for marketing/promotional purposes without explicit user consent.

Opt-In and Opt-Out Procedures:
The process for users to opt-in to receive messages from iLoan Mortgage includes specific actions such as checking a consent checkbox or replying to a confirmation message. Users can opt-out of receiving messages at any time by using specific keywords (e.g., STOP, CANCEL) to unsubscribe from our messaging service.

Data Protection and Privacy:
We assure users that all data collected through A2P 10DLC campaigns, including opt-in and opt-out preferences, is protected according to the highest security standards. Our privacy policy and terms of service links are easily accessible at points of opt-in on our website or any other digital platform used for consent collection.

Terms of Service Additions/Adjustments:

A2P 10DLC Compliance:
iLoan Mortgage's services comply with A2P 10DLC campaign regulations, including the manual vetting process and adherence to messaging policies. We ensure the accuracy and consistency of campaign data, use cases, and message content to meet regulatory requirements.

User Consent for Messaging:
Users must provide explicit consent to receive messages from iLoan Mortgage. Consent is obtained through clear and transparent methods. The consent given for one campaign or service is not transferable to different campaigns or services without obtaining new consent.

Forbidden Use Cases and Content:
Certain use cases and content types, such as hate speech and illegal activities, are strictly prohibited in A2P 10DLC campaigns. iLoan Mortgage commits to adhering to content guidelines and use case restrictions as part of the campaign approval process.

Questions, Complaints, and Contacts

If you have any questions regarding this Privacy Policy, please contact us at Graco@funesfunds.com, or by U.S. mail at the address below:

iLoan Mortgage
Attn: Privacy Officer
980 North Michigan Avenue | Suite 1400
Chicago, IL 60611