Effective Date: February 1, 2024
Introduction
Second Street, Inc. is committed to safeguarding your privacy. This Privacy Policy outlines Second Street’s (and its Affiliates’) (collectively, “we,” “our,” or “us”) practices regarding the collection, use, sharing, and protection of your personal information when you access our services, which include our website, application portal, or any other services we provide in connection with our website and application portal (collectively, the “Services”). “Affiliates” refers to companies owned by or under common control with Second Street.
By using our Services, you agree to the practices described in this Privacy Policy.
1. Notice at Collection; Information We Collect
Notice at Collection
We collect and in the past 12 months have collected the following categories of information from and about you: identifiers, personal information described under Cal. Civ. Code 1798.80; protected classifications under California or federal law; commercial information; internet or similar network activity; biometric information; geolocation data; audio, electronic, visual or similar information; professional information; education information; inferences drawn from other personal information; and sensitive personal information. We collect these categories of information from you in order to provide our services to you, to run our business, to communicate with you, and as required by law. We may disclose each of these categories of personal information for a business purpose as described below. We have not “sold” or “shared” personal information in the past 12 months, as those terms are defined by the California Consumer Privacy Act (“CCPA”). We have not “sold” personal information in the past 12 months, as that term is defined by the CCPA. We may have “shared” personal information, including identifiers, commercial information, and internet activity for cross-contextual marketing purposes in the past 12 months. For a description of your privacy rights, and instructions on how to exercise those rights, including how to opt-out of our “sharing” of personal information for cross-contextual marketing purposes, please see the “State Privacy Rights” section below.
We will retain each of these categories of personal information based on several factors, including is reasonably necessary to (i) provide our products and services or administer our relationship with a consumer; (ii) protect our business, employees, organization, and others; (iii) fulfill our legal and regulatory obligations; and (iv) investigate and address issues which may include safety concerns, potential security incidents or policy violations.
Information We Collect
We may collect the following types of information:
1. Personal Information
This information may include:·
. Contact Information: Name, mailing address, phone number, and email address.
· Financial Information: Income, assets, debts, credit history, and other financial data.
· Employment information, such as your employment history.
· Technical Information: information about your interactions with our Services, such as the type of device you use to access the Services, device identifier, IP address, browser type, pages viewed, and referring website
2. Non-Personal Information.
We collect the information directly from you when you use our Services, and in an automated fashion through your browser, cookies, and similar tracking technologies. “Cookies” are small data files that websites store on user devices (computers, mobile applications, etc.) that allow us to collect certain information, such as your browser type, the time you spend on online sites, and the pages you visited.
We may additionally obtain information about you from other sources, includes sources that we rely on to improve our Services, such as service providers, online advertising companies, and our business partners.
2. How We Collect Information
We collect the information directly from you when you use our Services, and in an automated fashion through your browser, cookies, and similar tracking technologies. “Cookies” are small data files that websites store on user devices (computers, mobile applications, etc.) that allow us to collect certain information, such as your browser type, the time you spend on online sites, and the pages you visited.
We may additionally obtain information about you from other sources, includes sources that we rely on to improve our Services, such as service providers, online advertising companies, and our business partners.
3 How We Use Your Information
We use your information for various purposes, including:
3.1 Providing Services
. Processing your loan applications and mortgage requests.
. Verifying your identity and creditworthiness.
. Communicating with you regarding your application or loan approval results.
3.2 Improving Services
. Analyzing user behavior to enhance our website and services.
. Conducting research and analysis to improve our offerings.
3.3 Marketing and Communication
. Sending promotional materials, newsletters, and updates.
. Responding to your inquiries and providing customer support.
3.4 Legal Compliance
. Complying with legal obligations, such as anti-money laundering regulations.
. Enforcing our terms of service and protecting our rights.
4. Information Sharing
We may share your information with our service providers, affiliates, joint marketers, and non-affiliated third parties in accordance with our Privacy Notice.
Our sharing includes sharing with:
4.1 Service Providers
Third-party vendors and service providers who assist us in delivering our Services, such as processing your loan application.
