PRIVACY POLICY

 

Last updated March 14, 2023

This is the privacy notice for DownPaymentAngel.com.

DownPaymentAngel.com is not affiliated with any Multiple Listing Service or any other company.

 

DownPaymentAngel.com is not a lender.

 

DownPaymentAngel.com provides traditional and digital marketing services to real estate agents.

 We never collect, store, use, and/or share (“process”) your information

when you use our services (“Services”), such as when you:

Visit our website at DownPaymentAngel.com, or any website of ours that links tothis privacy notice

Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns?

Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice.

What personal information do we process?

When you visit, use, or navigate ourServices, we may process personal information depending on how you interact withDownPaymentAngel.com and the Services, the choices you make, and the products andfeatures you use.

Do we process any sensitive personal information?

We do not process sensitivepersonal information.

Do we receive any information from third parties?

We do not receive anyinformation from third parties.

How do we process your information?

We process your information to provide,improve, and administer our Services, communicate with you, for security and fraudprevention, and to comply with law. We may also process your information for sales, recruitment, and customer service with your consent. We process your information only when we have a validlegal reason to do so.

In what situations and with which parties do we share personal information?

We never share your personal information including any credit card or banking information if you are a member.

What are your rights?

Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us. In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate by enrolling for membership in the SUPERSYSTEM or other activities on the Services, or otherwise when you contact us.

Sensitive Information.

We do not process sensitive information other than your credit card or banking information, that you voluntarily gave us, if you are a member.

Since we are creating multiple websites and other marketing services for you, all personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

HOW LONG DO WE KEEP YOUR INFORMATION?

In Short : We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law. We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). When we have no ongoing legitimate business need to process your personal information, including credit card and/or banking information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

MEMBERSHIP RESPONSIBILITIES

All members hand-sign (we offer no online enrollment and never process any credit cards through this website) a written contract to enroll for the SUPERSYSTEM® after participating in our sales rep’s presentation at the real estate office. There are no cancellations, whatsoever, after 3 days. There are no prorated refunds. Extensive work is done to customize the 52 websites and numerous other marketing materials and lead call capture for the member.

That written contracts binds members to pay all installments for the membership, as indicated on the written contract. That written contract binds members to at least a one year membership.Members are hand-given a hard copy of the written contract at the time of enrollment at the real estate office.

If a member does not wish to continue his/her membership after 1 year, that member must email us at least 10 days before the end of that first year to avoid dues for the upcoming month. Starting with the 2nd year all membership dues will be monthly. Members may cancel his/her membership at anytime after the start of the 2nd year by emailing us.

CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short : Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information. California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. But to repeat our earlier statement,

DownPaymentAngel.com never collects or discloses any of our member’s personal, credit card, or banking information to anyone. Period.

However, if you are a California resident and would still like to make such a request, please submit your request in writing to us using the contact information provided on this website.

You have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).

California Residents

This section provides California residents with additional information regarding our collection, use and disclosure of their personal information, as well as their privacy rights, under California privacy laws.

In this section, we provide additional information to California residents about how we handle their personal information, as required by the California Consumer Privacy Act (“CCPA”). This section does not address or apply to our handling of personal information that is exempt under the CCPA.

Categories of personal information that we collect and disclose. 

Our collection, use and disclosure of personal information about a California resident will vary depending upon the circumstances and nature of our interactions or relationship with such resident.  Below we describe the categories of personal information we may collect about California residents (including the categories of personal information that we have collected about California residents in the past 12 months):

• Identifiers: includes direct identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
• Customer records: paper and electronic customer records containing personal information, which you provide to us in order to access or use our Services, such as name, digital signature, address, telephone number, email and other contact information, government identifiers, financial and payment information.
• Characteristics of protected classifications: such as disability and health information (e.g., which we may collect in order to, for example, make accommodations available to you at events we host).
• Commercial information: including records of real property, products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.
• Usage data: internet or other electronic network activity Information including without limitation browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.
• Location data: location information about a particular individual or device.
• Audio, Video and other Electronic Data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage and thermal screenings (e.g., collected from visitors to our offices), photographs, and call recordings.
• Employment history: professional or employment-related information.
• Education information: education history and background.
• Profiles and inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.
• Sensitive personal information: in limited circumstances, we may collect certain information considered to be sensitive personal information under the CCPA, including Social Security number and tax ID; driver’s license, state identification card, passport number, or other government identifier; financial account number and payment card data; and geolocation data.

