Effective Date: August 24, 2020
Updated: January 10, 2020
This privacy policy explains the types of information that Construction Finance, Inc (CoFi) (the “Company” “we” or “Our”) may collect, how we can use this information, under what circumstances we disclose the information to third parties, and your rights with regard to the information we collect.
We reserve the right to change this policy from time to time without prior notice to you. Any changes will be effective immediately upon posting the revised privacy policy. However, we will not use your personal information in a manner materially different than the purposes(s) to which you initially consented.
Our website is not intended for children. We do not knowingly collect personal information from children under the age of thirteen (13). If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed Personal Information to us, please contact us immediately.
BY CONTINUING TO ACCESS OUR WEBSITE OR USE OUR SERVICES, YOU AGREE TO THE TERMS OF THIS PRIVACY POLICY.
WHAT KIND OF INFORMATION DO WE COLLECT AND PROCESS?
1. Personal Information:
Personal information (“Personal Information”) is any information that identifies you or can be used to identify or contact you, such as your name, mailing address, phone number, and other similar information. When you complete our information request form, we will collect certain personal information about you. You may choose whether to provide Personal Information to us, but there may be times when that information is required to receive the benefit of our services.
2. Non-Personal Information:
Non-Personal Information is any information that does not personally identify you, including certain Personal Information that has been de-identified or rendered anonymous. We and/or our third party service providers may obtain non-personal information about you from information that you provide us, either separately or together with your Personal Information. We and/or our third party service providers also automatically collect certain non-personal information from you when you access our website.
3. Website Usage Information:
Cookies – A cookie is a data file placed on a computer when it is used to visit the website. Cookies may be used for many purposes, including tracking user preferences and web pages visited while using the website. You may be able to remove, reject, and/or disable some types of cookies using your browser’s preferences or other programs. Some features of the website may not function properly if you disable, delete, or refuse to accept cookies. Some of the cookies we use may be “Flash” cookies. A Flash cookie is a data file placed on a computer. While they are harmless, depending on your browser, these cookies may not be deleted when your cookies are deleted or disabled and, in some instances, they may cause your cookies to reappear in your browser. You can disable the use of cookies for our website or in general in the settings of your internet browser. Information on how this works can be found on your internet browser’s website as explained at:
● Internet Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-ma nage-cookies
● Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
● Apple Safari: http://www.apple.com/privacy/use-of-cookies/
● Google Chrome: https://support.google.com/chrome/answer/95647
HOW DO WE USE YOUR INFORMATION?
1. Personal Information:
The Personal Information you submit to us is generally used to fulfill your requests, respond to your questions, or serve you in other ways naturally associated with the circumstances in which you provided the information. We may also use this information to contact you with marketing or promotional information for our services, for internal business purposes, for purposes disclosed at the time you provide your information, or as otherwise set forth in this Privacy Policy.
In certain instances we may share your Personal Information with third party service providers who perform functions on our behalf, such as individuals that process requests for follow-up information. Our service providers agree to use the information we share with them only to carry out our requests. Except as provided in this Privacy Policy or as set forth when you submit the information, your Personal Information will not be shared with or sold to third parties without your consent.
2. Non-Personal Information:
We and our service providers may use technologies that automatically collect certain web site usage information whenever you visit or interact with the website. This information may include browser type, operating system, the page served, the time, the source of the request, the preceding page view, and other similar information. We may use this information for a variety of purposes, including to enhance or otherwise improve the website. In addition, we may also collect your IP address or some other unique identifier for the particular device you use to access the Internet, as applicable.
3. E-mail Communications:
We may send you e-mail: (a) if you request a particular service or sign up for a feature that involves e-mail communications; (b) if we are sending you information about our other products and services; (c) if you consented to being contacted by e-mail for a particular purpose; (d) if you send us an e-mail or otherwise submit information to us electronically, we may e-mail you to follow-up or otherwise communicate with you with respect thereto; (e) to provide you legal notices or notices with respect to your use of the website; or (f) to otherwise facilitate a transaction between us. You may “opt out” of receiving future commercial e-mail communications from us by clicking the “unsubscribe” link or following the other instructions included at the bottom of any promotional e-mails we send. We reserve the right to send you transactional e-mails such as customer service communications.
