Signature Commission Advance

PRIVACY POLICY

 

Last updated: June 4, 2019

 

Thank you for choosing Signature Commission Advance (“Company", “we”, “us” or “our”) located at https://www.signaturecommissionadvance.com/ (the “Site”). The Site is owned and operated by Signature Ancillary Services, LLC on behalf of Company. We are committed to protecting your personal information and your right to privacy.

 

This privacy policy (“Privacy Policy”) applies to all information collected through our Site and/or any related services, products, sales, marketing, or events (which we refer to collectively as “Sites”).

 

When you visit our Sites and use our products and services, you trust us with your personal information. We take the protection of your personal information and your privacy very seriously. In this notice, we describe our Privacy Policy and seek to explain in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope that you take some time to carefully read through this notice, as it is important. If you have any questions or concerns about our policies or our practices regarding your personal information, please contact us at info@signaturecommissionadvance.com.

 

Please read this Privacy Policy carefully as it will help you make informed decisions about sharing your personal information with us.

 

If there are any terms in this Privacy Policy that you do not agree with, please discontinue use of our Sites and our products and services.

 

1. WHAT INFORMATION DO WE COLLECT?

 

In short: We collect personal information that you provide to us, including personal information in connection with your request for a commission advance, as well as information related to the particular transaction for which you are seeking a commission advance.

 

You can browse our Sites without revealing any information about yourself. However, if you want to use our products and services, you must register with us by providing certain personal information and, where needed, transaction information. We only use such information to help create and service your account, to provide you with payment of any approved commission advance, to inform you about any promotions that may be of interest to you, and to improve your overall experience.

 

(a) Personal information you disclose to us

 

We collect personal information that you voluntarily provide to us when registering on our Sites to obtain our products and services, when participating in activities on our Sites, or otherwise contacting us.

 

The personal information that we collect depends on the context of your interactions with us and the Sites, the choices you make, and the products and/or services and features you use. The personal information we collect can include the following:

 

  • Name and Contact Data. We collect your first and last name, email address(es), postal address, phone number, and other similar contact data.

  • Credentials. We collect passwords, password hints, and similar security information used for authentication and account access.

  • Payment Data. We collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by our payment processor and you should review their privacy policies and contact the processor directly with any questions about their privacy policies.

  • Bank/Deposit Data. We collect data related to your bank account or other deposit institution for purposes or providing you with an approved commission advance.

  • Other Data. Information you provide when you contact us (for example for help), when you submit an application to us, and when you obtain services from us (for example: your date of birth, Social Security number, driver’s license number, and/or real estate license number.

 

In addition to your personal information, we collect transaction information when you request a commission advance. This information can include: buyer/seller names; property address; deposit amount; sale type (condo, new home construction, town home, etc.); purchase price; closing entity (attorney, title company); closing date; and commission earned.

 

All personal information as well as transaction information that you provide to us must be true, complete, and accurate. In addition, you must notify us in a timely manner if there are any changes to the information that you previously provided to us.

 

(b) Information automatically collected

 

In Short: Some information – such as IP address and/or browser and device characteristics – is collected automatically when you visit our Sites.

 

We automatically collect certain information when you visit, use, or navigate our Sites. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Sites, and other technical information. This type of information is primarily used to maintain the security and operation of our Sites, and for our internal analytics and reporting purposes.

 

Like many businesses, we also collect information through cookies and similar technology. Cookies are small files that a site or its service provider transfers to your computer through your web browser (if you allow this) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. This is further described below under “Cookies and Similar Technologies”.

 

(c) Information collected from other sources

 

In Short: We may collect limited data from public databases, marketing partners, and other outside sources.

 

We may obtain information about you from other sources, such as public databases, joint marketing partners, as well as from other third parties. Examples of the information we may receive from such other sources include: social media profile information, marketing leads and search results, and links, including paid listings (such as sponsored links).

 

2. HOW DO WE USE YOUR INFORMATION?

 

In Short: We process your information for purposes based on legitimate business interests, the fulfillment of our obligations to you, compliance with our legal obligations, and/or your consent.

 

We use personal information collected from you on our Sites for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests (“Business Purposes”), in order to enter into a contract with or perform a contractual obligation for you (“Contractual”), with your consent (“Consent”), and/or for compliance with our legal obligations (“Legal Reasons”). We indicate the specific processing grounds we rely on next to each purpose listed below.

