Personally-Identifiable Information You Provide to Us
Anyone can access our Web Site, but there are certain areas and services that require registration or provision of certain personal information if accessed, as described in greater detail below. If you choose to use such areas, we will ask for certain personally identifiable information, which may include name, mailing address, valid e-mail address and other personal information. We will also communicate with you in response to your inquiries, regarding any information or services you request, and to manage your account. We will communicate with you by e-mail or other method as directed by you. If you decline to supply or maintain with us certain information while using our Web Site, please understand that you may not be able to use or participate in some or all of the features offered through the Web Site.
LBA Ware collects information from Website visitors and users of Our Services in a variety of manners, and also obtains information from third parties, including our clients’ borrowers and service providers, in the course of providing Our Services to clients. This information includes:
(i) Information You Provide for Sales and Product Demo Inquiries
When you request information through one of the contact forms on the LBA Ware website, we ask you to provide your name, email address, company name, telephone number, loan origination system (LOS), referral source, and other optional information you may provide.
(ii) Registration Information
When you register to use one of Our Services, we may collect certain information from you, including your name, title, email, company name, company address, telephone number, billing and invoicing contacts, and other information that we use to contact you or provide services to you.
(iii) Usage Information
Like most online services, we collect standard technical information when you use Our Services, including but not limited to unique device identifies, internet protocol (IP) addresses, browser types, internet service providers (ISPs), the number and duration of page visits and the number of clicks.
(iv) Cookies and Other Technologies
We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of Our Services or email marketing campaigns. For example, we use web beacons in our email marketing to track where a user clicks through a link in the email.
(v) Do Not Track
We track site users over time, but not across third party web sites and not to provide targeted advertising, and therefore do not respond to Do Not Track (DNT) signals. We do not track site users across third party websites. However, some third-party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, your web browser may allow you to set the DNT signal on your browser so that third parties (particularly advertisers) know you do not want to be tracked. Third parties cannot collect any personally identifiable information from our Website or Our Services unless you provide it to them directly.
(vi) Borrower Information
In the course of delivering Our Services, we receive information about our clients’ borrowers, which is provided by our clients. Borrower information includes but is not limited to name, address, loan details, real estate values, and telephone number.
In some instances, we collect information directly from our clients’ borrowers, such as when we provide post-close surveys. We process this information on behalf of our clients. Our clients are responsible for providing notice and obtaining appropriate consents to collect data from their borrowers and to provide it to us as their service provider.
(vii) Transactional Information
LBA Ware may also create transactional records of each of the transactions or other events occurring through Our Services. This transactional information is generally collected for the purpose of calculating commissions, management, and reporting, to enable LBA Ware to provide Our Services, to enable the services provided by third parties, and to enable LBA Ware to comply with various legal obligations.
(viii) Messaging Services and Other Communications
LBA Ware enables users of certain services to communicate with each other and with LBA Ware through those services using messaging services like chat or email. We collect and process this information to enable our clients to communicate and collaborate.
(ix) Information from CompenSafe Users.
When you log in at the CompenSafe homepage, we collect and process your login ID and password to ascertain your identity and display the proper information to you.
(x) Information from LimeGear Users.
When you log in at the LimeGear homepage, we collect and process your login ID and password to ascertain your identity and display the proper information to you.
We use the information we collect in a variety of ways to provide Our Services and to operate our business, including the following:(i) To Provide Our Services
(iii) To Contact You
We may use your email address or other information we collect to contact you for administrative purposes such as client support service or to send communications, including marketing or promotional communications relating to Our Services. Generally, you have the ability to opt out of receiving promotional communications as described below.
(iv) To Aggregate, De-identified Data
We aggregate and de-identify data collected through Our Services and use it for purposes such as creating and publishing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
We take your privacy extremely seriously, and we never sell, trade or otherwise transfer lists or email addresses to outside parties. This does not include when you consent to us doing so, as well as in the following circumstances:
(i) To Our Clients
Transactional information collected through Our Services may be available to and shared with client account administrators or other client account managers, and third parties for commission and management purposes. LBA Ware clients may use certain information they collect through Our Services for marketing or promotional communications.
(ii) To Our Service Providers
We work with third party service providers to provide services, application development, hosting, maintenance, operations, and other services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to LBA Ware or to you.
(iii) In Aggregate, De-Identified Form
We may make certain aggregated, de-identified non-personal information available to third parties for various purposes, including:
(iv) Compliance with Laws and Law Enforcement and the Protection of Our Rights
We may disclose your information to a third party if,
(v) In Significant Business Transactions
Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
Our Website and Our Services may contain links to other sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, please contact them directly.
LBA Ware has physical, administrative and technical measures in place to maintain the security, confidentiality and integrity of the information gathered through the LBA Ware website and Our Services, and to help protect against the loss, misuse and alteration of such information. While we take reasonable steps to protect your personal information against security breaches and unauthorized access, no data transmission over the Internet can be guaranteed to be totally secure and therefore we cannot guarantee or warrant the security of any information you send to us.
You can access and update the information that you have provided to us as follows:
We have put in place security hardware, software and software update and network scanning procedures designed to safeguard and secure the information under our control and follow generally accepted industry standards. We work with third party service providers and vendors that use encryption and authentication to maintain the confidentiality of your personal information. Although we will exercise high levels of care in providing secure transmission of information between your computer and our servers and in storing that information on our systems, no method of transmission over the Internet, or of electronic storage, is 100% secure. As such, we cannot ensure or otherwise guarantee the security of information transmitted to us over the Internet.