Privacy Policy

Effective date: 10/04/2023

NEXA Mortgage (“us”, “we”, or “our”) operates the website and the mobile application (hereinafter referred to as the “Service”). This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

Service Service means the website and the mobile application operated by NEXA Mortgage.

Personal Data Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies Cookies are small files stored on your device (computer or mobile device).

Data Controller Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors (or Service Providers) Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

Data Subject (or User) Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

Email address

First name and last name

Phone number

Address, State, Province, ZIP/Postal code, City

Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by contacting us.

Usage Data

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. When you access the Service with a mobile device, this Usage Data may include information such as 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.

Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customise our Service. You can enable or disable location services when you use our Service at any time by way of your device settings.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. Examples of Cookies we use:

Session Cookies. We use Session Cookies to operate our Service.

Preference Cookies. We use Preference Cookies to remember your preferences and various settings.

Security Cookies. We use Security Cookies for security purposes.

Advertising Cookies. Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.

Use of Data

NEXA Mortgage uses the collected data for various purposes:

To provide and maintain our Service

To notify you about changes to our Service

To allow you to participate in interactive features of our Service when you choose to do so

To provide customer support

To gather analysis or valuable information so that we can improve our Service

To monitor the usage of our Service

To detect, prevent and address technical issues

To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), NEXA Mortgage legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it. NEXA Mortgage may process your Personal Data because:

We need to perform a contract with you

You have given us permission to do so

The processing is in our legitimate interests and it is not overridden by your rights

To comply with the law

Retention of Data

NEXA Mortgage will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies. NEXA Mortgage will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. NEXA Mortgage will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Business Transaction

If NEXA Mortgage is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, NEXA Mortgage may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

NEXA Mortgage may disclose your Personal Data in the good faith belief that such action is necessary to:

To comply with a legal obligation

To protect and defend the rights or property of NEXA Mortgage

To prevent or investigate possible wrong-doing in connection with the Service

To protect the personal safety of users of the Service or the public

To protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Our Policy on “Do Not Track” Signals under the California Online Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. NEXA Mortgage aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data. If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us. In certain circumstances, you have the following data protection rights:

The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

The right to object. You have the right to object to our processing of your Personal Data.

The right of restriction. You have the right to request that we restrict the processing of your personal information.

The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

The right to withdraw consent. You also have the right to withdraw your consent at any time where NEXA Mortgage relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests. You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Piwik or Matomo Piwik or Matomo is a web analytics service. You can visit their Privacy Policy page here:h ttps://matomo.org/privacy-policy

Clicky Clicky is a web analytics service. Read the Privacy Policy for Clicky here: https://clicky.com/terms

Statcounter Statcounter is a web traffic analysis tool. You can read the Privacy Policy for Statcounter here: https://statcounter.com/about/legal/

Flurry Analytics Flurry Analytics service is provided by Yahoo! Inc. You can opt-out from Flurry Analytics service to prevent Flurry Analytics from using and sharing your information by visiting the Flurry’s Opt-out page: https://dev.flurry.com/secure/optOut.do For more information on the privacy practices and policies of Yahoo!, please visit their Privacy Policy page: https://policies.yahoo.com/us/en/yahoo/privacy/policy/index.htm

Mixpanel Mixpanel is provided by Mixpanel IncYou can prevent Mixpanel from using your information for analytics purposes by opting-out. To opt-out of Mixpanel service, please visit this page: https://mixpanel.com/optout/For more information on what type of information Mixpanel collects, please visit the Terms of Use page of Mixpanel: https://mixpanel.com/terms/

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service.

Google AdSense & DoubleClick Cookie Google, as a third party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet. You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Bing Ads Bing Ads is an advertising service provided by Microsoft, Inc. You can opt-out of Bing Ads remarketing by visiting: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-adsFor more information about Bing Ads, please visit their Privacy Policy: https://privacy.microsoft.com/en-us/PrivacyStatement

AdMob by GoogleAd Mob by Google is provided by Google Inc. You can opt-out from the AdMob by Google service by following the instructions described by Google:https://support.google.com/ads/answer/2662922?hl=enFor more information on how Google uses the collected information, please visit the “How Google uses data when you use our partners’ sites or app” page: http://www.google.com/policies/privacy/partners/or visit the Privacy Policy of Google: http://www.google.com/policies/privacy/

