Privacy Policy
This Privacy Policy (this "Privacy Policy") describes the information
Morty, Inc. ("Morty," "Company," "we," "us" or "our") 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 register for
Morty’s mortgage broker services, access or use our website, mobile
applications, products, and services (collectively, the "Services"), or when you otherwise interact with us. As used in this Privacy
Policy, the term "Site" includes: all websites and all
devices or applications operated by Morty that collect Personal
Information (as defined below) from you and that link to this Privacy
Policy; pages within each such website, device, or application, any
equivalent, mirror, replacement, substitute, or backup website, device,
or application.
By using our Site, you are consenting to the use of information and
agreeing to these guidelines and the other Morty policies described on
our Site.
Because of the financial nature of our business, our Sites are not
designed to appeal to people under the age of 18. Therefore, we don’t
knowingly attempt to solicit or receive any information from children.
We tell you how and why we use the information you provide to us.
To maximize the value of our services, we may request information from
you when you visit our Sites. Morty may collect Personal Information
about you, including but not limited to the following:
Registration Information: When you register for an account on
the Site, you provide your email address and choose a password. You use
your email address and password to gain access to your pre-approval and
loan application information, financial information and/or customized
rates. We use your contact information to provide you with messages,
alerts and updates regarding your loan status, which is part of the
Morty service. You will be able to update and modify the information you
have entered on the Site until you progress to the Lock and Close
section of the Site.
Identification Information: You may also be asked to provide
identification information to confirm your identity, including, without
limitation, your first and last name and certain financial information.
Credit Report: By submitting a loan application or a request to
be pre-qualified to us, you authorize us to share your credit report
with our affiliates and partners only to process your pre-qualification
or loan application. Credit reporting agencies may share your
information with other companies when you apply for a home loan. This
may cause you to receive email messages or phone calls that you didn’t
ask for, offering credit cards, refinancing or other loan products. You
can stop these calls and emails by opting out of these prescreened
credit offers. Simply call (888) 567-8688 or visit
www.optoutprescreen.com.
Application Information: You may also be asked to provide
additional information that will be provided to third-party sources of
funding in connection with your applications for funding from those
third-party sources, including certain financial information and other
documents required by the third-party source of funding to complete an
application.
Third-Party Sites: You may also enter in certain passwords,
usernames, account numbers, and other account information for
third-party sites and Internet services ("Third-Party Sites"). In order to display information to you or to fulfill your requests
for certain products and services through a Service, we may collect, on
your behalf, your account and other Personal Information from
Third-Party Sites that you register under your account via the Service.
We may also collect information about you from credit bureaus, mailing
list providers, publicly available sources, and other third parties.
Morty uses third parties to gather your data from financial
institutions. By using our Service, you grant our third-party provider
the right, power, and authority to act on your behalf to access and
transmit your Personal Information and financial information from the
relevant financial institution according to terms of our third-party
providers’ privacy policies.
Service Providers: We may also supply the Personal Information
you provide, on a confidential basis, to service providers, such as
wholesale lenders, title companies, appraisers, credit reporting
services, etc., who assist us in qualifying, processing, closing and
servicing your loan. For example, we may use service providers to
enhance our Site technology, deliver products, or to send emails. When
we employ service providers, we may need to share your Personal
Information. Service providers are strictly prohibited from using your
Personal Information for purposes other than to act on our behalf.
Morty uses Plaid Technologies, Inc. ("Plaid") to gather
your data from financial institutions. By using our Service, you grant
Morty and Plaid the right, power, and authority to act on your behalf to
access and transmit your Personal Information and financial information
from the relevant financial institution. You agree to your Personal
Information and financial information being transferred, stored, and
processed by Plaid in accordance with the Plaid Privacy Policy, found
here: https://plaid.com/legal/#Privacy-Policy
Referral Partners: We may also collect application information,
including Personal Information, about you from our third-party referral
partners.
Information Collected by Cookies and Web Beacons: We use
various technologies to collect information, and this may include
sending cookies to your computer or mobile device. Cookies are small
data files that are stored on your hard drive or in device memory by a
website. Among other things, cookies support the integrity of our
registration process, retain your preferences and account settings, and
help evaluate and compile aggregated statistics about user activity.
Your browser may offer you a "Do Not Track" option, which allows you to
signal to operators of websites and web applications and services
(including behavioral advertising services) that you do not wish such
operators to track certain of your online activities over time and
across different websites. Our Services do not support Do Not Track
requests at this time, which means that we collect information about
your online activity both while you are using the Services and after you
leave our Services. We may also collect information using web beacons.
Web beacons are electronic images that may be used in our Services or
emails. We may use web beacons to deliver cookies, count visits,
understand usage, and determine whether an email has been opened and
acted upon.
Technical and Navigational Information: We may collect your
computer browser type, Internet protocol address, pages visited, and
average time spent on our Site. This information may be used, for
example, to alert you to software compatibility issues, or it may be
analyzed to improve our web design and functionality.
Mandatory and Optional Information: We identify what
information is required to fulfill your request. If you chose not to
provide mandatory information, we will not be able to provide you the
Service you are requesting. As part of your use of our Site, we may
collect information that my include your name, address, social security
number, the location and value of the property related to the requested
loan products or services, financial information about your assets and
income, financial accounts, insurance and other information. As part of
this process, you consent to Morty obtaining a credit report and for us
to use that information as described in this policy. We will also
collect information about your activity on the Sites and use that
information as described in this policy.
Information that’s been de-identified: Except as otherwise
provided in this Privacy Policy, we may de-identify your Personal
Information so that you are not identified as an individual, and provide
that information to our partners. We may also provide aggregate usage
information to our partners (or allow partners to collect that
information from you), who may use such information to understand how
often and in what ways people use our Services, so that they, too, can
provide you with an optimal online experience. However, we never
disclose aggregate usage or de-identified information to a partner (or
allow a partner to collect such information) in a manner that would
identify you as an individual person.
Service Alerts and Critical Notices: Although we respect and
honor the privacy preferences you have expressed, we may need to contact
you to inform you of specific changes that may impact your ability to
use this Service or for other critical non-marketing purposes, such as
bug alerts. We may also contact you to respond to your specific
requests, to clarify the order information you provided to us, or to
notify you of upcoming subscription expiration dates.
Change of Control: Your Personal Information may be transferred
in connection with a sale, merger, transfer, exchange or other
disposition of all or a portion of a business of Morty.
Changes to Our Privacy Policy: If we plan to make significant
changes to any of our privacy policies or practices with respect to how
we use Personal Information, we will post those changes to the Site.
Legal Disclosures: In some cases we may disclose certain
information to comply with a legal process, such as a court order,
subpoena, search warrant, or law enforcement request.