This Privacy Policy governs the manner in which Cox Home Loans collects, uses, maintains and discloses information collected from users (each, a "User") of the http://www.coxhomeloans.com website ("Site"). This privacy policy applies to the Site and all products and services offered by Cox Home Loans.
We recognize the responsibility we are endowed with when you place your trust in us, and consider it a priority and duty to take every measure to protect your privacy to the best of our ability. When we collect personal information from you, whether on the site, via email, text, or otherwise, we make every effort to provide clear and concise information about how your information will be used, and why it is being collected. By using this site, you are agreeing to the terms and conditions presented here, and elsewhere on the site.
Our goal at Cox Home Loans is to help families and individuals enjoy the process of obtaining a home loan, and part of that mission is respecting the privacy of our clients. We take every available precaution to protect the personal and private details of our transactions with clients, and to prevent unauthorized third parties from accessing information obtained by our employees, online forms, text conversations, and otherwise. Your information is never shared with any outside company for use in their promotions without your explicit consent.
Children under the age of 18 are in no way solicited to receive promotional information or advertising from Cox Home Loans regarding financial matters, and none of our advertising, web services, education, or other marketing materials are designed to attract that demographic.
We never knowingly collect or solicit information from individuals under the age of 18, or attempt to enter into financial transactions with them.
What type of information do we collect?
Your actions and interactions with our website, forms, email, and chatbots determine the type of information we collect when you browse. You are only identified by information you provide, and otherwise present either implicitly or explicitly while visiting the website.
Information such as your Internet Protocol (IP) address, location, domain name, systems configurations and settings, and online browsing activities are collected regardless of whether or not you visit the website anonymously. Our systems analytics collect this information, and browsing behavior, such as which pages you visit, how long you stay, and technical details about your online operating systems and computer hardware. We use this information internally to inform our marketing and IT departments to maintain the health of the site, and help us continually improve your experience while browsing the Cox Home Loans website.
Your individual personal details are not revealed in our systems analytics unless you explicitly provide that information on a form, chat, text, or other interaction, and Cox Home Loans uses this information for business purposes, which might include presenting you with offers for service or continuing education on financial and mortgage matters, measuring market trends and analyzing activities for ongoing market research, or activities confined within the applicable legal parameters for the mortgage and financial industry.
Personal Identification Information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site related activities.
Non-Personal Identification Information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Children's Online Privacy "COPPA" Information
The following explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information:
We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will immediately delete such information from our records. If we change our collection practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. If at any time we establish or begin providing services on any website that in anyway meets the criteria of COPPA we will ensure that full compliance is met in every aspect of COPPA
Due to the fact we do NOT collect any personally identifiable information from children under the age of 13 we also do NOT knowingly distribute such information to any third parties.
We do NOT knowingly allow children under the age of 13 to become customers, or otherwise distribute personally identifiable contact information.
Due to the fact we do NOT collect any personally identifiable information from children under the age of 13, we do NOT condition the participation in any online activities of a child under the age of 13 on providing personally identifiable information. However, even as outlined above we do NOT knowingly allow children under the age of 13 to access and use Cox Home Loans in general.
Protection of your Identity and Credit Information
When you are applying for a home loan you are entering into interactions with credit reporting agencies who may choose to share your personal information and details with other entities/companies. As a result, you might receive emails or other correspondence you weren’t anticipating, and didn’t request. Other offers to refinance, or obtain a similar loan would be an example of this. Stopping these attempts is easy, and you can opt out of the offers by calling (888) 567-8688 or going to the ads, refinancing or other loan products.
You can stop these calls and Emails by opting out of these prescreened credit offers. Simply call (888) 567-8688 or visiting the Consumer Credit Reporting Industry’s website www.optoutprescreen.com and request to opt out of contact.
Web Browser Cookies
Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
Third party apps and service provider cookies might be included in these, and you help us learn how to better serve you. We comply with any request to opt out of cookie tracking and you can choose to install an additional opt-out browser extension if you wish. Adding this measure would still allow you to navigate freely through our website. An example of such a tool can be found at The Google Analytics Opt-out Browser Ad-on may be downloaded at https://tools.google.com/dlpage/gaoptout.
How we use collected information
Cox Home Loans may collect and use Users personal information for the following purposes:
- To improve customer service. Information you provide helps us respond to your customer service requests and support needs more efficiently.
- To personalize user experience, we may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
- To improve our Site We may use feedback you provide to improve our products and services.
- To share your information with third parties. We may share or sell information with third parties for marketing or other purposes.
- To run a promotion, contest, survey or other Site feature. To send Users information they agreed to receive about topics we think will be of interest to them.
- To send periodic emails. We may use the email address to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.
How We Protect Your Information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sharing Your Personal Information
We may use third party service providers to help us operate our business and the Site may administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
Third Party Websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.
This Website Uses Google AdWords
This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the Cox Home Loans website. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy. You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
This Website Uses Facebook Ads
This website uses the Facebook retargeting service to advertise on Facebook and its partner websites and applications to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the visitor's Facebook newsfeed, on Instagram, or a third-party application. Third-party vendors, including Facebook, use cookies to serve ads based on someone’s past visits to the Cox Home Loans website. Of course, any data collected will be used in accordance with our own privacy policy and Facebook’s privacy policy. You can set preferences for how Facebook advertises to you using the Facebook Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
Changes To This Privacy Policy
Cox Home Loans has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your Acceptance Of These Terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting Us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
Cox Home Loans
6520 Lonetree Blvd, Suite 2011
Rocklin, CA 95765
http://www.coxhomeloans.com
916-796-9000