Flurry Flurry is provided by Yahoo! Inc. You can opt-out of the Flurry service and prevent it from using and sharing your information by visiting the Flurry Opt-out page: https://dev.flurry.com/secure/optOut.doFor more information on the privacy practices policies of Yahoo!, please visit their Privacy Policy: https://policies.yahoo.com/us/en/yahoo/privacy/policy/index.htm

InMobi InMobi is provided by InMobi Pte Ltd.You can opt-out from InMobi service by following the instructions as described on the InMobi Opt-out page: http://www.inmobi.com/page/opt-out/For more information on the privacy practices and policies of InMobi, please visit the InMobi Privacy Policy: http://www.inmobi.com/privacy-policy/

MoPub MoPub is provided by MobPub, Inc.You can opt-out from MobPub service by following the instructions on MoPub Opt-out page: http://www.mopub.com/optout/For more information on what information MobPub collects and how it is used, please read MoPub Privacy Policy: http://www.mopub.com/legal/privacy/

StartApp StartApp is provided by StartApp, Inc.You can opt-out from interest-based ads served by StartApp by following the instructions on their Privacy Policy, section “8. Your Choices and Controls”: https://www.startapp.com/policy/privacy-policy/For more information on what information StartApp collects and how it is used, please read their Privacy Policy: https://www.startapp.com/policy/privacy-policy/

AdColony AdColony is provided by Jirbo, Inc. ou can opt-out from AdColony service by visiting the AdColony Opt-out page: http://www.adcolony.com/privacy-policy/opt-out You. can also opt-out from AdColony through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/or opt-out using your mobile device settings.For more information AdColony, please visit the Privacy Policy of AdColony: http://www.adcolony.com/privacy-policy/

AppLovin AppLovin is provided by the AppLovin Corporation. If you’d like to opt-out from AppLovin service, please visit the AppLovin Opt-out page: https://www.applovin.com/optoutIf you’d like to learn more about AppLovin, please visit the Privacy Policy page of AppLovin: https://www.applovin.com/privacy

Vungle Vungle is provided by Vungle, Inc. You can opt-out from Vungle service by following the instructions as described by Vungle on their Privacy Policy page: http://vungle.com/privacy/ For more information about Vungle, please visit Vungle Privacy Policy: http://vungle.com/privacy/

AdButler AdButler is an advertising service provided by Sparklit Networks, Inc. For more information about AdButler, please visit their Privacy Policy: https://www.sparklit.com/agreements.spark?agreement=privacy

Behavioral Remarketing

NEXA Mortgage uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service

Google Ad WordsGoogle 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/adsGoogle also recommends installing the Google Analytics Opt-out Browser Add-on –https://tools.google.com/dlpage/gaoptout– for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Twitter Twitter remarketing service is provided by Twitter Inc. You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

Facebook Facebook remarketing service is provided by Facebook Inc. You can learn more about interest-based advertising from Facebook by visiting this page:https://www.facebook.com/help/164968693837950To opt-out from Facebook’s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217 Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings. For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

Pinterest Pinterest remarketing service is provided by Pinterest Inc. You can opt-out from Pinterest’s interest-based ads by enabling the “Do Not Track” functionality of your web browser or by following Pinterest instructions: http://help.pinterest.com/en/articles/personalization-and-dataYou can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page: https://about.pinterest.com/en/privacy-policy

AdRoll AdRoll remarketing service is provided by Semantic Sugar, Inc. You can opt-out of AdRoll remarketing by visiting this AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false For more information on the privacy practices of AdRoll, please visit the AdRoll Privacy Policy web page: http://www.adroll.com/about/privacy

Perfect Audience Perfect Audience remarketing service is provided by NowSpots Inc. You can opt-out of Perfect Audience remarketing by visiting these pages: Platform Opt-out (http://pixel.prfct.co/coo) and Partner Opt-out (http://ib.adnxs.com/optout). For more information on the privacy practices of Perfect Audience, please visit the Perfect Audience Privacy Policy & Opt-out web page: https://www.perfectaudience.com/privacy/index.html

