This privacy statement
describes how Owning, a division of Guaranteed Rate, Inc. (“Owning”, “we”,
“us,” or “our”) collects and uses the personal information of users and visitors
of our website (“user”, “you”, or “your”): www.owning.com.
It also describes the choices available to you regarding our use of your
personal information and how you can access and update this information.
committed to protecting your non-public personal information at all
times. To that end, we employ and maintain physical, electronic, and procedural
safeguards to ensure your non-public personal information is protected.
Our websites are not designed to appeal to
children under the age of 13 as our business is financial in nature. We don't
knowingly attempt to solicit or receive any information from children.
How and why we collect personal information
We primarily collect information by
specifically requesting it from you. Generally, this occurs when you register at
our website or request information or a service. Usually, we and our service
partners use your information to operate the website and to deliver value-added
services to you. Our website also uses your information to inform you about
other products or services available from us.
non-public personal information includes, without limitation, (a) your email
address, (b) your first name, (c) your last name, (d) your social security
number, and (e) your loan number.
Owning gathers two types of information about you:
- Data, including non-public personally
identifiable information, that users provide through optional, voluntary
application on our website
- Data that Owning gathers through
aggregate tracking, including by tallying webpages that are viewed by users
throughout our website.
Information we collect when you browse our website
We do not access information
about your identity while you browse our website. Although we collect
information about the date, time and area of our
website that you visited, you remain anonymous to us. Only if you decide to
apply for a loan with us directly or through a broker, do we collect any
personally identifying information about you.
Use of Tracking; Use of IP Addresses
An IP address is a unique number that is
automatically assigned to your computer whenever you are surfing the Internet so
that your computer can be identified by the main computers, known as “Web
servers,” that “serve up” or display webpages. This allows us to identify and
gather general information and data about you, such as the webpages you view.
Owning collects IP
addresses for the purposes of system administration and security, to report on
aggregated information, and to audit the use of our site. Aggregated information
is intended for Owning internal use only,
and is part of our performance tracking and diagnostic processes.
When customers request pages from Owning, our servers log the
customers’ IP addresses. We do not normally link IP addresses to anything
personally identifiable, which means that a customer’s session will be logged,
but the customer will remain anonymous to us unless they decide to apply for a
loan with us. We can, and will, use IP addresses to identify you when we feel it
protect our service, website, users, or others.
Owning uses a
variety of third-party services to help provide the most streamlined and
user-friendly website possible. We also use third parties such as Google
Analytics to help us understand how our visitors use our website. These third-parties may
collect certain information from your browser (i.e. using cookies and/or your IP
address), and may tailor your ads so that you see Owning advertisements
on other websites. To learn more, or to opt-out of receiving online display
advertisements tailored to your interests by our third party partners, visit the
Network Advertising Initiative at www.networkadvertising.org/choices.If
you prefer, you can adjust your privacy settings in your browser so that your
information is not tracked. Learn more about adjusting your Privacy
Settings in your browser to turn
off tracking here.
A cookie is a small text file
on this site. We do not link the information we store in cookies to any
personally identifiable information you submit while on our site.
We use both session ID cookies
and persistent cookies. We use session ID cookies to make it easier for you to
navigate our site. A session ID cookie expires when you close your browser. A
persistent cookie remains on your hard drive for an extended period
of time. You can remove persistent cookies by following directions provided in
your Internet browser’s “help” file.
We use session cookies to tailor your
experience on our site. Persistent cookies also enable us to track and target
the interests of our users to enhance the experience on our site.
including but not limited to our partners, affiliates, tracking utility company
and service providers is not covered by our privacy statement. We do not have
access or control over these cookies. Our partners, affiliates, tracking utility
company and service providers may use session ID cookies.
If you reject cookies, you may still use
our site, but your ability to use some areas of our site, such as contests or
surveys, will be limited.
Our third party service
provider employs a software technology called clear gifs (a.k.a. Web beacons/Web
bugs), that help us better manage content on our site by informing us what
content is effective. Clear gifs are tiny graphics with a unique identifier,
similar in function to cookies, and are used to track the online movements of
Web users. In contrast to cookies, which are stored on a user’s computer hard
drive, clear gifs are embedded invisibly on Web pages and are about the size of
the period at the end of this sentence. We tie the information gathered by clear
gifs to our customers’ personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails have been
opened by recipients. This allows us to gauge the effectiveness of certain
communications and the effectiveness of our marketing campaigns.
