ABC GRAND INC (hereinafter referred to as "ABC GRAND INC" or "we", "us", or "our") is committed to privacy and will only use information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or device ("Personal Information") in accordance with the terms of this Privacy Policy (this "Policy").
This Policy describes how we collect, use, protect and disclose Personal Information we obtain from you when you visit the websites that we own or control (today or in the future), including https://www.abcgrandinc.com (collectively, the "Sites"), when you use the mobile applications we own or control (today or in the future) (collectively, the "Applications" or "Apps"), and when you use any services or loan products and any ancillary services and products we provide through the Sites or the Apps (collectively, together with the Sites and the Apps, the "Services" or “Services and Products”). You can access the Sites in many ways, including from a computer or mobile phone, and this Policy will apply regardless of the means of access. This Policy also governs the use of Personal Information we obtain from you from any third-party site or application where we post content or invite your feedback or participation. ABC GRAND INC cannot control the privacy policies or practices of sites or companies that we do not own or control and cannot control the actions of people we do not employ or manage.
Please read this Policy carefully. This Policy is a legally binding contract between us and anyone who accesses or uses any of the Services. This Policy is incorporated into and is subject to our Terms of Use for the applicable Site or Application. In the event of a conflict between this Policy and such Terms of Use, the Terms of Use will control. If you have any questions about this Policy, please e-mail us at info@abcgrandinc.com. If you do not want us to collect, use, or share your information in the ways described in this Policy, please do not use the Services. By using the Services, you consent to the collection and use of your information (including Personal Information) by us as identified in this Policy.
To use some of our Services and complete transactions that you request, we ask you to provide certain Personal Information and in some cases require you to register for an account. Where applicable, we indicate whether you must provide us with your Personal Information to use the Services you want to use. If you do not provide the Personal Information, you may not be able to benefit from our Services if that information is necessary to provide you with the applicable Services or we are legally required to collect it.
When you register for an account or apply for a loan or other Services and Products through the Sites and Apps, we may access and collect the Personal Information you provide to provide the Services and Products you request, such as your name, contact information (including your mailing and billing addresses), e-mail address, Social Security number or taxpayer identification number, date of birth, phone number, username and password, income, liabilities, estimated and appraised property value, assets, home ownership status, employment status, insurance information, loan amount sought and demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements. This may also include collecting information from you such as your mortgage statements, tax returns, paystubs, bank statements, and any other documents that you upload to our Sites and Apps for our Services. We may also ask for additional Personal Information including your mobile phone number and your credit or debit card number or other financial account number. We will also collect and maintain information about all transactions associated with your account.
Some of our Services involve the collection and storage of financial and related information, such as (1) outstanding loans or other financial obligations, financial account balances, payment histories, account activity, and other information that may be contained in statements or other reports relating to your debts and assets, (2) information from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, and/or ability to satisfy your obligations, and (3) your income range. This information will only be collected if applicable to your use of the Services and will be collected and stored in accordance with this Policy, all applicable laws and, where required, with your consent and/or at your instruction.
When you use some of our Services, you may choose to provide certain information directly to us to request more information about our Services or for other reasons. We will collect, use, share and store this Personal Information consistent with this Policy. In some cases we may also be required to retain records of this information as required by applicable federal and state laws and regulations.
We may collect your Personal Information from third party affiliates or business partners such as social media sites, ad networks, analytics providers, loan officers, borrowers, or real estate agents. If you are a borrower and you have instructed your loan officer or real estate agent not to provide us with Personal Information, you will not be able to use certain features of our Sites or utilize our products or services.
If you are a borrower, we may also collect other information about you from loan officers or real estate agents that utilize our products and services, which does not constitute Personal Information, including, but not limited to (1) income range, (2) appraised value of your property, (3) statistics about your property, (4) property purchase price, (5) loans you may have, (6) expenses related to your property, (7) information about your use of the Sites, and (8) information related to your credit history.
