PRIVACY POLICY

This Privacy Statement ("Statement") describes the policy adhered and enforced by International City Mortgage, Inc. DBA Doorway Home Loans, NMLS ID #222730 (herein after referred to as "Doorway" or "we", “us”, “our”) for collecting, managing, and using personal and corporate information collected by our employees and through our websites and mobile applications.

​Doorway is committed to respecting and protecting the personal privacy of its Consumers, Customers, Users and those who visit its Web site (“you” “your”). Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic, and procedural safeguards to protect Customer information. It is our policy to acquire personal information from users only by overt and voluntary means, only when it is in the interest of the Customer to provide it, and to utilize this information only for the purpose it was provided. Appropriate employees are authorized to access Customer information for business purposes only. 

​The information that follows explains the kinds of information we collect, how it is used, the conditions under which it is made available to third parties, how information is maintained, and our compliance with the Children's Online Privacy Protection Act. Doorway knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. You can choose to opt-out of certain disclosures and further described in this policy.  

​In some circumstances, Doorway may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you.

Please read this policy carefully to understand our policies and practices regarding your information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:​
 

Personal Information

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the internet. Examples of information we receive from you include your first and last name, mailing or property address, telephone number(s), email address, social security number, government issued identification number(s), demographic information and other personal information provided by you;
• Information we receive from you regarding financial information, such as bank account information, income, assets, liabilities, insurance and other financial statements;
• Information about your transactions with us or others. Examples of information relating to your transactions include loan number and account information, payment histories, account balances and account activity;
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit history, credit reports and other information relating to your creditworthiness;
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, employment information, income or deposits.

Browsing Information

Doorway may collect certain Browsing Information, such as IP locations, device ID, domain, and usage details.

Doorway web server collects aggregate data, such as geo location, device MAC addresses, time on pages, and the number of access attempts by page. Doorway may collect information from you before allowing access to certain resources and personalization features on the web site, or to request a quote, order products and services. Generally, when Personal Information is collected, it is used by Doorway to improve Web content; to respond to visitors' interests, needs and preferences; and to develop new products and services. Doorway does not share Personal Information with any third parties, except where user has further approved the release of such information (for example the ordering of credit reports and home appraisals) where might be needed to determine loan feasibility or quote rates.

How Information is Collected

Doorway collects information from our users in different ways. Users can contact Doorway via voice (phone communication), electronic FAX, social media, personal contact, and via web sites. These ways include:

• Information on applications and forms we receive from you or your authorized representative;
• Information from employers and financial institutions;
• Information from correspondence sent by you or by others;
• Information we receive from you through our Website;
• Information that we receive from nonaffiliated third parties;
• Information we receive from our service providers;
• Information from consumer or other reporting agencies;
• Information from public records maintained by governmental entities that we obtain directly from those entities;
• Information we receive from other sources, as permitted by applicable laws, rules, and regulations and
• Information from cookies, log files and links.

We might send cookies to your computer in order to uniquely identify your system’s browser and improve the quality of our service. "Cookies" refer to small pieces of information that a website sends to your computer's storage drive while you are viewing the Site. We may use both session cookies (which expire once you close your browser) and persistent cookies (which stay on your computer until you delete them). Persistent cookies can be removed by following your browser help file directions. If you choose to disable cookies, some areas of the Site may not work properly or at all. These cookies collect information about your use of the Site, such as where you came from, which pages you visited within the Site, and possibly other sites you visit if those sites cooperate with the same third party, but DO NOT collect your name, email address, contact information or other personally identifiable information that by itself would allow the third party to identify or contact you.

​Log Files

Like most standard web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.​

​​Links

The Doorway web site contains links to other sites or site-specific content. Please be aware that Doorway is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by Doorway’s Website.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information, for business purposes as follows:

• Allowing you to use and interact with our website;
• Operating and optimizing services, such as by conducting analytics and research;
• Monitor and analyze trends and usage;
• Contacting and communicating with you, including for promotions, updates, and announcements;
• Compiling aggregate data for internal and external business purposes;
• Detecting security incidents, preventing potentially fraudulent, illegal, or harmful activities and otherwise enforcing our policies;
• Protecting you and our rights and complying with legal obligations;
• Any other purpose that is disclosed to you at the time we collect the information or that is related to a request made by you.

