Commitment & Protection of Non-Public Personal Financial Information:
CountryWide Law (“CW”) respects the right to privacy of all our applicants, current and former customers, and is committed to providing the highest level of security concerning the collection, use, and sharing of your personal information, including through Countrywide.law (the “Website”). CW wants you to know how we will ensure our ongoing responsibility to safeguard the confidentiality of your personal non-public information. We want you to have the information you need to make an informed decision about sharing your information with us. This Privacy Policy explains our information collection and sharing practices, as well as the choices you can make to limit our sharing of your information.
Types of Non-Public Personal Financial Information Collected and its Sources, Use and Retention:
CW collects your personal non-public information in multiple ways: directly from you via our applications and forms; when you contact us via email or by telephone; from our third-party marketing affiliates and lead referral companies; from your creditors’; and other finance, banking, and credit reporting agencies. We may collect certain additional information about you from the websites of other companies with whom we have relationships, and your internet usage if you visit our website. The types of information we collect include but are not limited to, the following: your name, address, and telephone number; information about your creditors; account balances, transaction history, payment history, and other information contained in your credit card statements; and other debt information obtained from collection agencies and consumer reports.
CW has designed its processes concerning the collection of your personal information around protecting access to it. CW limits our use and retention of acquired non-public personal financial information to what we believe is necessary to administer our business, to communicate with you, to detect and prevent fraud, and to assist us in providing you with our highest quality of service and products that you need and that may be of benefit or interest to you. In addition, we may use your personal information to tailor, refine, and improve our products and services. We may also use your personal information in other ways for which we provide specific notice at the time of collection.
Security Procedures to Protect Non-Public Personal Financial Information:
CW maintains physical, electronic, and procedural safeguards for your non-public personal information against unauthorized access or use. Within CW your non-public personal information is restricted to employees who have a legitimate business need to access it including those who service your account or provide other services to you. CW employees are educated about the importance of maintaining the security of their personal information and are subject to a corporate code of ethics and policies that require it to be secure. You can aid us in maintaining the security of your personal information by not sharing it with anyone, and by limiting the transmission of personal information over such insecure methods as the internet or email. No such method of transmission can ever be 100% secure.
Sharing Information within Countrywide Law Companies:
CW may disclose information that properly identifies you, such as your name, address, social security number, email address, and other personal financial account information that we acquired about you. Specifically, CW may share your nonpublic personal information with its owned and affiliated companies (“Affiliates”), marketing service providers, creditors, and those third-party companies with whom CW has established a business relationship that will enable us to carry out contracted services for you and/or offer additional beneficial services or products to you to the extent permitted by law. CW holds its Affiliates to the same stringent policies and high standards concerning the security of your personal information as CW itself.
Sharing Information with Third Parties:
In addition to our Affiliates and the businesses and marketing service providers that are described above, CW reserves the right to disclose nonpublic personal information about you at its sole discretion, as permitted or required by law, in order to help us carry out our obligations to you, provide products and services that you might otherwise not be informed about, and to any third party with whom you specifically authorize us to share the information. We maintain strict procedures and protocols that dictate the circumstances around which we will provide information to your creditors when they call us, including requiring that the creditor confirm your name and the last four digits of your social security number. Under no circumstances, however, will we disclose your telephone number to one of your creditors. We will release your personal information if required by law, for example, if we receive a subpoena or otherwise believe in good faith that the law requires us to release your information. If CW sells any part of its business, CW may transfer your information to its successor, regardless of your opt-out status.
Links to Other Websites:
CW’s Website may contain links to other sites such as our Affiliates as well as third parties that are not owned or controlled by us. Please be aware that this Privacy Policy only addresses CW’s use and disclosure of your information. While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each Website that collects personally identifiable information. This Privacy Policy applies only to information collected by this Website.
Cookies:
CW uses cookies and other technologies on its website to enhance your online experience and to learn about how you use our services in order to improve the quality of the services we offer. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires within twenty-four hours of when you close your browser. A new cookie will be assigned to you when you next log in to the website. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys and our client portal, will be limited.
