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This website is owned and
operated by Tree.com, Inc. or a Tree.com, Inc. subsidiary, division or line of
business (“Tree”). For a list of
Tree subsidiaries, divisions, lines of business and websites (collectively, “Tree
Businesses”) please see “Tree Businesses” below. We want you to understand what information we gather
about you, how we use it and the safeguards we have in place to protect
information collected through this website and otherwise. Your use of this website and our
including arbitration, limitation on damages and choice of law.
This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.
We collect personally
identifiable information that can identify you such as your name, e-mail
address and Social Security Number (“Personally Identifiable Information” or “PII”). We also collect information such as
demographic data and data about your online activity on our website that does
not identify you (“Non-Personally Identifiable Information” or “Non-PII”). PII and Non-PII are known together as “Information”.
We may also collect and store Information that you provide to us about other
people (such as co-borrowers), including their name, address, phone number and
Social Security Number.
i. From You. We collect Information you
provide to us: (a) in connection with inquiring about or obtaining our
services; and (b) in connection with a job application. The Information we collect from you
will vary depending on the product or service requested.
ii. Other Sources. We may obtain Information
about you from third parties such as: credit reports, information about your
home and demographic information. We
do not pull a credit bureau report on loan customers without their permission.
and other standard internet technologies to collect information from your
computer and about your activities on our website. We automatically collect Non-PII from your browser when you
visit our website. This information includes your IP address, your browser type
and language, access times, the content of any undeleted cookies that your browser
previously accepted from us and the referring website address.
In General. We may use Information to:
Financial Information. Depending on the service
requested, we may use financial information to: match you with real estate
agents, real estate brokers, lenders,
provide you with lenders' conditional loan offers, verify your identity,
protect against or identify possible fraudulent transactions, or otherwise as
needed to manage our business. If
you request a loan through LendingTree Loans or Home Loan Center, we will use
financial information to determine your eligibility for a loan and to charge
you for any lock, processing or appraisal fees. If you request real estate brokerage services through a
RealEstate.com-affiliated agent, we will use your financial information and
information about your home to provide real estate brokerage services directly
to you. If you submit an iNest
form we may use home price information to match you with appropriate home
Job Applicants. If your PII is submitted
when applying for a position with us, the information will be used solely in
connection with considering and acting upon your application. We may retain
your PII for a period of time, but only for the purpose of considering your
application for current or future available positions or as required by law.
Tree Businesses. We may share your
Information with Tree Businesses.
Businesses any PII if that information bears on your creditworthiness. Except as described in this policy, we
will not disclose your PII to others outside of the Tree Businesses.
Lenders or Investors. IIn submitting a request for
a loan product or service offered through this website, when you click “Accept
and Continue” or otherwise signify your agreement to proceed you are consenting
to the disclosure of your PII with lenders in our network (“Lenders”) with whom
you are or may be matched. If you
are matched with LendingTree Loans we will share your PII with third party
investors to whom LendingTree Loans intends to transfer your loan after
closing. Please note that no
credit check will be performed by us unless you authorize us to do so by
submitting a completed loan request.
Be aware that the Lenders
with whom you are matched may retain or use your Information whether or not you
use their services and you should contact these Lenders directly concerning
their privacy and information sharing practices which may differ from ours.
Real Estate Agents, Brokers and Home Builders. . If you submit a request form, including “Find-a-REALTOR®”
request, iNest request or New Homes Realty form, we may share your Information
with real estate agents, brokers or home builders on our network in which you
have expressed interest. We will
not share Information with other real estate agents, brokers or home builders
not disclosed to you. Be
aware that the real estate agents, brokers or home builders with whom we share
your Information may retain or use your Information whether or not you use
their services and you should contact these parties directly concerning their
privacy and information sharing practices which may differ from ours.
Referrals for your Non-Mortgage Business. When you express interest
in other products, services, promotions that we offer (by, for example,
completing a request for such services), we will share your request or
expression of interest with the businesses with which we partner to offer you
those products, services and promotions, and, as applicable, with their
affiliates and third party finder or marketing companies (collectively, “Business
Providers”). When you choose to participate
in a particular offer or program, you authorize us to provide PII to those Business
Providers. Be aware the Business
Providers with whom we share your Information may retain or use your
Information whether or not you use their services and you should contact these
parties directly concerning their privacy and information sharing practices
which may differ from ours.
Services Providers. We may share your personal
information with our authorized service providers that perform certain
on our behalf, including service providers that perform services on our
behalf in connection with your request for a loan or the funding, sale
and/or servicing of your loan.
