Privacy Notice for California Residents

Last Updated: September 23, 2023

• Privacy Notice for California Residents: This Privacy Notice is an addition to Quality Marketing Group Privacy Policy, which can be found on the website Homesaverqmg.com (the “Site”). The Site is owned and operated by Quality Marketing Group (“Company,” “we,” “us,” or “our”). It is designed specifically for California residents (“Users”) in accordance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California State privacy laws. All CCPA-defined terms are used with the same meanings in this Privacy Notice. For alternative formats of this Privacy Notice for users with disabilities, please reach out to us at support [email protected] or via U.S. mail at 7533 S Center View Ct Ste N, West Jordan, UT 84084.

Use of Personal Information

• The personal information collected may be used or disclosed for one or more of the following business purposes:
  • To fulfill or meet the reason for providing the information. For example, using personal information to respond to price quote and/or other information requests about mortgage-related products and services on the Site.
  • To provide you with requested information, products, or services.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in sweepstakes or promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages related to specific Company products and/or services, and third-party products and/or services that may interest you.
  • To deliver relevant Site content and advertisements and assess the effectiveness of the advertising served to you.
  • To fulfill our contractual obligations and enforce our rights as outlined in agreements between you and us, including the Site’s Terms and Conditions.
  • To enhance the Site and improve its content presentation to you.
  • For customer service purposes and to respond to your inquiries.
  • For testing, research, analysis, and product development.
  • To protect our rights, property, or safety, and those of our clients or others.
  • To comply with law enforcement requests and adhere to applicable law, court orders, or governmental regulations.
  • As disclosed when collecting your personal information or as described in the CCPA.
  • To assess or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, with personal information held by us being among the transferred assets.

We will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing you with notice.

Handling Personal Information

• Rest assured that we do not share, rent, and/or sell your personal information with/to third parties or affiliate marketers for marketing purposes.

Access, Data Portability, and Deletion Rights

• To exercise your access, data portability, and/or deletion rights mentioned above, please submit a verifiable User request through:
  • Emailing us at [email protected]; or
  • Sending us U.S. mail to: 7533 S Center View Ct Ste N, West Jordan, UT 84084
• Only you or a person registered with the California Secretary of State, authorized by you, can make a verifiable User request related to your personal information.
• You are allowed to make a verifiable User request for access or data portability twice within a 12-month period.
• The verifiable User request should:
  • Provide sufficient information for us to reasonably verify your identity or the authorized representative’s identity.
  • Clearly describe your request, enabling us to understand, evaluate, and respond appropriately.
• If we cannot verify your identity or confirm the request’s relevance to you, we won’t be able to respond or provide personal information.
• Creating an account with us is not necessary for making a verifiable User request.
• Personal information from a verifiable User request will only be used for identity verification or authorization purposes.

Access to Specific Information and Data Portability Rights

• You possess the right to request that we disclose certain information to you concerning our collection and utilization of your personal information within the last twelve (12) months. Upon receipt and verification of your verifiable User request, we will provide you with the following:
• The categories of personal information we collected about you.
• The categories of sources from which we collected your personal information.
• Our business or commercial purpose for collecting or selling that personal information.
• The specific pieces of personal information we collected about you (also known as a data portability request).
• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists disclosing:
  • sales, identifying the categories of personal information purchased by each category of recipient;
  • disclosures for a business purpose, identifying the categories of personal information obtained by each category of recipient.

Exclusions from Personal Information

• Personal information does not encompass the following:
  • Publicly available information obtained from government records.
  • De-identified or aggregated User information.
  • Information that falls outside the scope of the CCPA, including:
    • 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 protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Exercising Opt-Out Rights

• You retain the right to opt-out of the use of your personal information. To exercise this right, please submit a verifiable User request using one of the following methods:
• Email: [email protected]
• U.S. Mail: 7533 S Center View Ct Ste N, West Jordan, UT 84084
• We will make every effort to address all opt-out requests expeditiously, typically within fifteen (15) days of receiving your request.

Sources of Personal Information

• We obtain the categories of personal information listed above from the following sources:
  • Directly from our Users. For instance, through online registration forms submitted by Users related to the products and/or services we offer on the Site.
  • Indirectly from our Users. For example, information collected while providing products and/or services to them.
  • Directly and indirectly from activity on the Site. This includes your browser type (e.g., Safari, Chrome, Internet Explorer), IP address, operating system (e.g., Windows or iOS), and Internet Service Provider domain name. We also obtain Site usage details and analytics automatically, in collaboration with third-party partners like Google® and Hotjar®.
  • From interactions on our social media accounts, including comments and likes on our posts.
  • Directly from Users via online registration forms for participating in promotions or sweepstakes featured on the Site.
  • From third parties interacting with us in connection with the products and/or services offered to our Users. For example, third-party entities assisting in direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

Understanding Your Rights and Choices

• As a California resident, the CCPA grants you specific rights concerning your personal information. This section outlines your CCPA rights and provides guidance on how to exercise them.

Request for Deletion

• You have the right to request the deletion of any personal information we collected and retained from you, subject to certain exceptions. Upon receipt and verification of your verifiable User request, we will delete (and instruct our service providers to delete) your personal information from our (their) records, unless an exception applies.
• We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise fulfill our obligations under our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if your deletion may render the research impossible or seriously impair its achievement, provided you previously provided informed consent.
  • Enable solely internal uses that align with User expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device (“personal information”). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

General Privacy Policy:

Last Updated September 23, 2023

Homesaverqmg.com (the “Website,” “we,” “our,” or “us”) values your privacy and treats it with utmost seriousness. Please take a moment to familiarize yourself with our privacy policy. Your visit to this website implies your consent to the practices described in this Privacy Notice.

