Liquid Mortgage Privacy Policy


Last Updated: January 7, 2022

Liquid Mortgage, Inc. ("Liquid Mortgage," "we," or "us") is a data management and analytics provider that offers a seamless blockchain-based solution for end-to-end loan validation, documentation, and payments in the lending industry (collectively, the "LM Platform"). We are a service provider to loan transaction parties such as mortgage-backed securities issuers and institutional investors. This Privacy Policy explains how Liquid Mortgage collects, uses and discloses information to provide the LM Platform to our clients and otherwise for our own business purposes, such as to operate the LM Platform, improve the quality of our offerings and promote our offerings to potential customers. For information about how our clients collect, use and disclose information handled through their use of the LM Platform, such as Loan Information (defined below in the section entitled "Other Information"), please refer to their own separate privacy notices and policies.

This Privacy Policy describes our practices in connection with information that we collect through:

Collectively, we refer to the Websites, LM Platform, Social Media Pages, and emails as the "Services."

PERSONAL INFORMATION

"Personal Information" is information that identifies you as an individual or relates to an identifiable individual. The Services collect Personal Information, including:

Collection of Personal Information

We and our service providers collect Personal Information in a variety of ways, including:

Use of Personal Information

We and our service providers use Personal Information for the following purposes:

Disclosure of Personal Information

Other Uses and Disclosures

We may also use and disclose Personal Information as we believe to be necessary or appropriate: (a) to comply with applicable law, to respond to requests from public and government authorities, to cooperate with law enforcement, or for other legal reasons; (b) to enforce our terms and conditions; and © to protect our rights, privacy, safety or property, and/or that of, you, or others. We may use, disclose or transfer your information to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our assets or stock (including in connection with any bankruptcy or similar proceedings).

OTHER INFORMATION

"Other Information" is any information that does not reveal your specific identity or does not directly relate to an identifiable individual. The Services collect Other Information such as:

Collection of Other Information

We and our service providers may collect Other Information in a variety of ways, including:

Uses and Disclosures of Other Information

We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, we may use and disclose it for the purposes for which we use and disclose Personal Information as detailed in this Policy. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined.

SECURITY

We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the "Contacting Us" section below.

MARKETING EMAILS

If you no longer want to receive marketing related emails from us on a going-forward basis, you may opt out by clicking on the "Unsubscribe" link We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt out of receiving marketing related emails from us, we may still send you important administrative messages, from which you cannot opt out.

THIRD PARTY SERVICES

This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any of our customers to whom we provide the LM Platform or third party operating any website or service to which the Services link. The inclusion of a link on the Services does not imply endorsement of the linked site or service by us.

In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Google, Microsoft, or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer, including with respect to any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.

USE OF SERVICES BY MINORS

The Services are not directed to individuals under the age of eighteen (18), and we do not knowingly collect Personal Information from individuals under 18.

JURISDICTION AND CROSS-BORDER TRANSFER

Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services you understand that your information will be transferred to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your Personal Information.

SENSITIVE INFORMATION

Unless we request it, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background, on or through the Services or otherwise to us.

UPDATES TO THIS PRIVACY POLICY

The "Last Updated" legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. In some cases we may contact you to give you choice about a change that we make to this Privacy Policy.

CONTACTING US

If you have any questions about this Privacy Policy, please contact us at info@liquidmortgage.io.

Because email communications are not always secure, please do not include sensitive information in your emails to us.