Last Updated and Effective: Jan 9, 2023
Notice to California Residents (Click here to learn more about your California Privacy Rights and for our Notice of Collection of Personal Information).
You are visiting a website owned and operated by MonitorMyRefi, LLC. MonitorMyRefi, LLC and its subsidiaries (collectively, “MonitorMyRefi”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.
MonitorMyRefi’s commercial loan Websites are designed for businesses and are not intended for individuals’ personal, family or household use. Accordingly, we treat all personal information collected for commercial loan products, including information about any visitors to our commercial loan Websites, as pertaining to individuals acting as business representatives, rather than in their personal capacity.
MonitorMyRefi is not acting as a lender or broker. The information provided by you to MonitorMyRefi is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising with in our network, your quoted rate may be higher or lower depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. MonitorMyRefi does not offer its matching services in all states. This loan may not be available for all credit types, and not all service providers in the MonitorMyRefi network offer this or other products with interest-only options. The information that we provide is from companies which MonitorMyRefi and its partners may receive compensation. This compensation may influence the selection, appearance, and order of appearance on this site. The information provided by MonitorMyRefi does not include all financial services companies or all of their available product and service offerings.
Information We Collect
How We Collect Information
How We Use Information
We may use collected information to:
Who Do We Share Your Information With?
MonitorMyRefi Affiliates: We may share information about you or provided by you with the MonitorMyRefi affiliates.
Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct MonitorMyRefi to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between MonitorMyRefi and its Network Partners, if you select a Network Partner through our Services, MonitorMyRefi may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. MonitorMyRefi and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. MonitorMyRefi may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
Financial Companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.
MonitorMyRefi Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.
Other Situations: We may also disclose information about you or provided by you at our sole discretion:
Cookies and Do Not Track
Marketing and Communications
Updating and Accessing Your Information
The appropriate method(s) for accessing your information, if any, will depend on which Site or Services you have used. Depending on the respective Site or Service, you may have the ability to view or edit some of your information online using the respective Site or Service’s interface. If you have submitted a loan request through us, you can update your information by contacting our Customer Care Department at hello@MonitorMyRefi.com. Our address is 418 Broadway STE R, Albany, NY 12207.
How We Protect Your Information
We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.
Visiting our Websites From Outside the United States
The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.
Compliance with Children’s Online Privacy Protection Rule
Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18without verification of parental consent, we will delete the information.
Online Tracking Opt-Out Guide
Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:
Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like PrivacyBadger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
Digital Advertising Alliance: http://optout.aboutads.info
Network Advertising Initiative: http://optout.networkadvertising.org/?c=1
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
Albany, NY 12207
NOTICE TO CALIFORNIA RESIDENTS
We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their personal Information, and the rights and choices we offer California residents regarding our handling of their personal information.
CCPA Scope and Exclusions
This CCPA Notice, including the description of our Privacy Practices and your Privacy Rights, apply only to California residents whose interactions with us are limited to:
This CCPA Notice does not apply to the personal information we collect, use or disclose about:
How you interact with us
Personal information collection
Sources of personal information
Purposes for which we may collect and use the personal information
Sign up for email alerts
Interact with our blogs
Establish an account
Name or alias
Research and development
Shared with service providers
Made public at your direction
Visit our websites
Receive and respond to marketing emails
Online activity data
Information derived from device data and online activity data
Internet or Network Information
Research and development
Collected directly by or shared with our service providers
Collected directly by advertising partners
Apply for our open positions on our website
Facilitate recruitment activities
Shared with service providers
Professional credentials and skills
Educational and work history Other resume data you provide
Diversity information you voluntarily provide
Disability information where necessary
Professional or employment information
Protected classification characteristics
Background check and/or drug testing companies
Employment agencies or recruiters
Process employment applications
Monitoring recruitment statistics
Collected directly by or shared with background check and drug testing companies
The CCPA grants individuals the following rights:
Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.
Access. You can request a copy of the personal information that we maintain about you.
Deletion. You can ask us to delete the personal information that we collected or maintain about you.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.
How to Submit a Request
To request access to or deletion of personal information:
Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.
Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Notice of Collection of Personal Information. We list the categories of your information that we collect and the business and commercial purposes for our use as described in the detailed chart above.