Privacy policy

8/3/2021

At TopAgentsRanked.com, operated by Referral Exchange (“Company”), we are committed to protecting your privacy and creating a safe and secure online environment for anyone who visits or uses the TopAgentsRanked.com (“Site”). This Privacy Policy (the “Privacy Policy”) describes our privacy practices. This Privacy Policy applies solely to information that we collect through and/or in connection with your use of the Site and/or any services provided by us through the Site (all of the foregoing, collectively, the “Services”). This Privacy Policy does not address information that you provide to us in other contexts, such as a business relationship not handled through the Services. If you are a California resident and would like to exercise your California privacy rights, please see our California Consumer Privacy Act (CCPA) Disclosures Section below.

Acceptance of Privacy Policy & Modifications

By using the Services or creating an account with us, you are accepting the practices described in this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Services.

This Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. We display the “last updated” date on the policy in the upper right corner of this Privacy Policy so that it will be easier for you to know when there has been a change. If we decide to change our Privacy Policy, we will post those changes to this Privacy Policy, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this Privacy Policy at any time, so please review it frequently. All updates and modifications to Privacy Notice will be effective from the day they are posted online (except as stated below. If we make material changes to this Privacy Policy, we will notify you here, by email, and/or by means of a notice on our homepage prior to the change becoming effective. If you do not agree to any updates or modifications to the Privacy Policy, simply do not use or access the Services (or any part thereof). Your continued use of the Services after we have posted the updated Privacy Policy, or, in the event of material changes, ten (10) days following the date we posted the notice of such changes on the Site and/or notified you through email, as applicable, signifies to us that you acknowledge and agree to be bound by the revised Privacy Policy.

What Personal Information Do We Collect?

We collect various types of information depending on how you access and use the Services. “Personal information” and/or “personal data” means information and data that identifies you or could reasonably be used to identify you. Examples of personal information include your name, address, phone number, and/or email address.

In some circumstances, we collect information directly from you, as described in the “Information Collected Directly” Section below. In other circumstances, you may not provide us information directly, for example, you may visit our Site and search for homes without directly providing us with any personal information, in which case, we may collect information from you indirectly as described in the “Information Collected Indirectly” Section below.

Information Collected Directly

Registration Information

In order to use this Services to buy or sell a home, the home seller or buyer must first create a username and password. During registration, users are required to give the Company contact information, such as their name, email address, home address, and phone number.

Loan or Realty Requests

If you submit a loan or realty request through the Site, you will be required to provide detailed information about each loan or realty request such as your name, phone number, e-mail address, property address, and price range.

Note that by submitting a loan and/or realty request, you expressly consent to being contacted by us, or our service providers acting on our behalf, and by Lenders and Real Estate Agents via phone, email, mail or other reasonable means, at any of your contact numbers or addresses, so that we may facilitate your request and provide the Services to you.

Contacting Us

If you use the “Contact Us” page of the Site, you will be asked to provide your name, email address, phone number and information regarding your request.

Reviews and Ratings

If you choose so submit a review and/or rating of any participating banks, lenders, or brokers (collectively, “Lenders”) and/or real estate agents (“Real Estate Agents”) in our network (a “Review”), we may collect your name and any other information you provide in your review. By submitting a Review, you grant Company the right to publicly post and publish the Review at our sole discretion. If you wish to update or delete your Review, you can contact us at support@topagentsranked.com.

Information Collected Indirectly

Usage Information - Profile

Company stores information collected through cookies, or log files to create a “profile” of user preferences. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. Company ties user’s personal information to information in their profile, in order to provide tailored promotions and marketing offers and improve the content of the Site for user.

Cookies and Other Tracking Technologies

Company and its partners, affiliates, analytics, or service providers use technologies such as: cookies, beacons, tags and scripts. These technologies are used in analyzing trends, administering the Site and Services, tracking users’ movements around the Site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

Third parties with whom we partner to provide certain features on our Site or to display advertising based upon your web browsing activity use local shared objects (LSOs), such as HTML 5, to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs, please click here .

Aggregated Data

With the personal information and other data collected by us, we process “Aggregated Data”, such as statistical or demographic data. Aggregated Data may be derived from personal information, but is not considered personal information under the law if it does not directly or indirectly reveal an individual’s identity. If we combine or connect Aggregated Data with personal information so that it can directly or indirectly identify an individual, we treat the combined data as personal information, which will be processed in accordance with this Privacy Policy.