Access to information
In case you change your mind or
some information changes we will try to provide a way to correct or update the
information that you give us. You may update or delete your information at any
time prior to completing your application. Once the application is submitted,
you will not be able to change any of the information online. We also give you
the opportunity to control the communications we direct to you. If you wish to
update information or objects to any usage provided herein for any reason, you
may email the requested change to at email@example.com.
We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as
needed to provide you services. We will also retain and use your information as
necessary to comply with our legal obligations, resolve disputes, and enforce
How we protect your personal information and your privacy
We restrict access to nonpublic personal information about you to those
employees and agents who we determine need to know that information to provide
products or services to you, service your account, or maintain the systems that
support your account. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your non-public
The security of our users’
information is an important concern to us. We exercise care in providing secure
transmission of your information from your computer to our infrastructure. Owning uses
industry standard efforts to safeguard the confidentiality of your information.
We periodically upgrade and test these procedures and safeguards. All data
transmitted between internet browsers and our servers are protected against
unauthorized interception or access using Secure Sockets Layer (“SSL”)
protocols. In order touse our website, users are required to be
running an SSL-capable browser. We will use commercially reasonable methods to
keep nonpublic personal information securely in our files and systems. Please
note that with current technology, we cannot guarantee the security of your data
as it travels over the internet.
Online applications are
maintained on a secure server. We do not ensure or warrant the security of any
information you transmit to us in a non-secure environment, such as within or
attached to an email. Email is normally not protected and may be intercepted and
viewed by others. Therefore, you should refrain from sending any
confidential information via unsecured email to Owning.
Compliance with state and federal laws
As privacy rights vary by state, you may wish to contact the appropriate agency
in your state that is charged with overseeing privacy rights of consumers. In
addition, state and federal regulations may require us to maintain and report
demographic information on the collective activities of consumers and users. We
may also be required to maintain your personal information for at least seven
years in order to be in compliance with applicable federal and state laws
regarding record retention.
If you are logged into your account on our website and are inactive for a
certain period of time, you will be automatically logged out. This is a security
measure that reduces the risk of unauthorized access to your account or
non-public personal information.
the use of passwords that meet minimum length and complexity requirements. Users
are also required to change their passwords periodically. To protect against
unauthorized access, accounts are locked after a number of unsuccessful
What you can do to protect yourself
While we take the security of your non-public personal information seriously and
have taken steps to protect it, there are also a number of precautions that you
can take to protect yourself:
- If using your personal computer, ensure
that your operating system and antivirus software are up to date with the
- Create strong, unique passwords for each
online service that you use and change these passwords often.
- When you finish using our website from a
public computer, log out and clear the browser’s cache file.
Stay vigilant for scams like “phishing”. Never provide your login information in
response to any email, physical mail or phone call that claims to be from GRI.
Instead, go directly to our website, ensuring that the URL begins with https://www.owning.com, https://login.owning.com,
Does Owning share my personal information with third parties?
As a visitor and user of our website, we will not share any of your non-public
personal information with anyone outside our company except:
- On a “need to know” basis, as necessary
under the agreements with our vendors to perform the services as contracted
- At your direction and with your consent.
- To communicate with you about products
and services, update you on new services and benefits, or to provide you
with personalized promotional offers.
- As required or permitted by law.
also disclose account information in special cases when we have reason to
believe that disclosing this information is necessary to identify, contact
Policy, or may be causing injury to or interference (either intentionally or
unintentionally) with any of Owning’srights or property, other
users, or anyone else. Owning may disclose or
access account information when we believe in good faith that the law
requires it and for administrative and other purposes that we deem necessary
to maintain, service, and improve our products and services.
Links to other sites
Our site includes links to
other websites whose privacy practices may differ from those of Owning.
If you submit personal information to any of those sites, your information is
governed by their privacy statements. We encourage you to carefully read the
privacy statement of any website you visit.
