3. Types of Data We Collect
a. Information You Provide to Us.
i. We may collect Personal Information from you, such as your first and last name, email address, phone number, and the license number of your real estate agent (or your license number if you are a real estate agent) when you create an account to log in to our network (“Account”). Each time you sign on, rather than requiring a password, we will send you an SMS message with a unique code that you should enter in the sign-on screen in order to access your Account. We may associate the phone number you submit during the Account registration process to your mobile device identification information. As a borrower, by registering an Account, you can save information such as chats and loan documents for later review and update.
iii. As a borrower, if you choose to submit loan or financing-related documents to your loan officer through the Services, including, for example, a photograph of your driver’s license or other government-issued identification, you must give us permission to access your mobile device’s camera and photos. We collect the photographs you submit to the Services when you use your mobile device’s camera through our Services or otherwise upload photographs from your mobile device to our Services. These photographs and other documents that you upload through the Services are shared with your loan officer(s) and other entities that assist in your loan process.
iv. If you tell us where you are located (e.g., by allowing your mobile device to send us your location), we may store and use that information to provide you with location-based information. If you want to deactivate this feature, you can either delete and reinstall the Application or deactivate location tracking on your mobile device.
v. We retain information on your behalf, such as your chat conversations with the OD Homes Brokerage chatbot and/or with your loan officer through the Services.
vi. If you provide us feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
vii. When you participate in one of our surveys, we may collect additional information.
viii. We may also collect Personal Information, such as at other points in our Website, Application, and Services that state that Personal Information is being collected.
b. Information Collected via Technology.
i. Information Collected by Our Servers. To make our Website, Application, and Services more useful to you, our servers (which may be hosted by a third party service provider) collect information from you, including your browser type, operating system, Internet Protocol (“IP”) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and/or a date/time stamp for your visit.
v. Mobile Services. We may also collect information from your mobile device if you have downloaded our Application(s). This information is generally used to help us deliver the most relevant information to you. Examples of information that may be collected and used include your geographic location, how you use the Application(s), and information about the type of device you use. In addition, in the event our Application(s) crash on your mobile device, we will receive information about your mobile device model software version and device carrier, which allows us to identify and fix bugs and otherwise improve the performance of our Application(s).
c. Information Collected from Third Parties.
i. We may receive additional information about you from third party partners, service providers, and affiliated businesses, including credit reporting agencies, employment and income verification agencies, as well as lenders, and combine it with other information that we have about you.
ii. If you are listed as a co-borrower on a loan, we may collect information about you from a registered user who has an Account with the Services in order to process the loan.
iii. A registered user may also have the opportunity to invite a co-borrower to create an Account with OD Homes Brokerage and use the Services.