Privacy Policy

Xome Inc. collects information about you when you use ValueYourHome.com and our other mobile applications, websites, or services (collectively, “Services”), and through other interactions or communications you may have with us. Xome Inc. and its affiliates may be referred to as “Xome,” “we,” or “us.”

This Privacy Policy applies to any user of our Services for any reason and anywhere in the world. Please take a moment to read this policy to understand how we collect, use, and share your information.

1What Information We Collect

Information You Provide Directly: When you use our Services, we collect a variety of information from you directly, including personally identifiable information obtained from online registrations, searches, applications, surveys, or other forms you complete. For example, when you register you provide personal information such as your name, physical address, email address, or phone number.

If you register to participate in an auction event, we may collect additional information including financial and credit information, details about properties you bid on, and your bidding patterns and history.

Information Collected Through Your Use of Our Services: We also collect and store information such as:

• Unique device identifier and browser program
• Pages or subject areas you visit
• Internet Protocol (IP) address, operating system, and language
• State or country from which you accessed our Services
• Date and time of your visits
• Websites you visited before and after visiting ValueYourHome.com
• Error logs, preferences expressed, and settings chosen
• Hardware and software information of your device
• Precise device location (if you permit location services through your mobile OS)
• Approximate location derived from your IP address

If you use any social networking functionality provided by us, we may access and use your social network profile information that you have made available to be shared.

2How We Collect Information

Cookies: We may send cookies to your computer primarily to enhance your online experience. Cookies are small files that can identify you as a unique user and store your personal preferences or technical information. They can be permanent (remain until you delete them) or temporary (expire when you close your browser).

We also provide a Cookie Preference Manager where you can make specific categories of cookies active or inactive. You can reset your browser to refuse all cookies, but various features of our Services may not function properly without them.

Web Beacons: We may use web beacons — small graphic images on web pages — to transfer data such as your IP address, the URL of the page you’re viewing, the time of your visit, your browser type, and cookie identification numbers. In HTML emails, web beacons let us know whether you received and opened our email.

On their own, cookies or web beacons do not contain personally identifiable information. However, if you furnish personal information through our Services, it can be linked to data stored in cookies or web beacons. By your ongoing use of our Services, you agree to these data collection methods.

3Information Use & Disclosure

Unless you choose to opt out, by using our Services you consent that we may use or share information about you to:

• Enhance your user experience on ValueYourHome.com
• Determine your eligibility for a wider range of services or products
• Customize and personalize content provided to you
• Send you information about topics that may be of interest to you
• Perform research and analytics
• Provide communications related to your account
• Present information regarding products and services from our affiliates

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including responding to government or regulatory requests
• To enforce or apply our Terms of Use and other agreements
• To support compliance or audit requirements
• To detect, prevent or respond to fraud, security, or technical concerns
• To protect the rights, property, or safety of our Services, customers, or others
• In the event of a merger, acquisition, or other transfer involving all or part of our business

4Sharing with Affiliates

Federal law gives you the opportunity to limit the sharing of “non-experience information” among affiliates of Xome. “Non-experience information” includes information used or collected for the purpose of establishing your eligibility for consumer credit, insurance, or deposit accounts, including information from your applications, credit reports, and sources used to verify representations made by you.

We may share customer information we collect with our affiliated companies that provide financial and other services, such as mortgage lenders, insurance agencies, title/escrow, and other settlement services companies.

If you prefer that we not share non-experience information about you with a Xome affiliate for marketing purposes, you may opt out by:

5Third-Party Service Providers & Joint Marketers

We may work with non-affiliated companies or organizations to provide you opportunities to buy products or services. We may disclose some or all of the information we collect to:

• Companies that perform services on our behalf (data processing, customer support, and other vendors)
• Companies with whom we have joint marketing agreements
• Financial service providers such as mortgage bankers, title companies, and insurance agents
• Non-financial companies such as retailers, direct marketers, membership clubs, and publishers
• Other companies and organizations, including non-profit organizations

For your protection, we require that these companies keep all personal information secure and confidential.

