Privacy Policy

PRIVACY POLICY

Our mission is to act as a trusted advisor, and we can’t do that without your trust. This Privacy Policy explains what information we collect about you, why we collect the information, as well as how we collect and use the information so that we can deliver the best experience that we can.

By using any of our websites and mobile applications (collectively, “Sites”) or otherwise providing Personal Information to us, you agree to this Privacy Policy.

PERSONAL INFORMATION

“Personal Information” generally means any information that identifies you as an individual, and any other information we associate with it. We collect a few categories of information, from a few different sources.

Information that is passively collected when you use the Sites, such as by our web servers and by third party analytics tools we us

Our system logs may record certain information about visitors to our Sites, including the web request, Internet Protocol (“IP”) address, device and mobile ad identifiers, browser information, interaction with the Sites, pages viewed, app usage, and other such information; we may collect similar information from emails you receive from us that can help us track which emails are opened and which links are clicked by recipients.

We use certain cookies, pixel tags and other technologies to help us understand how you use the Sites and enable us to personalize your experience. To learn more about cookies, please visit http://www.allaboutcookies.org/. To learn more about NestMade’s use of cookies, please see our Cookie Policy. We may ask advertisers or other third party partners to serve ads or services to your devices, which rely on cookies or similar technologies placed on our Sites.
We may detect the physical location of your device by, for example, using GPS information collected by mobile apps or location information shared by your web browser. We collect this information for purposes of enhancing or facilitating our services, such as enabling certain functionalities of the Sites that can provide you with information about promotions or relevant product information near you. Should you wish to opt out of the collection of this information, please adjust the settings of your device so that information about your physical location is not sent to us or third parties by (a) disabling location services within the device settings; or (b) denying certain websites or mobile applications permission to access location information by changing the relevant preferences and permissions in your mobile device or browser settings. Please note that your location may be derived from your WiFi, Bluetooth, and other device settings. Please consult your device settings for further information.

HOW WE MAY USE PERSONAL INFORMATION

We may use Personal Information as permitted by law, for the following business purposes:

to respond to your inquiries and fulfill your requests
to send administrative information to you, such as about your account or loan or respond to your inquiries and requests for information
to communicate with you about loans, services, promotions, campaigns, programs, contests, and accounts
to inform you about our loan products, promotions, events or other promotional purpose
to re-contact you if we have not heard from you in a while
to send you advertising/promotional material from any of our affiliates, and on behalf of our promotional and strategic partners
to improve your experience with our products and services, such as by personalizing your experience with us

We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

to comply with applicable law and legal process
to respond to requests from public and government authorities, including public and government authorities outside your country of residence
to detect, prevent, or investigate potential security incidents or fraud
to facilitate the functionality of our mobile applications and websites
to provide important product safety information and notice of product recalls
to enforce our terms and conditions
to protect our operations or those of our affiliates
to protect our rights, privacy, safety or property, security and/or that of our affiliates, you or other
to allow us to pursue available remedies or limit the damages that we may sustain

THIRD PARTY SITES

The Sites may link to other web sites and online services. We have no control over such third parties and therefore cannot be responsible for the content, availability, or security of such linked third-party websites, so please read their privacy policies carefully. Third parties may use your information for their own purposes, including behavioral or advertising purposes. This Privacy Policy does not address the privacy and data security practices of any third parties. The inclusion of a link on the Sites does not imply endorsement of the linked third-party website or their products and services, and is provided for your convenience only. If you decide to access any of the third-party websites linked to our Sites, you do so subject to the terms and conditions of use for such third-party websites.

We are also not responsible for the privacy and data security practices of other organizations, such as Facebook, Instagram, Apple, Google, Microsoft, Twitter or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer. Please read their privacy policies and consider customized settings on your browser or through your mobile phone to limit disclosure of certain information, such as location data.

Any Personal Information that you provide through these third-party websites, mobile applications, or social platforms will be subject to the privacy policy of its operator, and not this Privacy Policy.

SECURITY

With recent events and regulatory changes, our customers and business partners are increasingly asking how NestMade protects the sensitive information entrusted to us. We recognize that this is a significant trust and one that we don’t take lightly. Information Security is a very complex subject, and the technical details are beyond the scope of this document. However, this document will provide a general overview of the Information Security Controls in place and operating at NestMade.