Our website offers publicly accessible blogs or community forums. You should be
aware that any information you provide in these areas may be read, collected,
and used by others who access them. To request removal of your personal
information from our blog or community forum, contact us at firstname.lastname@example.org.
In some cases, we may not be able to remove your personal information, in which
case we will let you know if we are unable to do so and why.
Contest and sweepstakes
We may offer you the option to participate in contests, sweepstakes, or surveys.
If you agree to participate, we may ask you for contact information, preferences
or other information. This information may be used to conduct research, improve
our offerings, or contact you regarding home financing or award prizes. For
information on how your information that you supply will be used, please refer
to the rules for each contest or sweepstakes.
Notifications from us
If you use our website to apply
for a loan or create an account, you will receive email notifications from Owning from
time to time. These are required notices, and you cannot opt out of receiving
them. They are designed primarily to protect your non-public personal
information from unauthorized access and to provide you information on the
status of your transaction with us. Some notifications may also be necessary
when we make changes to various legal agreements or policies, including this
Change of control
Your non-public personal
information may be transferred in connection with a sale, merger, transfer, exchange or
other disposition (whether of assets, stock or otherwise) of all or a portion of
a business of Owning.
Agreement and contact
By clicking on any button
indicating an acceptance or agreement to terms, a continuance of processing or
submission you understand that you are agreeing to the stated terms and
conditions of that submission and that you are agreeing that you have read,
accepted, and agreed to the Terms and Conditions and agree to do business
electronically with Owning.
Your California Privacy Rights
California Civil Code § 1798.83 permits visitors to our website who are
California residents to request certain information regarding their disclosure
of personal information to third parties for their direct marketing purposes. To
make such a request, please write us:
Guaranteed Rate, Inc.
3940 N. Ravenswood
Chicago, IL 60613
DISCLOSURE FOR CALIFORNIA USERS: GRI AND OTHER PARTIES NOT AFFILIATED WITH US
MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES
OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES
OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE
TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE GRI WEBSITE IS UNABLE TO
RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY
QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT email@example.com.
Notification of privacy statement changes
We reserve the right to modify
with notice on this site prior to the change becoming effective. We encourage
you to periodically review this page for the latest information on our privacy
practices. Your continued use of Owning’swebsite following the
posting of changes to these terms will mean you accept those changes.
PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
Effective Date: January 1, 2020
Owning is a division of
Guaranteed Rate, Inc. This Privacy Notice for California
Residents supplements and is expressly made part of the information
contained in Guaranteed Rate, Inc.’s Privacy
applies solely to all visitors, users, and others who reside in the State of
California (“consumers” or “you”). We adopt this Notice to comply with the
California Consumer Privacy Act of 2018 (CCPA) and other applicable laws.
Any terms defined in the CCPA have the same meaning when used in this
Information We Collect
Our Websites may
collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a particular consumer or device (“personal information”).
In particular, our Websites may have collected the
following categories of personal information from consumers since January 1,
2020, the effective date of the CCPA:
EXAMPLES (NOT ALL WILL BE COLLECTED)
||A real name, alias, postal
address, unique personal identifier, online identifier, Internet
Protocol address, email address, account name, Social Security
number, driver’s license number, passport number, or other
|B. Personal information
categories listed in the California Customer Records statute
(Cal. Civ. Code § 1798.80(e))
||A name, signature, Social
Security number, physical characteristics or description,
address, telephone number, passport number, driver’s license or
state identification card number, insurance policy number,
education, employment, employment history, bank account number,
credit card number, debit card number, or any other financial
information, medical information, or health insurance
information. Some personal information included in this category
may overlap with other categories.
|C. Protected classification
characteristics under California or federal law.
||Age (40 years or older),
race, color, ancestry, national origin, citizenship, religion or
creed, marital status, medical condition, physical or mental
disability, sex (including gender, gender identity, gender
expression, pregnancy or childbirth and related medical
conditions), sexual orientation, veteran or military status,
genetic information (including familial genetic information).