When you use our Sites and Applications, our servers automatically record information that your browser or device sends whenever you visit a website or utilize an application. This information may include your IP address, the type of device you are using, your browser type, the internet service provider or mobile carrier you are using, your device identifiers, your mobile telephone number, your geographic location and your activities within the Services, including the links you click, the pages or screens you view, your session time, the number of times you click a page/screen or use a feature of the Services, the date and time you click on a page or use a feature, the amount of time you spend on a page or using a feature and other technical information such as protocol status and substatus, bytes sent and received.
Like many websites, our Sites also use "cookie" technology to collect additional website usage data and to improve the Sites and our Services. A cookie is a small data file that we transfer to your computer's hard disk. A session cookie enables certain features of the Sites and is deleted from your computer when you disconnect from or leave the Sites. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Sites. We may use both session and persistent cookies to better understand how you interact with our Sites, to monitor aggregate usage by our uses and web traffic routing on our Sites, and to improve our Sites and Services. You may also be able to configure your computer or mobile device to limit the collection of these "cookies," but that limitation may also limit our ability to provide all of the services or functionalities of the Sites. For more information about cookies, including how to set your internet browser to reject cookies, please go to www.allaboutcookies.org.
We may also automatically record certain information from your device by using various types of technology, including "clear gifs" or "web beacons." This automatically collected information may include your IP address or other device address or ID, web browser and/or device type, the web pages or sites that you visit just before or after you visit our Sites, the pages or other content you view or otherwise interact with on our Sites and the dates and times that you visit, access or use our Sites. We may also use these technologies to collect information regarding your interaction with email messages, such as whether you opened, clicked on or forwarded a message, to the extent permitted under applicable law.
Please note that we have not yet developed a response to browser "Do Not Track" signals, and do not change any of our data collection practices when we receive such signals. We will continue to evaluate potential responses to "Do Not Track" signals in light of industry developments or legal changes. Currently, we do not track your personal information over time and across third-party websites.
We may display third-party content on the Sites, including third-party advertising. Third-party content may use cookies, web beacons or other mechanisms for obtaining data in connection with your viewing of the third-party content on our Sites.
Additionally, we may implement third-party buttons, such as Facebook "share" buttons, that may function as web beacons even when you do not interact with the button. Information collected through third-party web beacons and buttons is collected directly by these third parties, not by ABC GRAND INC. Such third parties may obtain information about your browsing or usage habits but this information should not include personal information collected by us. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent. Please consult such third party's data collection, use and disclosure policies for more information.
Our website, including content hosted or delivered through Encompass Consumer Connect, may use cookies and similar technologies to enhance functionality, maintain secure sessions, and collect aggregated visitor data through tools such as Google Analytics. These cookies do not collect personal information unless you voluntarily provide it. You may adjust your browser settings to decline or delete cookies at any time.
Our Sites may contain links to other websites. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer or mobile device, collect data or solicit Personal Information from you. Other sites follow different rules regarding the use or disclosure of the Personal Information you submit to them. We are not responsible for the content, privacy and security practices, and policies of third-party sites or services to which links or access are provided through our Sites. We encourage you to read the privacy policies or statements of the other websites you visit.
We may use the information we collect for non-marketing purposes including (1) validating your identity; (2) sending you push notifications or e-mails to provide you with alerts and updates about your account and our Services; (3) processing your transactions; (4) conducting statistical or demographic analysis; (5) complying with legal and regulatory requirements; (6) customizing your experience with the Services; (7) protecting and defending ABC GRAND INC and its affiliates against legal actions or claims; (8) preventing fraud; (9) debt collection; (10) satisfying contractual obligations; (11) cooperating with law enforcement or other government agencies for purposes of investigations, national security, public safety or matters of public importance when we believe that disclosure of Personal Information is necessary or appropriate to protect the public interest; (12) improving customer service; and (13) for other business purposes permitted under applicable law (collectively, "Non-Marketing Purposes").
