Who we are
This website, http://keystonebroker.com, is owned and operated by Keystone Funding, Inc. Doing Business As (DBA) Keystone Funding, Keystone Funding & Realty Group, Keystone Funding Group, (hereafter “Keystone”) NMLS 144760 is licensed by the State of District of Columbia, Delaware, Florida, Maryland, New Jersey, North Carolina, South Carolina, Texas, Washington, Pennsylvania, Alabama, California, Colorado, Delaware, Maine, Massachusetts, New Hampshire and Virginia Department of Banking. CLICK HERE to lookup our NMLS Licensing Information.
Introduction
Keystone is committed to protecting the Personal Information and privacy of our online users. When we say “Personal Information,” we mean information that relates to you and can – either on its own or in combination with other information – identify you as an individual. Personal information does not include information that has been de-identified or aggregated such that you can no longer be identified.
This Privacy Policy covers our use of Personal Information, and sets out how we collect, store and use information about you when you use or interact with our website, www.keystonebroker.com (hereafter “Site”) and the services provided through the Site (collectively with the Site, the “Services”) and where we otherwise obtain or collect information about you.
California Consumer Privacy Act (CCPA)
What personal data we collect and why we collect it
The types of information we collect depends on your level of engagement with the Services. The more you interact with the Services, the more information we need to provide the Services. This Section explains how we collect and use information based on your level of engagement with the Services.
All Users of the Sites
From registered and unregistered users of the Sites, we automatically receive and record information whenever you interact with the Sites. This includes IP address data from our server logs, cookie information, browser information, information about your activity while on the Sites (such as the pages you request, properties that you view or save, and property that you claim), and the URL of the site you came to the Sites from. If permitted by the settings on your device and with your consent, we will also collect your geo-location information. We use this to provide you with location specific information, such branches near your current location as determined by your geolocation, and information about loan officers licensed in your state based on your geolocation. We may also approximate your location based off your IP address.
We may also use the information listed above to help diagnose problems and performance with the Services, analyze trends, customize your experience, and administer the Services. We may provide IP addresses to third-parties to help us analyze website user survey data. We may also use the information described in this section to better target information about Keystone’s Sites and Services, for example, by displaying more accurate or relevant information on our Sites, matching you to a public record listing of a property, tailoring the advertising we display on third party websites and platforms, and sending better targeted and tailored messages, including via email and/or push notifications.
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy. After approval of your comment, your profile picture is visible to the public in the context of your comment.
General Communications
We may collect Personal Information from you such as email address, phone number, or mailing address when you request information about our Services, register for our newsletter, request customer or technical support, or otherwise communicate with us.
Marketing
We may send marketing materials to clients using various communication channels, including without limitation, email, text messages/SMS, push notifications, telephone calls, direct mail, autodialers, and pre-recorded and artificial voice. Individuals may also subscribe to Alert Emails or other notifications with information such as customized summaries of loan status, interest rates, and other loan related information.
Keystone Funding will not transfer or assign your consent to receive marketing messages under this service, if any, to a third party or share information gathered solely from the SMS program with third parties for them to market to you.
Call Recording
We may record any telephone calls between you and our employees for training and quality assurance purposes.
Sharing with Friends or Colleagues
Our Services may allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services. Email addresses that you may provide for a friend or colleague will be used to send your friend or colleague the content or link you request.
Interactive Features
We may offer interactive features such as chat services, forums, and social media pages. We may collect the information you submit or make available through these features. Any content you provide on the public sections of these channels will be considered “public” and will not be subject to the privacy protections referenced herein.
De-Identified and Aggregated Information
We may use Personal Information and other information about you to create de-identified and/or aggregated information, such as de-identified demographic information, de-identified location information, de-identified or aggregated trends, reports, or statistics, information about the computer or device from which you access our Services, or other analyses we create. De-identified and aggregated information is used for a variety of functions, including the measurement of visitors’ interest in and use of various portions or features of the Sites and Services. De-identified and aggregated information is not Personal Information, and we may use and disclose such information in a number of ways, including research, internal analysis, analytics, and any other legally permissible purpose.
Information We Collect Automatically
We may collect certain information automatically when you use the Services. This information may include your Internet protocol (IP) address, user settings, IMEI, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, details about your browser, operating system or device, location information, Internet service provider, pages that you visit before, during and after using the Services, information about the links you click, and other information about how you use the Services. Information we collect may be associated with accounts and other devices.
