Online Privacy Notice
We Respect Your Privacy
Three Creeks Media (“Company” or “We”) respect your privacy, and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used.
This policy describes the types of information we may collect from you or that you may provide when you visit Refi.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we collect:
- On this Website.
- In email, text, and other electronic messages between you and this Website.
- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
It does not apply to information collected by:
- Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
- Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
What We Collect
We collect two types of information through this site: Personal and Non-Personal.
- Personal Information means personally identifiable information such as information you provide via forms, surveys, applications, or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or other applicable information.
- We may use Personal Information to:
- to present our Website and its contents to you;
- to provide you with information, products, or services that you request from us;
- to respond to your inquiries and fulfill your requests;
- to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
- to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;
- to personalize your experience on the Site;
- for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
- for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
- We also collect Non-Personal information which includes, but is not limited to: your IP address, referral data, the web pages you view while visiting our site and your interactions with those pages.
- We use this information to improved our site and better accommodate our visitors.
- We utilize “cookies” throughout our site to improve your experience and to help us understand our visitors’ needs. A “cookie” is a small text file that contains your anonymous information and is transferred onto your computer where it is stored, and then allows the website administrator to identify your computer and learn about how you use our web site. A “cookie” will not allow a web site to learn any personally identifiable information, like your name or address, which you otherwise would have disclosed. We use cookie information to identify and correct errors on our site and to determine the popularity of pages and to provide you with an excellent resource for mortgage information on the internet.
- We collect other site usage information via Google Analytics and Google’s DoubleClick cookie to serve ads over time based on a user’s prior visits to our website. You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.
- We use FullStory.com to collect information regarding your use of our site, including pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider. FullStory.com does not collect or store your interactions with any form inputs that could be used to personally identify you. Data is stored by FullStory.com for up to 60 days after your web session. You may opt out of this usage tracking by clicking here.
- California “Do Not Track” Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, Three Creeks Media websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.
How We Use Your Submitted Information
- If you submit a request for information (an “inquiry”) to Three Creeks Media, we will share the personal information that you provided, including but not limited to your full name, email address, telephone number, and any other information you provided (“Self-Reported Information”) with our Network Members to process and fulfill your request. You may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry.
- You may choose what information to provide us. You may choose to withhold certain information, but this may affect your ability to use certain features of our website. We encourage consumers to disclose all pertinent information so we can provide a high level of customer service and connect you with a Network Member.
- Three Creeks Media may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email [email protected] with the specific request.
How We Share your Information
- We may be required to disclose certain personal information resulting from a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena, court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.
Children’s Online Privacy Protection Act (COPPA):
- This site is intended for individuals age 18 and older. Children under the age of 18 should not use this site, and are expressly prohibited from using our services.
Three Creeks Media
1000 Walnut Street, Suite 1400
Kansas City, MO 64106