Bright Mortgage
Respects your privacy
Bright Mortgage Corporation and its subsidiaries
respect your privacy and are committed to protecting it.
Bright Mortgage Corporation provides this Privacy Statement to inform
you of our Privacy Policy and practices and of the choices you can make
about the way your information is collected online and how that information
is used. We've structured our websites so that, in general, you can visit
Bright Mortgage Corporation on the Web without
identifying yourself or revealing any personal information. We make this
notice readily available on our home page and at the bottom of every
Bright Mortgage Corporation Web page. Some
Bright Mortgage Corporation Web pages are P3P-enabled, which allows
you additional control over your personal information.
Bright Mortgage Corporation is a founding sponsor
of the Council of Better Business Bureau's BBBOnLine Privacy Program, the
"gold standard" for privacy certification. Bright
Mortgage Corporation privacy practices meet the
requirements of the Privacy Program and we are proud to display the
BBBOnLine Privacy Seal.
Bright Mortgage Corporation has also
self-certified its privacy practices as consistent with U.S.-E.U. Safe
Harbor principles: Notice, Choice, Onward Transfer, Access and Accuracy,
Security, and Oversight/Enforcement. More information about the U.S.
Department of Commerce Safe Harbor Program can be found at http://www.export.gov/safeharbor/.
Sites covered by this privacy statement
Types of information we collect
Children's privacy
How we use your information
Who we share your information with
Your choices
Your privacy preferences and opting out
Your information and third-party companies
Access to and accuracy of your information
Keeping your information secure
Changes to this Statement
Contacting us
How Bright Mortgage Corporation uses cookies and
Web beacons on brightmortgage.com and in
third-party ads:
Cookies
Web beacons
Third-party media companies
1. Sites covered by this Privacy Statement
This Privacy Statement applies to all brightmortgage.com-owned
websites and domains, and our wholly owned subsidiaries ("Bright
Mortgage Corporation websites.")
Links to non-Bright Mortgage websites
The Bright Mortgage Corporation
websites may provide links to third-party websites for your convenience and
information. If you access those links, you will leave the
Bright Mortgage Corporation website.
Bright Mortgage Corporation does not control those
sites or their privacy practices, which may differ from
Bright Mortgage Corporation's. We do not endorse or make any
representations about third-party websites. The personal data you choose to
give to unrelated third parties is not covered by the
Bright Mortgage Corporation Privacy Statement. We encourage you to
review the privacy policy of any company before submitting your personal
information. Some third-party companies may choose to share their personal
data with Bright Mortgage Corporation; that
sharing is governed by that third-party company's privacy policy.
2. Types of information we collect
This Privacy Statement covers personal information, non-personal data
collection and aggregate reporting.
Personal information
is information that is associated with your name or personal identity.
Bright Mortgage Corporation uses personal
information to understand better your needs and interests and to provide you
with better service. Once you choose to provide us with personal
information, you can be assured it will be used only to support your
customer relationship with Bright Mortgage Corporation.
We take seriously the trust you place in us. Bright
Mortgage Corporation will not sell, rent or lease your personal
information to others.
On some Bright Mortgage Corporation websites, you
can order products or services, apply for instant credit, request
information, subscribe to marketing or support materials, register yourself
or your Bright Mortgage Corporation products, or
apply for a job at Bright Mortgage Corporation.
The types of personal information you provide to us on these pages may
include name, address, phone number, e-mail address, user IDs and passwords,
billing and transaction information, credit card information, contact
preferences, educational and employment background, and job interest data.
If you apply for instant credit, we will ask you to provide additional
information such as salary, social security number and banking information.
This information will be used by our financial services providers in
determining whether to extend you credit.
To personalize our websites, services or communications and improve our
products and services, we may also ask you to provide us with information
regarding your personal or professional interests, demographics, and
experiences with our products or services. Providing this additional
information is optional.
Non-personal information
is data about usage and service operation that is not associated with a
specific personal identity. Bright Mortgage Corporation
collects and analyzes non-personal information to evaluate how visitors use
the Bright Mortgage Corporation websites.
Non-personal data we collect may include the pages visited on the
Bright Mortgage Corporation websites, unique URLs1
visited within brightmortgage.com, browser type
and IP2 address. Most non-personal data is collected via cookies or other
analysis technologies. brightmortgage.com Web
pages use cookies, Web beacons and other technologies for data analysis and
personalization services. Bright Mortgage Corporation
also places ads on other websites that may use cookies. To learn more, read
Bright Mortgage Corporation use of cookies and Web
beacons.
3. Children's privacy
Bright Mortgage Corporation is committed to
protecting the privacy needs of children and we encourage parents and
guardians to take an active role in their children's online activities and
interests. Bright Mortgage Corporation does not
knowingly collect information from children under the age of 13 and
Bright Mortgage Corporation does not target its
websites to children under 13.
4. How we use your information
Bright Mortgage Corporation uses your personal
information to provide you with services and to help us better understand
your needs and interests. Specifically, we use your information to help you
complete a transaction or order, to communicate with you, to provide service
and support, to update you on services and benefits, to personalize
promotional offers and to personalize some Bright
Mortgage Corporation websites. Occasionally we may also use your
information to contact you for market research regarding
Bright Mortgage Corporation products or services. We will give you
the opportunity to choose your privacy preferences regarding such
communications (see section 7, "Your privacy preferences and opting out").
Credit card information is used only for payment processing and fraud
prevention. Sensitive personal information is collected only to facilitate
our financial service providers' credit decisions and will be shared with
them only with your permission. Credit card information and sensitive
personal data are not used for any other purpose by our financial services
providers or Bright Mortgage Corporation and will
not be kept longer than necessary for providing the services, unless you ask
us to retain your credit card information for future purchases.