Cookies and Pixel Tags/Web Beacons
We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Services. Technologies are essentially small data files placed on your computer, tablet, mobile phone, or other devices that allow us to record certain pieces of information whenever you visit or interact with our Sites and Services.
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- Cookies. Cookies are small text files placed in visitors’ device browsers to store their preferences. Most browsers allow you to block and delete cookies. However, if you do that, the Services may not work properly.
- Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded on the Sites that collects information about users’ engagement on that web page. The use of a pixel allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement.
You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Information from Other Sources
We may obtain information about you from other sources, including through third-party services and organizations to supplement information provided by you. This supplemental information allows us to verify information that you have provided to us and to enhance our ability to provide you with the Services.
Information Sharing
We may share your Personal Information as set forth below:
Public Record Information
Please be aware that home sales and purchases may be a matter of public record, and your name and address, the price you paid, your property taxes, mortgage information, and other information may be available from public sites regardless of the mortgage company, if any, who assist in the transaction. We post on our Sites some information that typically becomes part of the public record of a home sale or purchase.
Non-Public Record Information: We share information obtained from you and other third party sources that is not on the public record to facilitate your mortgage transaction. This includes:
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- Service Providers to all Keystone Clients: Our company work with third parties to validate information provided by you to process your request for a mortgage. Examples include credit reporting agencies, fraud detection software, and providers of software used for document preparation and electronic signing.
- Mortgage Aggregators and Servicers: After closing, your loan will be sold to an aggregator of mortgages and serviced by a mortgage servicers. We share your information with this aggregator and servicer when the rights of your closed loan is transferred.
Requests
Through the Services, you can make a request to be referred to a local a real estate agent, receive help selling or buying a home, or submit other requests. When you make such a request through Keystone, you authorize Keystone to share your Personal Information including your contact information, preapproval letter with a real estate professional.
Service Providers
We may share your Personal Information with third-party service providers that assist us in providing the Services. We use reasonable efforts do so with the appropriate contractual protection in place to ensure that your Personal Information is protected and used only in accordance with this Privacy Policy.
Business Partners
We may provide Personal Information to business partners to provide you with a product or service you have requested. We may also provide Personal Information to business partners with whom we jointly offer products or services.
Third-Party Cookies and Information Used to Target Ads to You
We may share the information that we collect about you with others (including advertising networks and service providers) to tailor and serve you ads on our Services, as well as other websites and social media networks. This practice is commonly referred to as “interest-based advertising” or “online behavioral advertising.” These advertising networks track your online activities over time by collecting information through automated means, including through the use of Technologies (e.g., cookies, web-beacons and other methods). This allows Keystone to target our advertising to you through demographic, behavioral and contextual means. As a result, you may see ads for Keystone on other websites and social media.
APIs and SDKs
We may use third-party APIs and software development kits (“SDKs”) as part of the functionality of our Services. APIs and SDKs may allow third parties including advertising partners to collect your Personal Information to provide content that is more relevant to you. For more information about our use of APIs and SDKs, please contact us as set forth below.
Information Disclosed in Connection with Business Transactions
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, then your information may be sold or transferred as part of such a transaction as permitted by law and/or contract.
Information Disclosed for Our Protection and the Protection of Others
We cooperate with government and law enforcement officials or private parties to enforce and comply with the law. We may disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate: (i) to respond to claims or legal processes (including subpoenas); (ii) to protect our property, rights and safety and the property, rights and safety of a third party or the public in general; and (iii) to stop any activity that we consider illegal, unethical or legally actionable.
Other Purposes
Keystone may share your Personal Information for other purposes that are clearly disclosed to you at the time you provide Personal Information or with your consent.
Your Choices
General
You may have the right to object to or opt out of certain uses of your Personal Information. Where you have consented to the processing of your Personal Information, you may withdraw that consent at any time by contacting us as described below. Even if you opt out, we may still collect and use Personal Information regarding your activities on our Sites, Services and/or information from the advertisements on third party websites for other legal purposes as described above.
Electronic Messages, Phone Calls and other Communications
If you receive an unwanted email from Keystone, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding the Services or updates to our Terms of Use or this Privacy Policy).
Opting-Out of Technologies and Tracking
KF Cookies
We put Keystone cookies on your device’s browser to help us keep track of when you were last on the Sites, and what you last searched on the Sites. While you are free to disable cookies on your browser, we recommend that you leave cookies activated to use some of the most useful Keystone features.