These third parties include, without limitation credit bureaus, title
companies, flood or other insurance companies, appraisal companies,
companies, closing agents, marketing
and customer services firms, credit card,
or entities that provide business analysis or website support. These
parties may have access to PII needed to perform their functions.
Other Situations. We also may disclose your information at our sole discretion:
For certain products and services available through www.tree.com, we
will not share your email address or phone number with the Business
Provider or Lender with whom you are matched. Where this feature is
available for a product or service, it will be noted on the web page for
that product or service. Nevertheless these Business Providers and
Lender will still receive other PII about you and they may retain or use
your PII whether or not you use their services and you should contact
these Providers or Lenders directly concerning their privacy and
information sharing practices, which may differ from ours. If you
provide your Information on any other website besides www.tree.com, this
Section 4 will not apply.
We may share Non-PII with third parties in our discretion.
Our website contains links
to other websites owned and operated by third parties. These third parties and their servers
may be located in the United States or in other countries. We do not control, and are not
responsible for, the privacy and security practices of these third
parties. We recommend that you
review the privacy and security policies of these third parties to determine
how they handle Information they may collect about you.
i. the categories of information we disclosed to third parties for
their direct marketing purposes during the preceding calendar year
ii. the names and addresses of the third parties that received that information; and
iii. if the nature of the third party’s business cannot be determined
from their name, examples of the products or services marketed.
We may provide this information in a standardized format that is not
specific to you. The designated e-mail address for these requests is email@example.com.
We will not share any personal information about you with other
Businesses to the extent prohibited by applicable Vermont law or to the
extent your prior consent to share is required by applicable Vermont
The appropriate method(s)
for accessing your Information, if any, will depend on which sites or services
you have used. Depending on the
respective service, you may have the ability to view or edit some of your
Information online. If you have
submitted a loan request with us, you can update your personal information by
contacting our Customer Care Department at firstname.lastname@example.org. Our address is 11115 Rushmore Drive,
Charlotte, NC 28277.
We take appropriate
security measures (including physical, electronic and procedural measures) to
help safeguard your PII from unauthorized access and disclosure. In addition to the restrictions outlined
above, we require employees to comply with information security safeguards, we
use encryption in the transmission of your PII between your system and ours,
and we use firewalls to help prevent unauthorized persons from gaining access
to your PII.
No system can be completely
secure. Therefore, although we take steps to secure your information, we do not
promise, and you should not expect, that your PII, searches or other
communications will always remain secure. Users should also take care with how
they handle and disclose their PII. Please refer to the Federal Trade
Commission’s website for information about how to protect yourself against
We may update or modify
date it was last updated. If we
prominently posting a notice of such changes before implementing them or by
websites to ensure you are aware of any changes in our practices. Your continued use of our websites will
intended to cover collection of information on our websites from residents of
the United States. If you are visiting our websites from outside the United
States, please be aware that your information may be transferred to, stored and
processed in the United States where our servers are located and our central
database is operated. The data protection and other laws of the United States
and other countries might not be as comprehensive as those in your country. By
using our services, you understand that your information may be transferred to
our facilities and those third parties with whom we share it as described in
not create rights enforceable by third parties or require disclosure of any PII
relating to users of our websites.
If you have any questions
would like to request information about our disclosure of personal information
to third parties for their direct marketing purposes, please contact us by
e-mail or postal mail as follows:
Privacy OfficerTree.com, Inc.11115 Rushmore Drive Charlotte, North Carolina 28277
Tree Businesses include,
without limitation: DegreeTree,
Done Right!, Domania, GetSmart, HealthTree, HLC Escrow, Inc., HLC Settlement
Services, Inc., Home Loan Center, Inc., iNest, iNest Realty Minnesota, Inc.,
iNest Realty, Inc., InsuranceTree,
LendingTree Alabama Title Services, LLC, LendingTree Autos, LendingTree
Holdings Corp., LendingTree LoansSM, LendingTree Operations, LLC,
LendingTree, LLC, LT Real Estate, Inc., LT Realty Services, New, Homes Realty,
RealEstate.com, LLC, RealEstate.com, Inc., RealEstate.com Oregon, LLC
RealEstate.com, REALTORS®, Tree Insurance Agency, Inc.,
www.careerdegreesource.com, www.careereducationsource.com, www.domania.com, www.degreetree.com, www.educationdegreesource.com, www.getsmart.com, www.justthrive.com, www.healthtree.com, www.homeloancenter.com, www.inest.com, www.insurancetree.com,
We may change, remove or add a Tree Business in our discretion without notice to you
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