Nexsys Technologies LLC Privacy Policy

Introduction

Nexsys Technologies LLC (“Nexsys”“Us”“We” and “Our”) respect your privacy and are committed to protecting it through Our compliance with this Privacy Policy. Nexsys operates various web pages, including the Clear Path®, Clear SignSM , Clear HOI web applications, Clear Path, Clear Sign and Clear HOI web portals, as well as several websites dedicated to Nexsys business (collectively, Our “Website(s)”) and a mobile application (Our “App”) (together, Our Website(s) and Our App are Our “Platform”) and have created this Privacy Policy to inform you of:

  1. What types of personal information may be collected through the Platform.
  2. With whom We may share the personal information.
  3. How We use the information collected.
  4. How personal information collected through the Platform is used.
  5. How We secure personal information you provide Us through the Platform.
  6. How you can correct any inaccuracies in the personal information We collect.

Our collection, use, storage, protection and disclosing practices for information that We collect from any individual who visits Our Website(s) or uses the services provided through the Platform for any purpose (“you” or “your”).

This policy applies to information We collect:

  1. On Our Website(s), via Our Platform, or Our App.
  2. In email, text, and other electronic messages between you and this website.
  3. When you interact with Our advertising and applications on third-party websites and services.
  4. For the purposes of conducting a transaction through Our Website or Platform.

This policy does not apply to information collected by:

  1. Any third party, including through any application or content (including advertising), that may link or be accessible from (or on) the Website.

Visiting Our Website or Downloading Our App.

Please read this policy carefully to understand Our policies and practices regarding your information and how We will treat it. By visiting Our Website, using Our Platform, providing Us with information online, or downloading Our App, you signify your consent to the collection, use and sharing practices described in this Privacy Policy. By providing your personally identifiable information to Us, you signify your consent to the information collection, use and sharing practices described in this Privacy Policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after We make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under thirteen (13) years of age. No one under age thirteen (13) may provide any personal information to or on the Website. We do not knowingly collect personal information from children under thirteen (13). If you are under thirteen (13), do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to Us, including your name, address, telephone number, email address, or any screen name or user name you may use. If We learn We have collected or received personal information from a child under thirteen (13) without verification of parental consent, We will delete that information. If you believe We might have any information from or about a child under thirteen (13), please contact Us at Privacy@nexsystech.com. California residents under thirteen (13) years of age may have additional rights regarding the collection and sale of their personal information. Please see your California Privacy Rights for more information.

Types of Information Collected and Shared.

We collect personal and non-personal information (i) that you provide to Us when using Our Platform, (ii) that you give to customer support team when communicating with Us offline or via email or (iii) automatically when you use Our Platform. This collection may include several types of information about users of Our Website, including:

  1. Personal information by which you may be identified, which you may provide to Us, such as your full name, street address, email address, telephone number, credit card number, credit card expiration date, the location and value of a property relating to a requested loan product or service, financial information about your assets and income, financial accounts, insurance and other information, is collected, stored, disclosed, and used only for the purposes described in this Privacy Policy, as otherwise indicated at the time We request such information from you, or where We reasonably believe use or disclosure is required by law.
  2. Information that is about you but individually does not identify you.
  3. Information about your computer, internet connection, including your Internet Protocol (IP) address, operating system, browser type, which is used to access Our Website or Platform, and usage details.

We collect and store some or all of the personal information:

  1. You provide directly to Us.
  2. Automatically as you navigate through Our Website or use Our Platform. Information collected automatically may include usage details, IP
  3. This personal information may be used to provide the products and services that you have requested with Nexsys or other entities, to process transaction(s), to send transactions confirmations and to provide customer service. We will not use the information you provided to Us through Our Platform for marketing purposes, and if Our practices change We will inform you of this change and, if appropriate, provide you a right to opt-out of these communications.

We may also collect non-personal information about users of Our Platform. The non-personal information that We collect on Our Platform is information that by itself cannot be used to identify or contact you, such non-personal information may include:

  1. Demographic information and other anonymous statistical data relating to the use of this Platform. For example, We collect and store certain non-personal information automatically whenever you interact with this Website, including your IP address, browser information and reference website domain name.
  2. Non-personal information regarding customer traffic patterns and site usage. When you download and use the App, We may collect non-personal information regarding your usage as well as device information, such as the type of device, the device’s unique device number, operating system, settings, mobile network information, and crash data. This information is used to analyze and improve Our Platform and to improve customer experience.
  3. Your IP address, browser and reference site domain name may be logged every time you visit Our Website.

