(Effective as of: April 27, 2021)Our Commitment to Your Privacy
We collect information about you when you use our Services. For example, depending on the Services you use and whether you create an account and related profile (“Modex Account”), we may collect:
We automatically collect information about you depending on how you use our Services, the areas of our Sites that you visit, as well as information about your computer or mobile device, including your IP address, phone number, device ID, physical location, browser and operating system type, and referring URLs, using various technological means (including “cookies” and other technologies such as pixel tags and web beacons, as further described below). This information is necessary for providing personalized and location-based content as well as for analyzing the use of resources, troubleshooting problems, preventing fraud, and monitoring and improving our Services. We may combine this information with information in your Modex Account to helpprevent fraud.
We may collect information about you from publicly available websites, such as LinkedIn, and we may also ask you to provide the URL of your LinkedIn profile. We may use the information we collect to create a profile, even if you do not have a Modex Account, or append it to your existing profile. You will have the opportunity to claim collected information relating to you and to change its visibility setting or remove the information. However, we cannot guarantee that we will not later collect from publicly available websites other information that pertains to you.Cookies and Other Technology
The Services may use “cookies” and other technologies such as pixel tags and web beacons.
Cookies are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. These technologies tell us which parts of our Sites you have visited and how you use our Services. They are also used to analyze and improve the design and functionality of our Services. If you choose to delete cookies from your device or block them from being stored on your device, please note that the full functionality of the Services may not be available to you.
“Web beacons” are images embedded in a Web page or email for the purpose of measuring and analyzing Services usage and activity. We, or third party service providers acting on our behalf, may use Web beacons to help us analyze usage and improve our Services.
We use the information we collect to provide, operate and improve our Services, respond to you, and foster a positive user experience. Our Services include providing an online platform for Mortgage Loan Officers (“LOs”) to anonymously connect with banks, mortgage banks, and mortgage brokerage firms (“Subscribers”) and coordinate a hiring process that can be optimal for both parties.
By registering with Modex, by managing your Modex Account, or by opting in when presented with choices, you have consented for us to use your information in the following ways:
Information you post in public areas of the Services or make visible in the LO candidate database may be accessed, used, and stored by others around the world, including those in countries that might not have legislation that guarantees adequate protection of personal information as defined by your country of residence. We do not control these third parties and we are not responsible for their use of information you give to us. Accordingly, you should not post sensitive information, or any other information you would not want made public, to any public area.
Our Services may include the display of and notice to you of personalized products, content, and advertising relating to your education, occupation, career history, skills and experience, awards, memberships and affiliations, activities, interests or other information we have collected about you. We use data we have about you to determine whether you might be interested in the opportunities, products or services of a third party. We may show you targeted ads online and may also email targeted ads. These ads are targeted (or retargeted) based on information we collect about you and information about you we acquire from third parties.How We Share Information
Some features of our Services are designed to provide LOs with access to opportunities and anonymously coordinate their next employment search. Our Services are also designed to provide Subscribers with LO candidates who meet their targeted interests or requirements. We may share information with third parties for their direct marketing purposes unless you opt out of such disclosure. We disclose your information as set forth below:
We share your information with third parties who help deliver our Services to you. Examples include hosting our web servers, analyzing data, providing marketing assistance, processing credit card payments, and providing customer service. These companies will have access to your information as necessary to perform their functions, but they may not use that data for any other purpose.
We may disclose information to third parties if you consent. For example:
for LOs who opt-in to be recruited, we will disclose or provide information from your Modex Account to Subscribers who may seek to hire you;
for LOs who give us consent to disclose their name, contact details and other personal information to a Subscriber, we will provide that information to the Subscriber in support of a hiring process;
if you previously chose to receive newsletters, commercial emails or other communications from us or third parties, but subsequently change your mind, you may opt out in those emails or by editing your Modex Account settings.
However, we will not disclose to Subscribers information in your Modex Account that is designated as non public.
