Privacy Policy

This Privacy Policy was last updated on June 3, 2020.
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Personal Information

Welcome to HomewealthIQ.com. This Privacy Policy applies to homewealthIQ.com (and any subdomains thereof) (the “Site”), which is owned, operated, licensed, and controlled by Barastone, Inc., a California corporation (together with its related, affiliated, and subsidiary companies, “Barastone,” “we,” or “us”). Barastone is committed to appropriately managing any personal information you share with us when using our Services. Personal information means information that can be used to identify an individual, such as a first and last name, financial information, a home or work or other physical address, telephone number, email address, driver’s license number or social security number or other identifiable information (collectively, “Personal Information”).

Barastone will use the Personal Information you provide to perform the function for which you provide it. For example, if you are applying for a Barastone or third party product, we use that Personal Information for evaluating your eligibility.

In addition to this Privacy Policy, you are subject to additional policies, such as our Terms of Use, Credit Report Policy, and Consent to Electronic Communications and Electronic Signatures (collectively, the Barastone Poicies)

IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY AND THE OTHER BARASTONE POLICIES, DO NOT USE THE SITE

Passive Data Collection

We are always working to make your online experience the best available. Various tools and techniques are used to gather and analyze website visits and sessions. One of the ways we gather information about customer visits is through cookies. Some of Barastone’s Services may utilize cookies, web tags, or other tracking technologies. A cookie is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. A web tag is code or a pixel embedded in a web page, or email, that allows Barastone or a third party to see that you have looked at that page.

We use cookies and web tags to enable our servers to recognize your web browser and tell us how and when you use the Services. Our cookies do not, by themselves, contain information that personally identifies you, and we don’t combine the general information collected through cookies with other such information to tell us who you are. However, we do use cookies to identify that you have logged in and that your web browser has accessed the Services. We may also store unique or near-unique identifiers that we associate with your Account in our cookies.

Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. Barastone uses analytics tools and other third party technologies, such as Google Analytics, to collect these website usage and user metrics on our online Sites (as defined by the Barastone Terms of Use) and/or Services. Note that, unless otherwise disclosed, this Privacy Policy covers our use of cookies only and does not cover the use of cookies by third parties.

We may allow third party service providers to use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Services. For example, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help us analyze how users use the Site, including if users browse the Site across multiple devices such as a home computer and mobile device, and enhance your experience when you use the Service. Your continued use of the Site indicates your consent to our use of Google Analytics. If you wish to opt out from Barastone’s use of Google Analytics go to https://support.google.com/analytics/answer/181881?hl=en for instructions on installing the Google Analytics opt-out browser add-on. For more information on how Google uses this data, go to https://www.google.com/policies/privacy/partners/.

Information in our tools

We make planning tools, such as mortgage and savings calculators, available. We do not currently store information that you enter into one of these planning tools or calculators in a format that identifies you. We do not represent the accuracy and use of these tools and you should independently verify the results.

Location Information

In some cases, we collect and store information about where you are located, such as by converting your IP Address into a rough geolocation. We may use location information to improve and personalize the Services for you, for example by showing you relevant local content.

Children

Barastone does not knowingly collect Personal Data from minors under the age of 18. If you are under the age of 18, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a minor under the age of 18 has provided Personal Data to Barastone through the Services, please contact us at privacy@barastoen.com, and we will endeavor to delete that information from our databases.

How your information is protected

We take a number of steps to protect your personal information. Consistent with industry standards, we have implemented security policies to protect and safeguard the personal information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. We authorize our employees, agents, service providers and contractors to get information about you only when they need it to do their work for us (e.g., in order to process your application and to originate and service your Home Equity Agreement). We require companies working for us to protect information. They agree to use it only to provide the services we ask them to perform for us.

Information Sharing and Disclosure

We do not sell and share personal information about you with other people or non-affiliated companies apart from providing products or services you have specifically requested or under the following conditions:

Product or Service Requests

If you enter a request for a financial, insurance or other product or service offered through this website we will share personal information included in your request form, such as your name, email, physical address, telephone number, and property information, with home equity agreement providers, lenders and partners in our provider network who offer the product you inquired about and like products with similar benefits to process and complete your request. Everyone on our network of providers, including banks, brokers and other firms are required to comply with state and federal privacy laws and regulations. HomewealthIQ.com and Partners on our provider network may contact you by telephone (including calls to a mobile phone or calls made using automated dialing), email, direct mail or any other method they may deem appropriate based on the information you supplied to us in order to process and complete your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission or any state equivalent Do Not Call List. If any of these firms calls you by telephone and you wish not to be contacted again by that firm, then you should notify that firm that you do not wish to be contacted again. If a firm ignores your request and contacts you again, please contact us immediately by sending an email to pricvacy@barastone.com. Please note that the home equity agreement providers and other firms may maintain the information you provided whether you choose to use their services or not.

