Zyng, Inc.  PRIVACY POLICY

Effective Date: March 15, 2022

Zyng Mortgage respects the privacy of your information. This Zyng Mortgage Privacy Policy describes how Zyng Mortgage processes information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our “Services”).

In some circumstances, we may provide you with additional 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. If you are a California resident, please refer to the California Privacy Policy.

By using any of our Services, you acknowledge and agree to, the privacy practices described in our Privacy Policy. You also acknowledge that you have read this policy and other policies described.

INFORMATION WE COLLECT

Information You Provide

We collect information you provide to us. For example, we collect information from you when you create an account, fill out a form or otherwise submit content through our Services, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, or otherwise communicate with us.

The specific information we collect depends on the context in which you provide it, and could include, but is not limited to:

  • Name
  • Email address
  • Postal address
  • Phone number
  • Social security number
  • Location and approximate value of your property
  • Vehicle information, such as make, model, VIN and vehicle features
  • Age
  • Demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements
  • Related loan products or services you have used in the past
  • Financial information, such as income, assets and net worth
  • Home ownership status and employment status
  • Insurance information
  • Other profile data, including your interests and preferences
  • Any other information you choose to provide

Information We Automatically Collect

We automatically collect certain information about your interactions with us or our Services, including:

  • Transactional Information: When you make a purchase or complete a transaction, we collect information about the transaction, such as product or service details, financial details and the date and location of the transaction.
  • Device and Usage Information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
  • Your Content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
  • Location Information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
  • Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services.
  • Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.
  • Web beacons (also known as “pixel tags” or “clear GIFs“) are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality. For more information about these tracking technologies and how to disable them, see the Advertising and Analytics section below.

Information We Collect From Other Sources

We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your Zyng Mortgage account with third-party services through service providers.

The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.

Information We Derive

We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases.

HOW WE USE YOUR INFORMATION

We use the information we collect to provide our Services to you.

Other Reasons to Collect Information

We also use the information we collect to:

  • Fulfill or deliver the services you requested
  • Provide, maintain, improve and develop new products, services and features, including debugging and repairing errors in our Services
  • Personalize your experience with us
  • Send you technical notices, security alerts, support messages and other transactional or relationship messages, including responding to your inquiries and comments
  • Communicate with you about products, services, and events offered by Zyng Mortgage and others and provide news and information that we think will interest you. See the Your Choices section below for information about how to opt out of these communications at any time
  • Monitor and analyze trends, usage, and activities in connection with our products and services
  • Personalize the advertisements you see on third-party platforms and websites. For more information, see the Advertising and Analytics section below
  • Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards
  • Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity, and help protect the rights and property of Zyng Mortgage and others
  • Comply with our legal and financial obligations
  • Create de-identified, anonymized or aggregated information
  • Fulfill any other purpose at your direction
  • Carry out any other purpose described to you at the time the information was collected

HOW WE SHARE YOUR INFORMATION

We share personal information in the following circumstances or as otherwise described in this policy.

Sharing With Third Parties

Zyng Mortgage shares your information with non-affiliated third parties in the following circumstances:

  • We share personal information with vendors, service providers and consultants that access personal information to perform services for us, such as companies that assist us with web hosting, shipping and delivery, payment processing, fraud prevention, customer service, data analytics, property title and appraisal services, technical support marketing and advertising. Many of these third parties have their own Privacy Policies – some of which have been provided here for your convenience.
  • If you submit a product review or post content in another public area of our Services, we share this information publicly on our Services.
  • If you choose to use integrations we offer on our Services, such as sharing your location through our Google Maps integration, we may share certain information with the integration partners.
  • We may disclose personal information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.
  • We may share personal information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it’s necessary to protect the rights, property and safety of Zyng Mortgage, our users, the public, or others.
  • We share personal information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
  • We may share personal information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.
  • We share personal information with your consent or at your direction, including but not limited to through third-party integrations you choose to enable.
  • We also share aggregated or de-identified information that cannot reasonably be used to identify you.

ADVERTISING AND ANALYTICS

Web and Mobile Apps

We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.

This information may be used by Zyng Mortgage and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.

Third Parties

We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Meta or Google). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.

Meta Privacy Policy

Google Privacy Policy

CHILDREN’S PRIVACY

Zyng Mortgage products and services are not intended for children. We do not direct our Products or Services to children under 18, or knowingly attempt to solicit or receive information from children.

