This Privacy Statement describes how CityScape Finance, LLC a California limited liability company uses the information you provide.
INFORMATION GATHERED
You may choose to provide information about yourself in order to be contacted by CityScape Finance, LLC a Michigan limited liability company regarding loan products and/or services, to receive a response to your question or inquiry, or to gain access to your online account. Such information may include the following:
Your name
NMLS number
Contact information including phone number email address
Information about your interactions with CITYSCAPE’s websites
Professional or employment-related information
Your company name
IP address
Information about your business
Geolocation data
Financial information
Ot her information you choose to provide via a telephone call, letter or e-mail
CITYSCAPE may collect the above information via the online broker agreement form, contact fields, telephone calls, emails to CITYSCAPE, letters and documentation provided to CITYSCAPE and your activity on our website.
If you are a borrower or a potential borrower and your loan officer submits a loan application to CITYSCAPE on your behalf, CITYSCAPE may also receive any or all of the following categories of personal information in order to evaluate your loan application and credit worthiness, potentially approve and close a loan for you, and subsequently service any approved loan.
Contact information: name, property address, email address, telephone numbers
Financial information
Tax information
Information about your property or the property you are attempting to purchase obtained through publicly available sources and/or an appraisal
Credit information: credit score, social security number, prior addresses, account information, birth date
Employment and education information
Forms of personal identification such as driver’s license or passport, visa information
Information about your use of CITYSCAPE’s websites
Because of the financial nature of our business, CITYSCAPE’s websites are not designed for use by children under the age of 13 and those not of legal age to contract. Therefore, CITYSCAPE does not knowingly attempt to solicit or receive any information from children. Additionally, CITYSCAPE does not have services available for those younger than the legal age to contract and as such does not knowingly attempt to solicit or receive any information from those under the age of 16. CITYSCAPE does not sell the personal information of minors.
HOW INFORMATION IS COLLECTED
The personal information CITYSCAPE receives about you is provided: by you directly to CITYSCAPE; on your loan application; online forms you complete; documentation provided in connection with the underwriting process or for consideration of a loan modification; information and/or documentation you provide to be approved to submit loans to CITYSCAPE; emails and letters you send to CITYSCAPE; phone calls with CITYSCAPE; and your activity on CITYSCAPE websites.
MANDATORY AND OPTIONAL INFORMATION
CITYSCAPE identifies for you what information is required to fulfill any particular request on our Website, be considered for approval to submit loans to CITYSCAPE, and be considered for a residential mortgage loan. If you choose not to provide mandatory information, CITYSCAPE will not be able to provide you the service you are requesting.
USE
Primarily, the information you provide will be used to: contact you and better understand your wholesale lender needs; allow access to our servicing system if you have a loan with us; review your loan application or broker application for approval; and underwrite your loan request. You understand that by submitting your information through this Website or one of CITYSCAPE’s other company websites or by other means to CITYSCAPE, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to CITYSCAPE through this Website, a telephone call, an e-mail, letter or by any other means permitted by CITYSCAPE, you authorize CITYSCAPE to engage in the following uses of your information:
to improve its products and services
to contact you
to complete any other task requested of CITYSCAPE or necessary to perform the underlying services for which you have contacted CITYSCAPE directly or indirectly via your loan officer
to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements to you
to perform services you request of CITYSCAPE including but not limited to reviewing credit worthiness for requested loan approval, service your CITYSCAPE loan, respond to your inquiries/requests, underwrite your loan application, review your account for possible loan modification
If you do not wish to receive information regarding CITYSCAPE products and services, you may opt-out during your account registration, within any future communications or by sending an Email to info@CityScape.com. Please designate within your opt-out request your email address, property address, loan number (if applicable), and telephone number as well as from what communications you wish to opt-out. You may also update your contact preferences by logging into your account. CITYSCAPE does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.
While we respect and honor your privacy preferences as you have expressed, there may be times we need to contact you to inform you of a specific change that may have an impact on your ability to use CITYSCAPE’s services or other critical non-marketing purposes. We may also contact you to respond to any specific request you may submit.
