Privacy Policy

In general, any person or business can visit us on the internet without telling us who they are or giving us personal information. At times, our business may require that we collect certain information from you, for instance: to register on our website, place an order, provide customer support, manage your communication preferences, or subscribe to our newsletter. We may supplement this information to complete a transaction or to provide a better service. This Privacy Policy describes in detail how we may collect and use your personal information, and the choices you have concerning our use of your information.

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE WEBSITE AT https://mhlending.us (the “Site”) OR OUR MORTGAGE LENDING SERVICES (the “Services”), OR BY SUBMITTING ANY INFORMATION OR MATERIALS TO OR THROUGH THE SITE OR OUR SERVICES, YOU AGREE TO OUR COLLECTION AND USE OF SUCH INFORMATION OR MATERIALS AS DESCRIBED HEREIN. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THE PRIVACY POLICY, OR TO OUR COLLECTION AND USE OF INFORMATION OR MATERIALS FROM YOU, DO NOT ACCESS OR USE THE SITE OR OUR SERVICES.

WHAT DOES THE PRIVACY POLICY APPLY TO?

This Site and the Services are operated by Millennial Home Lending, Inc. (“MHL”, “us”, or “our”). This Privacy Policy applies to the Site and our Services only. The Privacy Policy does not cover the privacy practices of any other company or any other website operated in whole or in part by us. This privacy policy applies only to information collected through our Site and Services and not to information collected offline.

WHAT INFORMATION DO WE COLLECT?

We collect information you voluntarily disclose to us. The Site and our Services allow you to complete forms for the purpose of applying for and creating an account, using our Services, or making general inquiries. By filling out these forms, you agree to send to us all the information you input into the forms, including the personal information you provide. As an example, the forms may prompt you to fill in your name, email address, telephone number, address, reason for contacting us, or payment information.

We may associate data you voluntarily disclose to us with the data we collect when you visit the Site or use our Services, as well as with data obtained from outside sources. By voluntarily disclosing such information to us, you expressly permit us to use your information.

The Site and our Services also link to our pages on various social networking sites, such as Facebook, Yelp, and LinkedIn. If you become a fan, follow us, or otherwise interact with us on these social networking sites, then we may be able to personally identify you because we may be able to see whatever information you make publicly available about yourself on that social networking site. By doing so, you expressly permit this use of your personal information by us.

You should also be aware that if you include information such as your name in a comment on the Site or within the Services, such information becomes public information, meaning that you lose privacy rights you might have regarding that information.

We may collect information when you visit the Site or use our Services. We may also use, collect, track, and store certain data in a form that does not, on its own, permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose. As an example, we may collect data when you visit our Site or use our Services including but not limited to: your IP address, the website that referred you to our Site or Services; the search terms you used to find our Site or Services; your device information such as operating system, browser type, and device type used to access our Site or Services; wireless network and your mobile carrier; session information including how you used our Site or Services, and cookies or other technologies such as pixel tags.

We might use this non-personal information, for example, to better understand customer behaviors, improve our services and advertising, or to provide our customer with more useful information about our Site and Services.

We might aggregate the information we collect in order to make use of it; aggregated data is considered non-personal information for purposes of this Privacy Policy.

We might combine the data we collect with information from outside records (e.g. demographic information and additional contact information) that we have received in accordance with the law.

WHAT DO WE USE YOUR INFORMATION FOR?

Any of the information we collect from you may be used in one or more of the following ways:

• To register you for an account with the Site or Services.
• To provide and improve customer service – Your information helps us to more effectively respond to your customer service requests and support needs.
• To improve our Site and Services – Your information and usage information is used to better understand network behavior, trends, and detect potential outages and technical issues.
• To process transactions – Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the service requested.
• To send periodic emails – The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
• To fulfill your requests to access, purchase, and use our Services, and to provide you with the services you request from us, including by others involved in the fulfillment of your request.
• To provide you with notices such as communications about purchases and changes to our terms, conditions, and policies.
• To communicate with you – via telephone, email mail, SMS, or other means – as may be required in the context of our business relationship related to your access, purchase, or use of our Services
• To prevent fraud and spam – Your information may be used to prevent, detect, and investigate fraud, security breaches, potentially prohibited or illegal activities, protect our trademarks and enforce our Terms of Use.
• For internal purposes such as auditing, analysis to improve our Site or Services, or our advertising.
• For marketing purposes.

We limit marketing to a reasonable and proportionate level and only send you communications which we believe may be of interest or relevance to you. You can stop direct marketing at any time by following the unsubscribe link you will find on all the email marketing messages we send you. If you unsubscribe from our marketing communications, we may be unable to notify you of tailored services or offers to meet your needs. If you unsubscribe from marketing communications from us, you will still receive operations and service messages from us regarding your account.

HOW DO WE PROTECT YOUR INFORMATION?

We take the security of the information we collect and maintain very seriously. To prevent unauthorized access or disclosures, we utilize physical, electronic, and procedural safeguards to protect all the information we collect and maintain, including any personal information you voluntarily provide.