CALIFORNIA SHINE THE LIGHT

California Civil Code § 1798.83 permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you’re a California resident and would like to make such a request, please submit your request by:

  • Emailing us at team@zyng.com
  • Calling us at 888-888-4834
  • Writing to us at: Zyng Mortgage

Attn: Legal Team

215 Maple St

Auburn, CA 95603

PROCESSING OF INFORMATION IN THE UNITED STATES AND OTHER COUNTRIES

Zyng Mortgage is headquartered in the United States, and offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.

YOUR CHOICES

Account Information

You may update and correct certain account information, or delete your account, by logging into your account or calling us at 888-888-4834. Please note that we may retain certain information as required by law or for our legitimate business purposes.

Location Information

When you first launch any of our mobile apps that collect precise location information, you’ll be asked to consent to the app’s collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. You may also stop our collection of this location information by following the standard uninstall process to remove our mobile apps from your device.

Do Not Track Signals

You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, our websites do not respond to these signals. Zyng Mortgage may track your activity on these websites and use that information as provided in this policy.

CHANGES TO THIS POLICY

We may change this Zyng Mortgage Privacy Policy from time to time. If we make changes, we’ll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.

CONTACT INFORMATION

If you have questions regarding this  Zyng Mortgage Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at 888-888-4834.

CALIFORNIA PRIVACY POLICY

The California Consumer Privacy Act or “CCPA” (Cal. Civ. Code § 1798.100 et seq.) affords consumers residing in California certain rights with respect to their personal information. If you are a California resident, this California Privacy Policy applies to you.

 

Collection And Use Of Personal Information

In the preceding 12 months, we have collected the following categories of personal information:

CategoryExamples
IdentifiersName, alias, postal address, online identifier (including IP address), email address, Social Security number, driver’s license number, or other similar identifiers.
Personal Information Categories Listed In The California Customer Records Statute (Cal. Civ. Code § 1798.80(e)) Employer name, employment history, bank account number, credit card number, debit card number, and other financial information (including credit report, salary, and net worth).
Protected Classification Characteristics Under California Or Federal LawAge, gender, military status and marital status.
Commercial InformationRecords of property, products or services purchased.
Internet Or Other Similar Network ActivityBrowsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
Geolocation DataPhysical location or movements.
Sensory DataAudio (such as call recordings) or the contents of videos you choose to upload.
Professional Or Employment-Related InformationCurrent employer or employment status.
Inferences Drawn From Other Personal InformationPreferences, characteristics and approximate location.

For details about the precise data points we collect and the categories of sources of such collection, please see the Information We Collect section. We collect personal information for the business and commercial purposes described in the How We Use Your Information section.

Disclosure Of Personal Information

In the preceding 12 months, we’ve disclosed the following categories of personal information for business or commercial purposes to the following categories of recipients:

CategoryExamples
IdentifiersPartners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms).
Categories Of Personal Information Described In Subdivision (e) Of Section 1798.80Partners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms).
Protected Classification CharacteristicsService providers, Affiliates, mortgage partners, and partner companies.
Commercial InformationPartners (such as mortgage partners), advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms).
Internet Or Other Similar Network ActivityAdvertising networks and service providers (such as internet service providers, data analytics providers, data storage providers, operating systems and platforms).
Geolocation DataPartners and service providers.
Sensory DataPartners.
Professional Or Employment-Related InformationService providers and partners.
Inferences Drawn From Other Personal InformationPartners, advertising networks, and service providers (such as internet service providers, data analytics providers, email service providers, data storage providers, customer support providers, account management providers, operating systems and platforms).

Sales Of personal Information

California law provides for certain disclosures about personal information we “sell”, which for the purposes of the CCPA, means certain scenarios in which Zyng Mortgage has shared personal information with third parties or Affiliates, in exchange for valuable consideration.

Under this definition, we “sell” personal information for the following commercial purposes: to enable certain third parties to use your information in accordance with their privacy policies. We “sell” the following categories of personal information to the following categories of third parties:

Category of Personal InformationCategories of Third Parties
IdentifiersNon-affiliated third parties.
Categories Of Personal Information Described In Subdivision (e) Of Section 1798.80Non-affiliated third parties.
Commercial InformationNon-affiliated third parties.
Internet Or Other Network ActivityNon-affiliated third parties.
Inferences Drawn From Other Personal InformationNon-affiliated third parties.

Consumer Rights

Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, (2) request deletion of your personal information, (3) opt out of “sales” of your personal information and (4) not be discriminated against for exercising these rights.

You may make these requests by starting a request online, calling 888-888-4834 or mailing us at Zyng Mortgage, 215 Maple St, AUburn, CA 95603. We’ll verify your request by asking you to provide information related to your recent interactions with us.