Personal data collected online may also be combined with information you
provide Bright Mortgage Corporation through other
sources such as product registration, call centers or public events such as
trade shows or seminars.
Personal data given to Bright Mortgage Corporation
may be transferred across state and country borders for the purposes of
data consolidation, storage and simplified customer information management.
Non-personal data is aggregated for reporting about
Bright Mortgage Corporation website usability, performance and
effectiveness. It is used to improve the customer experience, usability and
site content.
5. Who we share your information with
Bright Mortgage Corporation will not sell, rent or
lease your personal information to others. Bright
Mortgage Corporation will not share your personal information with
third parties except in responding to your requests for products or
services. Your permission will be requested when you submit your
information. Bright Mortgage Corporation shares
customer information across Bright Mortgage Corporation-owned
business entities and companies working on our behalf, but only as described
above in "How we use your information."
Bright Mortgage Corporation contracts with
third-party service providers and suppliers to deliver complete products,
services and customer solutions described in "How we use your information."
Suppliers and service providers are required to keep confidential the
information received on behalf of Bright Mortgage
Corporation and may not use it for any purpose other than to carry
out the services they are performing for Bright Mortgage
Corporation. These service providers may change or we may contract
with additional service providers to better accommodate our customers.
Bright Mortgage Corporation will not share
personal information with any other third parties without your permission,
unless required by law enforcement action, subpoena, or local law.
Bright Mortgage Corporation or its related
entities could merge with or be acquired by another business entity or some
or all of their respective assets could be acquired. If such a combination
or acquisition occurs, Bright Mortgage Corporation
will make every reasonable effort to notify you in the event we share with
the merging or acquiring entity some or all of your personal information to
continue serving you.
6. Your choices
Bright Mortgage Corporation gives you the choice
of receiving a variety of information that complements our products and
services. You can subscribe to receive certain product- and service-specific
information and Bright Mortgage Corporation-wide
marketing communications. Bright Mortgage Corporation-wide
communications may include new product information, special offers, or an
invitation to participate in market research. We give you a choice regarding
delivery of Bright Mortgage Corporation-wide
communications by postal mail, e-mail and telephone. You can make or change
your choices at the data collection point or through
Bright Mortgage Corporation Passport (Bright
Mortgage Corporation's proprietary online customer registration tool,
available only in the United States). Please refer to section 7 for further
instructions. We will make every effort to honor your preferences. This
option does not apply to communications for the purpose of administering
order completion, contracts, support, product safety warnings or driver
updates.
7. Your privacy preferences and opting out
Non-subscription services
Bright Mortgage Corporation will not use your
personal information for a different purpose than the one stated when you
provided your data. Examples of unrelated uses include sending
communications about special offers, product information, and marketing
messages. You can, however, choose to receive these types of
non-subscription communications by following the instructions below.
You can make your choice regarding these communications by using
Bright Mortgage Corporation Passport to set your
privacy preferences, which are applicable across all
Bright Mortgage Corporation websites.
Subscription services
To opt-out of receiving communications you have expressly requested (such as
e-mail newsletters, software updates, etc.), use any of the following
methods:
Select the e-mail "opt-out" or "unsubscribe" link, or follow the opt-out
instructions included in each subscription communication
Return to the Web page(s) where you originally registered your preferences
and follow the opt-out instructions
Write to the Bright Mortgage Corporation Privacy
Office - be sure to provide your name, e-mail and postal address, and
relevant information about your Bright Mortgage
Corporation subscriptions and registrations
8. Your information and third-party companies
Certain Bright Mortgage Corporation services are
linked with those from unrelated third-party companies, some which offer you
the option to share with both Bright Mortgage Corporation
and the third party personal data you provide. Examples include the ability
to register software products from multiple vendors from a single
Bright Mortgage Corporation Web page, to request
communications from Bright Mortgage Corporation
marketing or solution partners, or to enable order completion through a
reseller. We will not share your personal information with those third-party
companies unless you make that choice.
9. Access to and accuracy of your information
Bright Mortgage Corporation strives to keep your
personal information accurate. We have implemented technology, management
processes and policies to maintain customer data accuracy.
10. Keeping your information secure
Bright Mortgage Corporation is committed to
protecting the information you provide us. To prevent unauthorized access or
disclosure, to maintain data accuracy, and to ensure the appropriate use of
the information, Bright Mortgage Corporation has
in place appropriate physical and managerial procedures to safeguard the
information we collect.
We use Secure Sockets Layer (SSL) encryption when collecting or transferring
sensitive data such as credit card information. SSL encryption is designed
to make the information unreadable by anyone but us. This security measure
is working when you see either the symbol of an unbroken key or closed lock
(depending on your browser) on the bottom of your browser window.
Credit card numbers are used only for processing payment and are not used
for other purposes. As part of real-time payment processing,
11. Changes to this Statement
If there are updates to the terms of Bright Mortgage
Corporation's Online Privacy Statement, we will post those changes
and update the revision date in this document, so you will always know what
information we collect online, how we use it, and what choices you have. For
material changes to this Statement, Bright Mortgage
Corporation will provide notification to affected customers.
12. Contacting us
We value your opinions. If you have comments or questions about our privacy
policy, please send them to the Bright Mortgage
Corporation Privacy Office or write to us at the following address:
Bright Mortgage Corporation Privacy Mailbox
9500 Forest Lane
Suite 407
Dallas, Texas 75243 |
