Privacy & Security

We take the security and safety of our customers’ personal and confidential information very seriously. We will do our best  to help you guard against any disclosure of personal or financial information that could lead to the unauthorized use of your account or to identity theft.

Dwelling Technologies Inc. and its affiliates (“Dwelling” “we” “us” or “our”) take the private nature of your information seriously. When you communicate with Dwelling, use the dwelling.co , and Dwelling’s other domains, advertising products, services, or mobile applications (collectively, the “Services”), we collect information about you to help us provide and improve our relationship with you. In this Privacy Policy, we describe the sources and types of information we collect, how we use it, when it may be shared with others, and how we safeguard its confidentiality and security.

What information we collect and how we use it

Dwelling is committed to appropriately managing any personal information you share with us when using our Services. Personal information means information that can be used to identify an individual, such as a first and last name, financial information, a home or work or other physical address, telephone number, email address, driver’s license number or social security number or other identifiable information (collectively, “Personal Information”).

Dwelling will use the Personal Information you provide to perform the function for which you provide it. For example, if you are applying for a Dwelling product, we use that Personal Information for evaluating your eligibility.

The categories of personal information we collect depend on how you interact with our Services, and the requirements of applicable law. For example, we may collect:

  • Consumer’s Personal Information, such as a consumer’s name, address, telephone number, mobile number, email address, and Social Security Number.
  • Loan Application Information, such as when you apply for a loan, a pre-approval letter, or request related information such as mortgage rates, we may collect financial information such as your household income and expenses, financial account details, employment history and payment card information, outstanding debt, mortgage pre-approval documentation, demographic information, and other information related to funding availability. 
  • Property Information, such as addresses, prices, photos, and other information about the properties you own or consider financing. 
  • Correspondence, such as your feedback, questionnaire and other survey responses, and information you provide to our support teams.
  • Online Identifiers, such as geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or personal IP addresses.
  • Usage Data, such as authentication data, and other data collected via cookies and similar technologies.
  • Information We Get From Others. We may obtain information about you from other sources, including through third party services and organizations. We may collect information about your identity and finances from third parties. For example, we may receive information about you from a third-party identity verification service. We may also receive information about your funding availability from a third-party financial institution. In addition, if you access our Services through a third-party application, such as a social networking site, third-party login service or other website (our “Partner/s”), we may collect information about you from that third-party that you have made available via your privacy settings or have otherwise consented to disclose. In addition, we may receive information about you from a third-party through which you have expressed interest in buying or selling a home and consented to sharing of your information for that purpose.
  • Credit Information. When you check your rate or apply for a loan, we may collect information from credit bureaus and other third parties to facilitate determinations for credit eligibility, perform analyses, provide you with marketing offers, and/or assess risks related to extending credit to you and any co-applicant, and, if you are a  loan applicant, to help investors determine whether to commit to your loan. Such information may include your credit score, credit history, and other information related to your creditworthiness, identity, and financial transactions. When you obtain a loan, we may also collect information throughout the life of your financial obligation to us from the credit bureaus and other third parties in order to assess risks associated with your financial obligation, perform analyses, provide information to investors interested in buying or selling your financial obligation, and/or to provide you with marketing offers. If another entity refers you to us or assists you in any way in the application process, we may also collect your information from that company.
  • Information from cookies and other tracking technologies. We, and third parties we authorize, may use cookies, web beacons, and similar technologies to record your preferences, track the use of our Sites and mobile apps, and collect information about the use of the Services, as well as about our interactions with you. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data, and information about your interactions with the communications we send to you. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Services may not function properly.
  • Third Party Property Information. We may collect information about properties from third parties. This information may include photos, location, price and sales transaction details, tax records, and appraisals. This third party property information may relate to properties you identify, and may be associated with your account.

How We Use Information

We use your personal information for a variety of business purposes, including:

