Effective Date: March 21, 2022
Balance collects Personal Information from you, which may include your name, email address, address, phone number, any information you provide to us when you schedule a call with us and any information you may provide to us to receive a proposal, such as an estimate of your mortgage pay-off amount, the status of your mortgage, and the type of property you reside in. This information is collected and stored electronically when you schedule a call with us or request to receive a proposal.
If you access the Site via a mobile device, we may collect the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
We may also collect information about how you interact with the Site. This information is used by us for our business purposes, including for the operation and improvement of the Site, for technical troubleshooting, to maintain quality of the Site, and to provide general statistics regarding use of the Site.
We may use the Personal Information we collect for any of the following purposes:
We may use non-personal information or aggregate information that does not identify an individual without restriction, and we may share such information with third parties. For example, we may use non-personal information to conduct research and analyses to support our mission.
We may share your Personal Information as described below and as described at the point of collection:
Balance does not share your Personal Information with third parties for those third parties’ direct marketing purposes.
Like many organizations, our Site may use “cookies” and technologies similar to cookies (like web beacons and server logs) to help make sure the Site is meeting the needs of our users and to help us make improvements and to personalize your experience on the Site.
What are cookies? A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website or use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.
Duration of Cookies. We may use “session cookies” or “persistent cookies.” Session cookies are temporary and expire once you close your browser or once your session ends. Persistent cookies remain on your device for much longer or until you or your browser erase them. Persistent cookies have varying durations that are dependent on their expiration date.
What types of cookies do we use? Balance uses:
How do I control cookies? Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site.
Certain features of our Site may use local stored objects (or Flash Cookies), and are not managed by the same browser settings as those used for other cookies. For more information on how you can delete Flash Cookies, please read "Where can I change the settings for disabling, or deleting local shared objects?" available here.
Use of Google Analytics / Firebase Analytics. We use Google Analytics for Firebase or Firebase Analytics to collect information about how visitors use the Site, including how long you spend on each page of our Site, and how you got to the Site. Identifiers such as cookies and app instance IDs are used by Google Analytics / Firebase Analytics to measure user interactions with the Site and IP addresses are used to provide and protect the security of the Site and to give us a sense of where in the world our users come from. We do not use data collected by cookies or similar tracking technologies to identify who you are, but we do use certain demographic information such as your age range (e.g., 18-24 years old) and gender to better understand the users of the Site.
Google Analytics for Firebase collects mobile device identifiers (for example, Android Advertising ID and Advertising Identifier for iOS). You can disable this in the privacy settings on your device.
Social Media Plug-ins. We use social media plug-ins from social media networks like Facebook, Instagram, Pinterest and Twitter, which are labeled on our Site with the well-known symbols of the respective social network. If you interact with these plug-ins, your activity on the Site may also be made available to those social networks. In order to understand how those social media networks use and disclose your Personal Information, please review the privacy policies available on the websites of those social media networks.
You may see certain ads on other websites because we work with advertising partners (including advertising networks) to engage in remarketing and retargeting activities. Our advertising partners allow us to target our messaging to users through demographic, interest-based and contextual means. These partners track your online activities over time and across websites, including our Site, by collecting information through automated means, including through the use of third-party cookies, web server logs, and web beacons. They use this information to show you advertisements that may be tailored to your individual interests. The information our advertising partners may collect includes data about your visits to websites that participate in the relevant advertising networks, such as the pages or advertisements you view and the actions you take on the websites. This data collection takes place both on our Site and on third-party websites that participate in the ad networks. This process also helps us track the effectiveness of our marketing efforts. For example, we utilize certain of our ad partners’ targeted advertising services to show you our ads on other websites based on your prior visits to our Site and other online activity.
Provided that a company participates in industry-developed programs designed to provide consumers choices about whether to receive targeted advertising, you may opt out of ad network interest-based advertising generally through the Network Advertising Initiative website or by visiting http://www.aboutads.info/choices/ (web-based advertising) or http://www.aboutads.info/appchoices (for mobile advertising). To learn more, please visit the websites operated by the Network Advertising Initiative and Digital Advertising Alliance at www.networkadvertising.org/choices. Opting-out does not mean that you will stop receiving ads from us. It means that you still stop receiving ads from us that have been targeted to you based on your visits and browsing activity across websites over time.
We use Google Ads (AdWords) remarketing service is provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads.
Balance uses reasonable security measures designed to prevent unauthorized intrusion to the Site and the alteration, acquisition or misuse of Personal Information, however, we will not be responsible for loss, corruption or unauthorized acquisition or misuse of Personal Information that you provide through the Site that is stored by us, or for any damages resulting from such loss, corruption or unauthorized acquisition or misuse.
Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.
We do not knowingly collect or maintain personal information from any person under the age of thirteen. No parts of our Site are directed to or designed to attract anyone under the age of thirteen.