Privacy Policy

This section describes the categories of Personal Information we collect and the categories of third parties with which we share the Personal Information.

Prospective Customers: We may collect interest and demographic information for marketing purposes, using third parties who supply information about prospective customers, such as lead buy partners and data brokers.

All Users of the Sites ("Users"): We may collect device, usage, and activity information, as well as non-precise location information for security, system administration, marketing, and improvement purposes, in order to provide the Sites to Users. Data is collected by analytics providers and indirectly by observing Users’ activities and behavior while using the Sites, and may be stored by third-party analytics providers and behavioral advertisers.

Users Whose Activities Express Interest in Our Products or Services: We may collect interest and demographic information for marketing purposes. Data is collected by analytics providers and indirectly by observing Users’ activities and behavior while using the Sites, and may be stored by third-party analytics providers and behavioral advertisers.

Users and Other Individuals Who Apply for a Financial Product or Service, Including a Mortgage: We collect the following information: name and contact information, user-selected credentials (email address and password), business affiliation and information for affiliated business, application information, including purpose of application, guarantor information, residency information, asset information, and liquidity information, financial information, such as bank statements or other banking information, credit information, and identification. We do so to determine your eligibility for the requested financial product or service, to verify your identity and business affiliation, and for customer service and marketing purposes. Data is collected directly from Users, indirectly from agents of individuals seeking to apply for financial products or services on such individuals’ behalf, from third parties that provide information about creditworthiness, and from third parties that verify User-provided information. This information may be shared and verified using third parties that provide and/or compile information about creditworthiness, such as credit bureaus and consumer reporting agencies or verify User-provided information, and other financial institutions with which we work.

Users Who Pay an Appraisal Deposit in Connection With Their Application for a Financial Product or Service: We collect information about the payment transaction to confirm receipt of the deposit from our payment processing partner.

Users Who Provide Feedback or Send Us a Message Using the Sites, Including Users Who Use Our Sites’ Live Chat Features and Users Who Interact With Us on Social Media: Names and contact information, along with the contents of messages may be collected, in order to review, respond, and take responsive action, to improve our business and the Sites, and for marketing purposes. This is collected directly from Users, and shared with the third party providers or live chat capability or applicable social media companies.
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Users Who Apply for Employment With Us: We collect the following information: name and contact information, professional qualification information, including work experience, educational credentials, licenses, certifications, and references, work eligibility information, and equal employment information in order to evaluate the application for employment. This information is may be collected directly from Users, from third parties who verify professional qualification information, to the government, for equal opportunity reporting, payroll and benefits administration, and other administration of the employment relationship. This may be shared with third parties who verify professional qualification information.

‍Live Chat Conversations
‍If you use a chat feature on our Sites, we will collect all text and other data that you submit via that chat feature. If you use a chat feature while signed into your account, we may link the submitted data to your account. The information you share while using the chat feature may be shared with the third parties who provide and operate the live chat.

In addition to the sharing with the third parties described in the table above, we may also share your personal information with:
- Employees and Professional Advisors. We may share Personal Information with our employees and professional advisors, such as our attorneys, accountants, financial advisors, and business advisors, in their capacity as advisors to us.
- Processors/service providers. We share your personal information with third parties that provide services to us. We engage these kinds of third parties with contracts that require them to use your personal information only to deliver the services for which we have engaged the third party, and as required by law. These third parties provide business, professional, administrative, or technical support functions for us, such as payment processing, billing, data storage, quality assurance, and marketing.
- Legal compliance recipients. We disclose personal information to the courts, the government, law enforcement agencies, litigants, and similar recipients when required by law.
- Affiliates. We may disclose members’ personal information to our affiliates.
- Successors. We may disclose personal information associated with a part of our business to a buyer, potential buyer, or other successor to our business.  

We also may disclose personal information to third parties with your consent or at your direction.

Vontive does not sell Personal Information, and it does not share Personal Information for cross-context behavioral advertising. Vontive discloses Personal Information in the following circumstances:

The Sites use cookies, web beacons, and similar technologies, which fall into five categories: functional and performance technologies, which route traffic, retain preferences, and support account log-in; analytics and research technologies, which show how visitors navigate the Sites and which content they use most; location technologies, which infer non-precise location from IP address in order to deliver location-relevant content and verify eligibility; security technologies, which detect unauthorized access and other activity that violates the Terms of Use; and marketing technologies, which measure the effectiveness of Vontive's own advertising.

Analytics. Vontive uses third-party analytics services to measure Site traffic and performance. Vontive reviews this information at the level of broad usage trends; it does not use Site analytics to build marketing profiles of individual borrowers.

Session replay. Vontive uses session-replay tools to reproduce user sessions for troubleshooting and product improvement. These tools are configured to mask designated sensitive fields—Social Security numbers, passwords, bank account numbers, and other government-issued identifiers—so that recordings are designed to exclude that information.