AppNexus AppNexus remarketing service is provided by AppNexus Inc. You can opt-out of AppNexus remarketing by visiting the Privacy & the AppNexus Platform web page: http://www.appnexus.com/platform-policy#choicesFor more information on the privacy practices of AppNexus, please visit the AppNexus Platform Privacy Policy web page: http://www.appnexus.com/platform-policy/

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Online Privacy

At {{location.website}}, we take online privacy seriously. We are committed to protect personal information of our website and social media visitors. Our goal is to maintain your trust when handling your personal financial information. The {{location.website}} Privacy Options applies to your interaction with {{location.website}} or any of its subsidiaries ({{custom_values.agent__company_name}} (“us”, “we”, or “our”), at any online or mobile site or application that we own or control (“Site”). According to the U.S. Online & Mobile Privacy Practices Statement, {{ location.website }}’s online and mobile privacy practices are applicable to {{ location.website }} websites, {{ location.website }} mobile sites, and {{ location.website }} branded social media sites or pages, as well as interactions you may have while viewing content provided by {{ location.website }}’s digital advertising campaigns.

GENERAL PRINCIPLES

https://www.travisegan.com’s services are intended for U.S. customers.

Our services are not intended for people under 18. Therefore, we do not knowingly collect information from people under 18 without parental consent.

We share information we collect from or about you in accordance with our Consumer Privacy Notice, if you have a financial product or service with us.

AGREEMENTS TO PRIVACY OPTIONS

By using a Site or engaging with a https://www.travisegan.com, NEXA Mortgage (“us”, “we”, or “our”) advertisement or page or account on a third party site, you consent to these Privacy Options, which includes your consent to our use and disclosure of information about you in the manner described in the Privacy Options.

PERSONAL INFORMATION COLLECTED ONLINE BY https://www.travisegan.com

When you visit our Sites, we collect personal information about you, from the information you provide us. The information will vary depend on the https://www.travisegan.com Site you visit, and may include, but is not limited to:

Name

Date of birth

Address

Phone numbers (including mobile)

Email address

Account number

Social Security number in whole or in part

Residential information

Employment information

Income information

In addition to the information described above, we may collect behavioral information, when you use our online services. When you connect to our online Sites, we may capture the IP address and device information, the type of operating system and browser you use, site you came from, your activity with our online services, and the site you visit next. We or our third-party partners may use cookies, web beacons or other technologies to collect and store information about your visit and use of our online services. When you visit our website or use our online services, we may collect personal information that you voluntarily provide us through forms on our website, or in our mobile applications. https://www.travisegan.com may also use cookies and other online tracking options like pixel tags and clear GIFs. Cookies are text files that are placed on your computer by the website’s server. Cookies enable websites to track browsing activity conducted on your computer. Clear GIFs, pixel tags or web beacons are typically one pixel, transparent images on a webpage or email or other message, used to help recognize users, determine traffic patterns, and measure Site engagement.

OUR SOCIAL MEDIA PAGES

https://www.travisegan.com has official pages on social media websites such as Facebook®, Google+,® Twitter®, Pinterest®, LinkedIn®, Instagram®, TikTok® and YouTube®. When you interact with us on social media websites, we may collect behavioral information such as your likes, interests, feedback and preferences.

HOW INFORMATION IS USED

To enable you to apply for https://www.travisegan.com services

To enable you to perform online transactions

To update you about your account

To service and manage your account

To offer special services and products using advertisements in the form of banner ads, splash ads or location-based promotions Verification purposes that will allow access to your accounts and prevent/detect fraud

For business purposes such as data analysis and optimizing Sites to improve your online experience

In order to comply with federal, state or local laws

To share with entities that are within the https://www.travisegan.com family, and with trusted parties who are contractually obligated to keep such information confidential and only provide services that we have requested them to provide

DISCLOSURE OF INFORMATION

We may share information about you with our affiliates and other third parties:

Third-party service providers

When laws and regulations permit, with affiliated websites and businesses

Other companies bringing you co-branded services

Other third parties, to comply with legal requirements

ONLINE ADVERTISING

Depending on the information, we or our affiliates, service providers and other companies that we work with have about you, you will see advertisements when you are using our online services (including pre-screened offers of credit). Online behavioral advertising (OBA or “interested-based advertising”) is practiced by collecting information about how visitors interact with our Sites over time, in order to deliver advertisements that may interest visitors based on their browsing history.

CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.