If we receive your request from an authorized agent, we may ask for evidence that you’ve provided such agent with a power of attorney, or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you’re an authorized agent seeking to make a request, please contact us as set out above.

We may offer you certain financial incentives that may result in different prices, rates, or quality levels (for example, contests and referral programs). Through these offerings, consumers provide us with some personal information (e.g., names, emails, phone numbers) when they opt-in to our programs. There is no obligation to opt-in and consumers may opt-out at any time. The details of each program are contained in the program offering. We offer these programs, among other things, to enhance our relationship with you so you can enjoy more of our products/services at a lower price. We invest heavily in our marketing and brands, in part, so we can provide programs to our customers. Consumer data is valuable to our business only when it is combined with a sufficient number of other consumer data and after it is enhanced by our efforts herein described. The value to our business of any individual consumer’s personal information is dependent on a number of factors, including, for example, whether and to what extent you take advantage of any offerings, whether and to what extent you opt out of any offerings, and whether we are able to enhance the data through our efforts herein described. Our ability to create any value from the programs is heavily based on our ability to leverage said intellectual properties. We do not calculate the value of consumer data in our accounting statements.

Zyng Mortgage TERMS OF USE

TERMS OF USE

Your access to and use of the Zyng Mortgage (“Company”) website and the information, documents, tools, and/or other material made available through this website (“Services”), are subject to the Terms and Conditions of use set forth herein (this “Agreement”) together with any applicable addenda attached herewith. By accessing, browsing, interacting with, or otherwise using the Company website (individually, collectively, and interchangeably referred to as our “Websites” or “Website”) through any means, or by making use of any mobile or web applications accessible or downloadable through the Websites and/or through any third-party mobile or web application marketplace (the “Applications”, “App”, or “Apps”), or by using the goods, facilities or services offered in or through the Websites through any method (including, without limitation, by telephone, mail, text, email or facsimile), you accept and agree to be bound by this Agreement. For purposes of this Agreement, (i) the terms “Website” and “Websites” include the Apps; and, (ii) “you” or “your” means the person accessing the Website, and includes any persons that allow others to provide information about themselves to Company.

YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS “TERMS OF USE”. CLICKING ONTO PAGES BEYOND THE WEBSITE ‘S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY Email, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.

Website Ownership

This website is owned and operated by Zyng Mortgage, 215 Maple St, Auburn, CA 95603, which is referred to below as “Zyng Mortgage” or “we” or “us” or “Company” or “our.”

Permitted Use

You agree that:

  1. your use of this website is subject to and governed by these Terms of Use,
  2. you will only access or use this website and transact business with us if you are at least 18 years old,
  3. you will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website,
  4. each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
  5. these Terms of Use are a legally binding agreement between you and Zyng Mortgage that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage related business with Zyng Mortgage as a bona fide client of Zyng Mortgage; you may not use or attempt to use this website or any part of this website for any purpose:

  1. that interferes with or induces a breach of the contractual relationships between Zyng Mortgage and its employees,
  2. that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
  3. that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications,
  4. that transmits any harmful or disabling computer codes or viruses,
  5. that harvests Email addresses from this website,
  6. that transmits unsolicited Email to this website,
  7. that interferes with our network services;
  8. that attempts to gain unauthorized access to our network services,
  9. that suggests an express or implied affiliation with Zyng Mortgage (without the express written permission of Zyng Mortgage),
  10. that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
  11. that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
  12. that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
  13. that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
  14. that harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
  15. that dilutes or depreciates the name and reputation of Zyng Mortgage or any of its affiliates;
  16. that transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy; or
  17. that unlawfully transmits or uploads any confidential, proprietary or trade secret information.

Access To This Website

Zyng Mortgage reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.

Use Of This Website

You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.

Intellectual Property Rights

The following marks appearing on this website, including, but not limited to: Zyng Mortgage®; and the respective logos, emblems, slogans and designs are trademarks and/or service marks of Zyng Mortgage.

All other marks used on this website are the property of their respective owners.

Website Content: You acknowledge and agree that:

  • all content, pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Website Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
  • all rights associated with the website Content are owned by Zyng Mortgage, its licensors, or content providers.

Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Website Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any page, or alter the appearance of any Website Content.

You may not use Website Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Website Content, domain names, Email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:

  • in or as any meta-tag or hidden text;
  • in or as part of any contextual marketing directory, index, or triggering term;
  • as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
  • as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other website.

Submissions: You acknowledge and agree that all submissions to Zyng Mortgage containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge Zyng Mortgage’s unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.

Testimonials: You acknowledge and agree that all testimonials submitted to Zyng Mortgage will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to Zyng Mortgage the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Zyng Mortgage may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.