We may use the Personal Information we collect for our own marketing purposes including notifying you of special promotions, offers and events via push notifications, email and other means, including SMS messaging, subject to compliance with applicable laws. We may also link Personal Information (including your name, mobile phone number, and email address) with non-personal information (including Personal Information automatically collected as described in this Policy) and use such information for our own marketing purposes. If you do not want to use your Personal Information for marketing purposes, you may opt-out in accordance with the procedures described in the "Managing Your Personal Information" section below.
IF YOU PROVIDE A CELL PHONE NUMBER AND EXPRESSLY CONSENT TO RECEIVE SMS MESSAGES FROM ABC GRAND INC, YOU EXPRESSLY CONSENT TO RECEIVING SMS MESSAGES FROM ABC GRAND INC, THE PURPOSE OF WHICH IS TO MARKET ABC GRAND INC AND OUR SERVICES. ALTHOUGH THERE IS NO FEE ASSOCIATED WITH THIS SERVICE, YOUR CARRIER MAY CHARGE YOU FOR EACH MESSAGE YOU RECEIVE IN ACCORDANCE WITH YOUR CALLING PLAN. YOU AGREE THAT WE ARE NOT RESPONSIBLE IN ANY WAY FOR SUCH CHARGES. IF YOU DO NOT WISH TO CONTINUE TO RECEIVE ANY MARKETING SMS MESSAGES VIA YOUR MOBILE DEVICE, YOU MAY OPT-OUT AT ANY TIME BY CONTACTING US AT info@abcgrandinc.com OR BY TEXTING "STOP" IN RESPONSE TO A MARKETING SMS MESSAGE YOU RECEIVE FROM ABC GRAND INC. FAILURE TO OPT-OUT CONSTITUTES YOUR CONSENT TO CONTINUE TO RECEIVE THESE MARKETING SMS MESSAGES UNTIL YOU ELECT TO OPT-OUT.
We may also use information in the aggregate to understand how our users as a group use the Services provided on our Applications. ABC GRAND INC will not collect additional categories of Personal Information or use the Personal Information we collect for materially different, unrelated or incompatible purposes without providing you notice.
For business purposes, we may share certain Personal Information we receive from and about you, and about your transactions with us, with our affiliates and certain third parties. Doing so allows us to provide the Services you request. If you are a borrower, we will share your Personal Information to provide you with Services and Products we provide and our Services with your lender and/or real estate agent, as described in the Terms of Service. The Personal Information we share about you with such third parties, as required or permitted by law, for originating, denying, or approving and funding loans, and providing other Services and Products could include service providers who assist us in the in the administration, processing, closing, settlement, title or other insuring, servicing, and sale of your loan, or other service providers who assist us in fulfilling products and services for you. These third parties include among others, loan origination system providers, lenders, title companies, appraisers, insurance companies, real estate companies, underwriting services, notary services, processing services, printing companies, document providers, software and technology providers, fraud detection companies, marketing services providers, and purchasers of loans. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
Your Personal Information may be shared with or collected by third party service providers who provide us with services, including, but not limited to, facilitating mailing information and services, data hosting or processing, credit card processing, or processing or fulfilling transactions. We require these third-party service providers to exercise reasonable care to protect your Personal Information and restrict their use of your Personal Information to the purposes for which it was provided to them.
We may also allow third party service providers to use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Services. For example, we use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies to help us analyze how users use the Site and Apps and enhance your experience when you use the Services. These tools use cookies to collect standard Internet log information and visitor behavior information in an anonymous form. If you would like to opt-out from the use of your information by Google analytics, you may use Google Analytics’ opt-out browser add-on designed for this purpose.
We may provide anonymized information to third parties. Any anonymized information we provide to third parties is not considered Personal Information and is not subject to the terms of this Policy.
