Relcu, Inc Privacy Policy

1.0 Introduction

Relcu, Inc is a software developer providing customer relation management and customer communication enterprise platform for Mortgage lenders.

Relcu, Inc is a technology company headquartered in Saratoga, California, which focuses on providing customer relationship management software to mortgage lenders.

For more information about our services, please refer to our website: https://www.relcu.com

This Privacy Policy is applicable to Relcu, Inc (“we,” “our,” or “us”) as related to our services, which collectively include:

• the use of https://www.relcu.com (“website”)

  
  

  This Privacy Policy sets out the essential details relating to your personal data relationships with Relcu, Inc as:

  
  

• A website visitor

• A prospective client

Clients contract the use of our application and give access to their employees and other third parties, as solely decided by them, by creating users who access the application with their email address and credentials. The clients’ administrators grant end users roles, which result in different permissions and access rights to the information held in the Client account.

2.0 Personal Information We Collect

2.1 Information You Choose to Provide to Us

WHEN

We may ask you to provide personal information when:

• You request a free trial or demo.

• You connect with us directly via phone call.

• We or Client Account Administrators grant you access to the application.

• You or Client Account Administrators upload or enter personal information into the application.

  WHAT

  We collect personal information that may include first and last name, business email address, phone number and/or company name.

  
  

  As an end user of the application, we collect your name, business email address and any comments you make in the application.

  
  

  In addition, we may collect data uploaded by you, your employer or other users of the application that may be required to use Relcu, Inc services. We expect all users to follow their organization’s privacy policy and any applicable regulatory requirements when uploading, accessing and using personal information into our application. The data uploaded may include personal information like:

  
  

• Employee names, email addresses and contractual agreements

• Vendor names, email addresses, contractual agreements or other personal data necessary for Relcu, Inc services

• Customer names, email addresses, phone number, loan details used to provide services within Relcu, Inc’s platform

Further information, including specific obligations of the Relcu, Inc, can be found in the Service and/or Data Processing Agreements.

3.0 How We Use Personal Information

• To Provide our Services. We use the information that we collect (i) to operate, test, maintain, fix, and provide features of our Services; (ii) to provide services and information that you request; and (iii) to provide support to customers, users, and site visitors.

• To provide information to you that you have requested from us;

3. 1 Legal Disclosures

It is possible that we may need to disclose personal information when required by law, subpoena or other legal processes as identified in the applicable legislation.

We attempt to notify our clients about legal demands for their personal data when appropriate in our judgment unless prohibited by law or court order or when the request is an emergency.

3.2 Change in Control

We can also share your personal data as part of a sale, merger, change in control or in preparation for any of these events.

Any other entity which buys us or part of our business will have the right to continue to use your data, but only in the manner set out in this Privacy Policy unless you agree otherwise.

1. How We Secure Personal Information

   We are committed to protecting the security of all of the personal information we collect and use.

   
   

   We use a variety of physical, administrative and technical safeguards designed to help protect it from unauthorized access, use and disclosure. We have implemented best-practice standards and controls in compliance with internationally recognized security frameworks. We use encryption technologies to protect data at rest and in transit.

   
   

2. Your Rights

   We provide the same suite of services to all of our clients and end users.

   
   

   We offer the following rights to all individuals regardless of their location or applicable privacy regulations.

   
   

   For personal information we have about you, you can:

   
   

   • Access your personal information or request a copy.

     
     

     You have the right to obtain information about what personal information we process about you or to obtain a copy of your personal information.

     
     

     If you have provided personal information to us, you may contact us to obtain an outline of what information we have about you or a copy of the information.

     
     

     If you are an end user of the application, you can log in to see the personal information in the account or approach your employer for more information.

     
     

   • You have the right to be notified of what personal information we collect about you and how we use it, disclose it and protect it.

     
     

     This Privacy Policy describes what personal information we collect and our privacy practices. We may also have additional privacy notices and statements available to you at the point of providing information to us directly.

     
     

   • Change or correct your personal information.

     
     

     You have the right to update or correct your personal information or ask us to do it on your behalf.

     
     

     You can edit your information through the user account in the application or ask us to change or correct it by contacting us at support@relcu.com 1833-611-1189

     
     

   • Delete or erase your personal information.

     
     

     You have the right to request the deletion of your personal information at any time. We will communicate back to you within reasonable timelines the result of your request. We may not be able to delete or erase your personal information, but we will inform you of these reasons and any further actions available to you.

   • Object to the processing of your personal information.

     
     

     You have the right to object to our processing of your personal information for direct marketing purposes. This means that we will stop using your personal information for these purposes.

     
     

   • Ask us to restrict the processing of your personal information.

     
     

     You may have the right to ask us to limit the way that we use your personal information.

