Privacy Policy JSS Financial, Inc (“we” or “us”) operates the https://JSSFinancial.net/ website and related mobile applications for the solicitation, origination, servicing, and sale of mortgage loans (hereinafter referred to as the “Service”). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service, and we do not sell or rent your data to other companies. 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, the terms used in this Privacy Policy have the same meanings as in our Terms of Use. Information Collection and Use We collect several different types of information for various purposes to provide and improve our Service to you. Types of Data Collected Personal Data While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to: Email address; First name and last name; Phone number; Address, State, Province, ZIP/Postal code, City; Social Security Number; Employment information; Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business; and Cookies and Usage Data. We may also collect this information from a wide range of other sources in order to provide you the Service. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies. We may also use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send. Usage Data We may also collect information that your browser automatically sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol 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, unique device identifiers and other diagnostic data. When you access the Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data. Location Data We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service. You can enable or disable location services when you use our Service at any time by way of your device settings. Tracking Cookies Data We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. 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. Examples of Cookies we use: Session Cookies. We use Session Cookies to operate our Service. Preference Cookies. We use Preference Cookies to remember your preferences and various settings. Security Cookies. We use Security Cookies for security purposes. Use of Data We use the collected data for various purposes: To provide and maintain our Service; To notify you about changes to our Service; To contact you if there is a problem completing a transaction you requested or to discuss your account; To allow you to participate in interactive features of our Service when you choose to do so; To provide customer support; To enable our financial services partners to implement automatic payments and funds transfer; To gather analysis or valuable information so that we can improve our Service; To monitor the usage of our Service; To detect, prevent and address technical issues; and To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information. Your data may be shared with: Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents Non-financial companies, such as title and escrow companies, appraisal companies, etc Others, such as non-profit organizations Transfer of Data Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. This policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Disclosure of Personal Data Disclosure for Law Enforcement Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency). Legal Requirements We may disclose your Personal Data in the good faith belief that such action is necessary to: To comply with a legal obligation; To protect and defend our rights or property; To prevent or investigate possible wrongdoing in connection with the Service; To protect the personal safety of users of the Service or the public; and To protect against legal liability. Service Providers We may employ third party companies and individuals to facilitate our Service, provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used (“Service Providers”). These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. Security of Data The security of your data 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 Data, we cannot guarantee its absolute security. How We Respond to Do Not Track Signals Website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that allow you to choose regarding the collection of personal information about your online activities over time and across third party websites, to the extent the operator engages in that collection. We do not track your personal information over time and across third-party websites and, therefore, this requirement does not apply to us. Website and online service operators must also disclose whether third parties may collect personal information about your online activities over time and across different websites when you use the operator’s website or service. Third parties that have content or services on our website such as a social feature, analytics service, or an advertising partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our website unless you directly provide it to us and we provide it to them with your consent. Analytics We may use third-party Service Providers to monitor and analyze the use of our Service. Google Analytics Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information on the privacy practices of Google, please visit Google’s Privacy & Terms web page: https://policies.google.com/privacy?hl=en. Behavioral Remarketing We may use remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service. Google AdWords Google AdWords remarketing service is provided by Google. You can opt out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads. Google also recommends installing the Google Analytics Opt-out Browser Add-on (located at https://tools.google.com/dlpage/gaoptout) for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit Google’s Privacy & Terms web page: https://policies.google.com/privacy?hl=en. Facebook Facebook remarketing service is provided by Facebook Inc. You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950. To adjust Facebook’s interest-based ad settings, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217. Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can opt out of Facebook and other participating companies through the Digital Advertising Alliance in the United States (http://www.aboutads.info/choices/), the Digital Advertising Alliance of Canada in Canada (http://youradchoices.ca/) or the European Interactive Digital Advertising Alliance in Europe (http://www.youronlinechoices.eu/), or opt out using your mobile device settings. For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation. Payments We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g., payment processors). We will not store or collect your payment card or banking details, unless you elect to pay using a recurring payment feature of the service. Information may be provided directly to our third-party payment processors whose use of your personal information is governed by their respective Privacy Policy. Links to Other Websites Our Service may contain links to other websites or mobile applications that are not operated by us. If you click a third-party link, you will be directed to that third party’s website or mobile application. We strongly advise you to review the Privacy Policy of every website you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites, mobile applications 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 anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers. Changes to This Privacy Policy We may make changes to our Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy to the website. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Contact Us If you have questions, please contact us using the phone number at the top of the page or our contact page. Last Updated: 3/6/20
Terms of Use Agreement Your use of this Website and the content and services provided through or in connection with this website (“Website”) is subject to this Terms of Use Agreement (“Agreement”), as well as our privacy policy (“Privacy Policy”). Each time you (“User”) use our Website, User agrees to be bound by this Agreement and the our Privacy Policy. If user does not agree to this Agreement and Privacy Policy, User must immediately discontinue use of this Website. The terms “we”, “us”, or “our” as used in this Privacy Policy refer to When You Need A Loan. By submitting a request for loan products, services, or related information on Website, User is consenting to be contacted by one or more Lenders either by telephone, email or mail based on the information User provides, even if User has 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 any particular Lender associated with us. User understands and agrees that the Lenders may maintain the information User submits to us whether User elects to use their services or not. In the event User no longer wants to receive communications from a Lender, User agrees to notify the Lender directly or opt out. User also gives us permission to send User periodic updates of current loan or related products which may be of interest to the User. User understand and agree that if User submits a request for loan products or services through the Website, we will share your personal information (such as your full name, address, telephone number) with Lenders, including banks, correspondent lenders, mortgage bankers and brokers to process and fulfill your request. Nothing contained herein shall constitute an offer or promise for a loan, loan commitment or interest rate lock-in agreement of any kind. Nothing on the Website constitutes an advertisement for credit as defined by Paragraph 226.24 of Regulation Z. Use of the Our Website User certifies to us that: (i) User is at least eighteen (18) years of age and a resident of, or located in, the United States; (ii) User assumes full responsibility for the use of the Website by any minors; (iii) User agrees that all information User has submitted to us, online or otherwise, is accurate and complete, and that User has not knowingly submitted false information on or through the our Website; and, (iv) User’s use of the Website is subject to all applicable federal, state, and local laws and regulations. Disclaimer; Limitation of Liability USER ASSUMES ALL RESPONSIBILITY FOR THE USE OF THIS WEBSITE. THE CONTENTS ARE PROVIDED “AS IS,” AND ARE WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; FREEDOM FROM VIRUSES, BUGS, ERRORS, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES; AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS. WE MAKE NO WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY INFORMATION OR SERVICES OR THE PRODUCTS OR SERVICES OBTAINED THROUGH THE WEBSITE OR ANY HYPERLINKED SITE. WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, PUNITIVE, INCIDENTAL, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES, TO THE GREATEST EXTENT ALLOWED BY APPLICABLE LAWS, ARISING OUT OF THE USE OF OR INABILITY TO USE THIS WEBSITE, THE CONTENTS, OR ANY HYPERLINKED SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Nothing on this Website contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms. In no event shall we be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. This Website is only intended to provide data and information that may be of interest to its Users. The Website’s contents are comprised solely of general information and are not customized to a User’s personal situation. Indemnification User agrees to indemnify, defend, and hold harmless, us and our subsidiaries and affiliates, and their respective agents, officers, directors, employees, and contractors, from and against any and all loss, liability, claim, damage, and other expenses (including reasonable attorneys’ fees) caused by or arising from User’s: (1) violation of this Agreement; (2) access to or use of this Website or Service; or (3) failure to provide accurate, truthful, and complete, current personal information. Violation of the Agreement; Termination We may permanently or temporarily terminate, suspend, or otherwise refuse to permit User’s access to this Website without notice and liability, if, in our sole determination, User violates any of the terms and conditions, including the following prohibited actions; (i) use the Website for any illegal purpose or to submit, transmit or facilitate the distribution of information or content that is unlawful, harmful, abusive, racially or ethnically