This notice details the privacy policies of Equator Financial Solutions for consumers, realtors and real estate agents accessing its website located at www.equator.com, including how Equator Financial Solutions protects information provided or collected through this website. Questions regarding this statement should be directed by e-mail to [email protected]. You may also contact us at Equator Financial Solutions, Privacy Division, located at 6060 Center Drive, Suite 500, Los Angeles, California 90045.
What information does Equator collect and how does Equator use it?
Consumers - You may visit and use certain features of our website without any registration, in which case none of your personal information will be collected or retained. However for you to register and take advantage of the benefits and exclusive features of the Equator website, you are required to provide your name, email address, home address and phone number, a password, and whether you are a first time home buyer, investor or an existing home owner. We may additionally request you to provide your business name, address, phone number and fax number and various demographic information about yourself on an optional basis.
Agents - You may visit and use certain features of our website without any registration, in which case none of your personal information will be collected or retained. However for you to register and take advantage of the benefits and exclusive features of the Equator website, you are required to provide your name, email address, real estate license number and issuing state, a password for your account and business address and phone number. You may additionally add your mobile phone number, business name and facsimile number and home address, phone number and facsimile number. In addition, by registering through the website, you expressly authorize Equator to create a performance profile about you as an agent including statistical information with respect to your response times and sales statistics. This profile will solely be accessible to lenders accessing the website.
This allows us to properly and effectively integrate you into the website database in order to provide you with the functionality, feedback, support and any information you request. We may additionally use the information we collect to occasionally seek feedback from you regarding potential Equator products and services and to notify you about important functionality changes to the website, new products and services available through the website or otherwise offered by Equator, and special offers we think you'll find valuable.
We may additionally use information provided through our website and services to compile performance and analysis reports pertaining to agents, vendors and other users of our website and systems. We may additionally collect website data to contact any entities who access or use our website unless the entity "opts-out" from being contacted. You may choose to opt-out from being contacted by removing your information from our databases as provided in this Privacy Statement.
Notwithstanding any other term of this Privacy Policy, we may release any personal information we obtain or collect when we believe its release is appropriate to comply with the law, enforce our website policies, or protect ours or others' rights, property, or safety.
How does Equator protect visitor information?
Equator uses industry-standard technologies when storing, transferring and receiving consumer data exchanged to help ensure its security. This includes password protected member records, firewalls, secure servers and SSL encryption.
Does Equator use "cookies"?
Cookies are small bits of electronic information that a web site can transfer to a visitor's hard drive to help tailor and keep records of his or her visit to the site. The use of cookies is standard on the Internet and many web sites use them. We currently save preference information in cookies. Though most Web browsers automatically accept cookies, you can usually change your browser to prevent the storage of any cookies or to notify you when you are sent a cookie.
Does Equator disclose any personally identifiable information it collects from its visitors to outside parties?
Equator may transfer, sell and otherwise may share the information you provide to us to select partners and third parties. This will allow these third parties to contact you and provide you offers and other information that they think will be valuable to you. However, if you would like Equator to stop providing your information to these third parties, please log into your account through the Equator website and change your account settings to opt-out of being contacted by third parties.
Equator, and any of its affiliates or contractors, may (a) use, sell or transfer any anonymous aggregated statistical user data in any manner, at any time and (b) freely transfer any and all information you provide us to any of our subsidiary, parent and/or affiliate companies.
Equator's special note to parents
In compliance with the 1998 Children's Online Privacy Protection Act (COPPA), Equator is a general audience website, and does not knowingly collect, nor will ever knowingly retain, personally identifiable information from any visitor Equator actually knows to be under thirteen years of age without the consent of that child's parent or legal guardian.
How does a visitor remove or modify the information they have provided to Equator?
After gathering any user information, Equator offers users the opportunity to remove their information from our database so as not to receive future communications or to no longer interact with the website until they later chose to by logging into your account through the Equator website and changing your account settings and preferences. However, once removed from Equator's database, users will no longer be able to access any of the exclusive features offered to registered users.