     
     

   • Export your personal data.

     
     

     You have the right to request that we export to you in a machine-readable format all of the personal information we have about you.

     
     

     We do not process personal information through the use of automated means.

     
     

     If you would like to exercise any of the rights described above, please contact us at support@relcu.com.

     
     

     You also have the right to lodge a complaint with the local organizations in charge of enforcing the privacy legislation applicable in your territory.

     
     

3. How Long We Keep Your Personal Information

We retain information as long as it is necessary to provide the services to you and our clients, subject to any legal obligations to further retain such information.

We may also retain information to comply with the law, prevent fraud, collect fees, resolve disputes, troubleshoot problems, assist with investigations, enforce our Terms of Service and take other actions permitted by law.

The information we retain will be handled following this Privacy Policy.

Information connected to you that is no longer necessary and relevant to provide our services may be de-identified or aggregated with other non-personal data. This information may provide insights that are commercially valuable to Relcu, Inc, such as statistics of the use of the services.

1. Other Important Information

   We process data in locations USA East (N. Virginia, Ohio) and USA West (N. California, Oregon) regions and rely on legally-provided mechanisms to lawfully transfer data across borders, such as contracts incorporating data protection and sharing obligations. We provide the capability for the return, transfer and/or disposal of personal data in a secure manner.

   
   

   We will only collect and process your personal data where we have a lawful reason for its collection.

   When you visit our website and provide us with your personal information, we collect and use it with your consent.

   
   

   As an application end user, you consent to our collection of your personal information when you log in for the first time. However, your employer has control of the account and may upload and share additional personal information. Your employer’s responsibility is to ensure that collecting, using and sharing the personal information uploaded to the application complies with all applicable legislation.

   
   

   
   

   Where we rely on your consent to process personal data, you have the right to withdraw or decline your consent at any time. If you have any questions about the lawful bases upon which we collect and use your personal data, please contact us at support@relcu.com, 1833-611-1189.

   
   

   How to select your communications preferences

   You may choose to receive or not receive marketing communications from us. Please click the “Unsubscribe” link in the email we sent you to stop receiving marketing communications.

   
   

   
   

   Even if you opt-out of receiving marketing communications, we may still communicate with you regarding security and privacy issues, servicing your account, fulfilling your requests, or administering any promotion or any program in which you may have elected to participate.

   
   

2. Contact Information

You may contact us to exercise any of your rights or ask for more information about your personal information and our privacy practices by contacting us at support@relcu.com.

Appendix

1. California Privacy Rights

   As a California resident, you may be able to exercise the following rights in relation to the personal information about you that we have collected (subject to certain limitations at law):

   
   

   • The right to know any or all of the following information relating to your personal information that we have collected and disclosed in the last 12 months (upon verification of your identity):

     • The specific pieces of personal information we have collected about you

     • The categories of personal information we have collected about you

     • The categories of sources of the personal information

     • The categories of personal information that we have disclosed to third parties for a business purpose, and the categories of recipients to whom this information was disclosed

     • The categories of personal information we have sold and the categories of third parties to whom the information was sold, and

     • The business or commercial purposes for collecting or selling the personal information.

   • The right to request deletion of personal information we have collected from you, subject to certain exceptions.

   • The right to opt-out of personal information sales to third parties now or in the future. However, we do not sell your personal information.

You also have the right to be free of discrimination for exercising these rights.

Please note that if exercising these rights limits our ability to process personal information (such as a deletion request), we may no longer be able to provide you with our products and services or engage with you in the same manner.

A.2.4 How to Exercise Your California Consumer Rights

To exercise your right to know and/or your right to deletion, please submit a request by contacting us at support@relcu.com.

We will need to verify your identity before processing your request.

In order to verify your identity, we will generally require sufficient information from you so that we can match it to the information we maintain about you in our systems. Sometimes we may need additional personal information from you to be able to identify you. We will notify you.

We may decline a request to exercise the right to know and/or right to deletion, particularly where we cannot verify your identity or locate your information in our systems or as permitted by law.

You may choose to designate an authorized agent to make a request under the CCPA on your behalf. No information will be disclosed until the authorized agent’s authority has been reviewed and verified. Once an authorized agent has submitted a request, we may require additional information (i.e., written authorization from you) to confirm the authorized agent’s authority.

If you are an employee/former employee of a Relcu, Inc client that uses our application and services, please direct your requests and/or questions directly to your employer or former employer.

If you are a third party (auditor, business associate, etc.), who was given access to the Relcu, Inc application by a Relcu, Inc client, please direct your requests and/or questions directly to the Relcu, Inc client that gave you access.

Minors Under Age 18

Our application and services are intended for business use, and we do not expect them to be of any interest to minors. We do not intentionally collect any personal information of consumers below the age of 18.