We may share information we collect from you, both personally identifiable and non-personally identifiable, with business partners, including, but not limited to, your lender, your title agent, the title insurance company, companies We use to verify your identity credentials, the purchaser of your loan or where We reasonably believe required by law.

We have established several relationships with third parties’ vendors to best serve Our customers and to operate Our Platform. We may employ other companies and individuals, either affiliated or unaffiliated, to perform functions on Our behalf in connection with the operation of Our Platform. Examples include video recording of transactions, storage of video recordings, and authentication-related services. These third parties may have access to your information collected through Our Platform as needed to perform their functions but may not use it for other purposes.

From time to time, we may engage other third parties to assist in providing Platform evaluation services, order processing, fulfillment services, as well as customer service. In addition, we may engage third parties to provide services such as fraud protection and credit risk reduction, product customization, data analysis and data cleansing. These third parties will only have access to information to the extent necessary and will be required to not use any personal information for any purpose other than providing such services. We may share your personal information in response to a court order, subpoena, government investigation, or as otherwise required by law and by your use of the Platform, you consent to such sharing.

We may transfer your personal information in the event of a corporate sale, merger, acquisition, dissolution or similar event involving all or some of Our assets.

Subject to the terms and conditions of this Privacy Policy, any communication or material you give to Us or transmit or post to this Platform by email or otherwise, including any data, questions, comments, suggestions, or your navigation and any activity on the Platform (other than personally identifiable information which will be treated in accordance with this Privacy Policy), is and will be treated as non-confidential and non-proprietary and anything you give or transmit or post may be used by Us and Our affiliates for any purpose, including without limitation, reproduction, disclosure, transmission, publication, broadcast, and posting.

Consent to Audio Video Recording

Subject to the terms and conditions of this Privacy Policy and the Nexsys Terms of Use for Our Website and Platform, you acknowledge and agree that for the purposes of the intended transaction Nexsys record via audio video technology, any communication, material, or the transaction, and any such recording(s) will be retained for audit purposes. Nexsys WILL NOT sell or use such a recording for any purpose not related to the transaction for which the recording was created.

We are free to use any ideas, concepts, know-how or techniques contained in any communication or material that you give to Us or send to Our Platform for any purpose whatsoever including, but not limited to, developing and manufacturing products using such information.

We may also require entities such as lenders or title agents to provide information, which may include personal information relating to a borrower or signing agent, in order to access certain features of the Platform.

Cookies.

Also, like many websites and mobile apps, We use “cookies” or similar technologies on Our Platform, which are files stored on your device’s hard drive by your browser or App. These cookies help Us identify Our account holders and optimize their experience on the Platform. They do not include any data that will identify you personally. They will, however, allow you to use some specialized features of the Platform.

Most browsers provide you with the option to set your browser to accept all cookies, to notify you when a cookie is issued, or to not receive cookies at any time. The last of these, of course, means that certain personalized services may not be provided to you and accordingly you may not be able to take full advantage of all of the features on Our Websites. Currently, the Website does not respond to browser “do not track” signals.

From time to time, We may use the actions that customers take on Our Platform to customize Our products. We also track customer traffic patterns and site usage. Traffic and usage data are used only to improve Our Platform’s designs and operation and to provide Our customers with a more fulfilling experience.

Corrections/Updates to Your Data.

You can correct data relating to you, whether provided by you or another entity, by contacting the lender, title agent or insurer associated with your transaction. To correct the information, you need to end the session. If you have any questions or concerns about correcting or updating your Data, please contact the lender, title agent or insurer associated with your transaction.

Our Third Party Relationships

We have established several relationships with third parties’ vendors to best serve Our customers and to operate Our Websites.