Linking

Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, Zyng Mortgage does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that Zyng Mortgage will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.

No Advertising / No Links. Zyng Mortgage does not permit third-party advertising on this website. Except with the written permission of Zyng Mortgage, you agree that you will not create links from any website or Web page to this website or any Web page within this website.

Revisions and Modifications

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President of Zyng Mortgage.

Location

You understand and acknowledge that Zyng Mortgage controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.

User IDs And Passwords

Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify Zyng Mortgage immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

Privacy and Security

For information on how Zyng Mortgage uses and protects the personal information that you may provide through this website, please visit: https://zyng.com/privacy-policy.

Indemnification

If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify Zyng Mortgage and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of Zyng Mortgage and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.

Disclaimers

THE WEBSITE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Zyng Mortgage DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Zyng Mortgage MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEBSITE CONTENT OR ITS USE THEREOF. THE WEBSITE CONTENT ON OR AVAILABLE THROUGH THIS APPLICATION COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. Zyng Mortgage HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEBSITE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT Zyng Mortgage IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, Zyng Mortgage EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Zyng Mortgage MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT Zyng Mortgage, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.

Limitation of Liability

YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL Zyng Mortgage BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEBSITE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEBSITE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT Zyng Mortgage SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL Zyng Mortgage’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEBSITE CONTENT THEREON.

Communications With Company

Email: For information regarding our Email policy, please visit: insert link to email policy.

Time Sensitive Instructions: When communicating with us through this website, chat or via Email, do not use the website, chat or Email to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, chat or via Email, must be confirmed in writing by us to be accepted by and binding upon us.

Credit Reports: By applying for credit, you are authorizing Zyng Mortgage to obtain a copy of your credit report. As a result, a “hard” inquiry may appear on your credit report. A hard inquiry may negatively affect your credit score.

E-Signature: General communications through this website, chat or via Email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.

Recording & Monitoring of Communications: Your communications with us via the website, chat, Email, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.

Contact Methods and Opt-Out

Agreement to calls and information sharing: If you submit to Zyng Mortgage through this website or otherwise you are making an inquiry as to lending programs and services available through and brokered by Zyng Mortgage. You understand and agree that if you submit an inquiry, we may share the information that you provide, including, but not limited to, your full name, birth date, address, telephone number, and social security number with our affiliates so that they may respond to your inquiry. You authorize Zyng Mortgage to share your information, either as provided by you or as corrected by us. You acknowledge that Zyng Mortgage is not a party to any agreement that you may make with an affiliate, and that the affiliate is solely responsible for its services to you. You understand that requirements for a particular product or service, including a mortgage, are determined by the affiliates and that Zyng Mortgage does not endorse, warrant, or guarantee the products or services of any of its affiliates. Nothing in these Terms of Use or on this website constitutes an offer for a loan commitment or interest rate lock agreement. You agree that Zyng Mortgage shall not be liable for any damages or costs which arise from your use of the affiliates’ goods or services.

By submitting your contact request, you are consenting to be contacted by telephone (on a recorded line), automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the 3rd party Partners may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from a 3rd party Partner, you agree to notify the 3rd party Partner directly. You can opt-out of various contact methods from Zyng Mortgage here: https://zyng.com/opt-out/ 

Application of Additional Terms

You acknowledge that certain features of this website, as well other products and services of Zyng Mortgage, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

Zyng Mortgage partners with companies such as Salesforce to allow you to apply and upload documents. You understand and agree that if you participate, we may share the information that you provide, including, but not limited to, your full name, birth date, address, telephone number, and social security number with our partners so that they may provide these service.

Agreement To Provide Accurate Information

In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which Zyng Mortgage may rely.

Your Cooperation Needed

Zyng Mortgage generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information Zyng Mortgage may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Zyng Mortgage of any changes in any information submitted in connection with your application.

Reasonable Efforts

While Zyng Mortgage is a mortgage broker and will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For instance, Zyng Mortgage cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond Zyng Mortgage’s reasonable control.