Behavioral Targeting/ Re-Targeting

We partner with a third party to either display advertising on our Site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this Site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here .

We use Google AdSense/Adwords to publish ads on this Site. When you view or click on an ad a cookie will be set to help better provide advertisements that may be of interest to you on this and other websites. You may opt-out of the use of this cookie by visiting Google’s Advertising and Privacy page.

How Do We Use Your Personal Information?

When you submit information to TopAgentsRanked.com for a loan or realty request, we use this information to facilitate and provide you the Services you request, including without limitation, matching you with our network of participating Lenders, and Real Estate Agents (“Real Estate Agents”).

In addition, depending on how you use the Services, we may use your information to:

·         Deliver direct marketing communications to you regarding our products and services that we may think are of interest to you;

·         Respond to your queries and requests, or otherwise communicate directly with you (including, without limitation, via SMS text messages);

·         Detect any fraudulent or illegal activity against you, the Company, or its other customers and users of the Services;

·         Perform system maintenance and upgrades, and enable new features;

·         To comply with a legal or regulatory obligation (for example, keeping records of our sales for tax compliance); and

·         Provide information to regulatory bodies when legally required, and only as outlined below in Legal Obligations and Security.

Do We Disclose Any Personal Information to Outside Parties?

We will share or sell your personal information with third parties only in the ways that are described in this Privacy Policy. Your trust and confidence are our highest priority. For questions or concerns regarding our Privacy Policy, please contact TopAgentsRanked.com as described in the “Contact Company” section at the end of this Privacy Policy.

Disclosures to Third Parties Assisting In Our Operations

Company may share your personal information under confidentiality agreements with other companies that work with, or on behalf of, Company to provide products and services. These companies may use your personal information to assist Company in its operations. However, these companies do not have any independent right to share this information.

Disclosures to Lenders and Real Estate Agents

If you submit a loan and/or realty request, we will share your information with any Lenders and/or Real Estate Agents that we have matched you with.

Note that Lenders and Real Estate Agents are not our service providers, and they may use your personal information differently than we do, and we do not control their use of your information. Please make your choice to share your information carefully and review your agreements with, and the privacy notices of, all other third parties you decide to share your information with, if applicable.

Company will not be able to contain or retrieve personal information once it has been shared or disclosed, and Company will have no responsibility or liability for any consequences that may result because we have released or shared personal information with others in connection with your request.

Disclosures Under Special Circumstances

If we are required to disclose personal information by law, such as pursuant to a subpoena, warrant or other judicial or administrative order, our policy is to respond to requests that are properly issued by law enforcement within the United States. Under such circumstances, unless prohibited by applicable law, we will attempt to provide you with prior notice that a request for your information has been made in order to give you an opportunity to object to the disclosure. We will attempt to provide this notice by email, if you have given us an email address. However, government requests may include a court-granted non-disclosure order, which prohibits us from giving notice to the affected individual. In cases where we receive a non-disclosure order, we notify the user when it has expired or once we are authorized to do so.

Note that if we receive information that provides us with a good faith belief that there is an exigent emergency involving the danger of death or serious physical injury to a person, we may provide information to law enforcement trying to prevent or mitigate the danger (if we have it), to be determined on a case-by-case basis.

Business Transfers 

We may share your personal information with other business entities in connection with the sale, assignment, merger or other transfer of all or a portion of Company’s business to such business entity. We will require any such successor business entity to honor the terms of this Privacy Policy.

If TopAgentsRanked.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Links to Third Party Websites

This Site may contain links to web sites maintained by third parties. Please be aware that these links are provided for your convenience and reference only. Company does not operate or control in any respect any information, software, product or services available on such Web sites. Company’s inclusion of a link to a web site does not in any way imply an endorsement of the services or the site, its contents, or its sponsoring organization. When you connect to a website that is linked to our Site, we encourage you to read the privacy statements of that website. This Privacy Policy applies solely to information collected by this Site.

