New Century Financial Mortgage LLC PRIVACY POLICY

Effective date: May 1, 2023

Introduction to our Privacy Policy

SPIDERNOW (“New Century Financial Mortgage LLC”) is dedicated to protecting your personal information and informing you about how we use your personal information or any other information submitted by you. This Privacy Policy applies to your use of the Platform, as defined within the New Century Financial Mortgage LLC User Terms (“User Terms”) and the New Century Financial Mortgage LLC Subscription Agreement (“Subscription Agreement”). This Privacy Policy should be read in conjunction with the Subscription Agreement and User Terms and is integrated into both agreements respectively. All capitalized proper nouns not defined in this Privacy Policy will have the same definitions and meanings as defined by those agreements. Please review this Privacy Policy periodically as we may revise it from time to time. If you do not agree with or accept our Privacy Policy in its entirety, you must not access or use our Platform. If you use the Platform following a change to the terms of this Privacy Policy you agree to accept the revised policies.

New Century Financial Mortgage LLC ("us", "we", or "our") operates the https://www.mortgagequote.com/ website (the "Service").

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://www.mortgagequote.com/

Our privacy policy is simple: we never sell or rent your personal information to any third parties under any circumstances without your prior consent. We will not use your address or other information to provide you with any unsolicited message or information unless that is part of the service you are requesting, nor will we share it with or sell, rent or lease it to any third party for such use without your prior consent. This Privacy Policy is an important part of our website and the services we offer to you which cannot, in any way, be separated from the User Agreement, usage or transaction process or from our membership page. When you visit our web site, we capture the Internet provider's domain name and country that you came from (e.g., 'aol.com') and the paths taken as you move from page to page (i.e., your "click stream" activity). Information we collect on New Century Financial Mortgage LLC may be used to enhance your use of this web site in ways like these:- Arrange the web site in the most user-friendly way;- Customize your browsing experience of this web site;- Communicate special offers and featured items to you (if you choose to receive such notices);- Respond to your question or suggestions;

Definitions

Service
Service is the https://www.mortgagequote.com and crm.mortgagequote.com website operated by New Century Financial Mortgage LLC

Personal Data
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies
Cookies are small pieces of data stored on your device (computer or mobile device) which is tied to information about you. We use both session ID cookies and persistent cookies from our website. For instance, the session ID cookie simply terminates once you close the browser. A persistent cookie is a small text file that is stored for an extended period of time on your hard drive. Persistent cookies can be easily removed by using that Web browser's help file instructions.

New Century Financial Mortgage LLC uses cookies in several ways. Most internet web browsers automatically accept cookies but if you like you can customize your web browser in its options to block cookies. Persistent cookies allow us to track the pages our users visit which allows us to enhance our website. This privacy statement covers the use of cookies by New Century Financial Mortgage LLC only and does not cover the use of cookies by any advertisers, affiliates or partners. View our Cookie Policy for more details.

We use cookies to understand how you use the Platform, to remember your preferences, and to remember your logins. We use cookies for Google Analytics and Cookie Script cookies (“Third Party Cookies”). The Third Party Cookies may track your usage information and interactions with the Platform and may be used to market to you. If you disable cookies from your web browser some portions of our Platform may not work.

Data Controller
Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.

For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors (or Service Partners)
Data Processor (or Service Partner) means any natural or legal person who processes the data on behalf of the Data Controller.

We may use the services of various Service partners in order to process your data more effectively.

Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Information Collection and Use
At New Century Financial Mortgage LLC, we collect personally identifiable information (“PII”) and non-personally identifiable (“Non-PII”) information from you. Personally identifiable information is information that can be used to identify you personally. Non-personally identifiable information is information that must be combined with other information to identify you personally. We collect several different types of information for various purposes to provide and improve our Service to you.

PII Collected
You will not be required to provide us any information when you visit our Platform. However, in order to access or use some portions of the Platform, we may collect PII such as your name, email, username, personal information, travel information, and additional information. If you are a Client, we may collect additional Client specific business information from you. We may also collect your relevant payment or credit card information if you wish to pay for any services offered by a Client or if you wish to pay for the New Century Financial Mortgage LLC SAAS. Please be aware that all payment information shall be stored and processed by our third party payment processors.

Non-PII Collected
Whenever you use our Platform, we may collect Non-PII from you, such as your IP address, registration history, interactions with the Platform, usage information, location, referring URL, browser, operating system, data usage, data transferred, and Internet service provider.

Use of Your Information
Where applicable, we will use any information submitted by you in the following ways:

• To provide any services offered and to operate Platform and to share with users and Clients of the Platform.
• To share with other users of the Platform at your direction.
• To enhance or improve our users’ experiences.
• To to contact you via email or other electronic communications where you have an inquiry.
• To notify you of additional New Century Financial Mortgage LLC services and updates.
• To process your transactions.
• To share your information with third party contractors hired by us to perform functions and provide services to us subject to the obligations consistent with this Privacy Policy. The types of third parties we share information with include payment processors, infrastructure partners, and other vendors that assist us in making the Platform available.
• To release to governmental entities, authorities, or legal claimants in accordance with the confidentiality provisions as set forth within the User Terms.