Vendors

We sometimes share some of the information we collect with companies, such as marketing partners or other third parties that provide certain services for us such as marketing services, data verification and live chat. We may use the personal information that you supply to us and we may work with other third parties to bring selected retail opportunities to you via direct mail, email and telemarketing. These companies only have access to personal information necessary to deliver their service and may not share it with others or use it for any other purpose. If you do not want us to share your personal information with these companies or wish to opt-out from this sharing send us an email at pricvacy@barastone.com.

As Permitted by Law

In certain situations, Barastone. may be required to disclose personal data in response to lawful requests by public authorities, including to meet law enforcement requirements. We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, similar legal process or like circumstances. When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others. It may be necessary to share information in order to investigate, avert, or take action regarding illegal behavior, suspected fraud, and/or violations of Barastone’s Terms of Use, or as otherwise required by law.

Information Shared with our Agents in Order to Operate and Improve the Services

We may share Personal Information with third parties, such as service providers, when it is necessary for the conduct of our business. In such cases, we will have agreements with the third party service providers under which the providers agree to maintain the confidentiality of your information and to use it only to help us serve you.

Information Shared with Corporate Parents and Affiliates

We may share your personal information with our affiliated companies and our successors and assigns to improve our service to you, to bring to your attention programs and services in which you may be interested, and as is otherwise reasonably necessary for the conduct of our business.

From time to time, we may share your name, contact information, or other personal information with unaffiliated business partners for their use in marketing their products and services to you.

Information Disclosed for Our Protection and the Protection of Others

Information We Share with Your Consent or at Your Request: If you ask us to release information that we have about your Account, we will do so if reasonable and not unduly burdensome.

We may share personal information with others:

  • when necessary in order to resolve customer disputes and complaints
  • to protect against fraud
  • to respond to a subpoena
  • to report to a credit bureau; and
  • when otherwise necessary to comply with laws, regulations, and judicial or administrative orders and directives.
Information Shared with Other Third Parties

We may share or disclose non-private information, Aggregate Information, or other non-personally identifying information with people and entities that we do business with.

Communication with us

As part of the Services, you may occasionally receive email and other communications from us. Administrative communications relating to your Account are considered part of the Services and your Account, which you may not be able to opt-out from receiving.

You may also receive other kinds of emails, offering products and services from our affiliates or non-affiliates, which you can opt-out of using the “Opt-Out” link in the emails themselves. Note that we will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.

If you provide us with an email address or phone number, or choose to communicate with us by email or phone, then emails or phone calls from us to you will be considered to be sent or made with your consent.

Third party websites

This Website may contain links to third party websites. We are not responsible for the privacy practices or the content of these websites. Our website may also use third parties to present or serve advertisements that you may see at our Website. These third party ad servers may use cookies, web beacons, clear gifs or similar technologies to help present such advertisements and to help measure and research the advertisements’ effectiveness. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy. Before providing personally identifying information to any third party website, you should review its privacy policy and practices.

Cookies and Tracking Technologies How to Opt Out

If you would prefer not to accept cookies or otherwise wish to disable our use of tracking technologies, most browsers and mobile devices allow you to change your settings so as to notify you when you receive cookies or other tracking technologies are being used, and to choose whether or not to accept/allow it. Most browsers also allow you to disable or delete existing cookies or to automatically reject future cookies. Disabling cookies may limit your ability to use the Site.

If you’re in the EU, you can request additional information about your choices with respect to any tracking technologies, including requests for such information be deleted by emailing privacy@Barastone.com.

Certain tracking technologies we use involve the use of session replay scripts or other scripts that run directly from your browser. If you wish to disable these tracking technologies, you can install a third-party browser analytics blocker plug-in such as Ghostery.

Changes to this Privacy Policy

The Services, relevant privacy laws, and our privacy practices may change from time to time. As a result, at times it may be necessary for Barastone to make changes to this Privacy Policy. Barastone reserves the right to update or modify this Privacy Policy at any time without prior notice. When Barastone makes changes to this Privacy Notice, we will post the updated notice on this Site and update the date on which this Privacy Policy was last updated. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services and this Site after the posting of changes to this Privacy Policy constitutes your acceptance of the revised Privacy Policy.

Where to direct questions or concerns

If you have any questions or concerns regarding privacy using the Services, send us an email at privacy@Barastone.com.