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Introduction

DocMagic, Inc., a California corporation ("DM" or "we"), respects your privacy and we are committed to protecting it through our compliance with this privacy policy (“Privacy Policy”). This Privacy Policy describes the types of information we collect in the operation of our website located at www.docmagic.com (the “Site”), and our practices for using, maintaining, protecting, and disclosing that information.

ATTENTION: PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING OR SUBMITTING INFORMATION TO THE SITE.  BY USING THE SITE, YOU INDICATE THAT YOU ACCEPT THIS PRIVACY POLICY AND THE TERMS OF USE. WHENEVER YOU SUBMIT INFORMATION VIA THE SITE, YOU CONSENT TO THE COLLECTION, USE AND DISCLOSURE OF THAT INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY.   IF YOU DO NOT ACCEPT THIS PRIVACY POLICY AND THE TERMS OF USE, DO NOT USE THE SITE.

This Privacy Policy applies to information we collect:

  • On the Site, through any means of access.
  • In emails, text messages, and other communications we exchange with you through the Site.
  • Through mobile and desktop applications you download from the Site, which provide dedicated non-browser-based interaction between you and the Site.

It does not apply to information collected by:

  • DM offline, through any other means or any other website; 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 through the Site.

This Privacy Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Site after we make changes is deemed to be acceptance of those changes, so please check back periodically for updates.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Site, including information:

  • by which you may be personally identified, such as your name, postal address, e-mail address, telephone number, social security number, loan number, any other information the Site collects that is defined as personal or personally identifiable information under applicable law, or any other identifier by which you may be contacted online or offline ("personal information");
  • any information pertaining to your application for a mortgage loan or the loan itself;
  • that is about you but does not identify you as an individual, such as your property address or automobile that you own; and/or
  • about your internet connection, the equipment you use to access our Site and usage details.

We collect this information:

  • Directly from you when you provide it to us, directly or indirectly, through the Site.
  • Automatically as you navigate through the Site collected through cookies, web beacons, and other tracking technologies, as further described below.

Information You Provide to Us

The information we collect on or through our Site may include:

  • Information that you provide through our Site (including, without limitation, when you register to use our Site, post material, request further services, or report a problem with our Site).
  • Details of your correspondence to us when you contact us (including your email address).
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Details of your transactions (including, without limitation, mortgage loans) and orders processed through our Site.
  • Your search queries on the Site.

You may also provide information for transmission to third parties through the Site; see Third Parties Accessing the Site for more information.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Site, we may use automatic data collection technologies, such as cookies (“ADC Technologies”), to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Site.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use ADC Technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). See HOW TO OPT-OUT for information on how you can opt-out of behavioral tracking on this Site.

Information we collect through ADC Technologies may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us improve our Site and deliver a better and more personalized experience, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Site according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Site.

Cookies

  • Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use We Use and Disclosure Your Information
  • Web Beacons. Pages of our Site and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit DM, for example, to count users who have visited those pages or opened an email and for other related Site statistics (for example, recording the popularity of certain Site content and verifying system and server integrity).

Third Parties Accessing the Site

This Site may contain links to other entities’ websites that are not controlled or operated by DM (including, without limitation, third party advertisers). You also may provide information for transmission to these third party websites and/ or third party users of the Site.  All such transmissions are at your own risk.  This Privacy Policy does not apply to your interaction with such third parties, and DM is not responsible for the content of third party websites or the privacy practices of third parties (including, without limitation, third parties’ use of cookies, pixel tags and other technologies). Although we implement security measures and other controls, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Site with whom you may choose to share your information.

Therefore, we encourage you to request and review the privacy policies of any third parties prior to disclosing your information to such parties or upon visiting such third party websites.  We do not control third parties' collection or use of your information to serve interest-based advertising.

You can opt-out of interest-based advertising or other such third-party tracking mechanisms through any methods that the third-party tools provide as a part of their services. These third-party opt-out techniques may change or be modified by any third party in accordance with their own privacy policy and terms of service, so it is your sole responsibility to verify your privacy and shared information settings with all third party services, and maintain those settings as they are updated.  We cannot modify or otherwise control or exclude the information, personal information, or other metadata supplied to us by third parties as a result of our use of their services.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not constitute personal information, without restriction.  Aggregate information may be collected through the use of cookies as discussed herein, and not in a manner that is intended to identify you personally whenever possible. This aggregate information helps us assess and improve your experience.

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

  • To our subsidiaries and affiliates.
  • To contractors, business partners, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of DM’s business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by DM about our Site users is among the assets transferred.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of DM, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. To opt-out of any of the following:

  • Promotional offers from DM;
  • Tracking technologies and advertising; and
  • Targeted advertising;

 

HOW TO OPT-OUT

Correcting Your Information

You can review and change your personal information by logging into the Site and visiting your account profile page, if applicable.