 

Security & Data Retention

Company follows generally accepted industry standards to protect the personal information you submit to Company, both during transmission and once Company receives it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while Company strives to use commercially acceptable means to protect users’ personal information, Company cannot guarantee its absolute security.

Personal information is processed for the period necessary to fulfill the purposes for which it is collected (for example, to perform our obligations to you in connection with your use of the Services), to comply with legal and regulatory obligations and for the duration of any period necessary to establish, exercise or defend any legal rights. In order to determine the most appropriate retention periods for your personal information, we consider the amount, nature and sensitivity of your such information, the reasons for which we collect and process your such personal information, and applicable legal requirements.

In some instances, we may choose to anonymize your personal information instead of deleting it, for statistical use, for instance. When we choose to anonymize, we make sure that there is no way that the personal information can be linked back to you or any specific individual.

If you have any questions about our security and/or data retention practices, please send an email to company at support@topagentsranked.com.

Your Choices

Access to Personal Information

If your personal information changes, or if you no longer desire to use the Services, you may correct, update, delete, or deactivate it by (i) making the change on our member information page, (ii) emailing our Customer Support at support@topagentsranked.com. Please note that we do not control the use of your information by Lenders and/or Real Estate Agents that has been shared with such Lenders and/or Real Estate Agents in connection with a loan and/or realty request made by you. Any request for the deletion of your information by Lenders and/or Real Estate Agents will need to be directed to the applicable Lenders and/or Real Estate Agents.

Opt-Out/Choice – Direct Marketing

You may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any of our marketing e-mails, or by sending us an email to support@topagentsranked.com; calling: (877) 695-9300; or you can write to: Attn: Customer Support, TopAgentsRanked.com, PO Box 3634, Seattle, WA 98124-3634.

We will use commercially reasonable efforts to process such requests in a timely manner. You cannot opt out of receiving transactional e-mails related to the Services (e.g., requests for support).

Cookies – Our Response to “Do Not Track” Signals

With respect to your choices regarding cookie and other tracking technologies, most web and mobile device browsers automatically accept cookies, but if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browsers or mobile devices. Please note, however, that by blocking or deleting cookies used on the Services, you may not be able to take full advantage of the Services.

Some Internet browsers include the ability to transmit “Do Not Track” signals. Since uniform standards for “Do Not Track” signals have not yet been adopted, Company does not process or respond to “Do Not Track” signals.

Children's Privacy Protection

Company understands the importance of protecting children's privacy in the interactive online world. The Site is not designed for, or intentionally targeted at, children under 18 years of age. It is not our policy to intentionally collect or maintain information about anyone under the age of 18. No one under the age of 18 should submit any personal information to Company or the Site.

Sensitive Information

We do not require you to provide any sensitive data about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic, and biometric data to use the Site or Services.

California “Shine the Light” Disclosures

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Site and/or Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an email at support@topagentsranked.com or by calling us at our toll-free number: (877) 695-9300 or reach out to us in a manner prescribed in our Privacy Policy.

California Consumer Privacy Act (CCPA) Disclosures for California Residents

These CCPA Disclosures are effective and have been last reviewed as of the dates set forth below.

a.    Introduction

Who and what information is subject to these CCPA Disclosures?

These CCPA Disclosures supplement the information contained in our Notice above and applies solely to all visitors, users, and others who reside in the State of California (“Consumers” or “you”). We adopt these CCPA Disclosures to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this notice.

For purposes of these CCPA Disclosures “personal information” means information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or device or household. Personal information does not include:

·         Publicly available information from government records.

·         De-identified or aggregated Consumer information.

·         Information excluded from the CCPA’s scope, for example:

o    Health or Medical Information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;

o    Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

b.   Notice at Collection

In this Notice at Collection section, we are addressing disclosure requirements under California Civil Code §1798.100(b) and California Attorney General Regulations § 999.305 at or before the point of online. We collect the categories of personal information about Consumers as described in Section 2 of this Notice titled Information Collected.

c.    Additional Disclosures of Personal Information, Sale of Personal Information

Beyond the disclosures set forth in Notice at Collection above, we are providing additional disclosures about consumer rights and our personal information handling practices in the preceding twelve months with respect to the Services, as required by the CCPA and regulations of the California Attorney General, including §999.308 (Privacy Policy).