We implement a variety of security measures to maintain the safety of your personal information and to reduce the risk of accidental destruction, loss, unauthorized disclosures, alteration, or access, including:

• Password protection, encryption, and use of secure communication transmission software (known as “secure socket layering” or “SSL”) to protect our Site and Services;
• Using 128-bit encryption for all online access;
• Utilizing a firewall to block unauthorized entry into our Site;
• Placing confidentiality requirements on our employees and service providers;
• Destroying or permanently anonymizing personal information if it is no longer needed for the purposes for which it was collected;
• Following strict security procedures in the storage and disclosure of your personal information to prevent unauthorized access to it; and
• Physical access controls to our data centers.

Please be aware that, although we endeavor to provide appropriate security for the information we collect and maintain, no security system can prevent all potential security breaches. While we take technical and organizational measures to safeguard your personal information, no transmission over the internet can ever be guaranteed to be secure. Therefore, we cannot guarantee the security of any personal information that you transfer over the internet to use and any such transmission is at your own risk.

As the security of personal information depends in part on the security of the computer or device you use to communicate with use and the security you use to protect usernames and passwords, you should take steps to protect against unauthorized access to your password, computer, and web-enabled devices by signing off after using a shared computer, inserting a password on your web-enabled device, choosing a password that nobody else knows or can easily guess, keeping your password private, and periodically changing your password. You should never share your log in information with others. We are not responsible for any lost, stolen, or compromised passwords, or for any activity on your account via unauthorized password activity.

As an additional security measure, the Site will automatically log you off after a period of inactivity. This reduces the risk of others accessing your information from your unattended computer.

HOW LONG DO WE STORE YOUR PERSONAL INFORMATION?

We will store your personal information for as long as is reasonably necessary for the purposes for which it was collected. Where your information is no longer needed, we will ensure that it is disposed of in a secure manner. In some circumstances we may store your personal information for longer periods of time, for instance where we are required to do so in accordance with legal, regulatory, tax, or accounting requirements.

In certain circumstances, we may store your personal information for longer periods of time so that we have an accurate record of your dealings with us in the events of any complaints or challenges, or if we reasonably believe there is a prospect of litigation relating to your personal information or dealings.

DO WE USE COOKIES?

Our Site uses cookies. ‘Cookies’ are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. We may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, we may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

DO WE DISCLOSE ANY INFORMATION TO OUTSIDE PARTIES?

Generally, we do not share your information with outside parties; however, they may be circumstances where we are required to share information. For example, we share your personal information with third parties who help manage our business and deliver services, such as IT service providers. These third parties have agreed to confidentiality restrictions and have agreed to use any personal information we share with them, or which they collect on our behalf, solely for the purpose of providing the contracted service to us.

We may share your personal information with government organizations, law enforcement, and regulators, to comply with all applicable laws, regulations, and request of law enforcement, regulatory, and other governmental agencies in response to legal process.

We may share your personal information with banks and payment providers to authorize and complete credit card payments.

We may share in aggregate, statistical form, non-personal information regarding the visitors to our Site and Services, traffic patterns, and usage with our partners, affiliates, or advertisers.

If, in the future, we are acquired by or merged with another company, if substantially all our assets are transferred to another company, or as part of a bankruptcy proceedings, we may disclose or transfer the information we have collected from you to the acquiring company.

DO WE SHARE YOUR INFORMATION WITH THIRD PARTIES?

We do not sell, trade, rent, or otherwise transfer your personally identifiable information to third parties.

This Privacy Policy only applies to information collected by us. This Privacy Policy does not apply to the practices of companies or other parties that we do not own or control, or their employees that we do not manage. By using our Site and Services, you agree that we shall have no responsibility or liability for the wrongful use or disclosure of your personal information by any third party. Nonetheless, we seek to protect the integrity of our Site and Services and welcome any feedback about third-party clients or sites.

Third Party Clients. We may collect your personal information on behalf of a third party, such as one of our clients who is a membership organization. This Privacy Policy does not cover our clients’ use of your personal information outside of our Sites or Services. We are not responsible for the privacy practices of our clients, and therefore encourage you to review their respective privacy policies.

Third Party Sites. Occasionally, at our discretion, the Site and our Services may contain links to third-party sites. Any information you provide to, or that is collected by, third-party sites may be subject to the privacy policies of those sites. We encourage you to reach such privacy policies of any third-party sites you visit.

CALIFORNIA ONLINE PRIVACY PROTECTION ACT COMPLIANCE

Because we value your privacy, we have taken the necessary precautions to comply with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

As part of the California Online Privacy Protection Act, all users of our Site or Services may make any changes to their information at any time by logging into their control panel and going to the ‘Your Account’ page.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT COMPLIANCE

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act). We do not knowingly collect information or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at privacy@mhlending.us. We will delete such data from our files upon request.

TERMS OF USE

Please also visit our Terms of Use section establishing the use, disclaimers, and limitations of liability governing the use of our Site and Services.

YOUR CONSENT

By using our Site or Services, you consent to our Privacy Policy.

CHANGES TO OUR PRIVACY POLICY

We may update this Privacy Policy from time to time, and in our sole discretion. When we do so, we will post the changes on this page and will updated the effective date of the Privacy Policy on this page. In all cases, our use of the information we collect is subject to the Privacy Policy in effect at the time such information is collected.

This policy was last modified on 07/27/2020.

CONTACTING US

If there are any questions regarding this Privacy Policy, you may contact us using the information below.

privacy@mhlending.us

Millennial Home Lending, Inc.

9200 Oakdale Ave. Ste. 501, Chatsworth, CA 91311

(818) 812-5150 or (877) 274-2610