Xome Signings Privacy Policy

This Privacy Policy identifies the information that Xome Signings Inc ("Xome Signings" or "we" or "us" or "our") gathers from and about you – the users and visitors of our http://www.XomeSignings.com ("Website") and mobile applications – and describes how we use the information and the steps we take to protect and maintain your information. Please take a moment to read this Privacy Policy to understand how the information we collect from you may be used.

Information Collection

When you use our Website or mobile applications, we collect a variety of information from you, including personally identifiable information. This information is obtained from your online registrations, applications, or forms you may complete. For example, when you register to use the Website you provide us with certain personal information, such as your name, e-mail address, and state of residence. Further, we may collect information about your transactions with our affiliates or others, and may combine all information that is collected from your interactions with us, our affiliates and others. In addition, we may collect and store information such as your unique device identifier, the page or subject areas you visit, your browser program, Internet Protocol address, operating system and language, the state or country from which you accessed the Website or mobile application, the services you use, the information you request, the date and time of your visits, the websites you visited before and after visiting our websites, error logs, other hardware and software information, and the location of your wireless device in order to provide you location-based information.

Use of Cookies

We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "web beacons," which monitor your use of our websites. Tracking systems (web beacons or web bugs) are small strings of code that provide a method for delivering a graphic image on a web page for the purpose of transferring data, such as the Internet Protocol address of the computer that downloaded the page on which the web beacon appears, the Uniform Resource Locator of the page on which the web beacon appears, the time the page containing the web beacon was viewed, the types of browser that fetched the web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, web beacons let us know whether you received and opened our e-mail. On their own, cookies or web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish one of our websites with personally identifiable information, this information can be linked to the data stored in the cookies/web beacons. Through your ongoing use of the Website and mobile application, you specifically agree to our described use of cookies and web beacons. You may adjust the privacy and security settings of your browser or mobile device to reject cookies from us or from any other site. Additionally, by setting your web browser to display HTML e-mails as text only, you may be able to prevent the use of some web beacons. Please consult the "Help" section of your browser for more information, or consult the instructions set forth by your mobile service provider or mobile device manufacturer. However, certain areas of our websites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.

How We Protect Your Information

Keeping your personal information secure is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.

Information Use and Disclosure

Unless you choose to opt-out, by using the Website or mobile applications you consent that we may use or share information we have about you to enhance your user experience, customize and personalize the content provided to you on the Website or mobile applications, send you information about topics that may be of interest to you, perform research and analytics, and provide you communications related to your account. Further, we may share your information with others in the following ways:
With Affiliates of Xome Signings
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" among affiliates of Xome Signings. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
  • From your applications
  • From a credit report, such as your credit history
  • From sources used to verify representations made by you, such as your open lines of credit or employment history
Within Xome's family of companies
As a wholly-owned subsidiary of Xome LLC, we may share the customer information we collect with affiliate companies providing financial and other services, such as mortgage lenders, insurance agencies, title/escrow and other settlement services companies. If you prefer that we not share non-experience information about you with an affiliate of Xome, you may opt out. That is, you may direct us not to share this information by calling us toll-free at (800) 758-8052 or by making a written request to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067, alerts@xome.com. The Fair Credit Reporting Act also gives you the option of limiting our affiliates' use of your information that we share with them.
With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law
We may work with non-affiliated companies or organizations to provide you with opportunities to buy products or services offered by us or jointly with other companies. Consequently, we may disclose some or all of the information that we collect to the following:
  • Companies that perform services on our behalf, such as data processing companies, customer/support services and other vendors
  • Companies with whom we have joint marketing agreements
For your protection, we require that these companies keep all personal information secure and confidential. There may be additional times when it is necessary for us to use and share your information, and we may disclose some or all of the information that we collect as permitted by law. We may also disclose your personal information:
  • To comply with any court order, law or legal process, including responding to any government or regulatory request
  • To enforce or apply our Terms of Use and other agreements
  • To support compliance or audit requirements
  • To detect, prevent or otherwise respond to fraud, security or technical concerns
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Website, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
  • In the event of a merger, acquisition or other transfer involving all or part of our business
With Other Third Parties
We may disclose some or all of the information that we collect with non-affiliated companies or other organizations, including:
  • Financial service providers, such as mortgage bankers, title companies and insurance agents

California residents, review additional information about your privacy rights.

Maintenance of Accurate Information

We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling (800) 758-8052 or sending a written inquiry to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067, alerts@xome.com. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

Other Websites

The Website may contain hyperlinks to other Internet sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other sites. These other websites may collect and share data in a manner that is not consistent with our privacy practices. The Website may also contain hyperlinks to the Internet sites of Xome affiliates. This Privacy Policy applies only to the Website. The privacy policy of Xome affiliates may differ from this Privacy Policy, and any activity conducted on an affiliate's website is governed by the privacy policy of that affiliate. We encourage you to review the privacy policy of any website you may visit via hyperlink from the Website to ensure that you agree with the terms of that policy prior to using the site.

Changes to this Privacy Policy

We may revise this Privacy Policy from time to time as it deemed necessary. Any changes to the Privacy Policy will be posted on this webpage and take immediate effect. Please review this webpage on a regular basis to remain informed about the most recent terms of our Privacy Policy.

Acceptance of Privacy Policy Terms

Your ongoing use of the Website constitutes your acceptance of this Privacy Policy, including any changes to the Privacy Policy following the posting of such changes. If you do not agree with this Privacy Policy, please do not use this Website.

Children Under 13 Years of Age.

Pursuant to the Website Terms of Use, use of the Website by children under the age of 13 is prohibited. Consistent with this prohibition we will not purposely or intentionally collect any information of any child under the age of 13.