We have set out below the categories of personal information we have collected about Consumers in the preceding 12 months and, for each category of personal information collected, the categories of sources from which that information was collected, the business or commercial purposes for which the information was collected, and the categories of third parties with whom we shared and/or sold the personal information.

Categories of personal information

Business or commercial purposes for collection:

Sources from which personal information is collected

Categories of third parties we share personal information with:

Categories of third parties we sold personal information to:

Identifiers such as a full name, job title, name of employer, postal address, unique personal identifier, Internet Protocol address, email address and telephone number

·         Administer and provide the site and services

·         Communicate with you.

·         Send marketing communications regarding our Services to our registered users and to site visitors who have signed up to receive marketing communications

·         Improve, update, and enhance the Site and Services

·         Company’s analytics

·         Directly from the California resident

·         From third party service providers

·         Affiliates

·         Third party service providers

·         Lenders and Real Estate Agents

Internet or other electronic network activity information, including, but not limited to, information regarding a Consumer’s interaction with our Site and/or Services, application or advertisement.

·         Administer and provide the Site and Services

·         Improve, update, enhance the Site and Services

·         Advertise our Services across the Internet.

·         Company’s analytics

·         Directly from the California resident

·         From third-party service providers, including, our third party advertising partners

·         Affiliates

·         Third party service providers, including, our third party advertising partners

·         N/A

d.   Consumer CCPA Requests and Rights

Your Rights and Choices

The CCPA provides Consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Opt-Out of the Sale of Personal Information

You have the right, at any time, to opt-out from the sale of your personal information to third parties. We sell Consumer’s information to Lenders and Real Estate Agents as described in this Privacy Policy. To opt-out from the sale of your personal information, please submit a request here: Do Not Sell My Information.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable Consumer request, we will disclose to you:

·         The categories of personal information we collected about you.

·         The categories of sources for the personal information we collected about you.

·         Our business or commercial purpose for collecting or selling that personal information.

·         The categories of third parties with whom we share that personal information.

·         The specific pieces of personal information we collected about you (also called a data portability request).

·         If we sold or disclosed your personal information for a business purpose, consisting of two separate lists disclosing:

o    sales, identifying the personal information categories that each category of recipient purchased; and

o    disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained. 

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable Consumer request, we will delete (and direct our service providers to delete) your personal information from our and their records, unless an exception applies.

Please note that we do not control the use of your information by Lenders and/or Real Estate Agents that has been shared with such Lenders and/or Real Estate Agents in connection with a loan and/or realty request made by you. Any request for the deletion of your information by Lenders and/or Real Estate Agents will need to be directed to the applicable Lenders and/or Real Estate Agents.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

·         Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.

·         Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

·         Debug products to identify and repair errors that impair existing intended functionality.

·         Exercise free speech, ensure the right of another to exercise their free speech rights, or exercise another right provided for by law.

·         Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).

·         Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.

·         Enable solely internal uses that are reasonably aligned with Consumer expectations based on your relationship with us.

·         Comply with a legal obligation.

·         Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable Consumer request to us by sending us an email at support@topagentsranked.com or by calling us at our toll-free number: (877) 695-9300 or by reaching out to us in a manner prescribed in our Privacy Policy.

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable Consumer request related to your personal information. You may also make a verifiable Consumer request on behalf of your minor child.

You may only make a verifiable Consumer request for access or data portability twice within a 12-month period. The verifiable Consumer request must:

·         Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.

·         Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable Consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable Consumer request within forty-five (45) days of its receipt. If we require more time (up to further 45 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable Consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.

We do not charge a fee to process or respond to your verifiable Consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

·         Deny you goods or services,

·         Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties,

·         Provide you a different level or quality of goods or services, or

·         Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Notice to Users Outside the United States

The Site and Services, and Company’s servers, are operated in the United States. If you are located outside of the United States, please be aware that your information, including your personal data, may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. If you are located outside the United States and choose to use the Services, you hereby irrevocably and unconditionally consent to such transfer, processing, and use in the United States and elsewhere.

Contact Company

If you have any questions or suggestions regarding this Privacy Policy, please contact Company at:

TopAgentsRanked.com

PO Box 3634

Seattle, WA 98124-3634

Toll Free Phone: (877) 695-9300

support@topagentsranked.com

 

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