Information We Share or Disclose

LEGAL DISCLAIMER: ALTHOUGH WE MAKE EVERY EFFORT TO PRESERVE USER PRIVACY, WE MAY NEED TO DISCLOSE PERSONAL INFORMATION WITHOUT OBTAINING YOUR PRIOR AUTHORIZATION. DOORWAY MAY PROVIDE YOUR PERSONAL INFORMATION AND BROWSIING INFORMATION TO VARIOUS INDIVIDUALS AND COMPANIES, BUT ONLY AS PERMITTED BY APPLICABLE LAW. DOORWAY MAY SHARE INFORMATION TO:

• NONAFFILIATED THIRD-PARTY SERVICE PROVIDERS WHO PROVIDE OR PERFORM SERVICES ON OUR BEHALF;
• OTHER THIRD PARTIES FOR WHOM YOU HAVE GIVEN US WRITTEN AUTHORIZATION TO DISCLOSE YOUR PERSONAL INFORMATION, FOR SERVICES YOU HAVE REQUESTED;
• THIRD PARTIES THAT ENABLE DOORWAY TO CONDUCT INVESTIGATIONS, PREVENT CRIMINAL ACTIVITY, IDENTIFY FRAUD OR MATERIAL MISREPRESENTATION, OR TO REPORT INSTANCES OF FRAUD;
• REPORT AS REQUIRED BY LAW WHEREIN WE HAVE A GOOD-FAITH BELIEF THAT SUCH ACTION IS NECESSARY TO COMPLY WITH A CURRENT JUDICIAL PROCEEDING, A COURT ORDER, SUBPOENA OR LEGAL PROCESS, TO ANY GOVERNMENT OR LAW ENFORCEMENT AGENCY IN CONNECTION WITH A CIVIL OR CRIMINAL INVESTIGATION, OR U.S. FEDERAL, STATE, GOVERNMENTAL, AND ENFORCEMENT AGENCY
• ANY PARTY THAT HAS A CLAIM OR INTEREST IN THE TRANSACTION OR TITLE, SUCH AS CREDITORS, LIEN HOLDERS, TITLE AND INSURANCE AGENTS, AND OTHER INTERESTED PARTIES THAT HAVE CLAIM TO JUDGEMENTS AND LIENS
• ENFORCE THIS PRIVACY NOTICE OR AS NECESSARY TO PROTECT AND DEFEND THE RIGHTS OR PROPERTY OF DOORWAY OR DOORWAY AFFILIATES, INCLUDING THEIR WEB SITES. EXCEPT AS EXPRESSLY STATED IN THIS PRIVACY STATEMENT

UNLESS PERMITTED BY APPLICABLE LAW, DOORWAY DOES NOT SHARE ANY PERSONAL INFORMATION. WE MAY HOWEVER SHARE AGGREGATE DATA WITH THIRD PARTIES WHERE SUCH DISCLOSURE DOES NOT ENTAIL THE DISCLOSURE OF ANY PERSONALLY IDENTIFIABLE INFORMATION.

Security

This Web site takes commercially reasonable precautions to protect our users' information. All information entered by a user on the site is encrypted and is protected with SSL encryption software. All purchase transactions that occur on our store are transmitted via an SSL secure server with a digital certificate. We do not store credit card numbers of any sort in our online store for security purposes. If users have any questions about the security at our Web site, users can send an email to info@Doorway.com.

​It is still your responsibility to protect your username, password, and other user account information. Should you proceed to using our website, you agree to immediately notify us of any unauthorized use of your username, password, and/or user account information, and/or any other breach of security and to use your user information responsibly. While we may make a reasonable effort to protect and secure your information, we do not and cannot guarantee or warrant that any information transmitted through the Internet is secure.

