Last Updated May 3rd. 2018
We may collect information from you when you visit our website, fill out a form on our website, subscribe to any newsletters or blogs we may offer, and of course, when you complete our application form. We may use this information in any one or more of the following ways:
1. To improve customer service, as your information helps us to more effectively respond to your service requests and support needs.
2. To process transactions for you (i.e., prequalification for loans) or help your online activities.
3. To send periodic emails that may contain information about Owning, the products and services we offer, and other information that you may find useful. The emails may also be used to send you information and updates about your loan transaction.
4. To assist you in locating other companies capable of delivering products, services or information in which you may have an interest. The information we may collect could consist of any of the following:
INFORMATION YOU DIRECTLY ENTER ON OUR WEBSITE
This could consist of your name, email address, mailing address or a phone number that you enter on our website. (Of course, you are free to visit our website without entering any of that information.) In connection with a loan application or transaction, you might enter additional information, which could include your social security number, your financial information, email addresses and phone numbers, etc.
Like many other web sites, Owning’s website makes use of log files. These files merely log visitors to the site — usually a standard procedure for hosting companies and a part of hosting service’s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
COOKIES AND WEB BEACONS
We also may collect your personal information from others, such as credit bureaus, affiliates, or other companies. We and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with the site (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with us. The Usage Information may include, but is not limited to, your browser type, operating system, software version, Internet Protocol (“IP”) address or other unique identifier for your Device, Device location and other Device characteristics. Various methods and technologies to store or collect Usage Information may be used such as cookies and web beacons (also see above section on cookies and web beacons). You may adjust your browser or operating system settings to limit this tracking or to decline cookies, but by doing so, you may not be able to use certain features on the company site or take full advantage of all of our offerings. Check the “Help” menu of your browser or operating system to learn how to adjust your tracking settings or cookie preferences. Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.
OUR ADVERTISING PARTNERS
OTHER THIRD PARTY SERVICE PROVIDERS
PERSONAL FINANCIAL INFORMATION
Any personal financial information you share with us (e.g., social security numbers, financial information, and credit card numbers) will be saved, if at all, on a secured website and/or server. This information will only be available to our employees and affiliates, persons or entities providing services in connection with your loan that have a need to know the information, entities that may acquire or service your loan, or our attorneys, accountants and auditors, all of whom agree to and are bound to keep your information secure and confidential. We may also provide your personal financial information to government agencies to fulfill legal, reporting and regulatory requirements, or in response to government authorized requests for information (like subpoenas or civil investigative demands).
OTHER NON-PUBLIC INFORMATION
We may share some of the non-public information we collect about you with third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also release your non-public information when we believe the release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
DO NOT TRACK DISCLOSURES
Owning does not track its customers over time and across third party websites, and therefore does not respond to Do Not Track (DNT) signals. However, Owning may use third-party services or have third-party advertising partners who may keep track of your browsing activities.
Other important information for California residents.
If you are a California resident, you have the right to receive:
1. Information identifying any third party company(ies) to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company's provision of services or marketing purposes; and
2. A description of the categories of personal information disclosed.
To obtain such information you must make a request in writing. Your request must include your name registration (email address), the site name you visited and a return address or it will not be processed. We will not honor such requests more than once per calendar year. Requests made via email will not be accepted. Please mail your request to the address listed below:
One City Blvd West, Suite 1500
Orange, CA 92868