• What This Privacy Policy Covers:
  • This policy encompasses the treatment of personal information collected and received by the website. This includes data related to your previous usage of our products and services. Personal information refers to data that can identify you, such as your name, address, email address, IP address, or phone number, which is not publicly available.
  • This policy does not extend to the practices of companies not under our ownership or control, or to individuals we do not employ or manage.

Information Collection and Use General

• The website gathers personal information during your registration process.
• Upon registration, we request details like your name, address, phone number, email address, and zip code. Once you complete the registration and access our services, you are no longer anonymous to us.
• We collect information about your transactions with us, including your usage of the financial products and services we provide.
• The website automatically receives and records information in our server logs from your browser, including your IP address, cookie information, and the pages you request.
• We utilize the gathered information for various general purposes: to fulfill your requests for products and services, enhance our services, contact you, and conduct research.
• We reserve the right to send you specific communications related to our services, such as service announcements, administrative messages, special offers, and a website Newsletter.

GDPR and CASL Compliance

• Unfortunately, we are unable to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations grant certain rights to their citizens that differ from those in the United States. As a result, we do not accept registrations from any citizen outside the United States. Our services are exclusively tailored for United States citizens. To the best of our knowledge, we have removed all data related to European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please notify us at [email protected].

Do Not Track Browser Settings

• Take into consideration that advertisers may gather information about your online browsing behavior to present you with targeted ads, also referred to as “behavioral advertising.” To opt-out of receiving such targeted ads, you have the opportunity to submit opt-out requests to the relevant service providers. However, please be aware that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. If you wish to opt-out of behaviorally targeted ads, you can do so at any time by clearing your browser’s cookies.

Cookies

• To enhance Web Site and Systems Administration, we may set and access cookies on your computer.
• Cookies, which are alphanumeric identifiers, are transferred to your computer’s hard drive through your Web browser. They enable our systems to recognize your browser and facilitate the storage of items in your Shopping Cart between visits.

Changes to this Privacy Policy

• Policy Updates: This privacy policy may be updated periodically. If there are any substantial changes in how we handle personal information, we will inform you by sending a notice to the primary email you have provided or by displaying a prominent notice on our site.

Confidentiality and Security

• Ensuring your privacy, we restrict access to your personal information to employees whom we reasonably believe need it to provide products or services or carry out their job functions.
• Our physical, electronic, and procedural safeguards are designed in accordance with federal regulations to safeguard your personal information.

Information Sharing and Disclosure

• Information You Give Us: By providing information on our website or through other means, you enable us to receive and store it. While certain details can be omitted at your discretion, please note that this may restrict your access to many of our features. The information you share is used for purposes such as addressing your requests, personalizing your future shopping experiences, improving our stores, and staying in communication with you.
• Automatic Information: When you interact with us, specific types of information are automatically received and stored. As with numerous other websites, we utilize “cookies,” and certain information is acquired when your Web browser accesses this site.
• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, sending postal mail and email, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. Although they have access to the personal information necessary for their tasks, they may not utilize it for other purposes.
• Legal Obligations: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.
• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before this transfer occurs and your information becomes subject to a different privacy policy, we will notify you.

Terms of Service

Last Updated: September 23, 2023

Detailed Wireless and SMS Policy

• This SMS service may obtain data from you, including your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
• In addition to any fee you are notified of, your provider’s standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.
• All charges are billed and payable to your mobile service provider. We are not responsible for delays in the receipt of SMS messages, as delivery is dependent on effective transmission by your network operator.
• SMS message services are provided on an AS IS basis.

• We may use

  personal information to deliver the services you requested, including customized content and advertising.

• We may also utilize personal information for auditing, research, and analysis to enhance our technologies and services.

• You have the option to remove your information from our database.
• If you choose to remove your information, it will no longer be used for secondary purposes by us or used by us or third parties to send promotional correspondence.
• To remove your information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• If you have any questions or wish to opt-out of any communication (phone, email, SMS, or otherwise), please contact us at [email protected] or send us a letter to 7533 S Center View Ct Ste N, West Jordan, UT 84084.

Response Timing and Format

• Upon receiving your verifiable User request, we aim to respond within forty-five (45) days.
• If we require more time (up to ninety (90) days) to address your request, we will notify you in writing, providing the reason and extension period.
• Your response can be delivered either by mail or electronically, depending on your preference.
• Any information disclosures will cover only the twelve (12) months preceding your verifiable request.
• If we are unable to comply with your request, the response will include an explanation.
• For data portability requests, we will select a format that allows you to easily use and transfer your personal information to another entity.

• We do not charge a fee for processing or responding to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If a fee is applicable, we will provide you with a cost estimate and rationale before fulfilling your request.

Wireless and SMS Policy

• We may use personal information to fulfill the services you requested, which include providing customized content and advertising.
• Standard messaging rates from your provider will apply to our confirmation and all subsequent SMS correspondences, in addition to any mentioned fees.
• If you wish to opt-out and remove your SMS information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• Upon removing your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence.

Contact Information

• If you have any questions, comments, or concerns regarding this Privacy Notice, our Privacy Policy, or the usage of your personal information, as well as your California rights, don’t hesitate to get in touch with us.
• Email us at: [email protected]
• Send your inquiries via U.S. mail to: 7533 S Center View Ct Ste N, West Jordan, UT 84084

Non-Discrimination

• We uphold your CCPA rights and will not discriminate against you in any manner for exercising them.
• Your access to goods and services will not be denied based on your choices.
• We will not apply differential pricing, rates, or penalties for goods or services.
• Your exercise of CCPA rights will not result in a different level or quality of goods or services.
• We will not suggest any price, rate, level, or quality changes based on your CCPA rights exercise.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site’s homepage.