ReferralExchange.com Privacy Policy

Effective on: (9/15/14)

ReferralExchange.com has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers only information that is collected through this Web site, http://www.referralexchange.com. By displaying the TRUSTe trustmark, ReferralExchange.com has agreed to notify users of:

  1. What personal information ReferralExchange.com collects.
  2. What personal information third parties collect through the Web site.
  3. What organization collects the information.
  4. How ReferralExchange.com uses the information.
  5. With whom ReferralExchange.com may share user information.
  6. What choices are available to users regarding collection, use and distribution of the information.
  7. What measures ReferralExchange.com takes to protect the information under its control.
  8. How users can correct any inaccuracies in the information.

TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy Trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at support@ReferralExchange.com. If you are not satisfied with our response you can contact TRUSTe here.

At ReferralExchange.com, we are committed to protecting your privacy and creating a safe and secure online environment for anyone who visits and uses our site. All information is confidential and is never sold, rented, or otherwise used for any purpose other than to help us match you with a bank, lender or broker (whom we will refer to all these as “Lenders”) or real estate agents who can meet your needs. This notice describes our privacy policy. By visiting ReferralExchange.com, you are accepting the practices described in this Privacy Notice.

The Personal Information Collected and How it is used We collect and use various types of information to service your accounts, save you time and money, and better respond to your needs. You may visit our Site and search for homes without providing us with any personal information.

When you submit information to ReferralExchange.com for a loan or realty request, you authorize us to share this information to facilitate the services you request by matching you with our network of participating Lenders, real estate professionals or other parties involved in your transaction. A user must provide detailed information about each loan or realty request such as your name, phone number, e-mail address, property address, and price range. By providing this information to us, or by submitting a request, you expressly consent to being contacted by us and by our lenders and real estate agents, or service providers via phone, email, mail or other reasonable means, at any of your contact numbers or addresses, in order that we may provide the services set forth on our Web site or for other reasonable purposes related to our business.

User Feedback and Reviews

Users may perform ratings and reviews of our lenders and real estate professionals. By submitting such information, you grant ReferralExchange.com to post and publish such information at our sole discretion. If you wish to update or delete your testimonial, you can contact us at support@ReferralExchange.com.

What We Won't Do With Personal Information

We will share your personal information with third parties only in the ways that are described in this privacy policy. We promise never to sell or rent any of your personal information without your prior consent. Your trust and confidence are our highest priority. For questions or concerns regarding our privacy policy, please contact ReferralExchange.com Customer Support .

We may however provide your personal information to companies that provide services to help us with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us.

Links to Third Parties

This Web site may contain links to Web sites maintained by third parties. Please be aware that these links are provided for your convenience and reference only. ReferralExchange.com does not operate or control in any respect any information, software, product or services available on such Web sites. ReferralExchange.com’s inclusion of a link to a Web site does not in any way imply an endorsement of the services or the site, its contents, or its sponsoring organization.

Blog

Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at support@ReferralExchange.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our blog is also managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy.

Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook and Twitter buttons and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Legal Disclaimer

The company reserves the right to disclose users personal information as required by law and when company believe that disclosure is necessary to protect the company rights and/or to comply with a judicial proceeding, court order, or legal process served on the company.

If ReferralExchange.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Security

The company follows generally accepted industry standards to protect the personal information submitted to the company, both during transmission and once the company receives it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while the company strives to use commercially acceptable means to protect user’s personal information, the company cannot guarantee its absolute security.

If users have any questions about security on the company Web site, user can send an email to the company at support@ReferralExchange.com.

Profile

The company stores information collected through cookies, or log files to create a “profile” of user preferences. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. The company ties user’s personal information to information in their profile, in order to provide tailored promotions and marketing offers and improve the content of the site for user.

Referrals

If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. ReferralExchange.com stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Your friend may contact us at support@ReferralExchange.com to request that we remove this information from our database.

Cookies and other Tracking Technologies

Technologies such as: cookies, beacons, tags and scripts are used by ReferralExchange.com and our partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

By setting a persistent cookie, we enable our users to not have to log in with a password more than once, thereby saving time while on our Web site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy policy covers the use of cookies by ReferralExchange.com only and does not cover the use of cookies by any advertisers. We do not link the information we store in cookies to any personal information you submit while on our site.

Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here: macromedia support

Behavioral Targeting/ Re-Targeting

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.  If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads.  You will continue to receive generic ads.

(Google AdSense/Adwords) We use Google AdSense to publish ads on this site. When you view or click on an ad a cookie will be set to help better provide advertisements that may be of interest to you on this and other Web sites. You may opt-out of the use of this cookie by visiting Google’s Advertising and Privacy page: http://www.google.com/privacy_ads.html

Access to Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, update, delete, or deactivate it by making the change on our member information page or by emailing our Customer Support at support@ReferralExchange.com or by contacting us by telephone or postal mail at the contact information listed below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Opt-Out/Choice

If you give the company your information over this website, and you wish to opt-out of receiving communications from us, our partners, or third parties, please send us an email to support@ReferralExchange.com; use http://www.ReferralExchange.com/remove; call: 855-693-1498; you can write to: Attn:Customer Support, ReferralExchange.com, 588 Sutter St. #350, San Francisco, CA 94102

Contact Company

If users have any questions or suggestions regarding the company privacy policy, please contact company at:
ReferralExchange.com
588 Sutter St. #350
San Francisco, CA 94102
Toll Free Phone: 855-693-1498
support@referralexchange.com

Privacy Policy Updates

We may, in our sole discretion, revise this Privacy Policy at any time; all such revisions shall be effective when posted. If we change the way your personal information will be used, we will post an announcement on our homepage. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this Privacy Policy in order to keep apprised of our current privacy practices.