You may also send us an email at techsupport@docmagic.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete any information you provided to or through the Site, copies of your information may remain viewable in cached and archived pages or might have been copied or stored by other Site users. Proper access and use of information provided on or through the Site is also governed by our Terms of Use

Data Security; Data Privacy

We have implemented measures designed to help secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls, however, we cannot guarantee that your personal information will never be disclosed in a manner inconsistent with this Privacy Policy (for example, as a result of unauthorized acts by third parties that violate applicable law).  Any payment information, including payment data, such as an account or card number assigned by an issuer that identifies an account number, name or other personal information, will be encrypted using AES technology. Your payment data (including but not limited to your credit card or other account number, expiration date, name and address) may be stored in a secure “vault” system and used if you should decide to make further purchases.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. It is your responsibility to protect the integrity of your computer accounts and passwords. To protect against unauthorized access to your account, be sure to log out each time you finish using the Site. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.

  • Data Transmission: When data is transmitted to or from the Site, it is encrypted using a minimum of 128-bit RSA keys over a TLS channel. Examples of this includes: WebDocs, DocMagic Online, DocMagic Direct, LoanMagic, Account Setup, and User Administration. If credit card information is transmitted, DocMagic reveals only the last four digits when confirming an order (of course, the entire credit card number is transmitted to the appropriate credit card company during order processing).
  • Network Security: DM employs multiple firewalls to keep out unwanted traffic and intruders. Additionally, an intrusion detection system is used to analyze traffic and alert network security personnel of suspicious activity. DM uses a patch management system to ensure that all servers are up to date with the most current security patches.
  • Data Privacy: Each account is treated as a separate entity. Data from different accounts cannot be co-mingled, and there is a logical separation between data maintained in different accounts. Any and all "nonpublic personal information" of your "customers" or "consumers" that DM collects, or that you disclose to DM, is used by DM and transmitted to third parties only as necessary in connection with DM’s provision of its loan document preparation, delivery, imaging, annotation and other related ancillary and complementary services upon your request for such services.
  • Disclosure: DM will not disclose any such nonpublic personal information to any other person, except as necessary in the provision of its services or as may be otherwise required by applicable law, unless you authorize DM to do so in writing. DM limits access to such nonpublic personal information to those of its employees and agents who reasonably need such information in order to allow DM to provide its services, and requires such persons to maintain the confidentiality of such information. The terms “nonpublic personal information,” “customers,” and “consumers” have the meanings set forth in Section 509 of the Gramm-Leach-Bliley Act (P.L. 106-102) and/or any federal regulations that implement that Act. DM has implemented appropriate measures that are designed to meet the objectives of the "Interagency Guidelines Establishing Standards for Safekeeping Customer Information," issued jointly by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision effective July 1, 2001.

 

HOW TO OPT-OUT

When you email us or register with us, you will have the ability to opt-out of receiving certain communications from DM, including voicemail or e-mail.  If you do not opt-out, but later decide that you would prefer not to receive e-mail communications from DM, please contact us at legal@docmagic.com. In addition, if you have an account with DM, you can opt-out by changing your DM account preferences.  Remember, however, that we may still send e-mail or call you in order to provide materials that you request.

Children Under the Age of 13

  • Our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or on or through any of its features, register on the Site, use any of the interactive or public comment features of this Site or provide any information about yourself to us, including, without limitation, your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at legal@docmagic.com to request that this information be deleted.
  • By using the Site, you hereby represent that you are at least 13 years old.  In addition, anyone under 18 years old should seek his or her parent’s or guardian’s permission prior to using or disclosing any personal information on or through the Site.

Changes to Our Privacy Policy

We reserve the right, in our discretion, to change, modify, add or remove portions of this Privacy Policy at any time and from time to time, without prior notice to you.  All revisions will be posted to the Site.  We urge you to review this Privacy Policy frequently for changes.  Your continued use of the Site means that you accept the current version of the Privacy Policy.  The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, in case we desire to e-mail you about material changes to our Privacy Policy.

Governing Law and Jurisdiction

You agree that any claim, action or proceeding arising out of this Privacy Policy, or your use of this Site, shall be governed by and construed in accordance with the laws of the U.S. and the State of California, without regard to principles of conflict of laws.  Any claim, action or proceeding related to this Privacy Policy will be resolved exclusively in the state or federal courts located in the State of California and you consent to the jurisdiction of those courts.

Special Notice to California Residents

Under California Civil Code Section 1798.83, also known as Senate Bill 27, or “Shine the Light” you are entitled to request and receive, free of charge, a copy of DM’s California Information Sharing Disclosure Notice for the previous calendar year. You may email us at legal@docmagic.com to request a copy.  We will provide the requested information to you at your email address in response.  Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.

Users From Outside the U.S.

The Site is hosted in the U.S. and is governed by U.S. law. If you are visiting the Site from outside the U.S., please be aware that your information may be transferred to and/or stored and processed in the U.S. where our servers are located. The data protection and other laws of the U.S. may differ from those in your country. By using the Site, you consent to the handling of your information by our facilities and those of third party facilities in accordance with U.S. law.

Archive Information

Any or all information you submit or that we collect as part of the Site may be archived and not permanently deleted. Archived information may be restored or "unarchived" by us for any purpose for use at a later date, even after you terminate use of the Site. 

Contact Us

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at:

  • legal@docmagic.com, or
  • DocMagic, Inc., 1800 W. 213th Street, Torrance, CA  90501, or/li>
  • via our toll-free number: (800) 649-1362.

 

Last Modified: June 5, 2019