|D. Commercial Information
||Records of personal
property, products or services purchased, obtained, or
considered, or other purchasing or consuming histories or
|E. Biometric Information
behavioral, and biological characteristics, or activity patterns
used to extract a template or other identifier or identifying
information, such as, fingerprints, faceprints, and voiceprints,
iris or retina scans, keystroke, gait, or other physical
patterns, and sleep, health, or exercise data.
|F. Internet or other similar
||Browsing history, search
history, information on a consumer’s interaction with a website,
application, or advertisement.
|G. Geolocation Data
||Physical location or
|H. Sensory Data
||Audio, electronic, visual,
thermal, olfactory, or similar information.
|I. Professional or
||Current or past job history
or performance evaluations.
|J. Non-public education
information (per the Family Educational Rights and Privacy Act
(20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
||Education records directly
related to a student maintained by an educational institution or
party acting on its behalf, such as grades, transcripts, class
lists, student schedules, student identification codes, student
financial information, or student disciplinary records.
|K. Inferences drawn from
other personal information
||Profile reflecting a
person’s preferences, characteristics, psychological trends,
predispositions, behavior, attitudes, intelligence, abilities,
Personal information does not include:
- Publicly available information from
- De-identified or aggregated consumer
- Information excluded from the CCPA’s
- Health or medical information
covered by the Health Insurance Portability and Accountability Act
of 1996 (HIPAA) and the California Confidentiality of Medical
Information Act (CMIA) or clinical trial data;
- Personal information covered by
certain sector-specific privacy laws, including the Fair Credit
Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or
California Financial Information Privacy Act (FIPA), and the
Driver’s Privacy Protection Act of 1994.
Guaranteed Rate, Inc. obtains the
categories of personal information listed above from the following
categories of sources:
- Directly from you. For example, from
forms you complete or products and services you purchase.
- Indirectly from you. For example,
from observing your actions on our Websites.
- Records and copies of your
correspondence (including email addresses), if you contact us.
- Your responses to surveys that we
might ask you to complete for research purposes.
- From third-party business partners
such as social media sites, ad networks, and analytics providers
Use of Personal Information
We use information to offer products
and services to you, fulfill your requests, improve the quality of our
products and services, engage in research and analysis relating to our
products and services, personalize your experience, track usage of our
Website, market the our products and services, provide customer support,
message you, back up our systems, allow for disaster recovery, enhance the
security of our Website, and comply with legal obligations. Even when we do
not retain such information, it still must be transmitted to our servers
initially and stored long enough to process.
We also use information that we
collect about you or that you provide to us, including any Personal
- To present the content of our
products and services to you.
- To provide you with information,
products, or services that you request from us.
- To fulfill any other purpose for
which you provide it.
- To provide you with notices about
your account, including expiration and renewal notices.
- To carry out our obligations and
enforce our rights arising from any contracts entered into between you
and us, including for billing and collection.
- To notify you about changes to our
products or services we offer or provide though it.
- In any other way we may describe
when you provide the information.
- For any other purpose with your
We may use or disclose the personal
information we collect for one or more of the following business purposes:
- To fulfill or meet the reason you
provided the information. For example, if you share your name and
contact information to request a price quote or ask a question about our
products or services, we will use that personal information to respond
to your inquiry. If you provide your personal information to purchase a
product or service, we will use that information to process your payment
and facilitate delivery. We may also save your information to facilitate
new product orders or process returns.
- To provide, support, personalize,
and develop our Websites, products, and services.
- To create, maintain, customize, and
secure your account with us.
- To process your requests, purchases,
transactions, and payments and prevent transactional fraud.
- To provide you with support and to
respond to your inquiries, including to investigate and address your
concerns and monitor and improve our responses.
- To personalize your Website
experience and to deliver content and product and service offerings
relevant to your interests, including targeted offers and ads through
our Websites, third-party sites, and via email or text message (with
your consent, where required by law).
- To help maintain the safety,
security, and integrity of our Websites, products and services,
databases and other technology assets, and business.
- For testing, research, analysis, and
product development, including to develop and improve our Websites,
products, and services.