​By submitting data on our website, you are providing explicit consent to transmission of data collected on the website. If you do not agree with our policies and practices, you may choose not to use our website.

​Opting Out and Correcting Personal Information

If a user's personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires our service they should contact their assigned representative or email our Customer Support Department at info@Doorway.com.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this Privacy Statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. If, however, we are going to use users’ Personal Information in a manner different from that stated at the time of collection we will notify users via email. Users will have a choice as to whether or not we use their Personal Information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their Personal Information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post a notice we will also email users who have opted to receive communications from us, notifying them of the changes in our privacy practices.

​Children's Online Privacy Protection Act (COPPA) of 1998

Doorway does not use its Site to collect any personally identifiable information from children under sixteen (16) years of age. Any input form that requests personally identifiable information that appears on an interface that is expected to be viewed by children under sixteen (16) years of age is accompanied by a notice that submissions cannot be accepted from users under sixteen (16) years of age. Where "age" or "date of birth" is requested, no information will be stored or transmitted unless the response indicates that the user is sixteen (16) years of age or older. Doorway adheres to provisions of COPPA 1988, including new provisions introduced July 1st, 2013. If you become aware that your child has provided us with personal information without your consent, please contact us. If we become aware that a child sixteen (16) or under has provided us with personal information without parental consent, we will take steps to remove their information and terminate the child's account.

Specifically, the Website is intended for adults and is not intended or designed to attract children under the age of sixteen (16).

​Employment Opportunities

For individuals interested in job opportunities with Doorway, we may collect your Personal Information for recruitment purposes. Such Personal Information may include information in your resume, employment history, and information related to your demographics.

​Other Privacy Commitments

This Privacy Policy includes provisions specified in the “Do-Not-Call” Registry Act of 2003 under the Telephone Consumer Protection Act for all consumers and as pursuant to state law. When you talk with a representative of Doorway by telephone, your conversation may be monitored or recorded by us.

​Additional State Requirements

You may have other privacy protection rules under individual state laws. To the extent these laws apply, we will comply with them to the best of our ability.

For Nevada Residents Only

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the Section titled “Actions You Can Take.” Nevada law requires that we also provide you with the following contact information:

​Bureau of Consumer Protection, Office of the Nevada Attorney General

555 E. Washington St., Suite 3900, Las Vegas, NV 89101

Phone: 702-486-3132

Email: BCPINFO@ag.state.nv.us

For Vermont Residents Only

The information-sharing practices described in this policy are in accordance with federal law. Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of those states.

​In accordance with Vermont law, Doorway will not share information we collect about Vermont residents with companies outside of Doorway except as permitted by law, such as with the consent of the customer, to service the customer’s accounts or to other financial institutions with which we have joint marketing agreements. Doorway will not share Application Information, Consumer Report Information and Information from Outside Sources about Vermont residents among the Doorway companies except with the authorization or consent of the Vermont resident.

For California Residents Only

In accordance with California law, Doorway will not share information we collect about California residents with companies outside of Doorway except as permitted by law, such as with the consent of the customer, to service the customer’s accounts or to fulfill on rewards or benefits. We will limit sharing among our companies to the extent required by applicable California law. We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by law.

​California residents – click here to access California Privacy Disclosure in accordance with the California Consumer Privacy Act of 2018.

For Delaware Residents Only 

We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by law. 

For Oregon Residents Only 

We will not share your Personal Information and Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes.

Actions You Can Take

If you have any questions, suggestions, or complaints regarding our privacy policy, contact us via any of the following methods:

​Phone: (714) 637-6200

Email: info@Doorway.com

Mail: 17875 Von Karman Ave, Suite 117, Irvine CA 92614

Attention: Compliance

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Your Consent to this Privacy Notice

By submitting Personal Information and/or Browsing Information, you consent to the collection and use of information by us in accordance with this Privacy Notice and in accordance with changes made from time to time.

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We may use any feedback that you may submit, as permitted by applicable law, without any notice or compensation.

Effective September 18, 2023