  • Third Party Service Providers: We may employ other companies and individuals to perform functions on Our behalf in connection with the operation of Our Websites. Examples include fulfilling orders, removing repetitive information from customer lists, analyzing data, providing search results and links (including paid listings and links), processing credit card payments, hosting and operating the Websites and providing customer service. These third parties have access to your information collected through Our Websites as needed to perform their functions but may not use it for other purposes.
  • E-Commerce Services, Shipping Services: We may employ certain vendors to provide e-commerce services and customer service on Our behalf. These vendors have access only to information needed to accurately fulfill orders that are processed through such vendors and to provide customer services. These vendors have agreed to not use any personally identifiable information of customers for any other purpose.
  • Credit Card Processing: We use a third party to process credit card orders. We supply them with data for credit card authorization and fraud detection only and they are restricted from using the data for any other purposes.
  • Website Evaluation, Marketing and Promotions: From time to time, We may engage other third parties to assist in providing Website evaluation services, order processing, fulfillment and shipping services, as well as customer service. In addition, We may engage third parties to provide services such as fraud protection and credit risk reduction, product customization, data analysis and data cleansing. These third parties will only have access to information to the extent necessary and will be required to not use any personal information for any purpose other than providing such services. Also, you permit Us to share your personal information in response to a court order, subpoena, government investigation, or as otherwise required by law. We may transfer your personal information in the event of a corporate sale, merger, acquisition, dissolution or similar event. Additionally, We may share non-personal, non-individual statistical information with Our marketing partners, advertisers or other third parties for research purposes. That is, We will not tell Our marketing partners that you purchased a specific product, but we may tell them how many customers purchased that product.

Customer Service and Feedback.

If you have questions during the closing process, you may call the telephone number provided in the Help section of the closing window (located on the right side of the screen on the Website). If you need assistance or would like to provide feedback after the closing process, you should contact your lender. You also may provide feedback by calling the telephone number provided in the Help section of the closing window on the Website.

Security of Personally Identifiable Information.

We use Secure Socket Layer (SSL) encryption technology to protect your personal information. Personally identifiable information is stored on secure servers employing firewalls. We encrypt transmitted personally identifiable information and, where appropriate, We encrypt transmitted sensitive personally identifiable information at rest.

Sale of Data

We do not sell your data.

Security Policy

We use industry-recognized security safeguards to protect your data. We secure all data that’s sent to Us to protect it from loss, misuse and unauthorized changes. We protect your data using industry-standard security products and protocols, as well as carefully developed security procedures. Our security measures are reviewed on a regular basis by both Our internal team members and outside security specialists. We also hold Our team members responsible for keeping your data safe. Here are some ways we do that:

  • We require all team members to take regular training and sign a written statement acknowledging their compliance with Our security protocols.
  • We limit access to sensitive data only to team members based on their role.
  • We enforce strict password protocols.
  • We require authentication and authorization for team members to use, view or change information.

Changes to Privacy Policy.

If we are going to use your personally identifiable information in a manner different from that stated at the time of collection, We will notify you. You will have a choice as to whether or not we use your information in this different manner. In addition, if We make any material changes in Our privacy practices that do not affect user information already stored in Our database, we will post a revised version of this Privacy Policy on the Website notifying users of the change and it will be available within the App as well.

Questions about Our Policies.

If you have any questions regarding your privacy or any of Our policies, please contact the lender or title agent associated with your transaction.

Other Data Privacy Rights

You may have additional rights available to you regarding your personal information, such rights are dependent upon the laws and regulations of the state that you reside. To view your additional rights and disclosures related to such rights, please click here and select the appropriate state.

Such additional privacy protections are subject to individual state law and regulations and all states may not be available. If your state is not listed, and to the extent allowed by law, this Privacy Policy shall govern Nexsys’ use of your data and your rights to such personal information.

Your California Privacy Rights

If you are a California resident, learn more about your California privacy rights at the Nexsys Privacy Notice for California Residents.

To make a request to exercise your California privacy rights, please contact Us.

How to Contact Us about Your Data

We provide multiple methods for you to contact Us with questions regarding your data, Our Privacy Policy, other online privacy statements, Our information practices, or other aspects of privacy on Our Websites. When you email Us, your emails are stored within Our system so that we may refer to previous emails from you as needed so that we may properly address your questions and concerns.

By phone: (833) 494-4055

By email: Privacy@nexsystech.com

By Mail:

Nexsys Technologies LLC

Attn: Nexsys Legal

1054 Woodward Ave.

Detroit, MI 48226

Please include your phone number when contacting Us by mail so that we can promptly review, fulfill and reply to your request.

Effective Date

This Privacy Policy is effective as of December 31, 2019.