Appruv Privacy Policy

Introduction

Appruv, LLC ( "Appruv," "we," "our," or "us" ) values your privacy. This privacy policy summarizes what information we might collect from visitors of our website located at www.appruv.me (the "Website" ) and from registered users of our web application known as "Appruv" (the "Application" ), and what we will and will not do with that information.

What this privacy policy does and does not apply to

If you are a borrower who has been given access to the Application through your loan officer ( "Loan Officer" ), your Loan Officer will have access to information about you collected through the Application. However, this privacy policy does not govern or describe your Loan Officer’s practices related your personal information. For information about how your Loan Officer practices related to your personal information, please review your Loan Officer’s privacy policy.

Any payment card information you enter through the Website or Application is being provided directly to our third party payment processor, Stripe, and is not received or stored by us; therefore, your payment card information is subject to Stripe’s privacy policy, available at https://stripe.com/us/privacy.

This privacy policy does not apply to information collected by us offline or through any other means, including any other website or application operated by us.

Please note that this privacy policy does not govern the collection and use of information by companies that we do not control, nor by individuals who we do not employ nor manage. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information.

How we collect information from and about you

We collect information from and about you:

Directly from you when you provide it to us or communicate with us through the Website or Application (e.g., by filling in forms or contacting us through the Website or Application).
Automatically as you navigate through and use our Website and Application.
From your Loan Officer, if you are a Borrower.

Personal information we may collect

It is up to you whether to disclose personal information to us, although if you elect not to do so, you may be unable to use certain features of the Application. "Personal information" means information that can be used to identify you as an individual and information that is associated with you, such as, for example:

Your name, email address, phone number, and address.
Your Application user ID.
Any account-preference information you provide us.
Details of transactions you carry out through our Website, including purchasing a subscription if you are a Loan Officer.
Information contained in pre-approval letters you generate using the Application.

How we use and disclose your personal information

We may use your personal information to contact you about our own and third- parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please opt out by [checking the relevant box located on the form on which we collect your data, adjusting your user preferences in your account profile, and/or following the "unsubscribe" link at the bottom of any marketing email we send to you.]

We may use your personal information for the following purposes only:

To present our Website and Application to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account or subscription, including expiration and renewal notices, or to notify you of changes in our End User License Agreement, Subscription Terms, or this Privacy Policy.
In any other way we describe when you provide the information.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
For any other purpose described in this privacy policy.
For any other purpose with your consent.

We may disclose aggregated information (e.g., statistical data) and information that does not identify you or any individual, without restriction.

We will not sell, rent, or otherwise transfer your personal information to a third party except as described below. We may disclose your personal information only as follows:

To our contractors, service providers, and other third parties we use to support our business and who have agreed to keep it confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor of our business, if the Website or the Application are among the assets transferred.
As required by law or court order, for example, in response to a subpoena or search warrant.
As necessary to protect the rights, safety, or property of Appruv, its users, or others; this may include, for example, exchanging information with other organizations for fraud protection and/or risk reduction.
To fulfill any purpose for which you provide it.
As described when you provide the information.
As necessary to fulfill our obligations and enforce our rights arising from any contracts entered into between you and us.
For any other purpose with your consent.

Other information we collect

As you navigate through and interact with our Website or Application, we may automatically collect certain information about your equipment, browsing actions and patterns, including: details of your visits to our Website and Application, location data, logs, information about your computer and internet connection, including your IP address, operating system and browser type.

The information we collect automatically is statistical data and does not identify you or any individual. It helps us to improve our Application and to deliver a better and more personalized service by enabling us to estimate our audience size and usage patterns, store information about your preferences, speed up your searches, and recognize you when you return to our Website or Application.

We may use this information, individually or in the aggregate, for any lawful purpose, including monitoring and improving the performance of our Website and Application.

Cookies

Appruv uses "cookies" to store data on your computer and assist with automatic data collection. We may link information stored on your computer in cookies with personal data about you stored on our servers. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of the Application and our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Application or Website.

External data storage sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Data Security

We have implemented commercially reasonably measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. Although we take reasonable measures to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website or Application. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or Application.

Your privacy responsibilities

To help protect your privacy, be sure:

Not to share your user ID or password with anyone else and immediately reset your password if you discover or suspect that anyone else has used or gained access to your account.
To log out of the Application when you are finished using it.
To take customary precautions to guard against "malware" (viruses, Trojan horses, bots, etc.), for example by installing and updating suitable anti-virus software on your computer.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Application and visiting your account profile page.

Information collected from children

You must be at least 18 years old to use the Website or Application. Appruv does not knowingly collect information from children under 13.

Changes to this privacy policy

We reserve the right to change this privacy policy as we deem necessary or appropriate because of legal compliance requirements or changes in our business practices. If you have provided us with an email address, we will endeavor to notify you, by email to that address, of any material change to how we will use personal information.

Questions or comments?

If you have questions or comments about Appruv’s privacy policy, send an email to info@appruv.me

Thank you for choosing Appruv!