Do Not Track Disclosures:
We currently do not respond to do not track signals in browsers because we do not track individual users across the web. May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit Countrywide.Law? No.
Notice to California Residents:
We will not sell your personal financial information. In response to California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with non-affiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our Affiliates to comply with California privacy laws that apply to us. The following rights are conferred by the California Consumer Protection Act:
Right to know what personal information has been collected by the business and Access Your Information. You have the right to request the following from CW with respect to personal information collected about you:
Right to Have Your Information Deleted. You may request that we delete all of your information by sending such a request to support@countrywide.law. otherwise, request that we close your account. We will take reasonable steps to verify your identity prior to fulfilling your request. Once confirmed, your account will be closed and we will discard your personally identifiable data (if required by law), but we may retain certain data for internal business purposes as permitted by applicable law.
Right to Opt-Out of the Sale of Your Personal Information. As stated above, if you are a California resident CW will not sell your personal information.
Right to correct inaccurate personal information that a business maintains about a consumer. CW is committed to having the most up-to-date and accurate information on file as possible. Part of that process will depend on and rely on you to provide updated information if what we have on file is incorrect. Conferred by the CCPA, consumers have the right to correct inaccurate personal information that CW maintains. To change or update certain information, please contact support@countrywide.law or call us at (800-594-3362).
Right not to receive discriminatory treatment by the business for the exercise of privacy rights conferred by the CCPA. CW will not discriminate against you for exercising any of your CCPA rights, including but not limited to denying you goods or services; charging you different prices or rates for goods or services; providing you a different level of quality of goods or services; or suggest that you may receive a different price or rate for goods or services.
How to exercise rights conferred by CCPA:
Only the client or someone legally authorized to act on behalf of the client may make a verifiable request related to a client’s personal information. The verifiable request must provide sufficient information that allows CW to verify the client’s identity. To verify the client’s identity for request, the client must provide sufficient information that allows CW to reasonably verify they are the person information was collected from or an authorized agent. The client must describe with sufficient detail what is being requested so that CW may properly understand and respond. CW will strive to respond in a timely manner and not intending to be longer than forty-five (45) days.
How to exercise rights conferred by CCPA on behalf of someone else:
An authorized agent is permitted to make a request on behalf of the client of CW. To be an authorized agent, the client must provide to CW, in writing, their wishes to add or include this person as an agent who can make such requests on their behalf. Once CW receives this authorization, the agent can then make the necessary requests by following the steps provided above.
Notice to Vermont Residents:
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we do not share your information with non-affiliated third parties and that we limit the information we share with our Affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents:
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such a request in writing support@countrywide. law. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.
Notice to Users Outside of the United States:
This Privacy Policy is intended to cover the collection of information, including information collected on our Website, from residents of the United States. If you are visiting our Website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located, and our central database is operated. The data protection laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Notice.
Children:
CW is committed to protecting the privacy of children. Neither our services nor any of our communications are intended for or directed to minors, including anyone under the age of eighteen (18) years old. If you believe we have been provided with any minor’s personal information, please contact us immediately at:
Countrywide Law
3110 W Cheyenne Ave, #200
North Las Vegas, NV 89032
(800-594-3362)
support@countrywide.law
Opt-Out Option:
Federal Law provides that you have a right to prevent CW from sharing your information with our Affiliates, with third-party companies, or with marketing service providers. If you do not want CW to share your information with its Affiliates, third-party companies, or marketing service providers, please opt out by contacting our offices at the above-listed address. Once we have received your opt-out request, CW will cease sharing information with Affiliated or with third parties within a reasonable processing time.
Business Transitions:
In the event that CW goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Website for thirty (30) days of any such change in ownership or control of your personal information.
Changes to this Privacy Policy:
We reserve the right to modify this Privacy Policy at any time. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices. Any and all changes will be published in updated versions of this Privacy Policy and posted on our Website. We encourage you to check our Website frequently to see the current Privacy Policy to be informed of how we are committed to protecting your information and providing you with improved content on our Website in order to enhance your online experience. Contact Us if you have any questions, comments, complaints, or suggestions regarding our Privacy Policy or our Website, please contact us at (800-594-3362) or support@countrywide.law.
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