Third party links and co-brand relationships
In an attempt to provide increased value to our visitors, Equator may choose various third party websites to link to and from, and frame within, its own website. Equator may also participate in co-branding and other relationships to offer information, programs and other services and features to its users. However, even if the third party is affiliated with Equator, Equator has no control over these linked sites, and each of these sites has separate privacy and data collection practices independent of Equator. As such, we have no responsibility or liability for these independent policies or actions, and are not responsible for the privacy practices or the content of any such websites. These linked sites are only for your convenience and you therefore access them at your own risk. Accordingly, please carefully review the data collection policies on each of these websites.
Your consent, policy changes and change of ownership
By using our website, you consent to the collection and use of information by Equator as set forth in this Privacy Statement. If we decide to change our privacy policy, we will post those changes on this page so that you will always be aware of what information we collect, how we use it, and under what limited circumstances we disclose it. Continued access or use of the website shall constitute your express acceptance of any modifications to this Privacy Statement. In the event that Equator or a substantial portion of Equator's assets are acquired, customer information collected and retained in accordance with this Privacy Statement may be one of the transferred assets.
Legal Disclaimer:
By using the website, you irrevocably acknowledge and agree that Equator merely provides technological tools that vendors, brokers, agents, buyers, sellers and other individuals and/or companies may use to transact business. Equator is not involved in the actual transaction between buyers, agents, brokers, lenders, sellers and any other related party, and is not the agent of, nor has any authority on behalf of any of the aforementioned parties or any other third party, for any purpose whatsoever. At no time and in no event shall Equator become involved in any dispute or transaction between the aforementioned parties or have any responsibility or liability in connection therewith, including, but not limited to, making or guaranteeing any payment that may come due as a result of any transaction or agreement between the aforementioned parties.
Additional Information Questions regarding this policy or the practices of Equator should be directed to Equator at [email protected]. You may also contact us at Equator Financial Solutions, Privacy Division, located at 6060 Center Drive, Suite 500, Los Angeles, California 90045.
TERMS OF USE
Welcome and thank you for choosing Equator! Please read the following Terms of Use carefully before using this site, our software, other website(s), platforms or other products including but not limited to Equator.com, EQ Workstation, EQ Marketplace or any other Equator services or software that directly display or link to these Terms of Use (the "Site(s)"), so that you are aware of your legal rights and obligations with respect to Altisource s.a.r.l. and any of our affiliates and subsidiaries (individually and collectively, "Equator"). If you do not agree to these Terms of Use, do not submit information to, or access any information from, the Site(s).
By using this Site(s), you signify your irrevocable acceptance of these Terms of Use. Equator has the right to revise these Terms of Use at any time without providing notice to its users and you agree to be bound by the latest version of the Terms of Use and as such, are responsible for regularly reviewing these Terms of Use. You can review the most current version of the Terms of Use at any time at: https://www.equator.com/global/home/?termsofuse=1. Additional terms may govern use of certain Web Site(s) or Web pages within the Site(s). In the event that any provision, term or guideline contained on a particular Web Site or Web page in the Site(s) conflicts with the Terms of Use, the terms of such Web Site(s) or Web page shall control over the Terms of Use except with respect to the General Terms set forth below, which shall at all times control.
Equator reserves the right to change, modify, suspend or discontinue any portion of the Site(s) at any time. Equator may also impose limits on certain features or restrict your access to parts or the entire Site(s) without notice or liability.
Privacy
Your privacy is very important to us at Equator. To better protect your rights we have created the Equator Privacy Statement to explain our privacy practices in detail. To read the Equator Privacy Policy, please access our Privacy Statement at: https://www.equator.com/global/home/?privacypolicy=1. As a registered user, you hereby grant Equator the permission to communicate with you via email (as well as other communication channels such as phone and fax) for any purposes Equator determines to be relevant including, but not limited to, system messages, product updates, service announcements and other marketing messages and under no circumstances will Equator have any liability for sending any email to its registered users.