If you prefer that we not share information about you with non-affiliates of Xome, you may opt out by contacting us at (800) 758-8052, writing to us at 750 Highway 121 BYP, Suite 100, Lewisville, TX 75067, or emailing [email protected].

6Targeted Advertising

We may use technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). We believe this helps provide you with more relevant advertising based on the websites you visit.

Please note that ValueYourHome.com does honor “Global Privacy Signal” settings. Although you may not opt out of receiving online advertisements generally, you may control the collection of data on our site used for targeted advertising during your visits to other websites.

You can visit the NAI Opt-Out website for information on how to opt out of behavioral tracking.

7How We Protect Your Information

Keeping your personal information secure is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information.

We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic, and procedural safeguards.

8Maintenance of Accurate Information

We have established commercially reasonable procedures to ensure that your personal information is as accurate and complete as possible. If you believe our records contain inaccurate or incomplete information about you, please notify us:

We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

9Other Websites

ValueYourHome.com may contain hyperlinks to other Internet sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or privacy practices employed by other sites.

This Privacy Policy applies only to ValueYourHome.com Services. The privacy policy of Xome affiliates may differ, and any activity conducted on an affiliate’s website is governed by that affiliate’s privacy policy. We encourage you to review the privacy policy of any website you visit via hyperlink from our site.

10Children Under 13 Years of Age

Pursuant to our Terms of Use, use of our Services by children under the age of 13 is prohibited. We will not purposely or intentionally collect any information from any child under the age of 13.

If a child under the age of 13 has provided personal data to us, we encourage the child’s parent or guardian to contact us to request that we remove the personal data from our systems. If we learn that any personal data we collect has been provided by a child under 13, we will promptly delete that personal data.

11Nevada Residents

Through your registration, searches, applications, surveys, or other forms you complete using our Services, we collect a variety of information from you directly, including name, physical address, telephone number(s), and email address.

This information may be viewed, updated, and edited through your user profile on ValueYourHome.com. You may also contact us per Section 8 above should you have questions or concerns regarding your personal information.

Your information may be shared with third parties and affiliates in accordance with Section 4 and 5 above. Any material changes to this privacy policy will be made in accordance with Section 13 below.

12Additional U.S. State Privacy Rights

If you live in Colorado (eff. July 1, 2023), Connecticut (eff. July 1, 2023), Utah (eff. December 31, 2023), or Virginia (eff. January 1, 2023), you may have these rights:

• Right to Access: Confirm whether we are processing your Personal Information and access it. You may request access up to two times in any 12-month period.
• Right to Correct: Request that we correct inaccuracies in your Personal Information.
• Right to Delete: Request that we delete your Personal Information (subject to legal exemptions, such as completing a transaction, preventing fraud, or complying with a legal obligation).
• Right to Data Portability: Request a copy of the Personal Information you provided to us.
• Right to Opt Out: Opt out of (i) processing for targeted advertising, (ii) sale of your Personal Information, and (iii) profiling in furtherance of decisions that produce legal or similarly significant effects.

Please note: Xome does not SELL any of your personal information. We do not use Personal Information for profiling in furtherance of decisions that produce legal or similarly significant effects.

We primarily use personal information to offer and provide you our products and services, protect against fraud, and provide a better digital experience. We work with “service providers” under strict contractual restrictions who may not sell or share your information except as Xome permits.

To exercise rights (1) through (4), contact us at [email protected]. To appeal a decision, contact us at [email protected] and include information related to your original request.

13Changes to This Privacy Policy

We may revise this Privacy Policy from time to time as we deem necessary. Any changes will be posted on this page and take immediate effect. Please review this page regularly to remain informed about the most recent terms of our Privacy Policy.

Your ongoing use of our Services constitutes your acceptance of this Privacy Policy, including any changes following the posting of such changes. If you do not agree with this Privacy Policy, please do not use our Services.