Table of Contents
A Special Note About Children
Children are not eligible to use our services and we ask that minors (under the age of 18) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with your parents or guardians.
Information We Collect
In addition to the personal information you choose to submit, our systems are set up to gather certain anonymous data to help us to better understand how the ICO Websites are being used and how we can improve them. This automatically gathered data includes your computer's Internet Protocol ("IP") address, statistics about how visitors navigate through the ICO Websites and information provided through the use of "cookies" (which is described in more detail below).
Information Sharing and Usage
If you have indicated that you want to be contacted by third parties, we may use the information we collect to select which names to provide to a particular third party in order to present you with products and services that we believe will be of interest to you, but we will not disclose this type of information, other than your Contact Information (information that provides a means of contacting you), to any such third party.
ICO Websites may use anonymous data automatically gathered by our servers so that we can understand how to make the ICO Websites more convenient and useful to our audience. This information may also be shared among the ICO Websites and used for similar purposes. In addition, we may share this information, in aggregate form, with our current and potential advertisers or marketing allies so they can try to present advertisements and content more effectively. We may also use aggregate information to share information with the public regarding products, services, content or tools that may of interest to them.
If we sell off a division, merge with another company or spin off a business, your information may be included in such a transaction. However if such a transaction occurs we will notify you of the event and give you an opportunity to respond.
The personal information you provide when you become a registered user of one of the ICO Websites is used primarily to help us customize your online experience. This personal information may also be shared among the ICO Websites to make your use of the ICO Websites more convenient by, for example, limiting the number of times you have to register with us. Your e-mail address serves as a unique identifier in our record system, and it is used together with your password to prevent unauthorized access to any information you choose to store on the ICO Websites.
The data you give us about your personal preferences and demographics (e.g., your age, ZIP code, occupation or the like) may be used to help us offer content, advertisements, products, and services that we believe will be of interest to you. In addition, we may share this information, in aggregate form, with our current and potential advertisers so that they can present advertisements more effectively. If you forget your password for any registered area of the ICO Websites, we have an automated password recovery system, which can be accessed by clicking on the "Forgot Password?" link on the sign in page.
Please note that we do not knowingly accept or store any Personally Identifiable Information about any individual under the age of 18 under any circumstances. If we become aware that Personally Identifiable Information regarding an individual under the age of 18 has been stored, we will promptly delete it from our records (see A Special Note About Children for more information).
The ICO Websites allow you to use many helpful tools, such as financial calculators, real estate search tools and other tools most of which will not ask you to disclose any personal information. These tools are for your benefit, and the information you submit when you use them (typically impersonal data) is not disclosed to anyone or used for any purpose other than to provide you with the service you're seeking. However there are several online tools where we may ask your permission to use the personal information you enter in order to offer services, products or information that we believe may be of use to you or to merge such information into your profile registration.
You may choose to request products or services of a more substantial or personal nature when using the ICO Websites. For example, you may apply for a loan, request our help in locating a home, store your preferences for convenience in using the ICO Websites or make an online purchase or payment. The information you provide when seeking these services may be used in the following ways:
For services provided by the ICO Websites, the information you submit is used by us to provide the service you've requested. We may also share this information with subcontractors, but only to the extent necessary to fulfill your request or to facilitate your use of their services. For instance, we may use your information on ICO Websites to pre-populate a form to be sent to the provider of a service you request, but the information will not be transmitted for use in providing the service by that provider until you choose to submit the information to them.
In addition, we may use the contact information and non-financial information you've supplied, such as your e-mail address, as set out in the registration section, above. Further, we may, with your permission, contact you by phone to request additional information to help you find products and services that we believe you will find useful.
You are not required to cooperate with any telephone requests if you do not wish to take advantage of our products or services. If the service you request requires submission of financial information, such as a credit card number for an online purchase, rest assured that this financial information is used only for processing your payment, and is not retained after completion of your order. We may, however, store your non-financial order information for accounting purposes and to help us understand your preferences better, so that we can offer you products or services in the future that you may find useful.
From time to time, we may wish to use personal information you provide when requesting a product or service for purposes beyond those listed above. If this is the case, you will always be notified of the additional use prior to your submitting the personal information and you'll be given a chance to opt-out of that use or to not complete the request for the particular product or service.
