Last Updated: September 29, 2023

This Privacy Policy (“Policy”) describes how Embed Inc. d/b/a Pylon, Pylon Lending (“Pylon,” “we,” or “us”) may collect, use, disclose, and otherwise process personal information in connection with our “Powered by Pylon” suite of products and services that allows our business clients to integrate Pylon services or features within their own websites (collectively, the “Services” and “Partner/s”).

Effective January 1, 2020, the California Consumer Privacy Act (“CCPA”), as amended by the Consumer Privacy Rights Act of 2023, provides specific rights and protections to California residents. If you are a California resident, please see our Privacy Notice for California Consumers for more information. Pylon further recognizes privacy legislation in other states, including Colorado, Connecticut, Utah, and Virgina and will provide all consumer rights applicable in accordance with legal and regulatory thresholds.

data:image/png;base64,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

What We Collect

The categories of personal information we collect depend on how you interact with our Services, and the requirements of applicable law. For example, we may collect:

• Consumer’s Personal Information, such as a consumer’s name, address, telephone number, mobile number, email address, and Social Security Number.
• Loan Application Information, such as when you apply for a loan, a pre-approval letter, or request related information such as mortgage rates, we may collect financial information such as your household income and expenses, financial account details, employment history and payment card information, outstanding debt, mortgage pre-approval documentation, demographic information, and other information related to funding availability.
• Property Information, such as addresses, prices, photos, and other information about the properties.
• Correspondence, such as your feedback, questionnaire and other survey responses, and information you provide to our support teams.
• Online Identifiers, such as geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or personal IP addresses.
• Usage Data, such as authentication data, and other data collected via cookies and similar technologies.
• Information We Get From Others. We may obtain information about you from other sources, including through third party services and organizations. We may collect information about your identity and finances from third parties. For example, we may receive information about you from a third-party identity verification service. We may also receive information about your funding availability from a third-party financial institution. In addition, if you access our Services through a third-party application, such as a social networking site, third-party login service or other website (our “Partner/s”), we may collect information about you from that third-party that you have made available via your privacy settings or have otherwise consented to disclose. In addition, we may receive information about you from a third-party through which you have expressed interest in buying or selling a home and consented to sharing of your information for that purpose.
• Credit Information. When you check your rate or apply for a loan, we may collect information from credit bureaus and other third parties to facilitate determinations for credit eligibility, perform analyses, provide you with marketing offers, and/or assess risks related to extending credit to you and any co-applicant, and, if you are a loan applicant, to help investors determine whether to commit to your loan. Such information may include your credit score, credit history, and other information related to your creditworthiness, identity, and financial transactions. When you obtain a loan, we may also collect information throughout the life of your financial obligation to us from the credit bureaus and other third parties in order to assess risks associated with your financial obligation, perform analyses, provide information to investors interested in buying or selling your financial obligation, and/or to provide you with marketing offers. If another entity refers you to us or assists you in any way in the application process, we may also collect your information from that company.
• Information from cookies and other tracking technologies. We, and third parties we authorize, may use cookies, web beacons, and similar technologies to record your preferences, track the use of our Sites and mobile apps, and collect information about the use of the Services, as well as about our interactions with you. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data, and information about your interactions with the communications we send to you. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Services may not function properly.
• Third Party Property Information. We may collect information about properties from third parties. This information may include photos, location, price and sales transaction details, tax records, and appraisals. This third party property information may relate to properties you identify, and may be associated with your account.

How We Use Information

We use your personal information for a variety of business purposes, including:

• Providing Services And Features. We may use the information we collect to provide, personalize, maintain, and improve our products and Services. This includes using information to:
  1. operate, maintain, customize, measure, and improve our Services, and manage our business;
  2. create and update user accounts;
  3. process transactions, including providing services specific to the escrow and loan approval process;
  4. send information, including confirmations, notices, invoices, technical notices, updates, security alerts, and support and administrative messages; and
  5. to create de-identified or aggregated data.
  6. to assess and pursue potential business opportunities.
• Safety And Security. We may use your information to help maintain the safety, security, and integrity of you as a customer and our Services, including to:
  1. protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
  2. monitor and verify identity or service access, combat spam, malware or security risks;
  3. perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems;
  4. enforce our agreements with third parties, and address violations of our Terms of Service or agreements for other Services; and
  5. comply with applicable security laws and regulations.