At UNMO, we are streamlining and transforming the mortgage, home loan process to empower individuals to realize their dreams of homeownership in a seamless and concise manner. We are committed to protecting the privacy of those who visit or use our tools. As we collect information from you, you must know exactly how we are using that information. In an effort to demonstrate our full transparency and commitment to you, we have adopted the following privacy policy.By using our tools, you are consenting to the use of information and agreeing to these guidelines and the other UNMO policies described on our application.UNMO does not share your personal information with outside companies for their promotional use without your consent.Due to the nature of our business, we do not in any way attempt to solicit information from anyone under the age of 18 years.Data Collection And Data SharingThese are the various types of data we might collect about you:-Identifiers-Any personal data described in the Illinois Consumer Privacy Act-Characteristics of protected classifications under Illinois or federal law-Commercial data-Biometric data-Internet or other electronic network activity data-Geolocation data-Sensory data-Professional or employment data-Education data-Inferences drawn from any of the data used to create a customer profilePlease be advised that UNMO might share your data with third parties for business purposes or for any of these reasons:-Auditing-Detecting fraud-Debugging-Providing services-Internal research-Quality controlWith your consent, we might share your personal data with third parties, including our affiliates, mortgage partners and service providers, for these reasons:-Business purposes-Marketing-Analytics-Pre-populating your information to make your UNMO experience easierTo opt out of sharing your data, please contact us.Sale Of DataWe don’t sell your data.Your Privacy RightsIf you’d like to review, access, revise or delete personal data we’ve collected about you, please contact us.Right To KnowYou have a right to know what personal data we have collected about you, what data we’ve sold, who we’ve sold your data to, and what data we’ve shared for business purposes. To exercise this right, please contact us.Right To AccessYou have the right to see what specific pieces of data we have about you, and to get this data in a portable and easily accessible format. To exercise this right, please contact us.Right To DeleteYou have the right to request that we delete your data. We’re legally required to keep some data about you, but we’ll delete everything we can. Keep in mind that we might reacquire some of your data if we purchase data from a third party. To exercise this right, please contact us.Device Co-Op Privacy ControlUNMO participates in a device co-op to better understand how you use our website and apps across all the devices you use. This helps us deliver experiences that are tailored for you. You can learn more about this device co-op or opt out of participating in it.How To Contact Us About Your DataBy Phone Call (888) 738-6664By Mail, Write to this address:Unmortage, LLC, 1401 North Wells Street, Chicago, IL 60610.Please include your phone number when contacting us by mail. Otherwise, we cannot fulfill your request.UNMO Media Advertising GuidelinesUNMO strives to ensure transparency and ensure customer trust. Therefore, we have adopted these additional privacy guidelines to allow up to promote and realize our policies.We, at UNMO, do not make decisions based upon political affiliations or in support of, or against, any political or religious group. We firmly believe in the right of free speech, however, we also believe we have an obligation to ensure our advertising does not appear in content that is detrimental to our brand values. We will not advertise within programs that consistently exploit excessive or gratuitous violence or sexuality, which demean or denigrate any religion, race, sex or which are otherwise lacking in good taste.Should our advertising appear within programming content that violates these guidelines we will review the content in question and make decisions about the appropriateness of that program for future consideration.Our Philosophy And PracticesAt UNMO, we want you to be comfortable and confident when using our application. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our application:-We provide you notice of our application information practices.-We tell you how and why we use application technologies.-We give you choices about how the personally identifiable information that you provide to us may be used.-We provide you the opportunity to update or correct your personally identifiable information.-We work to protect personally identifiable information from loss, misuse, or unauthorized alteration.-We provide various ways for you to contact us about our information practices and other aspects of privacy.We Provide You Notice Of Our Application Information PracticesTo maximize the value of our services, we may request information from you when you visit our applications. UNMO does not share your personal information with outside companies for their promotional use.Here is a description of the information we collect and how it is used:Protecting Your Identity And CreditCredit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive Email or phone calls that you didn’t ask for, offering credit cards, refinancing or other loan products.You can stop these calls and Emails by opting out of these pre-screened credit offers. Simply call (800) 738-6664.Tools, Applications And Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.However, if you want to exercise one or more of the loan options presented, we will ask you to register at the UNMO site and supply other identifying and supporting information needed to process your application.By registering, you can save your information for later review and update. When you register, you select a member ID name by which we will know you, choose a password and provide us an Email address. You use the member ID name and password to gain access to your loan application information, financial profile and/or customized rates. We use your contact information to provide you with alerts and updates regarding your loan status, which is part of the UNMO service. UNMO does not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by UNMO. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an Email to: [email protected]. You may also visit our website to modify/change your contact preferences at www.unmo.com.We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.-Credit Report: By submitting a loan application or a request to be pre-qualified, you authorize UNMO to share your credit report with our affiliates only to process your loan application.-Newsletters: We provide you the opportunity to subscribe to Email newsletters and other Email communications. You may unsubscribe by following the instructions provided in each Email newsletter.-Interactive Help (Chat/PC To Phone): You may initiate an online interactive discussion or PC to Phone communication with an UNMO support professional to facilitate the completion of your loan application. We do not ask for any personally identifiable information to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request. We maintain transcripts of chat sessions.More On Our General Information PracticesContests, Sweepstakes, And SurveysFrom time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.Mandatory And Optional InformationWe identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our application, we may collect information that my include your name, address, social security number, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to UNMO obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on the UNMO applications and use that information as described in this policy.Service ProvidersIn some cases, we will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our application technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.Service Alerts And Critical NoticesAlthough we respect the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.Change Of ControlYour personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of UNMO. You will have the opportunity to opt out of further secondary use of your information following any change of control.Changes To Our Privacy PolicyIf we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we’ll post those changes to the UNMO application 30 days before they take effect.Legal DisclosuresIn some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.We Work Hard To Protect Your Data From Loss, Misuse and Unauthorized ChangesUNMO uses best-in-class security safeguards to protect your data. We secure all data that’s sent to UNMO to protect it from loss, misuse and unauthorized changes. We protect your data using industry-standard security products and protocols, as well as carefully developed security procedures. Our security measures are reviewed on a regular basis by both our internal team members and outside security specialists.We also hold our team members responsible for keeping your data safe. Here are some ways we do that:-We require all team members to take regular training and sign a written statement acknowledging their compliance with our security protocols.-We enforce strict password protocols.-We require strict authentication and authorization for team members to use, view or change information.We Tell You How And Why We Use Web TechnologiesHere is how and why we use some common Web technologies to help manage our websites:Behavioral AdvertisingPlease be aware that we use third party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.Website Usage DataOur website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an Email to [email protected].Social Media And Third-Party Website Security And Privacy PoliciesUNMO currently has presence on social media to connect with and market to the public, UNMO customers, and potential customers of the UNMO’ family. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at UNMO through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.Browser “Do Not Track” And Other SettingsYou may be using an Internet browser that has the ability to communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, the UNMO websites do not respond to any of these signals. UNMO may track your activity on these websites and use that information as provided in this policy.
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We Give You Choices About How The Personally Identifiable Information That You Provide To Us May Be UsedWe give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about UNMO products. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call toll-free at (800) 738-6664 or send an Email to [email protected].Top of pageWe Provide You The Opportunity To Update Or Correct Your Personally Identifiable InformationWe provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting our mortgage hotline at (800) 738-6664 or emailing us at [email protected].UNMO recommends that you do not use email communications to send us sensitive personal information. If you need to change that personal information, we recommend that you call us directly.Top of pageWe Provide Various Ways For You To Contact Us About Our Information Practices And Other Aspects Of PrivacyQuestions regarding the UNMO application’s privacy statement, our online privacy policy, our information practices or other aspects of privacy on our applications, should be directed to us by Email to [email protected] or by writing to us at Unmortgage, LLC, Attn: Client Relations, Unmortgage, LLC, 1401 North Wells Street, Chicago, IL 60610. Furthermore, you may call our mortgage hotline at (800) 738-6664.Top of page
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