This Privacy Policy (the “Policy”) describes the information Signal Intent, Inc. (“Chimney”) collects about you, how we use and share that information, and the privacy choices we offer. This Policy applies to information we collect when you open an account through Chimney, access or use our website, mobile application, products, and services (collectively, the “Services”), or when you otherwise interact with us. This includes information we collect when you submit information to Chimney for purposes of receiving an estimate of the equity in your home. We suggest you read this Policy carefully.
The terms “Chimney,” “we,” “us,” or “our” mean Signal Intent, Inc. “You” or “your” means an individual who visits our website or uses our mobile applications or Services. The term “Platform” includes (1) all websites and mobile applications operated by Chimney that collect personal information from you and that link to this Privacy Policy, and (2) all pages within each such website, device, or mobile application, any equivalent, mirror, replacement, substitute, or backup website, device, or mobile application. By using our Services or our Platform, you acknowledge and agree to the terms of this Policy. If you do not agree to this Policy, do not use or continue to use the Services or Platform.
Chimney collects personal information about you for a variety of purposes. We collect information about you (1) directly from you, (2) automatically when you use the Services or Platform, and (3) from third parties such as consumer reporting agencies.
Information you provide to us. Personal information you may provide us includes:
Automatic data collection. We, our service providers, and our business partners may automatically collect information about you, your computer or mobile device, and your interaction over time with our websites, online services and our communications, such as:
Cookies and similar technologies. Our Services and Platform may use the following technologies:
We note that some browsers incorporate Do Not Track features intended to signal to websites that the user does not want to have online activity tracked. How browsers communicate this signal, however, is not uniform; as such, our Services and Platform are not set up to interpret or respond to Do Not Track signals.
Third-party sources. We may combine personal information we receive from you with personal information we obtain from other sources, such as:
We use your personal information for the following purposes or as otherwise described at the time of collection:
Service delivery. We use your personal information to:
Research and development. We may use your personal information for research and development purposes, including to analyze and improve our Services, our Platform, and our business. As part of these activities, we may create aggregated, de-identified, or other anonymous data from personal information we collect. We make personal information into aggregated, de-identified, or anonymous data by removing information that makes the data personally identifiable to you; aggregated, de-identified, and anonymous data is thus not covered by the terms of this Policy. We may use this aggregated, de-identified, and anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve our Services and Platform, and promote our business.
Marketing and advertising. We, our service providers, and our third-party advertising partners may collect and use your personal information for the following marketing and advertising purposes:
Compliance and protection. We may use your personal information to:
Comply with law. We may use your personal information to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
We share your personal information with the following third parties or as otherwise described at the time of collection:
Service providers. Companies and individuals that provide services on our behalf or help us operate our Services, our Platform, or our business (such as hosting, information technology, customer support, email delivery, and website analytics services). Our service providers include companies that assist us in accessing your home mortgage data. Our service providers also include professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.
Our financial partners. Companies with whom we partner to offer you financial products and services that you request, including identifying financing offers that may be available to you. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above.
Business transferees. Acquirers and other relevant participants in business transactions (or negotiations for such transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Chimney (including, in connection with a bankruptcy or similar proceedings).
Advertising partners.
Although we share your personal information as described above, we do not sell your personal information to any third parties. We also may share your personal information with additional third parties as you direct us to in writing.
We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Examples of measures we have taken to protect your information include, but are not limited to:
Please take note that no security measures are failsafe, and we cannot guarantee the security of your personal information.
We offer you certain choices in connection with the personal information we collect from you. To update your preferences, limit the communications you receive from us, or submit a request, please contact us as indicated in Section 10 below. You can also unsubscribe from our marketing mailing lists by following the “Unsubscribe” link in our emails.
If you have a Chimney Platform account, you may update some of your account details and settings by logging into your account on our Platform, by writing us at support@chimney.io. Please note that even if you close your Chimney Platform account, we may retain archived copies of information about you for a period of time that is consistent with applicable law.
Our Services and Platform are not intended for use by individuals under 18 years of age. If we learn that we have collected personal information through our Services from a child under 18 without the consent of the child’s parent or guardian as required by law, we will delete it.
For your convenience and information, our Platform may provide links to other online services, and may include third-party features such as apps, tools, widgets and plug-ins. These online services and third-party features may operate independently from us. The privacy practices of the relevant third parties, including details on the information they may collect about you, are subject to the privacy statements of these parties, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by Chimney, we are not responsible for these third parties’ information practices.