In the event of a merger, acquisition, bankruptcy or other sale of all or a portion of our assets, we may transfer or allow third parties to use information owned or controlled by us. We reserve the right, in connection with these types of transactions, to transfer or assign your information and other information we have collected from our customers to third parties or to authorize third parties to use any such information retained by us to the extent you have authorized us to use your information, to the extent required by applicable law. Other than to the extent ordered by a bankruptcy court or other court, the use and disclosure of all transferred user information will be subject to this Policy. However, any information you submit or that is collected after this type of transfer may be subject to a new Privacy Policy adopted by the successor entity.
ABC GRAND INC cooperates with government and law enforcement officials or private parties to enforce and comply with the law. To the extent permitted under applicable law, we may disclose any information about you to government or law enforcement officials or private parties as we believe is necessary or appropriate to investigate, respond to, and defend against legal claims, for legal process (including subpoenas), to protect the property and rights of ABC GRAND INC or a third party, to protect ABC GRAND INC against liability, for the safety of the public or any person, to prevent or stop any illegal, unethical, fraudulent, abusive, or legally actionable activity, to protect the security or integrity of the Services and any equipment used to make the Services available, or to comply with applicable law.
You may decline to share certain information with us, in which case, we may not be able to provide you some of the Services and Products we offer through the Site and Apps methods. To protect your privacy and security, we take reasonable steps to verify your identity before granting you account access or making corrections to your information. We use reasonable security measures designed to prevent unauthorized intrusion to the Sites and Apps and the alteration, acquisition or misuse of personal information, however, we will not be responsible for loss, corruption or unauthorized acquisition or misuse of personal information that you provide through the Site and Apps that is stored by us, or for any damages resulting from such loss, corruption or unauthorized acquisition or misuse. You are responsible for maintaining the secrecy of your unique password and account information at all times.
From time to time (and with your consent when required), you may receive periodic mailings or emails from us with news or other information on events, products, services, discounts, special promotions, upcoming events or other offers from us or on our behalf. If at any time you wish to stop receiving emails or mailings from us please send us an email to info@abcgrandinc.com with the phrase "Privacy Opt-Out: ABC GRAND INC Social Mailings" in the subject line, or write to us at the address provided below, and we will remove you from our mailing list.
Alternatively, for email communications, you may opt out of receiving such communications by following the unsubscribe instructions set forth in most promotional email messages from us. Your unsubscribe request or email preferences change will be processed promptly, though this process may take several days. During that processing period, you may receive additional promotional emails from us.
If you wish to opt-out of receiving solicitations from us, or do not want us to share your Personal Information with ABC GRAND INC affiliates or partners for marketing purposes, you may email us at info@abcgrandinc.com, call 626-522-5678, or write to:
ABC GRAND INC
30 W Valley Blvd #201
Alhambra, CA 91801
If you prefer to not receive targeted advertising, you can opt out of some network advertising programs that use your Personal Information. To do so please visit the NAI Opt-Out Page: http://www.networkadvertising.org/choices. Please note that even if you choose to remove your information (opt out), you will still see advertisements while you are browsing online. However, the advertisements you see may be less relevant to you and your interests. Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.
ABC GRAND INC is committed to protecting the security of the Personal Information you provide to us and that we collect about you. We maintain commercially reasonable safeguards to maintain the security and privacy of personal information that you provide to us. Our safeguards vary based on the sensitivity of the information that we collect and store. Additionally, our Services and Products are designed to comply with the laws applicable to the highly regulated financial services industry. This includes utilizing practices and measures that are designed to comply with the requirements for safeguarding, using and protecting personal information as set out in laws such as the Gramm-Leach-Bliley Act of 1999, the Fair Credit Reporting Act, and the Real Estate Settlement Procedures Act.