A significant part of our strategy is our implementation of application virtualization technology throughout NestMade. This technology significantly reduces the potential attack points by centralizing the location of borrower data within our data centers. We replicate data between servers in our primary and secondary data centers – data is never put on tape or other physical media for transport.

Additionally, all of our associates are provided training on the protection of borrower information and are engaged in an active, continual Information Security Awareness program that keeps Information Security in focus all throughout the year.

We use standard physical, technical and administrative measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your Personal Information. Unfortunately, no system or network can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us in accordance with the “Contacting Us” section below (note that physical mail notification will delay the time it takes for us to respond to the problem).

RETENTION PERIOD

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by for legal, auditing, or compliance purposes.

CHILDREN’S PRIVACY

We do not intend for our websites or other online services to knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow minors under the age of 13 to disclose their Personal Information to us through the Sites. The Sites are directed to individuals who are permitted to share their Personal Information without parental consent. If you believe that we might have any information from a child under the age of 13, please contact us as directed below in the “Contacting Us” section.

UPDATES TO THIS PRIVACY POLICY

We may periodically update this Privacy Policy. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on our Sites. Your use of the Sites following these changes means that you accept the revised Privacy Policy.

CONTACTING US

We welcome your questions, comments, and concerns about privacy. If you have any questions about this Privacy Policy or our data practices, please contact us as follow

406 E. Huntington Dr Unit 204
Monrovia, CA 91016
(626) 262-4321 | apply@nestmade.com

Please note that email communications are not always secure, so please do not include credit card information or other sensitive information in any emails to us.

COOKIE POLICY

When you use our websites, mobile applications, and online services (the “Site”), we may store cookies on your web browser. Other third parties you choose to visit may do the same. This Cookie Policy explains what a cookie is, how you can manage your cookies, and what kind of cookies may be on our sites.

WHAT IS A COOKIE AND WHY DO WE USE THEM?

Cookies are small pieces of text. They are provided by most websites and stored by your web browser on the computer, phone, or other device that you are using. Cookies serve many purposes. They can help a website remember your preferences, learn which areas of the website are useful and which areas need improvement, and provide you with targeted advertisements or personalized content. Sometimes, cookies are enabled when pixels are placed on a website. Pixels are also referred to as web beacons, clear gifs, and tags. They enable websites to read and place cookies.

FIRST-PARTY COOKIES AND THIRD-PARTY COOKIES

Cookies can be first-party or third-party. A first-party cookie is one that you receive directly from NestMade when visiting our Site. A third-party cookie is one that you have received from another party, such as Google or Facebook. We do not control what third parties do on other sites. However, we may work with certain third-party providers such as Google or Facebook to permit their cookies to function through our Site so we can learn more about your web experience on our Site and better personalize our services for you.

PERSISTENT AND SESSION COOKIES

A persistent cookie is a cookie that is stored by the web browser on your device until it expires or you delete it. The expiration of a persistent cookie is determined by the creator of the cookie and can be upon a certain date or after a length of session time has passed. This means that, for the cookie’s entire lifespan, its information will be transmitted to the creator’s server every time the user visits the website that it belongs to or another website configured to check for that cookie (such as an advertisement placed on that website). For this reason, persistent cookies are also called “tracking cookies.”

A session cookie is created temporarily on your device for use by a website during your visit. This type of cookie may store information you enter and track your activity within the website. A session cookie is deleted after you leave the website or when the web browser is closed. A good example of a session cookie is the shopping cart on an e-commerce site. The session cookie stores the items that you add to your cart so they are not forgotten while you view products on other pages of the website. Using a session cookie, the items will all be in the cart when you go to the checkout page.

HOW DO I MANAGE COOKIES?

Most web browsers let you choose whether to accept cookies. Most also let you delete cookies already set. The choices available, and the mechanism used, will vary from browser to browser. Such browser settings are typically found in the “options”, “tools” or “preferences” menu. You may also consult the browser’s “help” menu.

There are online tools available for clearing all cookies left behind by the websites you have visited, such as www.allaboutcookies.org. Usually, deletion of cookies will anonymize the information associated with the pixel and a website will not receive any further associated information.