Types of Data Collected

Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, ZIP/Postal code, City
• Cookies and Usage Data

Usage Data
We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.

You can enable or disable location services when you use our Service at any time, through your device settings.

Tracking & Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our Service.

• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.

• Security Cookies. We use Security Cookies for security purposes.

Use of Data

New Century Financial Mortgage LLC uses the collected data for various purposes:

• To provide and maintain our Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer support
• To gather analysis or valuable information so that we can improve our Service
• To monitor the usage of our Service
• To detect, prevent and address technical issues
• To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)
If you are from the European Economic Area (EEA), New Century Financial Mortgage LLC legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

New Century Financial Mortgage LLC may process your Personal Data because:

• We need to perform a contract with you
• You have given us permission to do so
• The processing is in our legitimate interests and it's not overridden by your rights
• For payment processing purposes
• To comply with the law

Retention of Data
New Century Financial Mortgage LLC will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

New Century Financial Mortgage LLC will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

New Century Financial Mortgage LLC will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data Business Transaction
If New Century Financial Mortgage LLC is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement
Under certain circumstances, New Century Financial Mortgage LLC may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements
New Century Financial Mortgage LLC may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of New Century Financial Mortgage LLC
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

Security of Data/Security Measures

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We make reasonable attempts to protect your information by using physical and electronic safeguards such as encryption. However, as this is the Internet, we can make no guarantees as to the security or privacy of your information submitted. For this reason, we recommend that you use anti-virus software, routine credit checks, firewalls, and other precautions to protect yourself from security and privacy threats.

Opt Out of Commercial, Non-Commercial Communications and "Do Not Track" Signals

We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

If you decide to provide us with your contact information, you agree that we may send you communications via emails. However, you may unsubscribe from certain communications by notifying New Century Financial Mortgage LLC that you no longer wish to receive these communications. We will endeavor to promptly remove you from our mailing list once we have received that request. We currently do not offer functionality for you to opt out through “do not track” listings. If you wish to opt out of certain communications or information collection, please contact us at (305) 317-8475.

Your Data Protection Rights Under General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. New Century Financial Mortgage LLC aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

• The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

• The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

• The right to object. You have the right to object to our processing of your Personal Data.

• The right of restriction. You have the right to request that we restrict the processing of your personal information.

• The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

• The right to withdraw consent. You also have the right to withdraw your consent at any time where New Century Financial Mortgage LLC relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service partners

We may employ third party companies and individuals to facilitate our Service ("Service partners"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. SpiderNow is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Analytics

We may use third-party Service partners to monitor and analyze the use of our Service.

Google Analytics

• Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
• You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.
• For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Behavioral Remarketing

New Century Financial Mortgage LLC uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service.

Google AdWords

• Google AdWords remarketing service is provided by Google
• You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: https://adssettings.google.com/authenticated
• Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
• For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

The payment processors we work with are:

Stripe

• Their Privacy Policy can be viewed at https://stripe.com/privacy

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

We do not collect or process any information for any persons under the age of 18. If you are under 18 and using our Platform, please stop immediately and do not submit any information to us. In the event that we have inadvertently collected any information from users under the age of 18 please contact us immediately.

Visitor Registration or Requests for Voluntarily Information

New Century Financial Mortgage LLC only collects personal information that you choose to provide voluntarily when using or registering with the New Century Financial Mortgage LLC site. "Personal information" includes information that can identify you as a specific individual, such as your name or email address; we also use standard web server log files to help us count visitors and evaluate our site's technical capacity. We use this information to find out how many people visit New Century Financial Mortgage LLC, help us arrange the pages in the most user-friendly way, keep the site browser-friendly, and to make our pages more useful to our visitors. We record information on site traffic but not information on individuals.

Email, Mailing Lists, and Other Services

When you send us an email, we use your email address to thank you for your comment and/or reply to your question, and we will store your communication and our reply in case we correspond further. Beyond our initial reply, we will never use your email address to send you any unsolicited message or information, nor will we share it with or sell it to anyone else for such use. If you do not explicitly choose to receive informational emails, by signing up for our newsletter, for example, the only email messages you will receive from New Century Financial Mortgage LLC will be to respond to email inquiries that you send us, with the exception that we may email or mail you our current special offers. If a customer wishes to subscribe to our monthly newsletter then we will only ask for contact information such as name and email address.

To modify or delete your email address, that we store when you ask for our newsletter, simply follow the instructions included in your email, or send a reply stating your request, and we will make the requested changes.

When you request our Newsletter, we use your email address and any other information you give us to provide you with the information requested until you ask us to stop (using the 'unsubscribe' instructions provided with each email and/or on the site where you signed up and/or as we otherwise provide), or until the information or service is no longer available.

Links To Other Sites

Please remember that when you use a link to go from New Century Financial Mortgage LLC to another web site, the New Century Financial Mortgage LLC Site Rules and this Privacy Policy are no longer in effect. Your browsing and interaction on any other web site, including any site that has a link on New Century Financial Mortgage LLC, is subject to the rules and policies of that site. We encourage you to read the rules and policies of the sites you visit to further understand their procedures for collecting, using, and disclosing personal information.