We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our https://chimney.io/eula and Privacy Policy at any time at https://chimney.io/privacy-policy. You agree to accept electronic communications or postings of revised versions of this Policy on https://chimney.io/privacy-policy and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.
If you have questions or concerns regarding this Policy, you may contact us through email at support@chimney.io.
WHAT DOES Signal Intent, Inc. (“Chimney”) DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
● Social Security Number
● Payment history
● Credit history
● Mortgage rates and payments
● Employment information
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Chimney chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Chimney share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations
Yes
No
For our marketing purposes– to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes –information about your transactions and experiences
No – Chimney has no affiliates
We don’t share
For our affiliates to market to you
No – Chimney has no affiliates
We don’t share
For nonaffiliates to market to you
No
We don’t share
Questions?
Email us at support@chimney.io.
Who we are
Who is providing this notice?
Chimney is providing this privacy policy and it applies to all home equity information by the company and all products and services offered in connection with such home equity information.
What we do
How does Chimney protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Chimney collect my personal information?
We collect your personal information, for example, when you
● Open an account
● Seek financial or tax advice
● Apply for financing
● Give us your contact information
● Provide your mortgage information
We also collect your personal information from others such as credit bureaus, affiliates or other companies [OR] We also collect your personal information from other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
● sharing for affiliates’ everyday business purposes – information about your creditworthiness
● affiliates from using your information to market to you
● sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Joint marketing partners can include institutions such as consumer lenders or marketers.
· Chimney doesn’t do joint marketing
Other Important Information
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Vermont and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.
This California Consumer Privacy Statement (“Statement”) supplements the Chimney Privacy Policy and applies solely to California consumers. This Statement does not apply to Chimney personnel or job applicants.
This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”).
Notice of Collection and Use of Personal Information
We may collect (and may have collected during the 12-month period prior to the effective date of this Statement) the following categories of personal information about you:
We may use (and may have used during the 12-month period prior to the effective date of this Statement) your personal information for the purposes described in our Chimney Privacy Policy and for the following business purposes specified in the CCPA:
Sources of Personal Information
During the 12-month period prior to the effective date of this Statement, we may have obtained personal information about you from the following categories of sources:
Sale of Personal Information
We do not “sell” personal information within the meaning of the CCPA.
Sharing of Personal Information
During the 12-month period prior to the effective date of this Statement, we may have shared your personal information with certain categories of third parties, as described below. When we share personal information with our financial partners to facilitate your submission of an application for financing to them, we do so as their service provider. The privacy practices of our financial partners are subject to their privacy notices which we strongly suggest you review. Chimney is not responsible for our financial partners’ information practices or privacy notices.
We may have disclosed the following categories of personal information about you for a business purpose to the following categories of third parties:
Category of Personal Information
Category of Third Party
Identifiers
Our financial partners, our service providers, and our marketing partners
Additional Data Subject to Cal. Civ. Code § 1798.80 Law
Our financial partners, our service providers, and our marketing partners
Protected Classifications
Our financial partners
Commercial Information
Our financial partners, our service providers
Online Activity
Our service providers
Geolocation data
Our service providers, our marketing partners
Sensory Information
Our service providers
Employment Information
Our service providers
Education information
Our service providers
Inferences
Our service providers
In addition to the categories of third parties identified above, during the 12-month period prior to the effective date of this Statement, we may have shared personal information about you with the following additional categories of third parties: government entities; other persons to whom we have a legal obligation to disclose personal information (including, for example, in response to a duly issued subpoena or search warrant); and other persons to whom you authorize Chimney to disclose your personal information.
California Consumer Privacy Rights
You have certain choices regarding your personal information, as described below.
How to Submit a Request. To submit an access or deletion request, please submit a request by emailing support@chimney.io. To submit a Shine the Light request, submit a request by emailing support@chimney.io. Be sure not to transmit ANY sensitive information in your initial request; if we need additional information to identify you for the purpose of responding to your request, we will contact you.
If you designate an authorized agent to make an access or deletion request on your behalf using one of the channels described above, we may require you to provide the authorized agent written permission to do so and to verify your own identity directly with us (as described below). For questions or concerns about our privacy policies and practices, please contact us as described in Section 10.