4.2 Business Partners
Local broker partners, lenders, real estate agents, and other non-affiliated third-party partners involved in the loan application process.
4.3 Legal Requirements
When required by law or to protect our rights, property, or safety.
4.4 Affiliates
With our affiliated companies for marketing and operational purposes.
4.5 We might also share information as requested by you, or for any other reason we describe to you.
5. Data Security
The internet is not 100% secure and we cannot promise that your use of our Services will be completely safe. We encourage you to use caution when using the internet. We take commercially reasonable steps to protect your personal information collected through our Services, from unauthorized access, disclosure, alteration, or destruction. We use industry-standard security measures and encryption technologies to safeguard your data. We do not share your personal mobile contact information without your express consent.
6. Your Choices
You have the following choices regarding your information:
6.1 Access and Update
You can access and update your personal information through your account settings.
6.2 Marketing Communications
You can opt out of receiving marketing communications from us by following the instructions provided in the communication and in our Privacy Notice.
6.3 Cookies
Our online services use tracking technologies and features of your Internet browser such as cookies to facilitate the automatic data collection described in Section 2 above. You can manage cookies through your browser settings to require your affirmative acceptance for new cookies, automatically reject cookies, and/or delete or disable existing cookies. How you do so depends on the type of cookie and the browser that you are using. Note that deleting or blocking cookies may impact your experience with our Services, as some features may not be available. Certain options you select are browser and device specific.
7. Children's Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect, share, or disclose personal information from children. If you are under the age of 18, please do not submit any personal information through our website or application portal. If you believe that we have unintentionally collected information from a child, please contact us at hello@mysecondstreet.com to have it deleted.
8. State Privacy Rights
Based on your state of residence, you may have the rights listed below with respect to the personal information that we maintain about you. We may take steps to verify your identity, as permitted or required under applicable law, before we process your request. Verification may include asking you to provide information about yourself that we can match against information already in our possession.
. Notice. This means that you can request that we disclose what personal information we have collected about you, 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 have disclosed personal information, and the specific pieces of personal information we have collected about you.
. Deletion. This means that you can request that we delete personal information about you which we have collected from you.
. Correction. This means that you can request that we correct inaccurate personal information that we maintain about you.
. Limit the Use or Disclosure of Sensitive Personal Information. The California Consumer Privacy Act (“CCPA”) provides a right for consumers to request that business limit the use or disclosure of their “sensitive” personal information.
. Opt-Out of the Sale or Sharing of Personal Information. You may have the right to opt out of the “sale” or sharing of personal information with third parties for cross-contextual marketing purposes. We do not knowingly “sell” or “share” any personal information, including any personal information relating to consumers under the age of 16, as we understand those terms to be defined under applicable law.
Agents that you have authorized to act on your behalf may also submit requests as instructed below. The agent must also provide evidence that they have your written permission to submit a request on your behalf. If we are unable to verify the authenticity of a request, we may ask you for more information or may deny the request.
Individuals who wish to exercise their rights under this section can contact us at the contact information listed in Section 11 below. Please include your name, email address, state of residence, and indicate you are making a “Privacy Rights” request. If we deny your rights request and you would like to appeal, you may contact us in accordance with Section 11.
9. Links to Other Services or Applications
This Privacy Policy applies only to our Services. Our Services may contain links to third-party sites that are not governed by this Privacy Policy. If you click on a link to a third-party site, you will be taken to a site we do not control. We are not responsible for the privacy practices used by third-party sites. We suggest that you read the privacy policies of those sites carefully. Please refer to the Terms and Conditions of Use for more information regarding links to third-party sites.
10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. We will notify you of any significant changes by posting a revised version on our website with a revised “Effective Date.” Any changes to this Privacy Policy will become effective when posted unless indicated otherwise. We encourage you to review this Privacy Policy regularly to stay informed about our information practices and the choices available to you.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:
Second Street, Inc.
200 Spectrum Center Drive, Ste 300
Irvine, CA 92618
hello@mysecondstreet.com
We are committed to addressing your inquiries and concerns promptly. By using our services, you consent to the terms of this Privacy Policy.
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