You may occasionally see contests, surveys and other features of the ICO Websites that ask you to provide us with personal information. When you choose to respond to these requests, the personal information you offer may be used for several purposes. These include the uses set out in the registration section above. They also include providing information to third parties as necessary for prize fulfillment and other aspects of any contest, sweepstakes, game or other promotion. If we are going to use your personal information for any other purpose, we will notify you of that purpose and give you a chance to opt-out before responding to our survey or participating in our contest, sweepstakes, game or other promotion. Any contest, sweepstakes, game or other promotion that is accessible through the Site is governed by specific rules. By entering any such contest, sweepstakes, game or other promotion, you will become subject to those rules. We urge you to read the applicable rules, which are linked from the particular contest, sweepstakes, game or other promotion.
Portions of the ICO Websites enable you to send e-mail to us or to third parties and to participate in public bulletin boards and discussion groups. All postings to public bulletin boards and discussion groups become our property. Whenever you choose to initiate these kinds of communication with us, or anyone else, you may expect to be contacted in return. Also, remember that our bulletin boards and discussion groups are open to the public, and therefore, your postings can be seen by anyone and are not protected by us or any other entity. Please use your own discretion when deciding what to post publicly and whom to contact. We reserve the right, in our sole discretion, to edit or delete inappropriate postings from our bulletin boards and discussion groups; provided, however, the reservation of this right shall not, under any circumstances, obligate us to conduct such editing or deletions.
If you participate in any referral service we may offer, we will use the information you submit to determine which of our participating professional(s) may be able to serve your needs. We may then forward your name, Contact Information and other responses contained on our sign-up form to the selected professional(s), who may then contact you using that information. Any information you provide also may be used by us in accordance with the uses set out in the registration section, above. In some cases we may store these communications to participating professionals or other third parties, but solely for the purpose of assisting the professional in tracking their communications.
Cookies are small files that we send to and store on your computer so that we can recognize it as a unique machine the next time you visit the ICO Websites. Our cookies are used for three purposes: (1) to keep track of your information for your own convenience; (2) to help us optimize your online experience by altering our content depending on your particular needs or browsing patterns, and to provide you with advertisements, products and services that we believe will be of interest to you; and (3) to help us understand the size of our audience and their traffic patterns within the ICO Websites. Some of our advertisers and third-party ad servers may also utilize their own cookies. Also, companies offering products or services through the ICO Websites may use their own cookies.
Automatically Gathered Data
The information gathered automatically by our system such as your computer's IP address, the kind of browser you're using, and a record of your navigation through the ICO Websites may be used to help us understand how to make the ICO Websites convenient and useful to our audience. This information may also be shared among the ICO Websites and used for similar purposes. In addition, we may share this information, in aggregate form, with our current and potential marketing allies and advertisers so they can know how to present their advertisements more effectively. When such data is aggregated, all Personally Identifiable Information is eliminated.
You also have the ability to terminate e-mail correspondence from us at any time. You may be given the chance to opt-out of direct mailings when you disclose your e-mail address to us. Further, you can click here to "Unsubscribe" and we will promptly remove you from our email lists.
Editing and Deleting Your Account Information and Preferences
To view, edit or delete the personal information you submitted on the ICO Websites during registration, follow the instructions found in the "My Profile" or "Edit Your Profile" area of the ICO Websites where you registered.
The ICO Websites have implemented the following protective measures to protect your personal information against loss, misuse or alteration:
Whenever personal information about you is stored on our computers, that information is kept on servers that are located behind a "firewall" and password-protected to prevent unauthorized access or use.
Since your Social Security and financial information is especially sensitive, we take special care to keep it secure. We will only transmit or ask for this information over secure Internet connections, using SSL (Secure Sockets Layer) encryption the currently accepted standard for online security and security keys. In addition, we require password authentication from any third parties you've authorized to receive this information. Finally, your Social Security number, credit card number, and financial information are never stored on our servers. While this means you may have to enter this information more than once, we believe the added security is well worth the extra effort.
Of course, we appreciate your help in safeguarding the integrity of your own and others' privacy. We hope you'll use common sense whenever you disclose personal information over the Internet.
Notification of Changes
Questions or Comments
* Including, but not limited to ICO, HomeFirst and Gray Hunnicutt