Rights of California Residents. In general, California residents have the following rights under the CCPA:

California residents’ rights.  Under the CCPA, California residents have the following rights (subject to certain limitations) with respect to the personal information we collect and maintain about them:

• Opt out of sales and sharing: to opt-out of our sale and sharing of their personal information.
• Limit uses and disclosures of sensitive personal information: to limit certain uses or disclosures of sensitive personal information to those uses authorized by the CCPA.
• Deletion: to request deletion of their personal information, subject to certain exceptions.
• To know/access: to know what personal information we have collected about them, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information we have collected about them.
• Correction: to request correction of inaccurate personal information.
• Non-discrimination: not to be subject to discriminatory treatment for exercising their rights under the CCPA.

Submitting CCPA Requests.  California residents may exercise their CCPA privacy rights to know/access, delate, correct, and limit use/disclosure of sensitive personal information by submitting a verifiable request to us via our website form.

Categories of third parties.  Below we describe the third parties to whom we may (if any) disclose each category of personal information for a business or commercial purpose:

• Identifiers:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • advertising networks
  • data analytics providers
  • social networks
  • operating systems and platforms
• Customer records:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • operating systems and platforms
• Characteristics of protected classifications:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
• Commercial information:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • data analytics providers
  • social networks
  • operating systems and platforms
• Usage data:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • advertising networks
  • data analytics providers
  • social networks
  • operating systems and platforms
• Location data:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • operating systems and platforms
• Audio, video and other electronic data:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
• Employment History:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
• Education information:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
• Profiles and inferences:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals
  • advertising networks
  • data analytics providers
  • social networks
• Sensitive personal information:
  • service providers
  • advisors and agents
  • government entities and law enforcement
  • affiliates and subsidiaries
  • real estate professionals

In addition, we may disclose any of the categories of personal information we collect about you to other third parties as directed by or consented to by you, or where necessary to fulfill your specific requests.

Sources of Personal Information. We may collect personal information from the following sources:

• Directly from the individual
• Real estate professionals, including brokers and independent agents of Anywhere brands
• Property records, public records and other publicly available sources
• Advertising networks
• Data analytics providers
• Social networks
• Government entities
• Data brokers
• Affiliate and subsidiary companies
• Service providers

Purposes of Collection, Use and Disclosure. As described in more detail in Section 3. Use of Personal Information and Section 4. Disclosures of Personal Information, we collect, use, disclose and otherwise process personal information (including sensitive personal information) for the following business or commercial purposes or as otherwise directed or consented to by you:

• Providing support and services
• Analyzing and improving our business
• Personalizing content and experiences
• Advertising, marketing and promotional purposes
• Securing and protecting our business
• Defending our legal rights
• Planning and facilitating business transactions
• Auditing, reporting, corporate governance, and internal operations
• Complying with legal obligations

 

DO VIRGINIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short : Yes, if you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information Virginia CDPA Privacy Notice Under the Virginia Consumer Data Protection Act (CDPA) : “Consumer” means a natural person who is a resident of the Commonwealth acting only in an individual or household context. It does not include a natural person acting in a commercial or employment context. “Personal data” means any information that is linked or reasonably linkable to an identified or identifiable natural person. “Personal data” does not include de-identified data or publicly available information. “Sale of personal data” means the exchange of personal data for monetary consideration. If this definition “consumer” applies to you, we must adhere to certain rights and obligations regarding your personal data. The information we collect, use, and disclose about you will vary depending on how you interact with DownPaymentAngel.com and our Services.

