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 the personal information may be shared.
  3. How We use the information collected.
  4. How We secure personal information you provide Us through the Platform.
  5. How you can correct or update your information.

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 . 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.
  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.

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. This information is used to analyze and improve Our Platform and to improve customer experience. 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 it is required by law.

We have established several relationships with third party 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.

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.

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:

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.

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

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 16, 2020.


Nexsys Technologies LLC Privacy Notice for California Residents

Effective Date: December 16, 2020.

This Privacy Notice for California Residents supplements the information contained in Nexsys’ Privacy Policy at www.nexsystech.com/privacy-policy/ and applies solely to all visitors, users and others who reside in the State of California ("consumers" or "you"). We adopt this notice 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.

Information We Collect

We may collect 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, household or device ("personal information"). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category Examples Collected
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. YES
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES
D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. YES
E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO
F. Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. YES
G. Geolocation data. Physical location or movements. YES
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. YES
I. Professional or employment-related information. Current or past job history or performance evaluations. YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO
K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. NO

Personal Information does not include:


Nexsys obtains the categories of personal information listed above from the following categories of sources:

Use of Personal Information

We use the information we collect to deliver the products and services you request and customize your experience with us. We also use the information we collect to:

Nexsys will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you notice.


Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. We share your personal information with the following categories of third parties:

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, Nexsys has disclosed the following categories of personal information for a business purpose:

We disclose your personal information for a business purpose to the following categories of third parties:

Sales of Personal Information

In the preceding twelve (12) months, Nexsys has not sold personal information.


Your Consumer Rights

If you are a California resident, subject to certain limitations, you have the right to (1) request more information about the categories and specific pieces of personal information we have collected, sold and disclosed for a business purpose in the last 12 months, (2) deletion of your personal information, and (3) opt out of the sale of your personal information, if applicable, and (4) be free from discrimination for exercising your rights under the CCPA. You may make these requests by emailing us at or calling us at (833) 494-4055. We will verify your request by confirming the phone number, mailing address, and/or email address we have on file for you. Once we verify your request, you can usually expect a response by mail or email within 45 days.

If we receive your request from an authorized agent, we may ask for evidence that you have provided such agent with a power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you are an authorized agent seeking to make a request, please contact us at .

Non-Discrimination

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

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website and other products and services that link to this Notice following the posting of changes constitutes your acceptance of such changes.


Contact Us

If you have any questions or comments about this Notice or the Privacy Policy, please contact us in one of the following ways:

By Phone
(833) 494-4055

By Email

By Mail
Nexsys Technologies LLC
Attn: Nexsys Legal
1054 Woodward Ave.
Detroit, MI 48226