  • Providing Services and Features. We may use the information we collect to provide, personalize, maintain, and improve our Services. This includes using information to operate, maintain, customize, measure, and improve our Services, and manage our business; create and update user accounts;process transactions, including providing services specific to the escrow and loan approval process;send information, including confirmations, notices, invoices, technical notices, updates, security alerts, and support and administrative messages; and to create de-identified or aggregated data. to assess and pursue potential business opportunities.
  • Safety And Security. We may use your information to help maintain the safety, security, and integrity of you as a customer and our Services, including to: protect, investigate, and deter against fraudulent, unauthorized, or illegal activity; monitor and verify identity or service access, combat spam, malware or security risks; perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems; enforce our agreements with third parties, and address violations of our Terms of Service or agreements for other Services; and comply with applicable security laws and regulations.
  • Customer Support. We may use information we collect to provide customer support, including to: direct questions to the appropriate customer support person; investigate and address user concerns; and monitor and improve our customer support responses and processes.
  • Research and Development. We may use the information we collect for testing, research, analysis, and product development to improve your experience. This helps us to improve and enhance the safety and security of our Services, improve our ability to prevent the use of our Services for illegal or improper purposes, develop new features and products, and facilitate payment solutions in connection with our Services.
  • Legal and Regulatory Compliance. Many of our Services are subject to laws and regulations requiring us to collect, use, and store your personal information in certain ways. We also use third parties to verify your identity by comparing the personal information you provide against third-party databases and public records. If you do not provide information required by law, we will have to close your account and/or will not be able to provide you with Services. We may use the information we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, and official inquiries.
  • De-identified and Aggregated Information Use. We may use personal information and other data about you to create de-identified and/or aggregated information, such as de-identified demographic information, de-identified location information, information about the device from which you access our Services, or other analyses we create. De-identified and/or aggregated information is not personal information, and we may use and disclose such information in a number of ways, including research, internal analysis, analytics, and any other legally permissible purposes.
  • Direct Marketing. We may use the information we collect to market our Services to you. This may include sending you communications about our Services, features, promotions, surveys, news, updates, and events, and managing your participation in these promotions and events. If you do not want us to send you marketing communications, please opt out by selecting “unsubscribe” to any marketing email sent by us or by contacting us at optout@dwelling.co.
  • Telephonic Communications. We may use the information we collect to contact you by telephone for any purpose described above, including marketing. By providing us a telephone number, you are providing express written permission and consent for us to contact you at that phone number at any time, for any lawful purpose. The ways in which we may contact you include live operator, automatic telephone dialing system (auto-dialer), prerecorded and artificial voice message, or text/SMS. Phone numbers you provide include those you give to us and those from which you, or someone acting on your behalf, contact us. You may revoke your authorization for some, but not all, types and forms of communications. If you would like to revoke your consent to receive marketing calls or text messages and/or automated calls or text messages, email us at optout@dwelling.co.

Passive Data Collection

We are always working to make your online experience the best available. Various tools and techniques are used to gather and analyze website visits and sessions. One of the ways we gather information about customer visits is through cookies. Some of Dwelling’s Services may utilize cookies, web tags, or other tracking technologies. A cookie is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. A web tag is code or a pixel embedded in a web page, or email, that allows Dwelling or a third party to see that you have looked at that page.

We use cookies and web tags to enable our servers to recognize your web browser and tell us how and when you use the Services. Our cookies do not, by themselves, contain information that personally identifies you, and we don’t combine the general information collected through cookies with other such information to tell us who you are. However, we do use cookies to identify that you have logged in and that your web browser has accessed the Services. We may also store unique or near-unique identifiers that we associate with your Account in our cookies.

Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. Dwelling uses analytics tools and other third party technologies, such as Google Analytics, to collect these website usage and user metrics on our online Sites (as defined by the Dwelling Terms of Use) and/or Services. Note that, unless otherwise disclosed, this Privacy Policy covers our use of cookies only and does not cover the use of cookies by third parties.

Information in our tools

We make planning tools, such as mortgage and savings calculators, available. The calculators are for educational and illustrative purposes only; they do not represent any terms or conditions. We do not represent the accuracy and use of these tools and you should independently verify the results.

How your information is protected

We take a number of steps to protect your personal information. Consistent with industry standards, we have implemented security policies to protect and safeguard the personal information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. We authorize our employees, agents, service providers and contractors to get information about you only when they need it to do their work for us. We require companies working for us to protect information. They agree to use it only to provide the services we ask them to perform for us.

With whom your information is shared

We never share information we receive from you unless: (a) we have your permission to share that information; (b) we have given you prior notice that the information will be shared, and with whom; or (c) that information is aggregate information or other information that does not identify you.

We may share information we receive from you to lenders, real estate agents, or other participating third parties who can assist in your homebuying experience. To opt-out from this sharing send us an email at optout@dwelling.co.

Information shared with our third party service providers

We may share Personal Information with third parties, such as service providers and mortgage lending partners, when it is necessary for the conduct of our business. In such cases, we will have agreements with the third party service providers under which the providers agree to maintain the confidentiality of your information and to use it only to help us serve you.

Embed Inc. d/b/a Pylon Lending (“Pylon”) is a mortgage lender offering loans through Dwelling mortgage broker services. Pylon and Dwelling are not engaging in joint marketing activities and we do not share consumers’ information for marketing purposes.