Deposit/Refund Policy

When you submit a loan application, Zyng Mortgage will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of Zyng Mortgage third party costs. Please review your deposit agreement for details specific to your loan application.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You understand and agree to resolve through final and binding arbitration the following claims, disputes, or controversies arising between you and Zyng Mortgage: all claims, disputes, or controversies arising from the Telephone Consumer Protection Act of 1991 (“TCPA”), or state law claims similar to the TCPA. You will arbitrate TCPA claims between you and Zyng Mortgage at a location the arbitrator will determine in compliance with Zyng Mortgage’s Governing Law provision. The arbitrator, not the court, will resolve the issue of arbitrability. Any state or federal court having jurisdiction thereof may enter judgment of any award the arbitrator renders. This arbitration contract is made under a transaction in interstate commerce, and the Federal Arbitration Act (“FAA”) will govern its interpretation, application, enforcement, and proceedings. As the Governing Law provision indicates, the laws of the State of California govern the enforceability of this arbitration provision as a contract, but not the scope of this provision. Neither you nor Zyng Mortgage are entitled to join or consolidate claims in arbitration by or against other consumers or to arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial for TCPA-related matters which, based on the above, will be arbitrated. You agree that any other action(s) at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Los Angeles County, California, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Copyright Infringement

Zyng Mortgage is committed to protecting copyrights and expects you to do the same. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on the Zyng Mortgage infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on this website infringes a copyright, or any valid intellectual property right, please provide the following information to Zyng Mortgage’s DMCA Agent.

A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on this website are intended to be covered by a single notification, a complete list of such works and details or descriptions as to their locations within the website;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;

A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please provide this information to Zyng Mortgage’s DMCA Agent, who can be reached as follows:

By Mail:

Zyng Mortgage

Attn: Legal Team

215 Maple St

Auburn, CA 95603

EMAIL POLICY

Email And Text Policy

Zyng Mortgage is dedicated to revolutionizing the home financing process. A big part of that “revolution” is based upon prompt and convenient communication with our clients, vendors and others. For that reason, we offer various means of communication including Email, fax, telephone, chat, snail-mail, express mail, voice mail, etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding Email, which are incorporated by reference into all Emails sent and received by the company or our Team Members (i.e., our employees). Our communications with you via Email are conditioned upon your agreement to the following terms.

Email In General

Email is an effective means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through Emails, faxes, voicemails, letters, IM, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an Email, etc. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.

Emails Are Generally Not Formal Signed Writings; E-Sign Disclaimer

Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature, even if the sender’s name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.

Confidential Information

Emails sent by our Team Members are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as “Confidential” contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney’s fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.

Privileged Information

Emails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.

Time-Sensitive Instructions And Official Matters; Filters

Do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Team Member in a timely manner. All Emails are processed through various virus and spam filters which may delay or reject the delivery of an Email altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person Email. The Company reserves the right to block any Email source it deems inappropriate.

Business Purposes

The Company’s Email facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving Email from our Team Members may not use our Team Member’s Email address or contact information (or any other person’s Email address appearing on or in Company Email) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an Email is not our Company’s consent, nor our Team Member’s consent, for you to use our Team Member’s Email address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.

Monitoring Of Communications

All Emails sent to or from our Team Members may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, chat, Email, and telephone. By using such communications methods you are consenting to the recording or monitoring of the same.

Unsecured Transmissions

You should be aware that regular Email is typically sent via the Internet which is an open network. While certain designated areas within our website employ technologies to secure your data and the transmissions between you and our Company, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won’t be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over Email, and disclaims all liability with regard to Emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, misdelivered, intercepted, decrypted or otherwise misappropriated by others.

Viruses

Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient’s responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Team Members for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company’s Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.

Prohibited Email Content

All of our Team Members are prohibited from using Email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in Email. Such communications are against Company policy and outside the scope of our Team Member’s employment. The Company does not accept any liability in respect of such communication, and the Team Member responsible will be personally liable for any damages or other liability arising. Please report any such violations to our Client Relations Team at 888-888-4834. The use of the Company’s Email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our Team Members is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company’s Email facilities for purposes of to soliciting our Team Members to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.

All Rights Reserved; Statements Attributable To The Company

The Company reserves all rights as to the Company’s content in its Email and this Email policy statement. No part of the Company’s Email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company’s Director of Public Relations or by an officer of the Company (i.e., Chairman, CEO, President, or Corporate Counsel).

Negligent Misstatement

The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and the Company makes no warranties, express or implied, with respect to such data or information.

Governing Law

In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company’s Email, and that any disputes pertaining to this Email shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions may only be filed only in the state or federal courts located in California.

Opt-Out

Some of our emails may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from Zyng Mortgage please specify your preference by using the links provided in our emails.

COOKIE NOTICE

This will be displayed on the website as a pop up or banner.

YOUR PRIVACY IS IMPORTANT TO US

When you use our site, we collect information about you as described in our Privacy Policy. We also work with third parties who use cookies on this site to process your personal data for their own purpose. If you wish to opt out of cookies and similar technologies, please click the “Opt Out” button. By continuing to use our website or clicking “Accept”, you consent to the use of ALL cookies and similar technologies.