Privacy Policy
What Information Might We Collect From You?
Via the Site, Carpe Diem may collect from you (i) personally identifiable information, (ii) business information, and (iii) technical and other information.
General Site Visitors. When you browse the Site, you do so anonymously; no personally identifiable information is collected.
Contacting Us. The Site permits you to reach out to Carpe Diem.
Whenever you send an email via the Site or otherwise contact us via the Site, you may be providing us with your first name, last name, personal or business email address and/or any other information you choose to provide us. For example, you may choose to provide your personal or business phone number, personal or business mailing address or other information necessary or helpful for us to address your query or concern.
Technical and Other Information. While you are browsing the Site, we automatically log your IP address (a number assigned to your computer when you use the Internet) and your activity while using the Site. Additionally, in order to personalize and enhance your experience on the Site, we may also collect information through “cookies.” Cookies are small strings of text that are sent by the Site to your browser and then stored by your browser on your computer’s hard drive. We use cookies to help diagnose problems with our servers and to administer the Site. We also use cookies to gather broad demographic information and to help identify you in respect to visits to the Site so that we may improve your user experience, and to determine whether you visited the Site from a particular Internet link or advertisement. Most web browsers automatically accept cookies, but it is possible to change your browser setup so that it does not accept cookies. However, rejecting cookies may prevent you from taking advantage of certain portions or features of the Site.
Tracking
Carpe Diem does not engage in the collection of personally identifiable information about your online activities over time and across third party websites or online services. Accordingly, we do not currently process or comply with any web browser’s “do not track” signal or other mechanisms that provide consumers with the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third party websites. Further, we have not knowingly authorized any third parties to collect personally identifiable information about your online activities over time and across different websites when you use the Site. Nonetheless, such third party companies (e.g., companies providing features or functionality on the Site, etc.) may collect and use non-personal information during your visits to the Site and other websites in order to provide advertisements on other sites about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect such information.
How Is Your Information Used?
Carpe Diem collects, retains and uses your personally identifiable information for legitimate business purposes only, including without limitation the following:
- To respond to an inquiry from you or address a request submitted by you (including contacting you directly to request additional information to process your inquiry or request);
- To contact you and to provide you information regarding Carpe Diem and/or our products and/or services;
- To operate or improve the Site;
- To assess whether to allow you to register for an account with us;
- To correspond with you regarding the Site or our products or services;
- To monitor Site visitor traffic patterns and Site usage;
- To comply with federal, state or local laws, rules, and regulations;
- To enforce our Terms of Use; and
- To protect the interests, rights, property, or security of Carpe Diem, our Site visitors, and others.
Carpe Diem may also share personal information of Site visitors:
- With our affiliates;
- To comply with federal, state or local laws, rules and other applicable legal requirements;
- To comply with a civil, criminal or regulatory investigation, subpoena or summons, or any other request by regulatory, law enforcement or other federal, state or local authorities;
- To service providers assisting us with marketing and/or technology services and/or other companies we may associate with from time to time to provide you the Site and/or products and/or services;
- To enforce our Terms of Use; and
- To protect the integrity or security of the Site or the interests, rights, property or security of Carpe Diem, our Site visitors, and others.
Additionally, we may share, in aggregate, statistical form, non-personal information regarding the visitors to the Site, traffic patterns, and Site usage, with our affiliates and/or service partners and/or advertisers.
Modifications
We strive to maintain the accuracy of any information that may be collected from you, and will use our commercially reasonable efforts to respond promptly to update our database when you tell us the information in our database is not accurate. It is your responsibility to ensure that such information is accurate, complete and up-to-date. You may obtain from us, by email, the information in our records. If you wish to make any changes to any personally identifiable information and/or business information you have provided to us, you may do so at any time by contacting us at: [email protected].
Opt Out
You may opt out of receiving materials or other communications from us by contacting us at [email protected]. If you choose to opt out, however, you may not be able to utilize certain features or functionality of the Site or our products or services.
Children
In compliance with the Children’s Online Privacy Protection Act, 15 U.S.C. §§ 6501-06 and 16 C.F.R. §§ 312.1-312.12, we do not knowingly collect information from children. Moreover, we do not permit use by individuals under the age of 18 of any of the password protected areas of our Site or use of any other products or services that may be provided via the Site from time to time. By using the Site, you represent that you are at least 18 years of age.
Third Party Websites
Carpe Diem may reference or provide links on the Site to third party websites. We are not responsible for the third party websites, and you should review the privacy policies posted on such sites. Please be aware that Carpe Diem does not control, nor are we responsible for, the privacy policies or information practices of third parties or their websites.
Protection of Personal Information
Because security is important to both Carpe Diem and you, we use commercially reasonable efforts to ensure the security of our systems and thus to protect the personal and business information you provide to us. Please be aware, however, that Internet data transmission is not always secure and we cannot and do not guarantee that information you transmit utilizing the Site is secure.
Business Transfer
Carpe Diem may, in the future, sell or otherwise transfer some or all of its assets to a third party. Your personally identifiable information, business information and/or technical information we obtain from you via the Site (or otherwise) may be disclosed to any potential or actual purchasers of such assets and/or may be among those assets transferred.
To California Residents
Users Outside the United States
If you are a resident of a country other than the United States of America, by using this Site and providing us your personally identifiable information you explicitly acknowledge and agree to the transfer of your personally identifiable information to and from the United States and all other jurisdictions worldwide, including but not limited to jurisdictions that do not have data protection laws similar to such laws in the jurisdiction(s) in which you reside.
Acceptance of this Privacy Policy
This Privacy Policy is incorporated into and subject to the terms of the Terms of Use. By using the Site and voluntarily providing your personally identifiable and business information to us, you consent to the collection and use of such personally identifiable information and business information as set forth in this Privacy Policy. You also hereby represent and warrant to us that you have the requisite authority on to provide to us, on behalf of your firm, any and all business information you submit to Carpe Diem. If you do not agree to the terms of this Privacy Policy, please do not provide us with any information and do not use the Site.
Effectiveness
This Privacy Policy is effective as of September 12, 2020.
Further Information
If you have any questions about this Privacy Policy, please contact us at: [email protected].
Mortgages offered through Hill Mortgage
NMLS# 309812/2134092
DRE# 01332532/02142750
Carpe Diem Mortgage
NMLS #2565162
DRE #01214571