 

We use the information we collect or receive:

 

  • To facilitate account creation and logon process with your Consent. If you choose to link your account with us to a third-party account, we use the information you allowed us to collect from such parties to facilitate the account creation and logon process.

  • To send administrative information to you for Business Purposes, Legal Reasons, and/or possibly for Contractual. We may use your personal information to send you product, service, and new feature information, and/or information about changes to our terms, conditions, and policies.

  • For other Business Purposes. We may use your information for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and to evaluate and improve our Sites, products, services, marketing, and your experience.

  • We may also use the information you provide to contact you periodically with important information, required notices, and marketing promotions.

 

Request for Commission Advance –Registration Process

 

When you request a commission advance, you are required to complete a registration form https://www.signaturecommissionadvance.com/. As part of this process, you are required to provide two types of information: personal information and transaction information. Your personal information is collected for several reasons. For example, Social Security numbers are used for customer identification purposes, as well as to provide you with tax-related information. Other personal information is collected to create a database of your information in order to avoid the need for re-entering the same information each time our products and services are used. We also use this information to contact you about the products and services on our Sites for which you have expressed interest. Transaction information is collected so we can verify that a sale has in fact occurred and that it was valid transaction.

 

In order for us to properly fulfill our obligation to you in connection with a commission advance request, it may be necessary for us to independently verify each sale contract with the attorney, escrow agent, or title company that is closing the sale. We do this by calling the contact name on the customer’s sales contract. We tell the contact that we are funding a portion of the commission on the sale and we ask that they confirm that they have opened escrow and are acting as the closing entity. We never contact buyers or sellers, and we never share any of your personal information with them.

 

3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?

 

In Short: We will only share your personal information, in order to comply with applicable laws; to protect your rights; and to fulfill our business obligations, with our trusted services providers and with our sister companies, partners, and joint venture partners; or as otherwise consented to by you.

 

We only share and disclose your information in the following situations:

 

  • Compliance with Laws and Court Orders. We may disclose your information where we are legally required to do so in order to comply with applicable laws, governmental requests, a judicial proceeding, court order, or legal process such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements). Should any court order or applicable law require that we disclose your personal information, we will do so only to the extent necessary to comply with such order or law.

  • Vital interests and Legal Rights. We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

  • Vendors, Consultants and Other Third-Party Service Providers. We may share your information with third-party vendors such as service providers, contractors, or agents who perform services for us or on our behalf and who require access to such information to do that work. Examples include: loan processing, payment processing, data analysis, email delivery, hosting services, customer service, and marketing efforts. We may allow select third parties to use tracking technology on our Sites, which will enable them to collect data about how you interact with the Sites over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand online activity.

  • Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any potential merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. However, in the unlikely event that we file for bankruptcy or bankruptcy proceedings are commenced against us under federal or state bankruptcy laws, your personal information will not be included among the assets sold, auctioned or otherwise transferred to a third party in satisfaction of debts owed by us.

  • Services Providers. We may disclose your personal information to our trusted service providers who work on our behalf, who do not have an independent use for the information we disclose to them, and who have agreed in writing to protect your personal information to the same degree and extent as our Privacy Policy.

  • Sister Companies, Partners, and Joint Venture Partners. We may disclose your personal information to our sister companies, partners, and joint venture partners provided they have agreed in writing to protect your personal information to the same degree and extent as our Privacy Policy.

  • With Your Consent. We may disclose your personal information for any other purpose with your consent.

 

Unless otherwise stated in this Privacy Policy, we will not sell, rent, or share your personal information with third parties.

 

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

 

In Short: We may use cookies and other tracking technologies to collect and store your information.

 

A “cookie” is information that is passed from a web server to a web browser. No personal information is passed or stored in a cookie. Our Site uses cookies to maintain the integrity of a customer login session. We may also use cookies and similar technologies (like web beacons and pixels) to access or store information. Additional information about how we use such technologies and how you can refuse certain cookies is described below under “Cookies and Similar Technologies.”

 

5. HOW LONG DO WE KEEP YOUR INFORMATION?

 

In Short: We keep information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless otherwise required by law.