All email messages sent by us that are subject to archiving requirements are stored by us and every email that can be regarded as a business letter or is relevant for tax purposes will not be deleted during the period of the legal obligation to keep records in accordance with tax, commercial, and other applicable laws. For security reasons, we recommend that you refrain from sending non-public Personal Information, such as passwords, social security numbers or bank account information, to us by e-mail.
HOW WILL WE SHARE YOUR INFORMATION?
1. Your information may be shared with our employees and contractual partners. Your data may be transferred to Our employees and third parties who provide technical or organizational services for Us and are bound by instructions.
2. Your information may be shared with Our service providers.
We may use the services of other companies such as credit card companies for billing.
3. We may disclose your information if obligated by law.
We may be required to disclose personal data when necessary in response to lawful requests by public authorities, including disclosures to (a) fulfill a government request; or (b) conform with the requirements of the law or legal process.
WHAT RIGHTS DO YOU HAVE WITH REGARD TO THE INFORMATION WE COLLECT?
Your California Privacy Rights:
California’s “Shine the Light” law, Civil Code section 1798.83, provides residents of the State of California the right to request a list of all third parties to which we have disclosed certain Personal Information as defined under California law during the preceding year for third party direct marketing purposes. You are limited to one request per calendar year. In your request, please provide a current California address for our response. You may request the information by writing to us at the address provided below.
HOW DO WE SAFEGUARD YOUR INFORMATION?
1. Data Integrity:
We limit the personal data we collect to information that is relevant for the purposes of processing your requests for information and the other specific purposes set forth in this Privacy Policy. We do not process personal data in a way that is incompatible with the purposes for which it has been collected or subsequently authorized by the individual. We take reasonable and appropriate measures to retain personal data only for as long as we have a legitimate legal or business need to do so, such as customer service, compliance with legal or contractual obligations, retention for audit purposes, security and fraud prevention, preservation of legal rights, or other reasonable purposes consistent with the purpose of the collection of the information.
2. Data Security:
We use security measures to protect against the loss, misuse, and alteration of the information under our control.
● Any information stored in our online database is fully encrypted in transit and at rest.
● Email correspondence is hosted by Google (GSuite), which is encrypted by Google.
In the event that your Personal Information is compromised, we may notify you by e-mail (in our sole discretion) to the last e-mail address you have provided us in the most expedient time reasonable under the circumstances; provided, however, delays in notification may occur while we take necessary measures to determine the scope of the breach and restore reasonable integrity to the system as well as for the legitimate needs of law enforcement if notification would impede a criminal investigation. From time to time we evaluate new technology for protecting information, and when appropriate, we upgrade our information security systems.
3. Access:
We will provide individuals with access to personal data about them that we hold and a mean to request the correction, amendment, or deletion of that information where it is inaccurate.
4. Choice:
We will not sell or provide your information to any third party for any use other than that specified in this Privacy Policy. We will not use your Personal Information in any way that is inconsistent with the purposes outlined in this Privacy Policy or for which you have given consent. The website may include subscription and registration management tools, including opt-in or opt-out fields, that allow you to make changes regarding your preferences for receiving communications. Regardless of whether these tools are available through the website, you may contact us using the contact information provided below if: (a) you have questions, complaints, or problems with our Privacy Policy, including the way we collect or use your information; (b) you wish to make corrections to any Personal Information you have provided to us; or (c) you want to opt-out from receiving future commercial correspondence, including e-mails, from us (we may continue to send you transactional messages such as responding to your inquiries).
We will respond to your request and, if applicable and appropriate, make the requested change in our databases as soon as reasonably practicable. Please note that we may not be able to fulfill certain requests while allowing you access to certain benefits and features of our website.
Construction Finance, Inc. (CoFi)
1064 S N County Blvd Suite 200,
Pleasant Grove, UT 84062
435-557-0412 ext. 3
support@cofisoftware.com