Use of Site(s)
The Site(s) are designed to provide information about, but not limited to, real estate, REO properties, short sale properties, loan segmentation, agents, brokers, listings, vendors, marketing, real estate services, Equator and its affiliates. The information and services offered on the Site(s) are provided solely for general information, do not constitute (a) real estate, legal, tax, accounting or other professional advice, or (b) an offer to sell or lease real estate, and may not be used to determine an individual's eligibility for credit, insurance, or employment. BY USING THE SITE(S), YOU IRREVOCABLY ACKNOWLEDGE AND AGREE THAT EQUATOR IS NOT A REAL ESTATE AGENT, REAL ESTATE BROKER, MORTGAGE BROKER OR MORTGAGE LENDER UNDER U.S. REAL ESTATE LAWS AND EQUATOR DOES NOT AID, ADVISE OR ASSIST BORROWERS IN THE ADVISABILITY OF INVESTING, PURCHASING, SELLING, AND OBTAINING REAL ESTATE, REO, SHORT SALE OR OTHER REAL ESTATE PRODUCTS NOR DOES IT SOLICIT BORROWERS OR LENDERS TO BUY OR SELL REAL ESTATE, OR NEGOTIATE OR MAKE LOANS SECURED BY LIENS ON REAL PROPERTY. EQUATOR DOES NOT ENDORSE OR RECOMMEND ANY PARTICULAR REAL ESTATE PRODUCTS OR SERVICES. NOTHING IN THE SERVICE IS INTENDED TO BE PROFESSIONAL ADVICE, INCLUDING BUT NOT LIMITED TO, REAL ESTATE OR TAX ADVICE. EQUATOR MERELY PROVIDES TECHNOLOGICAL TOOLS THAT VENDORS, BROKERS, AGENTS, BUYERS, SELLERS AND OTHER INDIVIDUALS AND/OR COMPANIES MAY USE TO TRANSACT BUSINESS AND EQUATOR IS NOT INVOLVED IN THE ACTUAL TRANSACTION BETWEEN BUYERS, AGENTS, BROKERS, LENDERS, SELLERS AND ANY OTHER RELATED PARTY, AND IS NOT THE AGENT OF, NOR HAS ANY AUTHORITY ON BEHALF OF ANY OF THE AFOREMENTIONED PARTIES OR ANY OTHER THIRD PARTY, FOR ANY PURPOSE WHATSOEVER. AT NO TIME AND IN NO EVENT SHALL EQUATOR BECOME INVOLVED IN ANY DISPUTE OR TRANSACTION BETWEEN THE AFOREMENTIONED PARTIES OR HAVE ANY RESPONSIBILITY OR LIABILITY IN CONNECTION THEREWITH, INCLUDING, BUT NOT LIMITED TO, MAKING OR GUARANTEEING ANY PAYMENT THAT MAY COME DUE AS A RESULT OF ANY TRANSACTION OR AGREEMENT BETWEEN THE AFOREMENTIONED PARTIES.
Proprietary EQ Content
The information, data, text, software, files, icons, video clips, specifications, photographs, images, graphics, literature, technical information, advertisements, organization, layout, design, copyrighted materials, trademarks, trade dress, and other content contained on or provided through the Site(s) (collectively, the "EQ Content") are owned by Equator and its licensors, and are protected by applicable United States and international copyright and other intellectual property rights, laws and treaties. The EQ Content provided through the Site(s) includes proprietary databases of commercial or residential real estate information, which includes information, text, photographic and other images and data contained therein, and the proprietary organization and structures for categorizing, sorting and displaying such information. The Site(s) and EQ Content include any derivatives, successors, updates or modifications provided thereto and created therefrom and any information derived from the use of the databases accessed through the Site(s).
Any copying, modification, display, performance, publishing, licensing, creation of derivative works, framing in other web pages, use on other web sites, uploading, reproduction, transmittal or redistribution of the EQ Content which is not expressly authorized by these Terms of Use is strictly prohibited. You understand and agree that making modifications to, creating derivative works based on, or any unauthorized use of, the EQ Content or any other elements of the Site(s), is expressly prohibited. You also agree not to transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from Equator, including without limitation, engaging in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information.