Google AnalyticsWe use the Google Analytics service to help us analyze how people are using the Services, and Google is authorized to use Technologies to access Personal Information regarding visitors to the Sites. Additionally, we use Google Analytics to provide us with demographic data about our users on a de-identified basis. This Google service uses a cookie that can be recognized by Google or its affiliate DoubleClick when you visit other websites. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners. You can opt out of Google Analytics’ collection and use of data generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout.
Interest-Based Advertising
On our sites, apps and/or emails we and our third-party service providers may obtain information about your activities to provide you with advertising about products and services tailored to your individual interests. We and our third-party service providers also may obtain information for this purpose from third-party websites and apps.
We engage third-party advertising networks to help us target our messaging to visitors through interest-based and contextual means. Through these ad networks, we can track your online activities over time and across third-party websites and apps by obtaining information through automated means, as described above. This is sometimes called “interest-based”, or “online behavioral”, advertising. The networks use this information to show you advertisements on our Services or other third-party websites and apps that may be tailored to your individual interests. The information our ad networks may obtain on our behalf includes data about your visits to websites and use of apps that serve our advertisements, such as the pages or ads you view and the actions you take on those websites or apps. This data collection takes place both on our sites, apps and emails and on third-party websites and apps that participate in these ad networks. This process also helps us track the effectiveness of our marketing efforts. To learn how to opt out of this ad network interest-based advertising, click here: http://www.aboutads.info/choices or here: http://www.networkadvertising.org/choices in the US.
To the extent required by applicable law, we will obtain your consent before using your information for interest-based advertising.
Individual Rights in Personal Information
In accordance with applicable law, you may have the right to: (i) request confirmation of whether we are processing your Personal Information; (ii) obtain access to or a copy of your Personal Information; (iii) receive an electronic copy of Personal Information that you have provided to us, or ask us to send that information to another company (the “right of data portability”); (iv) restrict our uses of your Personal Information; (v) seek correction or amendment of inaccurate, untrue, incomplete, or improperly processed Personal Information; and (vi) request erasure of Personal Information held about you by Keystone, subject to certain exceptions prescribed by law. If you would like to exercise any of these rights, please contact us as set forth below.
We will process such requests in accordance with applicable laws. To protect your privacy, Keystone may take steps to verify your identity before fulfilling your request.
Sharing of Personal Information:
We do not share, sell, or disclose your personal information or mobile opt-in data to third parties without your explicit consent, except where required by law. Your information is kept confidential and used solely for the purposes you have agreed to. Mobile information will not be shared with or sold to third parties or affiliates for marketing and/or promotional purposes.
Opting Out of Text Messages:
You have the right to opt out of receiving text messages from “Insert Business name” at any time. To opt-out, you can reply “STOP” to any text message you receive from us.
Consent and Opt-In:
By providing your phone number and opting in to receive text messages, you consent to the collection and use of your personal information as described in this policy. We ensure that your consent is obtained explicitly and that you are informed about the types of messages you will receive
Information Retention
Keystone retains the information we receive as described in this Privacy Policy for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.
Information Storage and Security
Keystone is headquartered in the United States. You agree that we may store and process the information we collect anywhere in the world, including but not limited to, the United States, the European Union, or other countries.
We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unintentional disclosure.
By using the Services or providing Personal Information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services, by mail or by sending an e-mail to you.
Other Important Information
Children
The Sites and Services are not directed to children under 13 (or other age as required by local law), and we do not knowingly collect Personal Information from children. If you learn that your child has provided us with Personal Information without your consent, you may contact us at the email address below with the subject line “COPPA Child Information Request.” If we learn that we have collected any Personal Information from a child in violation of applicable law, we will promptly take steps to delete such information.
Supervisory Authority
If you are located in the European Economic Area, you have the right to lodge a complaint with a supervisory authority if you believe our processing of your Personal Information violates applicable law.
Links to Third Party Sites/Applications
The Services may contain links to other websites/applications and other websites/applications may reference or link to our Sites or other Services. These other websites and applications are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. Keystone does not endorse, screen or approve, and are not responsible for the privacy practices or content of such other websites or applications. Visiting these other websites or applications is at your own risk.
Changes to this Privacy Policy
Keystone may revise this Privacy Policy from time to time in our sole discretion. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use the Services after the new Privacy Policy takes effect.
Contact Us
If you have any questions about our privacy practices or this Privacy Policy, please contact us at:
Keystone Funding, Inc. | Corp NMLS: 144760
Attn: Legal Dept
519 S Red Haven Ln
Dover, DE 19901
Last Updated: November 19, 2019 | We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.