Verifying Requests. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. We may require you to provide any of the following information: your name, date of birth, your phone number, and the email and physical addresses associated with your Chimney Platform account. If you have never had a Chimney Platform account with us and you request access to or deletion of your personal information, there is no reasonable method by which we can verify your identity to the level of certainty required by the CCPA. The reason for this is that Chimney does not maintain information about non-accountholders in a way that is linked to named actual persons (and historically has not linked IP addresses, device identifiers or other information collected by automated means to named actual persons). In addition, if you ask us to provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Even if we can verify your identify, we may also decline to honor your request when an exception applies, such as where disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information we maintain about you is not subject to the CCPA.
Additional Information. If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.
We use your personal information for the following purposes or as otherwise described at the time of collection:
Service delivery. We use your personal information to:
Research and development. We may use your personal information for research and development purposes, including to analyze and improve our Services, our Platform, and our business. As part of these activities, we may create aggregated, de-identified, or other anonymous data from personal information we collect. We make personal information into aggregated, de-identified, or anonymous data by removing information that makes the data personally identifiable to you; aggregated, de-identified, and anonymous data is thus not covered by the terms of this Policy. We may use this aggregated, de-identified, and anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve our Services and Platform, and promote our business.
Marketing and advertising. We, our service providers, and our third-party advertising partners may collect and use your personal information for the following marketing and advertising purposes:
Compliance and protection. We may use your personal information to:
Comply with law. We may use your personal information to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
We share your personal information with the following third parties or as otherwise described at the time of collection:
Service providers. Companies and individuals that provide services on our behalf or help us operate our Services, our Platform, or our business (such as hosting, information technology, customer support, email delivery, and website analytics services). Our service providers include companies that assist us in accessing your home mortgage data. Our service providers also include professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.
Our financial partners. Companies with whom we partner to offer you financial products and services that you request, including identifying financing offers that may be available to you. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above.
Business transferees. Acquirers and other relevant participants in business transactions (or negotiations for such transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Chimney (including, in connection with a bankruptcy or similar proceedings).
Advertising partners.
Although we share your personal information as described above, we do not sell your personal information to any third parties. We also may share your personal information with additional third parties as you direct us to in writing.
Chimney collects personal information about you for a variety of purposes. We collect information about you (1) directly from you, (2) automatically when you use the Services or Platform, and (3) from third parties such as consumer reporting agencies.
Information you provide to us. Personal information you may provide us includes:
Automatic data collection. We, our service providers, and our business partners may automatically collect information about you, your computer or mobile device, and your interaction over time with our websites, online services and our communications, such as:
Cookies and similar technologies. Our Services and Platform may use the following technologies:
We note that some browsers incorporate Do Not Track features intended to signal to websites that the user does not want to have online activity tracked. How browsers communicate this signal, however, is not uniform; as such, our Services and Platform are not set up to interpret or respond to Do Not Track signals.
Third-party sources. We may combine personal information we receive from you with personal information we obtain from other sources, such as:
We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Examples of measures we have taken to protect your information include, but are not limited to:
Please take note that no security measures are failsafe, and we cannot guarantee the security of your personal information.
We offer you certain choices in connection with the personal information we collect from you. To update your preferences, limit the communications you receive from us, or submit a request, please contact us as indicated in Section 10 below. You can also unsubscribe from our marketing mailing lists by following the “Unsubscribe” link in our emails.
If you have a Chimney Platform account, you may update some of your account details and settings by logging into your account on our Platform, by writing us at support@chimney.io. Please note that even if you close your Chimney Platform account, we may retain archived copies of information about you for a period of time that is consistent with applicable law.
Our Services and Platform are not intended for use by individuals under 18 years of age. If we learn that we have collected personal information through our Services from a child under 18 without the consent of the child’s parent or guardian as required by law, we will delete it.
For your convenience and information, our Platform may provide links to other online services, and may include third-party features such as apps, tools, widgets and plug-ins. These online services and third-party features may operate independently from us. The privacy practices of the relevant third parties, including details on the information they may collect about you, are subject to the privacy statements of these parties, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by Chimney, we are not responsible for these third parties’ information practices.
We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our https://chimney.io/eula and Privacy Policy at any time at https://chimney.io/privacy-policy. You agree to accept electronic communications or postings of revised versions of this Policy on https://chimney.io/privacy-policy and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.