 

We will only keep your personal information for as long as necessary for the purposes set out in this Privacy Policy unless a longer retention period is required or permitted by law (such as tax, accounting, to comply with legal obligations -- for example, if we are required to retain your information to comply with applicable laws, resolve disputes, and enforce our legal agreements and policies).

 

When we have no ongoing legitimate business need to process or retain your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store personal information and isolate it from any further processing until deletion is possible.

 

6. HOW DO WE KEEP YOUR INFORMATION SAFE?

 

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

 

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. You will notice the security lock next to our URL. This indicates that any information you enter on this Site is safe and secure. We take every precaution to protect your information, both online and off-line. The servers on which we store your personal information are kept in a secure environment. We also ensure our staff’s trustworthiness, and only employees who need your personal information to perform a specific job function have access to that information. However, please remember that we cannot guarantee that the Internet itself is 100% secure. Although we do our best to protect your personal information, transmission of personal information to and from our Sites is at your own risk and you should only access the products and services within a secure environment.

 

Third-Party Links: Our Sites may contain links to other websites. Our Privacy Policy applies solely to our Sites, and we make no representations or warranties about, nor are we responsible for, the privacy practices of other websites. When you enter a linked website, we encourage you to read the privacy policy of that linked website, as its privacy policy may differ substantially from ours.

 

7. DO WE COLLECT INFORMATION FROM MINORS?

 

In Short: We do not knowingly or intentionally collect data from or market to children under 18 years of age.

 

We do not knowingly or intentionally solicit data from or market to children under 18 years of age. By using our Sites, you represent that you are at least 18 years of age, or that you are the parent or guardian of a minor child under the age of 18 and that you consent to such minor dependent’s use of the Sites. If we learn that personal information from customers or users under the age of 18 has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at info@signaturecommissionadvance.com.

 

8. WHAT ARE YOUR PRIVACY RIGHTS?

 

In Short: You may review, change or terminate your account at any time.

 

Account Information

 

If at any time you would like to review or change the information in your account or terminate your account, you can contact us using the contact information provided at the end of this notice.

 

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use, and/or comply with legal requirements. In addition, we may retain information about an individual transaction or service request in order to complete that transaction and for recordkeeping purposes.

 

Cookies and Similar Technologies

 

Most web browsers are set to accept cookies by default. If you prefer, you can have your computer warn you each time a cookie is being sent, or you can choose to turn off cookies. You can do this through your browser (like Internet Explorer, etc.) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify cookies. If you disable cookies, some features of a site will also be disabled and this may make your experience with that site less efficient and some services may not function properly or at all.

 

Opting Out of Email Marketing

 

You can unsubscribe from our marketing email list at any time by clicking on the “unsubscribe” link in the emails that we send or by contacting us using the details provided at the end of this notice. You will then be removed from the marketing email list. However, we may still need to send you service-related emails that are necessary for the administration and use of your account. To otherwise opt-out, you can contact us using the contact information provided at the end of this notice.

 

Based on the laws of some countries, you may have the right to request access to the personal information we collect from you, change that information, or in some circumstances delete it. To request to review, update, or delete your personal information, please submit a request form by clicking here: by emailing info@signaturecommissionadvance.com.

 

If you are a resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm

 

9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

 

In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

 

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users and customers who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below towards the end of this notice.

 

If you are under 18 years of age, reside in California, and have a registered account with the Sites, you have the right to request removal of unwanted data that you publicly post on the Sites. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure that the data is not publicly displayed on the Sites, but please be aware that the data may not be completely or comprehensively removed from our systems.

 

10. DO WE MAKE UPDATES TO THIS PRIVACY POLICY?

 

In Short: Yes, we will update this Privacy Policy as necessary to stay compliant with relevant and applicable laws.

 

We may update this Privacy Policy from time to time. The date of the most recent version will be indicated at the top of the first page of our Privacy Policy next to the words “Last updated”. Any updated version of our Privacy Policy will be effective as soon as it is posted and accessible on our Site. If we make any material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to remain informed of how we are protecting your information.

 

 

 

 

11. HOW CAN YOU CONTACT US ABOUT THIS PRIVACY POLICY?

 

If you have questions or comments about us, this Privacy Policy or our other policies, you may contact us by email at info@signaturecommissionadvance.com or by mail at:

 

Signature Commission Advance

901-C Clint Moore Road

Boca Raton, FL 33487

United States