Last updated: November 24, 2020
New York Homebuyer Programs (“us”, “we”, or “our”) operates the CalHomebuyerPrograms.com website (the “Service”).
This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.
We will not use or share your information with anyone except as described in this Privacy Policy.
We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at https://calhomebuyerprograms.com
Information Collection And Use
We collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.
Cookies
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.
We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Service Providers
We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Security
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Children’s Privacy
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.
Google Analytics
We also work with vendors and partners in operating and improving the Site. These vendors and other partners include advertising and web analytics companies. These partners and vendors use cookies, web beacons and other technologies to collect information about your online activity (e.g., the sites and pages you have visited at the Site and at times other third party sites) in order to help manage ad campaigns, understand user interests and trends and deliver personalized content and advertising to you while you are on the Site or on other sites.
Our privacy policy does not cover any use of information that a third-party vendor may collect from you. These companies have their own policies regarding record keeping and data retention. If you would like more information, or would like to know your choices about not having this information used by advertising companies, please visit http://www.networkadvertising.org/.
We use Google Analytics on the Site; information on how this collects and processes data can be found at: https://www.google.com/policies/privacy/partners/. In addition, we have enabled certain Google Analytics advertising features that utilize cookies. These features enable us to obtain certain demographic and interests data for visitors to the Site. You can opt out of these features by visiting https://www.google.com/settings/u/0/ads.
We may use Google AdWords remarketing to trigger advertisements across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the Site you have viewed by placing a cookie on your machine. The cookie is used to say “This person visited this page, so show them ads relating to that page.” Google AdWords remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. If you do not wish to participate in our Google AdWords remarketing, you can opt out by visiting https://www.google.com/settings/ads/onweb/.
Our Site may include social media features, such as Facebook or Twitter buttons. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. These features are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policy of the company providing it.
PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD PARTY VENDORS.
Who we share your data with
If you use our site to request a quote or information, we will connect you with companies in our Approved Partner Network (“Partners”) in order to process and fulfill your request. To do so, we will use the Provided Attributes you elected to share with us to determine which companies can help you and we will share your Provided Attributes with those companies. This is the primary use of data on our Site.
By submitting your request, you understand that our Partners may contact you by telephone, automated calling, mobile device, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If a Partner contacts you and you wish not to be contacted again by that Partner with respect to your inquiry, then you should specifically make a request to that Partner not to contact you again. Please note that our Partners may maintain the information you provided whether you elect to use their services.
We may use the data we collect from and about you to (i) respond to your requests (e.g., receive white papers, email, phone calls or texts); (ii) to keep you informed of our products and services (and those of our Partners); (iii) to improve our Sites and business; (iv) to fulfill any purchase you make; and (vi) to use your data in an aggregated, non-specific format for analytic and demographic purposes.
We use Technical Data to monitor this Site’s performance, analyze traffic patterns and usage, ensure that this Site and any transactions function properly, and gather demographic information about our user base as a whole.
How long we retain your data
In general, we will retain your data for as long as is needed to connect you with Partners who can provide you with information about the products and services you are seeking, which is typically 90-180 days. We will typically retain an archived copy of your data for seven years as required or permitted by law for legal and compliance purposes.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Your contact information
You can generally visit the Site without revealing any personally identifiable information about yourself. However, in certain sections of the Site and when you use our Services, we may enable you to request quotes or information, complete a registration form, or perform other similar activities. Due to the nature of some of these activities, we may collect personally identifiable information that you choose to submit such as your name, contact data (address, email address, phone number), financial information and other similar information. We may also collect additional personally identifiable information that you voluntarily include in your interactions with the Site or transmit with your communications to us. We refer to the information that you elect to provide as “Provided Attributes”.
Additional information
Categories of Data we Collect
We collect the following CCPA categories of data:
- identifiers, such as a name, email address, telephone number, postal address, unique personal identifier, online identifier, and IP address.
- protected classification characteristics under California law, such as veteran or military status;
- commercial information, such as products or services obtained, or considered
- internet activity, such as browsing history and search history
- geolocation data;
- inferences drawn from some of the information above (e.g., email open rates and time).
We generally collect the above data as Technical Data or Provided Attributes. For example, we do not create user profiles to determine the gender, marital status or employment status of consumers.
Data Sources
Us: We collect Technical Data and Provided Attributes from consumers who land on or engage with our Sites, or other properties we own (e.g., in response to emails from or on our behalf).
Service Providers: We engage service providers to perform a variety of functions (e.g., verifying consumer consent, validating email addresses or phone numbers).
Authorization: We require all parties from whom we receive data, whether they are Partners, Service Providers or other third parties, to represent and warrant to us that they have appropriately obtained the data provided to us and have the authority to share the data with us.
Purpose for Data Collection. As described above in “How Do we Use the Information We Collect,” we primarily use the data we collect to connect consumers with Partners who can provide information about the products and services those consumers are seeking.
Categories of Third Parties with Whom we Disclose Personal Data. In addition to the sharing for the primary use described in “Data Sharing,” we may share your data with other businesses we own, service providers, and third party websites.
Categories of Data Sold. As described above in “How Do we Use the Information We Collect” and “Data Sharing,” we may transfer Technical Data and Provided Attributes to Advertising Partners who can provide the consumer with information about the products and services they are seeking. We may receive a fee for the transfer of that data or when the consumer purchases a product or service.
CCPA Rights
The CCPA affords certain rights and protections to California residents including:
- the right to request that we delete any “personal information” that we have collected from you (“Right to Delete”);
- the right to request that we disclose the categories and/or specific pieces of personal information collected and sold (“Right to Know”); and
- the right to direct us not to sell their “personal information” (“Right to Opt-Out”).
“Personal information” is defined under the CCPA as “information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.”
California residents who would like to submit a Request to Know, Delete, or Opt-Out should contact us. Upon submission, you will be asked to verify your email address. If we are able to verify your Request to Know or Delete, (e.g., that you are a California resident and that we have or have sold, as the case may be, your “personal information”), we will respond within 45 days of your submission (or such additional time period as the law allows us).
How we protect your data
The security of your personal information is very important to us. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
