CIVIC provides what we believe to be reasonable physical, electronic, administrative and procedural safeguards in an effort to preserve the security, integrity, and confidentiality of all personal information collected. These protections include among other things, building security, controlled access to customer files, and technological safeguards such as use of passwords, firewalls, virus prevention, and detection software.
INFORMATION WE COLLECT
This Policy covers the information we collect about you to assist us in serving your financial needs, providing you with quality products and services, and satisfying legal and regulatory requirements. You may provide information to us in various ways, such as when you request information about us, our products and services, inquire about job postings, submit applications, forms, and surveys, or send us question, comments, or feedback. Personal information we collect may include, for example, your name, address, age, phone number, social security number, employment information, and financial information.
INFORMATION WE DISCLOSE
We will disclose personal information in your loan file if your loan is assigned to another creditor or serviced by another institution.
We may disclose certain of your personal information with any co-borrower or co-sponsor, or guarantor on your account, in order to process your application, service your account, and provide the products and services you have requested from us. We may disclose your personal information with third parties who assist us in the administration, processing, and servicing of your application and loan, as well as the research, analysis, and reports regarding the use of our websites and services. These third parties may include brokers, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans, among others.
We may also disclose information about you when we believe it is necessary or, appropriate: to: (i) comply with applicable legal requirements, (e.g. regulatory, court, and law enforcement demands); (ii) respond to an emergency or otherwise protect the rights and property of CIVIC and our employees, customers, or others, including to enforce any contract between you and us; (iii) address fraud, security, or technical issues; and (iv) in connection with, or during negotiation of, any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business or assets.
ACCESSING AND CORRECTING YOUR INFORMATION
You can review and update your Personal Information by logging into Origin8 at https://www.origin8now.com/ and visiting your account profile page. You may also send us an email at firstname.lastname@example.org . We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
We will retain your information for the period of time necessary to satisfy legal and regulatory requirements.
CALIFORNIA CONSUMER PRIVACY ACT AND DO NOT TRACK
We may use your personal information to communicate with you. We also may provide notifications to you that are required by law. You may not opt out of such services-related and legally required communications. Subject to applicable law, we may provide such notifications to you via email, text message, hard copy, or through conspicuous posting on our website. You can update your account information and profile settings at any time by logging into Origin8 and changing your profile settings or emailing email@example.com.
We may also send you marketing emails, including promotions and new product offerings. You can stop receiving marketing email communications from us by clicking on the unsubscribe link provided at the bottom of the communications. We make reasonable efforts to promptly process all unsubscribe requests. Furthermore, we may send marketing text messages to your mobile phone if you opt in. Standard message and data rates may apply. You can opt-out of these messages by replying STOP to any message or by emailing us at firstname.lastname@example.org.
CHILDREN'S ONLINE PRIVACY
Our websites are intended for use by ages 18 or older. We do not knowingly collect any personal information from minors and minors should not use our websites or our services at any time.
COOKIES AND INTERNET BASED ADVERTISING
When you visit our site or interact with us through your device we may collect “User Activity Information” through cookies, web beacons and other similar or related technologies (collectively, “cookies”). Cookies are small text files saved on your device via your browser as you visit our site. Web beacons (also known as pixels or tags) are a common form of web technology used on our site to monitor visits to certain pages within, interactions with, and the effectiveness of, our sites and our marketing efforts.
We provide all customers and other website visitors with the option of turning off the tracking cookies used on our website by visiting the homepage and clicking on the “Cookie Settings” link. Our website also recognizes Global Privacy Control signals. You can also delete or disable cookies through your web browser’s settings, as discussed in Internet Explorer, Firefox, Chrome, and Safari. You may opt out of the use of Google Analytics. Read the Google Analytics policy here.
To learn more about managing your preferences for ads online see the resources made available by the Digital Advertising Alliance at http://www.aboutads.info/ or via the Network Advertising Initiative at http://optout.networkadvertising.org/. You may also opt out of interest-based advertising on an iOS or Android device by selecting the "Limit Ad Tracking" option in the device’s settings.
This Policy does not govern the practices of third parties, including but not limited to their websites, services, and applications (“Third Party Services”). We cannot take responsibility for the content, privacy policies, or practices of Third Party Services. Please consult the privacy policies of these Third Party Services for additional information on their information collection, sharing, and protection practices.
We may modify this Policy from time to time. We will promptly make any changes available at www.civicfs.com/privacy-policy. Changes will be effective as soon as the revised Policy is posted, unless otherwise stated. Your continued use of our website after we post a revised version of this Policy signifies your acceptance.
This Policy was last modified on March 29, 2023.