Residents of Other U.S. States

Residents of certain U.S. states (including Virginia) may have additional rights under applicable privacy laws, subject to certain limitations. These rights may include:

• Correction: to correct inaccuracies in their personal information, taking into account the nature and purposes of the processing of the personal information.
• Deletion: to delete their personal information provided to or obtained by us.
• Access: to confirm whether we are processing their personal information and to obtain a copy of their personal information in a portable and, to the extent technically feasible, readily usable format.
• Opt-Out: to opt out of certain types of processing, including:
  • to opt out of the “sale” of their personal information.
  • to opt out of targeted advertising by us.
  • to opt out of any processing of personal information for purposes of making decisions that produce legal or similarly significant effects.

You may submit a request to exercise your privacy rights via:

When and with whom we share your personal data

Your rights with respect to your personal data.

 

Right to be informed whether or not we are processing your personal data Right to access your personal data Right to correct inaccuracies in your personal data Right to request deletion of your personal data. Right to obtain a copy of the personal data you previously shared with us ” ■ Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (“profiling”).DownPaymentAngel.com has not sold any personal data to third parties for business or commercial purposes. DownPaymentAngel.com will not sell personal data in the future belonging to website visitors, users, members, and other consumers. Exercise your rights provided under the Virginia CDPA More information about our data collection and sharing practices can be found in this privacy notice. You may contact us by using the form on this website. If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Verification process

We may request that you provide additional information reasonably necessary to verify you and your consumer’s request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request. Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension. Right to appeal If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please use the contact form on this website. Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal if denied, you may contact the Attorney General to submit a complaint.

DownPaymentAngel.com is not affiliated with any Multiple Listing Service or any other company.

COOKIES, TRACKING, AND ANALYTICS

Our Services may use first party and third-party cookies, pixel tags, plugins, and other tools to gather device, usage and browsing information when users visit our Services. For instance, when you visit our Services, our server may record your IP address (and associated location information) and other information such as the type of your internet browser, your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, and the pages you view and links you select on the Services, as well as date and time stamps associated with your usage of and activities on our Services.

We use the information for security purposes, to facilitate navigation, to improve, analyze and optimize our Services and their functionality, to personalize and improve your experience while using the Services, to improve and measure our advertising campaigns, and to better reach users with relevant advertising both on our Services and on third party websites.

Click “Cookie Preferences” link in the footer of our Website for more information about cookies on that Website, and to review and update your preferences for most types of cookies (other than those that are necessary to the functionality of that Website).

Cookies.  Cookies are small text files that a website transfers to your hard drive to store and sometimes collect information about your usage of websites, such as time spent on the websites, pages visited, language preferences, and other anonymous traffic data. You can control the way in which cookies are used by altering your browser settings. You may refuse to accept cookies by activating the setting on your browser that allows you to reject cookies. However, if you select such a setting, this may affect the functioning of our Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access or log on to our Service.

If you have disabled one or more cookies, we may still use information collected from cookies before your disabled preference was set. However, we will stop using the disabled cookie to collect any further information.

Pixel tags and other similar technologies. Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Websites to, among other things, track the actions of users of the Websites (including email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Websites and response rates. We and our service providers may also use pixel tags in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, track whether our emails are forwarded, and conduct analytics.

Log files. Most browsers collect certain information, such as your IP address, device type, screen resolution, operating system version and internet browser type and version. This information is gathered automatically and stored in log files.

Third party analytics tools. Our Websites use automated devices and applications operated by third parties, such as Google Analytics, which uses cookies and similar technologies to collect and analyze information about use of the Websites and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices and opt-out of collection of your browsing data by Google Analytics at https://tools.google.com/dlpage/gaoptout.

SOCIAL FEATURES AND THIRD-PARTY PLUG INS

The Services may integrate with social sharing features and other related tools which let you log in to the Services or share actions you take on the Services. Your use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the social sharing service. Please refer to the privacy policies of those social sharing services for more information about how they handle the data you provide to or share through them.

 

SECURITY 

We use technical, administrative, and physical controls in place to help protect personal information from unauthorized access, use, and disclosure. Even so, despite our efforts, no security measure is ever perfect or impenetrable. In the event that the security of your account has been compromised, please immediately notify us.

DO WE MAKE UPDATES TO THIS NOTICE?

In Short : Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

Use the contact form on this website.

HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

You have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please use the contact form on this website.