Nevertheless, when disclosing Personal Information, you should remain mindful that there is an inherent risk in the use of email and the internet. Your information may be intercepted without our consent, collected illegally and used by others without your consent. We cannot guarantee the security of any information you disclose online, and you do so at your own risk. We recommend that you change your password periodically. You are responsible for maintaining the security of your account username and password. If you believe that your account username and/or password have been stolen or been made known to others, it is your responsibility to immediately contact us at info@abcgrandinc.com and change your password. We are not responsible if someone else accesses your account through information they have obtained from you.
Scope of Disclosures
This California Privacy Policy (the “CA Policy”) supplements the information contained in our Privacy Policy above and applies solely to individual residents of the State of California (“consumers” or “you”). This CA Policy describes how we collect, use, disclose, and otherwise process personal information of individual residents of the State of California, either online or offline, within the scope of the California Consumer Privacy Act of 2018 (CCPA). Unless otherwise expressly stated, all terms in this CA Policy have the same meaning as defined in our Privacy Policy or as otherwise defined in the CCPA.
Personal Information Disclosures
When we use the term “personal information” in this CA Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. This CA Policy does not apply to personal information we collect when we are acting as a service provider to process information on behalf of our clients to whom we provide legal services.
For the purposes of this CA Policy, personal information does not include:
Collection and Use of Personal Information
We collect personal information from and about consumers for a variety of purposes. To learn more about the types of personal information we collect, the sources from which we collect or receive personal information, and the purposes for which we use this information, please refer to the Information We Collect section in our Privacy Policy above.
In the last 12 months, we have collected the following categories of personal information, from the following sources (in some cases the information we collect may fall within more than one category):
| Category | Collected | Categories of Sources |
|---|---|---|
| Identifiers, such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, account number, social security number, driver’s license number, passport number, information for fraud detection and prevention, financial information such as assets and liabilities, or other similar identifiers and personal information needed to provide mortgage loan, real estate settlement service, and homeownership related services to you. | Yes |
- Directly from you - Our business partners and affiliates - Third parties you direct to share information with us |
| Characteristics of protected classifications under California or federal law, such as race, religion, sexual orientation, gender identity, gender expression, or age | Yes |
- Directly from you - Our business partners and affiliates - Third parties you direct to share information with us |
| Commercial Information, such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies | Yes | Directly from you |
| Biometric information: Hair color, eye color, fingerprints, height, retina scans, facial recognition, voice, and other biometric data | No | Not applicable |
| Protected Classification Characteristics, such as age, gender, religion, and disability information | Yes | Directly from you |
| Internet/Network Information, such as browsing history, search history, and information regarding a consumer's interaction with an Internet website, application, or advertisement | No | Not applicable |
| Geolocation Data, such as information about your physical location collected from geolocation features on your device, including your IP address | No | Not applicable |
| Audio, electronic, visual, thermal, olfactory, or similar information, such as telephone recordings when you call into our customer service | Yes | Directly from you |
| Professional/Employment Information, such as your employing entity, business unit, manager and management reporting structure, job title, income, function and the nature of your duties and responsibilities | Yes |
- Directly from you - Third parties you direct to share information with us |
| Inferences, including information generated from your use of the websites reflecting predictions about your interests and preferences | Yes |
- Your browser or Device - Information generated from your online browsing and usage activity |
| Other Personal Information, such as information you permit us to see when interacting with us through social media, or comments and opinions you provide to us such as when you complete an online survey | Yes |
- Directly from you - Our business partners and affiliates - Third parties you direct to share information with us - Information generated from your online browsing and usage activity |
We may collect, use or disclose personal information about you for one or more of the following purposes:
Please refer to the Who We Share Personal Information With section in our Privacy Policy for more information on how we have shared personal information about you in the past 12 months.