Other times we may share your information

  • To Comply With Our Legal Obligations. We may share your information: (A) to comply with laws and regulations; (B) to cooperate with government or other regulatory investigations, including when we are compelled to do so by a subpoena, court order, or similar legal procedure; (C) to comply with one or more forms of “travel rules” that require our transmitting of your information to another financial institution; (D) when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss; (E) to report suspected illegal activity; or (F) to investigate violations of our terms of use or any other applicable policies.
  • With Third-Party Identity Verification Services. We may share your information to help prevent fraud and deny service to persons presenting an unacceptable level of money laundering, terrorism financing, or fraud risks. This allows us to confirm your identity by comparing the information you provide us to public records and other third-party databases. These providers may create derivative data based on your personal information that they can use in connection with provision of identity verification and fraud prevention services. We do not control these providers’ privacy policies.
  • With Service Providers. We may share any personal information we collect about you with our third-party service providers. The categories of service providers to whom we entrust personal information include service providers for: (i) the provision of the Services; (ii) the provision of information, products, and other services you have requested; (iii) marketing and advertising; (iv) payment, loan, and transaction processing; (v) customer service activities; and (vi) the provision of IT and related services.
  • With Financial Institutions. We may share your information with financial institutions to process payments you have authorized.
  • During a Change to Our Business. If we engage in a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of our assets or stock, or other change of control, financing, public offering of securities, acquisition of all or a portion of our business, a similar transaction or proceeding, or steps in contemplation of such activities, some or all of your information may be shared or transferred, subject to standard confidentiality arrangements.
  • Aggregated Or De-identified Data. We may share aggregated and/or anonymized data with others for their own uses.

Information We Get From Others

We may obtain information about you from other sources, including through third party services and organizations. We may collect information about your identity and finances from third parties. For example, we may receive information about you from a third-party identity verification service. We may also receive information about your funding availability from a third-party financial institution. In addition, if you access our Services through a third-party application, such as a social networking site, third-party login service or other website (our “Partner/s”), we may collect information about you from that third-party that you have made available via your privacy settings or have otherwise consented to disclose. In addition, we may receive information about you from a third-party through which you have expressed interest in buying or selling a home and consented to sharing of your information for that purpose.

Information Shared with Corporate Parents and Affiliates

We may share your personal information with our affiliated companies and our successors and assigns to improve our service to you, to bring to your attention programs and services in which you may be interested, and as is otherwise reasonably necessary for the conduct of our business.

From time to time, but only with your consent, we may share your name, contact information, or other personal information with unaffiliated business partners for their use in marketing their products and services to you.

Information Disclosed for Our Protection and the Protection of Others

Information We Share with Your Consent or at Your Request: If you ask us to release information that we have about your Account, we will do so if reasonable and not unduly burdensome.

We may share personal information with others:

  • when necessary in order to resolve customer disputes and complaints
  • to protect against fraud
  • to respond to a subpoena
  • to report to a credit bureau; and
  • when otherwise necessary to comply with laws, regulations, and judicial or administrative orders and directives.

Information Shared with Other Third Parties

We may share or disclose non-private information, Aggregate Information, or other non-personally identifying information with people and entities that we do business with.

Communication with us

As part of the Services, you may occasionally receive email and other communications from us. Administrative communications relating to your Account are considered part of the Services and your Account, which you may not be able to opt-out from receiving.

You may also receive other kinds of emails, offering products and services from our affiliates or non-affiliates, which you can opt-out of using the “Opt-Out” link in the emails themselves. Note that we will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.

If you provide us with an email address or phone number, or choose to communicate with us by email or phone, then emails or phone calls from us to you will be considered to be sent or made with your consent.

Third party websites

This Website may contain links to third party websites. We are not responsible for the privacy practices or the content of these websites. Our website may also use third parties to present or serve advertisements that you may see on our Website. These third party ad servers may use cookies, web beacons, clear gifs or similar technologies to help present such advertisements and to help measure and research the advertisements’ effectiveness. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy. Before providing personally identifying information to any third party website, you should review its privacy policy and practices.

Cookies and Tracking Technologies How to Opt Out

If you would prefer not to accept cookies or otherwise wish to disable our use of tracking technologies, most browsers and mobile devices allow you to change your settings so as to notify you when you receive cookies or other tracking technologies are being used, and to choose whether or not to accept/allow it. Most browsers also allow you to disable or delete existing cookies or to automatically reject future cookies. Disabling cookies may limit your ability to use the Site.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time, using the process for modifications set forth in our Terms of Service. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Entire Agreement

This Agreement states the entire agreement between you and us concerning the use of this Site, and may not be amended or modified except through a written agreement signed by an officer of Dwelling.

Where to direct questions or concerns

If you have any questions or concerns regarding privacy using the Services, these Terms of Use or Privacy Policy, send us an email at team@dwelling.co.

Updated: October 2023

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