offensive, vulgar, obscene, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, harassing, libelous, threatening, or in a reasonable person’s view, objectionable; (ii) submit, transmit, promote or distribute information or content that is illegal; (iii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Website; (iv) take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v) upload invalid data, viruses, worms, or other software agents through the Website; (vi) use any robot, spider, scraper or other automated access the Website for any purpose without our express written permission; (vii) impersonate another person or otherwise misrepresent User’s affiliation with a person or entity, conduct fraud, hide or attempt to hide User’s identity; (viii) submit, upload, post, email, transmit or otherwise make available any information or content that User does not have a right to make available under any law or under contractual or fiduciary relationships; (ix) interfere with the proper working of the Website; or, (x) bypass the measures we may use to prevent or restrict access to the Website. Upon termination for any reason, User continues to be bound by this Agreement. Other Products and Services User understands and agrees that if User requests a product or service other than information regarding a loan product, we will share User information with certain business partners to process and fulfill User’s request. User further agrees that such business partners may contact User by telephone, email or mail based on the information User submits. User understands and agrees that the Lenders may maintain the information User submitted to us whether User elects to use their services or not. In the event User no longer wants to receive communications from a business partner, User agrees to notify the business partner directly. User also gives us permission to send User periodic updates concerning changes to the Website, Service or special offers which may be of interest. Intellectual Property and Other Proprietary Rights Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval. Unless otherwise indicated, all contents of this Website are protected by the copyright laws of the United States of America, all rights reserved. All trademarks, service marks and other logos are trademarks or service marks that belong to us. All other logos and brand names displayed on the Website are trademarks or service marks of their respective owners. User shall not reverse engineer, decompile, reverse assemble, analyze, study or otherwise attempt to discover the input and output protocols, the source code or any other features of the software or data not readily accessible through conventional use of a personal computer. Other than a personal, non-transferable and non-exclusive license for User on behalf of personal yourself to use the Website on a single computer, We grant no license or other rights to its Website and the software, data and intellectual property rights embodied in the Website. Hyperlinks Any hyperlinks contained in this Website belong to third-party sites (“linked sites”) and are provided by us for User’s convenience only. We do not control linked sites in any way and neither expressly nor implicitly (i) represents or warrants the truth or accuracy of any information included in any linked site or (ii) endorses or sponsors any linked site, the content of any linked site, or any products sold or services offered by any linked site. Your use of these external websites is at your own risk. Governing Law: Arbitration This Agreement and User’s use of this Website shall be governed and construed according to the laws of the state where we operate from, without regard to choice of law principles. Any civil action, dispute, or proceeding, arising out of or relating to the Agreement and Users use of this Website, except for an injunctive action regarding a breach or threatened breach of any provision of the Agreement by User which shall be brought in our state of operation, shall be referred to final and binding arbitration before a single arbitrator under the commercial arbitration rules of the American Arbitration Association. We and User shall jointly select the arbitrator. If We and the User are unable to find a mutually satisfactory arbitrator within 30 days after the notice of arbitration is given, then the American Arbitration Association shall select the arbitrator. Arbitration will commence only when the party requesting it has deposited $1,000 with the arbitrator for the arbitrator’s fees and costs. Until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs, the party who requested arbitration is responsible for paying all fees that the arbitrator may periodically require. The arbitrator’s final and binding conclusion may be entered in any court of competent jurisdiction. Limitation on Claims You agree that any claim or cause of action arising out of or related to the use of this Website or this Agreement must be filed within one year after such claim or cause of action arose, or it is forever barred and waived, regardless of any statute or law to the contrary. Changes in Agreement We may update Services without notifying User and also may add services, which may be governed by different or additional terms of use. We reserve the right to amend, modify, revise, and restate, at any time, this Agreement, without notice. If User continues to use the Website after the amended terms become effective, User is deemed to have agreed to be bound by the amended terms. If User does not agree to the amended terms, then User agrees not to use the Website. Your continued use of the Website constitutes an affirmative agreement by User to abide and be bound by the Agreement and its amended terms. Severability If for any reason any portion of the Agreement is held to be invalid or unenforceable, that portion will be enforced to the maximum extent permissible and the remainder of the Agreement will remain in full force and effect. Entire Agreement The Agreement sets forth the entire agreement between Us and User regarding the subject matter of the Agreement, and supersedes any prior oral or written statements or agreements with respect to the same. Last Updated: 3/11/21