SECURITY
CITYSCAPE has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.
Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. CITYSCAPE recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to CITYSCAPE via e-mail, you accept all risk that such information may be intercepted by a third party.
SERVICE PROVIDERS
For certain aspects of the loan process and to provide certain services to you, CITYSCAPE employs or utilizes service providers including, but not limited to, appraisal management companies, title companies, closing attorneys, due diligence firms, sub-servicers, consultants, temporary workers, attorneys, third-party developers and technology companies and others as necessary. For example, we may utilize service providers to send Emails to you. In order for service providers to assist CITYSCAPE, we may need to share your personally identifiable information. Service providers are not authorized and are strictly prohibited from utilizing your personally identifiable information for any purpose other than those proscribed by CITYSCAPE in connection with the services they provide on CITYSCAPE’s behalf. CITYSCAPE does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.
LEGAL DISCLOSURE
At times, CITYSCAPE may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.
WEB TECHNOLOGIES
Cookies: A “cookie” is a small file that is assigned by the web server to your computer. The use of cookies allows CITYSCAPE to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide CITYSCAPE access to your computer or any of the information contained on your computer and your computer is not harmed by CITYSCAPE’s use of cookies. Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website.
Website Usage Data: Our websites may track usage data, including but not limited to, your IP address, your page views and links clicked, your browser type and version, and other aspects of how you interact with CITYSCAPE’s websites. CITYSCAPE utilizes this information in the aggregate and on an individual level to better understand how our website is being used, to improve site offerings, for troubleshooting and other issue resolution purposes. This data may also be utilized to help CITYSCAPE provide coaching on the various tools the site has to offer and provide you with a more personalized website experience or assist with technical support questions. We may also utilize it to send you specific offers or promotions. If you do not wish to receive offers or promotions, simply indicate your preferences through your online account or send an Email to info@CityScape.com. You can also follow the instructions at the bottom of any particular Email from CITYSCAPE to manage your notification preferences. Again, CITYSCAPE does not share your information with third-party companies for their marketing or promotional use and we do not track URLs that you type into your browser, nor do we obtain any information about your usage across the internet once you leave CITYSCAPE’s websites.
CHANGE IN CONTROL
Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of CITYSCAPE. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.
SOCIAL MEDIA AND THIRD-PARTY LINKS
CITYSCAPE has a presence on various social media outlets in an effort to connect with our clients, customers and to connect with potential clients. Your activity on third-party websites is governed by the security, policies and terms of use of each third-party website. You should review the privacy policies of the third-party website before using it and ensure you understand how your information may be used before providing it. The information posted on or directed on CITYSCAPE social media profiles is generally available to the public. To protect your privacy, do not include information sensitive personal information or any other information you want to keep provide in your social media activity, comments or response. Any information shared on CITYSCAPE’s social media pages may be archived independently on, and retention of such information is governed by, the third-party website. You might find links to third party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. CITYSCAPE does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as CITYSCAPE has no control over third-party websites.
CHANGES TO OUR PRIVACY STATEMENT
CITYSCAPE reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.
TERMS AND CONDITIONS
Please see the CITYSCAPE Terms of Use Statement for other details that are applicable to and regard your use and access of this Website by clicking the link at the bottom of this page.
RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED, DISCLOSED OR SOLD
You have the right to request CITYSCAPE disclose what personal information it collects, uses, discloses and sells. CITYSCAPE has outlined above the general categories of information collected from you directly or received by CITYSCAPE via your licensed loan officer. CITYSCAPE does not sell your personal information and only discloses to third-parties who are performing services on behalf of CITYSCAPE or assisting CITYSCAPE with another business need or purpose.
AGREEMENT
By using this Website, you agree to CITYSCAPE’s Privacy Statement and to the use of the information CITYSCAPE receives and collects as stated herein and in ways CITYSCAPE may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. CITYSCAPE reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.
QUESTIONS?
Should you still have questions regarding CITYSCAPE’s use of your information, privacy policies and practices, you may contact CITYSCAPE using the below information:
CityScape Finance LLC