Advertising measurement. Vontive advertises its products and services on third-party platforms and uses industry-standard measurement tools to determine whether that advertising is effective. Where these tools involve the transmission of identifiers, Vontive requires the receiving platform to act under contractual terms that restrict use of the information to measurement and related services performed for Vontive. Vontive does not permit advertising platforms to use Personal Information collected on the Sites to build cross-context advertising profiles.

Your choices. You can manage cookies through your browser settings, and mobile operating systems provide settings that limit ad tracking and reset the device's advertising identifier. Most advertising platforms also offer account-level controls over the advertising you see. Limiting cookies may affect Site features that depend on them, such as saved preferences and log-in. The Sites do not respond to “Do Not Track” browser signals, for which no uniform industry standard has been adopted. Because Vontive does not sell Personal Information or share it for cross-context behavioral advertising, no action is required to opt out of sale or sharing.

Embedded content. The Sites may embed maps, video, and similar content supplied by third parties. Those providers may collect information about your interaction with the embedded content—and, if you are signed in to an account with the provider, may associate that information with your account—under their own privacy policies, which Vontive does not control.

Email. If you provide an email address, Vontive may send you service and marketing emails. You may opt out of marketing emails through the unsubscribe link in any such email or by writing to compliance@vontive.com with “Unsubscribe” in the subject line. Opting out of marketing email does not stop transactional messages, such as messages about your application or account.

Calls and text messages. By providing Vontive a telephone number, including a mobile number, you consent to receive calls and text messages from Vontive and those acting on its behalf at that number concerning your inquiry, application, or account, including calls and messages placed using automated technology and prerecorded or artificial-voice messages. Vontive places marketing calls and sends marketing texts only where you have separately provided the express written consent applicable law requires; that consent is not a condition of obtaining any Vontive product or service, and you may decline to give it. You may revoke consent to calls or texts at any time—by replying “STOP” to any text message, by writing to compliance@vontive.com, or by any other method that reasonably ensures Vontive receives the revocation. Message and data rates and carrier access fees may apply.

Information collected through text messaging. Text-message conversations may include your name, contact information, and other information you choose to provide. Vontive uses this information to service your application and account, to verify your identity, to respond to inquiries, and to provide customer support. Vontive does not share mobile telephone numbers, text-message content, or text-messaging opt-in and consent data with third parties or affiliates for marketing or promotional purposes.

Postal mail and telemarketing. To opt out of postal marketing or telemarketing, contact Vontive as set forth in Section 13.

California residents. The Privacy Notice for California Residents describes the rights the California Consumer Privacy Act provides—including the rights to know, correct, and delete Personal Information—together with the procedures and timelines by which Vontive verifies and responds to requests. That notice is available at vontive.com/privacy-california and supplements this Policy.

Residents of other states. Residents of other states whose privacy laws grant comparable rights may submit requests to compliance@vontive.com. Vontive will verify and respond to such requests as the applicable law requires and within the time limits it prescribes. Certain information Vontive processes—including information subject to the Gramm-Leach-Bliley Act or the Fair Credit Reporting Act, and records that lending and anti-money-laundering laws require Vontive to retain—is exempt from some of these laws or from particular rights they create.

Corrections and updates. You may correct or update some information directly within your account. For other corrections, contact Vontive as set forth in Section 13.

The Sites are directed to adults. Vontive does not market to, transact with, or knowingly collect Personal Information from individuals under 18 years of age. A parent or legal guardian who believes a minor has provided Personal Information to Vontive may contact the company, which will delete the information as law requires.

Vontive maintains administrative, technical, and organizational safeguards—including encryption appropriate to the sensitivity of the information processed—designed to protect Personal Information against loss, misuse, and unauthorized access, disclosure, alteration, or destruction. No method of transmission or storage is completely secure, however, and Vontive cannot guarantee absolute security. If a breach affecting your Personal Information occurs, Vontive will notify you as applicable law requires.

Vontive retains Personal Information for as long as necessary for the purposes for which it was collected, or longer where law requires. In determining retention periods, Vontive considers the retention obligations applicable law establishes; industry practice; whether the purpose of processing justifies continued retention; the privacy risk continued retention presents; and the design and cost constraints of the systems involved.

The Sites are operated from, and intended for use in, the United States. If you access the Sites from elsewhere, your Personal Information will be transferred to and processed in the United States, and Vontive will handle any such transfer in accordance with applicable law.

The Sites may link to, incorporate, or be reachable from websites and services that Vontive does not control, including the third-party platform that hosts Vontive's blog. This Policy does not apply to those websites or services or to information you provide to them; their operators' own privacy policies govern. Vontive encourages you to review the privacy policy of every website you visit.

Vontive will update this Policy as its practices change and will post each revision to the Sites with a new effective date. Where a change materially affects how Vontive handles Personal Information already collected, Vontive will provide reasonable advance notice through the Sites before the change takes effect.