Privacy Policy

Last Updated: 5/7/2015

This website is owned and operated by Golden State Property Solutions, or a Golden State Property Solutions subsidiary, division or line of business.

We want you to understand what information we gather about you, how we use it and the safeguards we have in place to protect it. This Privacy Policy applies to information collected through this website and otherwise. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as the website’s Terms of Use and all of its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

1. Information We Collect

We collect personally identifiable information that can identify you such as your name, address, telephone number and e-mail address. (“Personally Identifiable Information” or “PII”). We also collect information such as demographic data and data about your online activity on our website that does not identify you (“Non-Personally Identifiable Information” or “Non-PII”). PII and Non-PII are known together as “Information”. We may also collect and store Information that you provide to us about other people (such as co-borrowers), including their name, address, telephone number, and email address.

2. How We Collect and Use Information.

We collect Information you provide to us in connection with inquiring about or obtaining our services; and in connection with obtaining services from our partners.

We automatically collect Non-PII from your browser when you visit our website. This information includes, but is not necessarily limited to, your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us and the referring website address.

2.5. Cookies.

A cookie is a small text file that is stored on a user’s computer for record keeping purposes.

Through the use of a cookie, we collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on and other actions you take while on our website. The cookies do not store any PII about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that some of the features and services of our website may not function properly.

3. How We Use Information.

In General. We may use Information to: Deliver the products and services you requested; • Research and analyze your use of, or interest in, our products, services and content and the products, services and content offered by others; • Communicate with you via e-mail, telephone, postal mail and/or mobile devices about products or services that may be of interest to you; • Manage our business; and • Perform functions as described to you at the time of collection.

With Whom do we Share Your Information

Referrals for your Non-Mortgage Business. When you express interest in other products, services, promotions that we offer (by, for example, completing a request for such services), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, “Business Providers”). When you choose to participate in a particular offer or program, you authorize us to provide PII to those Business Providers. Be aware the Business Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.

Services Providers. We may share your personal information with our authorized service providers that perform certain services on our behalf including, but not limited to service providers that perform marketing services on our behalf in connection with your request for a service.

Subscriptions/Unsubscribe. When you "submit" information, register for a service, or create an account through Golden State Property Solutions and its Companies website or otherwise, Golden State Property Solutions and/or its' companies may send your information to its affiliates as provided in the Terms of Use. If at any time you do not wish to continue to receive communications from Golden State Property Solutions and/or its' companies or its affiliates' communications, you may modify your preferences by emailing info@goldenstatepropertysolutions.com

4. Special Notice to California Residents.

If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

We will not share any personal information about you with other Businesses to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year 2. the names and addresses of the third parties that received that information; and 3. if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed. We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is info@goldenstatepropertysolutions.com.

5. Special Notice to Vermont Residents.

We will not share any personal information about you with other Businesses to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at info@goldenstatepropertysolutions.com

6. Updating and Accessing Your Information.

The appropriate method(s) for accessing your Information, if any, will depend on which sites or services you have used. Depending on the respective service, you may have the ability to view or edit some of your information online. If you have submitted a form with us, you can update your personal information by contacting us at info@goldenstatepropertysolutions.com

7. How we Protect your PII.

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your PII from unauthorized access and disclosure. In addition to the restrictions outlined above, we require employees to comply with information security safeguards, we use encryption in the transmission of your PII between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your PII.

No system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your PII, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their PII. Please refer to the Federal Trade Commission’s website for information about how to protect yourself against identity theft.

Changes to this Privacy Policy. We may update or modify this Privacy Policy to reflect changes to how we will collect, use and/or share Information. Our Privacy Policy will reflect the date it was last updated. If we make material changes to this Privacy Policy, we will notify you either by prominently posting a notice of such changes before implementing them or by sending you electronic notification of the changes. Please check this Privacy Policy each time you use our websites to ensure you are aware of any changes in our practices. Your continued use of our websites will signify your acceptance of the changes to the Privacy Policy.

Visiting our Websites From Outside the United States. This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

8. No Rights of Third Parties.

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any PII relating to users of our websites.

9. How to Contact Us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows: Attn: Privacy Desk
Golden State Property Solutions
4629 Cass
Suite 4223
San Diego, CA 92109
or
info@goldenstatepropertysolutions.com

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