Updated: 11/27/2023
This Privacy Policy applies to your interaction with Reliant Lending or any of its wholly owned subsidiaries, including, The Chris Kennedy Team (collectively, “we” or “us”). We operate https://www.thechriskennedyteam.com/ website and related mobile applications for the solicitation, origination, servicing, and sale of mortgage loans (hereinafter referred to as the “Service”). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
By using the Service (on and offline), you agree to the collection and use of information in accordance with this Privacy Policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personal Data includes, but is not limited to:
Email address;
First name and last name;
Phone number;
Address, State, Province, ZIP/Postal code, City;
Social Security Number;
Employment information;
Financial information such as your income, assets, liabilities, as well as information about your savings, investments, insurance, and business.
How We Obtain Personal Data
We collect Personal Data from a wide range of other sources in order to provide you the Service. These sources may include among others, directly from you, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies. We may also use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send.
How We Obtain Usage Data
We also collect information that your browser automatically sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address, browser type, browser version, the pages of our Service that you visit, the time spent on those pages, unique device identifiers, and other diagnostic data. When you access the Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
How We Obtain Location Data
We collect and store information about your location if you give us permission to do so (“Location Data”). We use Location Data to provide features of our Service, to improve and customize our Service. You can enable or disable location services when you use our Service at any time by way of your device settings.
Contact Forms
If you fill out a contact form on our site, we store that information in a database and use the information to respond to you regarding the reason you contacted us. In addition, we collect phone contacts in the mobile app when you share the app. We do not sell or share SMS opt-ins.
Use of Data
We use the collected data for various purposes:
To provide and maintain our Service;
To notify you about changes to our Service;
To contact you if there is a problem completing a transaction you requested or to discuss your account;
To allow you to participate in interactive features of our Service when you choose to do so;
To provide customer support;
To enable our financial services partners to implement automatic payments and funds transfer;
To gather analysis or valuable information so that we can improve our Service;
To monitor the usage of our Service;
To detect, prevent and address technical issues;
To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information; and
To comply with our legal obligations and rights.
Transfer of Data
Our Service (including our websites) is only intended for people located within United States. Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to the collection of data and subsequent transfer to the United States. We will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Disclosure of Personal Data
Disclosure for law enforcement
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
legal requirements
We may disclose your Personal Data in the good faith belief that such action is necessary to:
To comply with a legal obligation;
To protect and defend the rights or property of Reliant Lending;
To prevent or investigate possible wrongdoing in connection with the Service;
To protect the personal safety of users of the Service or the public; and
To protect against legal liability.
Service Providers
We employ third party companies and individuals to facilitate our Service, provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used (“Service Providers”). These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Security of Data
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
The security of your data is important to us but remember that no method of transmission over the Internet or method of storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
How We Respond to Do Not Track Signals
Our websites do not respond to or honor Do Not Track signals.
Analytics
We may use third-parties to monitor and analyze the use of our Service. Including:
Google analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information on the privacy practices of Google, please visit Google’s Privacy & Terms web page.
Links to Other Websites
Our Service may contain links to other websites or mobile applications that are not operated by us. If you click a third-party link, you will be directed to that third party’s website or mobile application. We strongly advise you to review the privacy policy of every website you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites, mobile applications or services.
Social Media
We encourage you to review your privacy options and settings with the social media platforms and networks you use to understand what choices you have about disclosing your information through those platforms and networks with us.
Children’s Privacy
Our Service does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
Contacting Us
If you have questions regarding this Privacy Policy, its implementation, failure to adhere to this Privacy Statement and/or the general practices of Reliant Lending and its affiliates, including requests under California Civil Code, please contact us at chris@thechriskennedyteam.com or send your request to:
Chris Kennedy
Attention: Legal Department
2100 Northop Avenue, Suite 900
Sacramento, CA 95825
We will use commercially reasonable efforts to promptly respond and resolve any problem or question.