SEO Orders

New Century Financial Mortgage LLC partners with many companies in order to facilitate the processing of your SEO services. When you subscribe from our website you will be asked to provide personally identifiable information. The information includes your name, home or work telephone number, fax number, email address, and your credit card number, expiration date and billing address. We only use this information to process, purchase your subscription and will notify you by email or fax the status of your subscription. When you decide to return to the New Century Financial Mortgage LLC website we use this same information for you to access information about your subscription.

New Century Financial Mortgage LLC and our many partners may also ask for personally identifiable information about any other people you may be purcasing SEO services.

When You Contact New Century Financial Mortgage LLC

Please note that whenever you submit any information to us in connection with any New Century Financial Mortgage LLC related services, you consent to New Century Financial Mortgage LLC's processing of this information in the United States as necessary to provide the services in which you are participating.

Security of Your Personal Information

The security of your personal information is very important to us and we are committed to protecting the information we collect. New Century Financial Mortgage LLC uses security measures in place at its physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you at our web site.

Log Files

Most standard Website servers use log files such as New Century Financial Mortgage LLC. This includes, but not limited to, internet protocol (IP) addresses, internet service provider (ISP), browser type, date/time stamp, referring/exit pages, platform type, and number of clicks to analyze trends, track user's movement in the aggregate, administer the site, diagnose any problems with our servers and gather broad demographic information for aggregate use. IP addresses, etc. are never connected to our customer's personal identifiable information.

Third Party Intermediaries

New Century Financial Mortgage LLC does use an external credit card processing company called Stripe to bill our customers for our services. This company does not retain, share, store or use personally identifiable information of New Century Financial Mortgage LLC customers for any secondary purposes.

New Century Financial Mortgage LLC or other users may post links to third party websites on our Platform, which may include information that we have no control over. When accessing a third party site through our Platform, you acknowledge that you are aware that these third party websites are not screened for privacy or security issues by us, and you release us from any liability for the conduct of these third party websites.

Please be aware that this Privacy Policy, and any other policies in place, in addition to any amendments, do not create rights enforceable by third parties. New Century Financial Mortgage LLC bears no responsibility for the information collected or used by any advertiser or third party website. You must review their policies to understand how their information collection practices work.

SEO and Web Development Partners

We do provide information about our customers to our partners through New Century Financial Mortgage LLC. Although New Century Financial Mortgage LLC offers SEO and Web Development services, our partners that are industry reputable companies, we have not placed any limitations on our partners from using or disclosing any of your information without your consent. Therefore, we will always ask you to review the privacy policies or practices of any partner or purchase on New Century Financial Mortgage LLC.

New Century Financial Mortgage LLC will occasionally share information with our service partners. This information does not contain any personally identifiable information and is used to develop featured programs and content that will be of interest to our members and website visitors.

Accessing and Editing Your Information

You will be able to access any information contained in your account through our Platform. You may edit that information by changing the information listed in your account. If you have any questions or wish to review, change, delete, or access any of your information collected by us, please contact us at (305) 317-8475. After you have deleted your account, please be aware that we may keep inaccessible copies of your PII and non-PII subject to our data retention policies.

International Transfer

Your information may be transferred to - and maintained on - computers located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. PII and Non-PII that is submitted to New Century Financial Mortgage LLC will be collected, processed, stored, disclosed and disposed of in accordance with applicable United States’ law and this policy. In addition, such information may be stored on servers located outside your resident jurisdiction. United States’ law may not provide the degree of protection for information that is available in other countries.

Merger and Acquisition

In the event that New Century Financial Mortgage LLC is involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction. Please be aware that once the information is transferred your privacy rights may change.

California Privacy Rights

New Century Financial Mortgage LLC permits residents of the State of California to use its Platform, and complies with the California Business and Professions Code §§ 22575-22579. If you are a California resident you may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Various provisions throughout this Privacy Policy address requirements of the Californian privacy statutes. Although we do not disseminate your information to third parties without permission, you must presume that we collect electronic information from all visitors. You may contact us at (305) 317-8475 with any questions.

Changes to the New Century Financial Mortgage LLC Privacy Policy

Like our User Terms and Subscription Agreement, we may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will modify the date listed on this Privacy Policy or we may contact you. You must agree to the amendments as a condition of your continued use of our Platform. If you do not agree, you must immediately cease using our Platform and notify us of your refusal to agree by e-mailing us at (305) 317-8475 and please delete your account.

Legal Disclaimer

New Century Financial Mortgage LLC make every attempt to keep our user's privacy private, but New Century Financial Mortgage LLC may be occasionally be required by law to disclose such information you have provided to us for our services. New Century Financial Mortgage LLC may also be required to disclose information against someone who poses a threat to New Century Financial Mortgage LLC's interests or customers, such as customer fraud, or any activities that could bring harm to others.

If you have any questions or comments about New Century Financial Mortgage LLC's privacy policy and/or the way it affects you, please feel free to email us or write us at (305) 317-8475.