As a California resident, you may be able to exercise the following rights in relation to the Personal Information about you that we have collected (subject to certain limitations at law):
| The Right to Know |
You have the right to request any or all of the following information relating to your personal information we have collected and disclosed in the last 12 months, upon verification of your identity: - The specific pieces of personal information we have collected about you; - The categories of personal information we have collected about you; - The categories of sources of the personal information; - The categories of personal information that we have disclosed to third parties for a business purpose, and the categories of recipients to whom this information was disclosed; - The categories of personal information we have sold about you (if any), and the categories of third parties to whom the information was sold; and - The business or commercial purposes for collecting or, if applicable, selling the personal information. |
|---|---|
| The Right to Request Deletion | You have the right to request the deletion of personal information we have collected from you, subject to certain exceptions. |
| The Right to Opt Out of Personal Information Sales |
We do not sell your personal information for monetary consideration. However, California law may characterize our sharing of personal information with companies that provide services to us, such as companies that help us to market or advertise our products and services to you, as “sales.” We may “sell” or may have “sold” the following categories of personal information for valuable consideration to the third parties listed below: Categories we may sell or may have sold this information to Advertising companies: - Device identifiers - Online or network activity information - Commercial information - Inferences |
| The Right to Correct Inaccurate Personal Information | You have the right to request that we correct certain personal information that we have collected about you. |
| The Right to Limit the Use and Disclosure of Sensitive Personal Information. | You have the right to limit the use of certain sensitive personal information that we have collected about you. You can direct businesses to only use your sensitive personal information (for example, your social security number, financial account information, your precise geolocation data, or your genetic data) for limited purposes, such as providing you with the services you requested. |
| The Right to Non-Discrimination |
You have the right not to receive discriminatory treatment for exercising these rights. However, please note that if the exercise of these rights limits our ability to process personal information (such as in the case of a deletion request), we may no longer be able to provide you our products and services or engage with you in the same manner. |
| “Shine the Light” | California residents that have an established business relationship with us have rights to know how their information is disclosed to third parties for their direct marketing purposes under California’s “Shine the Light” law (Civ. Code §1798.83). |
To exercise your Right to Know and/or your Right to Deletion, please submit a request by:
Verifiable Consumer Requests. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may only make a verifiable consumer request for access to your personal information twice within a 12-month period.
The verifiable consumer request must:
We cannot respond to your request to exercise your access and/or deletion rights if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we consider requests made through your password-protected account sufficiently verified when the request relates to personal information associated with that account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We attempt to respond to a verifiable consumer request within 45 days after we receive it. If more time is needed (up to 90 days), we will inform you in writing within 45 days of receiving your request. If you have an account with us, we will deliver our written response to that account. If you do not, we will send the response by mail or electronically, at your option.
Disclosures will only cover the 12-month period preceding the request date. If we cannot comply, we will explain why. For access requests, we will provide your information in a readily usable format that should allow you to transmit it without hindrance.
We do not charge a fee unless the request is excessive, repetitive, or manifestly unfounded. If a fee applies, we will provide a cost estimate before processing.
You have the right to direct us to not sell your personal information. To request this, please email info@abcgrandinc.com with the subject line: “CCPA – Do Not Sell”.
We may still use aggregated and de-identified information and retain data for legal compliance, dispute resolution, and enforcement purposes.
We do not sell the personal information of consumers we know are under 16 years of age unless we receive affirmative authorization. This right (“Right to Opt In”) must come from the minor (if aged 13–16) or a parent/guardian (if under 13).
California residents with an established business relationship with us may request information once per calendar year regarding our disclosure of certain types of personal information to third parties for their direct marketing purposes. To make such a request, please email info@abcgrandinc.com. Requests not sent to this address may not receive a response.
In compliance with the CCPA, we are committed to resolving complaints about your privacy and personal information. California residents can contact us at 212-277-6527 or info@abcgrandinc.com for inquiries or complaints.
We may update this CA Policy from time to time. When we do, the “Last Updated” date will change. All updates are effective upon publication unless stated otherwise.
If you have any questions or privacy-related requests, please email us at info@abcgrandinc.com.