If you have questions or concerns regarding this Policy, you may contact us through email at support@chimney.io.
We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Examples of measures we have taken to protect your information include, but are not limited to:
Please take note that no security measures are failsafe, and we cannot guarantee the security of your personal information.
We offer you certain choices in connection with the personal information we collect from you. To update your preferences, limit the communications you receive from us, or submit a request, please contact us as indicated in Section 10 below. You can also unsubscribe from our marketing mailing lists by following the “Unsubscribe” link in our emails.
If you have a Chimney Platform account, you may update some of your account details and settings by logging into your account on our Platform, by writing us at support@chimney.io. Please note that even if you close your Chimney Platform account, we may retain archived copies of information about you for a period of time that is consistent with applicable law.
Our Services and Platform are not intended for use by individuals under 18 years of age. If we learn that we have collected personal information through our Services from a child under 18 without the consent of the child’s parent or guardian as required by law, we will delete it.
For your convenience and information, our Platform may provide links to other online services, and may include third-party features such as apps, tools, widgets and plug-ins. These online services and third-party features may operate independently from us. The privacy practices of the relevant third parties, including details on the information they may collect about you, are subject to the privacy statements of these parties, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by Chimney, we are not responsible for these third parties’ information practices.
We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our https://chimney.io/eula and Privacy Policy at any time at https://chimney.io/privacy-policy. You agree to accept electronic communications or postings of revised versions of this Policy on https://chimney.io/privacy-policy and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.
If you have questions or concerns regarding this Policy, you may contact us through email at support@chimney.io.
This California Consumer Privacy Statement (“Statement”) supplements the Chimney Privacy Policy and applies solely to California consumers. This Statement does not apply to Chimney personnel or job applicants.
This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”).
Notice of Collection and Use of Personal Information
We may collect (and may have collected during the 12-month period prior to the effective date of this Statement) the following categories of personal information about you:
We may use (and may have used during the 12-month period prior to the effective date of this Statement) your personal information for the purposes described in our Chimney Privacy Policy and for the following business purposes specified in the CCPA:
Sources of Personal Information
During the 12-month period prior to the effective date of this Statement, we may have obtained personal information about you from the following categories of sources:
Sale of Personal Information
We do not “sell” personal information within the meaning of the CCPA.
Sharing of Personal Information
During the 12-month period prior to the effective date of this Statement, we may have shared your personal information with certain categories of third parties, as described below. When we share personal information with our financial partners to facilitate your submission of an application for financing to them, we do so as their service provider. The privacy practices of our financial partners are subject to their privacy notices which we strongly suggest you review. Chimney is not responsible for our financial partners’ information practices or privacy notices.
We may have disclosed the following categories of personal information about you for a business purpose to the following categories of third parties:
In addition to the categories of third parties identified above, during the 12-month period prior to the effective date of this Statement, we may have shared personal information about you with the following additional categories of third parties: government entities; other persons to whom we have a legal obligation to disclose personal information (including, for example, in response to a duly issued subpoena or search warrant); and other persons to whom you authorize Chimney to disclose your personal information.
California Consumer Privacy Rights
You have certain choices regarding your personal information, as described below.
How to Submit a Request. To submit an access or deletion request, please submit a request by emailing support@chimney.io. To submit a Shine the Light request, submit a request by emailing support@chimney.io. Be sure not to transmit ANY sensitive information in your initial request; if we need additional information to identify you for the purpose of responding to your request, we will contact you.
If you designate an authorized agent to make an access or deletion request on your behalf using one of the channels described above, we may require you to provide the authorized agent written permission to do so and to verify your own identity directly with us (as described below). For questions or concerns about our privacy policies and practices, please contact us as described in Section 10.
Verifying Requests. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. We may require you to provide any of the following information: your name, date of birth, your phone number, and the email and physical addresses associated with your Chimney Platform account. If you have never had a Chimney Platform account with us and you request access to or deletion of your personal information, there is no reasonable method by which we can verify your identity to the level of certainty required by the CCPA. The reason for this is that Chimney does not maintain information about non-accountholders in a way that is linked to named actual persons (and historically has not linked IP addresses, device identifiers or other information collected by automated means to named actual persons). In addition, if you ask us to provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Even if we can verify your identify, we may also decline to honor your request when an exception applies, such as where disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information we maintain about you is not subject to the CCPA.
Additional Information. If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.