- To respond to law enforcement
requests and as required by applicable law, court order, or governmental
- As described to you when collecting
your personal information or as otherwise set forth in the CCPA
- To evaluate or conduct a merger,
divestiture, restructuring, reorganization, dissolution, or other sale
or transfer of some or all of Guaranteed Rate, Inc's assets, whether as
a going concern or as part of bankruptcy, liquidation, or similar
proceeding, in which personal information held by Guaranteed Rate
Affinity, LLC about our Website users is among the assets transferred.
Guaranteed Rate, Inc. will not collect
additional categories of personal information or use the personal
information we collected for materially different, unrelated, or
incompatible purposes without providing you notice.
Sharing Personal Information
Guaranteed Rate, Inc. may disclose
your personal information to a third party for a business purpose. When we
disclose personal information for a business purpose, we enter a contract
that describes the purpose and requires the recipient to both keep that
personal information confidential and not use it for any purpose except
performing the contract.
We share your personal information
with the following categories of third parties:
- Subsidaries and affiliates.
- Service providers.
- Third parties with whom we partner
with to offer products and services to you.
- Data aggregators.
Disclosures of Personal Information for a
Since January 1, 2020, Guaranteed Rate, Inc. has disclosed the following
categories of personal information for a business purpose:
- Category A: Identifiers.
- Category B: California Customer
Records personal information categories.
- Category C: Protected classification
characteristics under California or federal law.
- Category D: Commercial information.
- Category F: Internet or other
similar network activity.
- Category G: Geolocation data.
- Category I: Current or past job
history or performance evaluations.
Sales of Personal Information
Guaranteed Rate, Inc. has not sold
personal information since January 1, 2020, the effective date of the CCPA.
Your California Privacy Rights
We do not share personal information
(as defined by California Civil Code § 1798.83) with other people or
non-affiliated businesses for their direct marketing purposes. Our websites
do not respond to browser do-not-track signals.
Under the California Consumer Privacy Act of 2018 (“CCPA”), California
consumers have the right to request:
- The deletion of the personal
information we have about them
- Additional information about whether
and how we have collected, used, disclosed, and sold personal
information about them
- The specific pieces of personal
information we have about them
California consumers also have the
right not to receive discriminatory treatment if they exercise the rights
When you make a request, we may require that you provide information and
follow procedures so that we can verify the request and your jurisdiction
before responding to it. The verification steps we take may differ depending
on the request you make. We will match the information that you provide in
your request to information we already have on file to verify your identity.
If we are able to verify your request, we will process it. If we cannot
verify your request, we may ask you for additional information to help us
verify your request.
Consumers will be required to submit their first and last name and email
address and may also be asked to provide their telephone number or address
so that we can verify the request. Please provide as much of the requested
information as possible to help us verify the request. We will only use the
information received in a request for the purposes of responding to the
California law permits California consumers to use an authorized agent to
make privacy rights requests. We require the authorized agent to provide us
with proof of the California consumer’s written permission (for example, a
power of attorney) that shows the authorized agent has the authority to
submit a request for the California consumer. An authorized agent must
follow the process described below to make a request. The authorized agent
must also verify his/her own identity. We will confirm the agent’s authority
with the California consumer about whom the request was made.
You may submit a privacy rights request to us by:
- Visiting our Data Subject Access
Request (“DSAR”) portal here
- Calling us at 866-934-7283
- Sending us a letter to:
Guaranteed Rate, Inc.
Attn: Compliance Officer
Chicago, IL 60613
Changes to Our Privacy Notice
Guaranteed Rate, Inc. reserves the
right to amend this privacy Notice at our discretion and at any time. When
we make changes to this privacy Notice, we will post the updated Notice on
the Websites and update the Notice’s effective date. Your continued use of
our Websites following the posting of changes constitutes your acceptance of
If you have any questions or comments
about this Notice, the ways in which Guaranteed Rate, Inc. collects and uses
your information described above, your choices and rights regarding such
use, or wish to exercise your rights under California law, please do not
hesitate to contact us at:
Sending a letter to us at:
Guaranteed Rate, Inc.
Attn: Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613
DISCLOSURE FOR CALIFORNIA USERS: GRA AND OTHER PARTIES NOT AFFILIATED WITH
US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE
ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE
OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT
OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE
GRA WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR
INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING
METHODS PLEASE EMAIL US AT firstname.lastname@example.org