We may also aggregate data regarding employment qualifications, education and professional qualifications, age, experience level, salary, commissions on loan originations (including compensation history for LOs by geographic areas, by types of loans originated, and by certain employers, if derived or acquired from public sources or not subject to confidentiality), Site and Services usage and other information. This aggregated data does not identify users individually, and may be used by us for any business purposes and made available to third parties, including Subscribers, LOs, investors, and the public.
We disclose information if legally required to do so, or at our discretion pursuant to a request from a governmental entity or if we believe in good faith – after considering your privacy interests and other factors – that such action is necessary to: (a) meet legal requirements or comply with legal process; (b) protect our rights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
We may disclose and transfer information to a third party who acquires any or all of Modex’s business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In addition, in the event Modex becomes the subject of an insolvency proceeding, such information will be disposed of in a transaction approved by the court. You will be notified of the sale of all or a substantial portion of our business to a third party by email or through a prominent notice posted on the Sites.
Even if you close or deactivate your Modex Account we will retain all the information we gather about you so that your repeat use of our Services is more efficient, practical and relevant until you change or remove your personal data as described below. You may access, review, correct, update, change or delete your Modex Account information at any time. Log into your account, go to your personal information page, and make the desired changes.
Access to or correction, update, or deletion of your personal information may be denied or limited by us if it would violate another person’s rights and/or as otherwise permitted by applicable law. If you wish to permanently delete or close your Modex Account and all account information altogether, please contact us at [email protected]. We will send you an email to confirm that your personal information has been deleted (other than archival copies which are not accessible by you or third parties on the Internet and information that has been anonymized and aggregated with data from other users). The archival copy is retained only for as long as needed for audit and record purposes. We will also keep logs and information that may relate to your activity on the site. We may retain and continue to use anonymized and aggregated information as long as we have a business purpose for doing so.Account Security
The security of your Modex Account relies on your protection of your password. You are responsible for maintaining the security of your password. You are solely responsible for any and all activities that occur under your Modex Account. You may not share your password with anyone. We will never ask you to send your password or other sensitive information to us in an email, though we may ask you to enter it into the Services. Any email or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.modexconnect.com should be treated as unauthorized and suspicious and should be reported to us immediately at [email protected]. If you do share your password with a third party for any reason, the third party will have access to your Modex Account and your information, and you are responsible for actions taken using your password. If you believe someone else has obtained access to your password,please change it immediately by logging in to your Modex Account and using the password change feature. If you believe that an unauthorized access has already occurred please report it immediately at [email protected]. We may have access to your password and may use such password to access your account for debugging, quality assurance, or other internal purposes.Security of the Services
We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure and we cannot guarantee its absolute security. In the event of an inadvertent disclosure of your personal information we will take all commercially reasonable steps to limit and remedy the disclosure as required by the applicable law. If you have any questions about the security of our Services, you can contact us via email at [email protected].Children
The Services are not intended for, nor do we knowingly collect information from, children under the age of majority. Consistent with the federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requiring parental consent. Any person who provides his or her personal information to us through our Services represents that he or she is 13 years of age or older.International Visitors
If you choose to use our referral service to tell a friend about our Services or an employment opportunity, we will ask you for your friend’s name and email address. We will automatically send your friend a onetime email inviting him or her to visit the Services. We store this information for the sole purpose of sending this onetime email and tracking the success of our referral program, and do not use this information for any other marketing purpose unless we obtain consent from that person or we explicitly say otherwise. Please be aware that when you use any send to a friend functionality through our Services, your name and email address may be included in the communication sent to your friend.How We Respond To Do Not Track Signals
Please note that your browser settings may allow you to automatically transmit a “Do Not Track” signal to websites and online services you visit. There is no consensus among industry participants as to what “Do Not Track”means in this context. Like many websites and online services, we do not alter our practices when we receive a “Do Not Track” signal from a visitor’s browser. To find out more about “Do Not Track”, please visit http://www.allaboutdnt.com.California Residents Your CA Privacy Rights