WHAT KIND OF COOKIES DO WE USE?

The Site may use Strictly Necessary Cookies, Performance Cookies, Functional Cookies, Targeting Cookies and Social Media Cookies. Any of these may be first-party cookies or third-party cookies, persistent or session.

Strictly Necessary Cookies: These are cookies without which you would not be able to use this Site. For example, Strictly Necessary Cookies adjust the Site data transmitted to match your Internet connection, get you to the secure versions of the Site, and help provide services you specifically request. If you set your browser to block these cookies, some parts of the Site will not work. Strictly Necessary Cookies do not store any Personal Information.

Performance Cookies: We may use these cookies to count visits and traffic sources, to measure and improve Site performance. They help us to know which pages are the most and least popular and see how visitors move around the site. Performance Cookies do not store any Personal Information.

Functional cookies: These cookies allow the Site to remember choices you make and provide enhanced functionality and more personalized features. Depending on context, Functional Cookies may store certain types of Personal Information as needed to provide functionality.

Targeting Cookies: Targeting cookies help us manage and display our advertisements, based on your activity on the Site and other sites; this is known as interest-based advertising. Targeting cookies mainly rely on uniquely identifying your browser and internet device. Opting out of interest-based advertising does not mean you will no longer see advertising online, but it does mean that the companies from which you opt out will no longer show ads that have been tailored to your interests.

Social Media Cookies: Social Media Cookies make social sharing easier for you, provide you with tools to connect with the Site, and help us better understand both the audience for the Site and the effectiveness of our social media outreach. These are third-party cookies. Your choices with respect to such cookies are determined by the social media platforms on which you have accounts.

UPDATES TO THIS COOKIE POLICY

We may change this Cookie Policy at any time. Any changes in this Cookie Policy will become effective when the revised Cookie Policy is available on or through the Site.

RIGHT TO KNOW

You have the right to know and see what data we have collected about you over the past 12 months, including:

The categories of Personal Information we have collected about you;
The categories of sources from which the Personal Information is collected;
The business or commercial purpose for collecting your Personal Information;
The categories of third parties with whom we have shared your Personal Information; and
The specific pieces of Personal Information we have collected about you.

DO YOU SELL MY PERSONAL INFORMATION?

No, we do not. In order to sell your information, we would need to first disclose to you our sale practices AND provide you with an easy “DO NOT SELL MY INFO” button on our website for you to opt-out of future sales of your Personal Information. But rest assured, we do not sell your Personal Information.

HOW AND WHERE DO YOU COLLECT PERSONAL INFORMATION?

That depends. We collected most of this information directly from you — either during a mortgage application or as we service your mortgage loan. Such Personal Information includes social security number, employment history and bank account numbers. We collect and secure all of this information in accordance with federal regulations. We also may receive information from other sources, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained.

And we gather information using cookies and other online tools and technology. In other words, we collect some information about our anonymous website visitors, but we do not attempt to identify our visitors by name or profile. We only identify you by name when you submit a web form with your Personal Information or log into/register on our NestMade customer portal.

WILL YOU DELETE MY INFORMATION IF I REQUEST YOU DO SO?

The short answer is maybe. The CCPA requires businesses that collect Personal Information directly from consumers to delete such information upon request. Unless the deletion request is subject to an exception. Or an exemption. Let us explain in more detail. Information we collect, store, or share in connection with providing you a financial product or service is exempt. That’s because your financial information is already regulated by federal law. Pursuant to federal law, we leverage administrative, physical and technical methods to safeguard your information. And even if you’re not a customer of ours, we might need to keep some of your information to: complete a transaction, prevent or detect fraud, or comply with a legal obligation. While we may not delete your information, we will always use it for a lawful purpose that aligns with what you would expect given your relationship with NestMade.

To submit a request, feel free to call us at (626) 262-4321.

CAN I REQUEST A COPY OF WHAT YOU COLLECTED OR SHARED?

Well, in some cases, yes and in some cases, no. The CCPA refers to this as your “Right to Know”. But like we mentioned above, the CCPA does not apply to most of the information that we collect or share in our role as a financial institution. We won’t include any of that information in your “Right to Know” response. But we might have other information that is not exempt.