Privacy Policy

For additional Privacy Notices, please see "State Privacy Protections" below.

Welcome to ARIVE! We value your privacy and take safeguarding your personal information seriously. In this Privacy Policy ("Policy"), we describe the information we collect, how we use it, and when and with whom we share it. This Policy applies to the ARIVE platform, including any subsequent version or upgrades (the "Platform"), and all websites, mobile applications, and other online services (collectively, the "Service") operated by Wizni, Inc. and its wholly-owned subsidiaries, including Arive, LLC (collectively, "ARIVE", "we", "us", or "our").

This Policy covers information you provide or share with us, as well as with mortgage brokers, lenders, and other authorized users of the Platform who are involved in assisting you with your loan application or with any other mortgage-related services. This Policy describes our practices regarding the information we collect, and we encourage you to review the separate privacy policies and practices of your mortgage broker, lender, and any other parties you work with.

State Privacy Protections

Users may be subject to different or broader protection standards, as required by state laws, such as rights to know the personal information we collect, to correct or delete certain information, or to opt out of the sale or sharing of certain personal information. Residents of California are encouraged to review the California Privacy Notice.

Information We Collect

How we collect and store information depends on how you access and use the Platform. We collect information in multiple ways including when you provide information directly to us, when you permit third parties to provide information to us, and when we passively collect information from you, such as information collected from your browser or device. Details regarding the types of information collected are provided below in this Policy or by specific prompts or explanations prior to the collection.

Information we collect may be about you or about others who may be involved in your mortgage loan process (such as a client, co-applicant, or other party who will hold title on the property to be financed). You are responsible for any information you provide to us, and by providing such information you hereby confirm that such information is either your own information or that you have the third party's consent to provide such information.

Unless otherwise specified, all information that we collect is mandatory for the Service you have requested, and failure to provide the information may make it impossible for us to provide the Service. In cases where information is not mandatory, you are free to not provide such information. Unless otherwise specified, use of any cookies or other tracking tools is required for the functionality of the Service.

Information You Provide Directly to Us

We may collect information from you during your use or access of the Platform, including:

• When you register for an Account;
• When you participate in polls or surveys;
• When you enroll for electronic newsletters;
• When you request a quote or other information;
• When you are directed by a lender or broker to use the Platform to submit a loan application;
• When you submit or respond to a quote;
• When you fill out any forms;
• When you register for other mortgage related services offered through a third-party;
• When you interact with customer service representatives by phone, email, or chat;
• When you transmit content on the Platform;
• When you download or use one of our mobile applications.

The information you provide to us depends on how you use or access the Platform. When you request customer service, you acknowledge and agree that we may record and retain information you provide to our representatives without separate notice to you, to the extent permitted by applicable law.

Information you provide to us may include: name, social security number, email address, telephone number, address, demographic information, date of birth, insurance information, photographs, information about your mortgage loan, account password, billing information, employment history, tax returns, and financial information related to income, account balances, and creditworthiness.

Information from Third Parties

We may collect information through non-affiliated third parties. For example, we may make it possible for you to access the Platform through your lender, a mortgage broker, or a social networking account.

We also collect information through certain non-affiliated third parties. For example, in order to assist with your loan application, your broker or lender may request that we collect supplemental information from third parties, such as your credit history from a credit bureau, or information to verify your identity or trustworthiness, or for other fraud or safety protection purposes.

We may also collect information about communications between you and your mortgage lender, broker, or other third-party service provider involved in the mortgage process, for our billing purposes and to enforce the Terms of Use.

Information That is Passively or Automatically Collected

Device/Usage Information. We and our third-party service providers use beacons and other tracking technologies to collect information about the computers or devices you use to access the Platform, including browser type, operating system, domain name, access time, referring or exit pages, page views, IP address, and device type.

Location Information. When you use the Platform, we may collect general location information from you (such as IP address). If you install our mobile app, we may ask you to grant us access to your mobile device's geolocation data.

Cookies and Other Electronic Technologies. We and our third-party service providers may use cookies, clear GIFs, pixel tags, and other technologies that help us better understand user behavior, personalize preferences, perform research and analytics, provide training and customer support, and improve the Platform.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but your browser may allow you to modify your browser settings to decline cookies if you prefer.

You can learn more about our use of cookies and opt out of optional cookies, if any, by clicking on Manage Cookies at any time.

How We Use the Information We Collect

We may use, process, or share your information for some or all of the following reasons:

• For the purposes for which you provided it;
• To process your loan application;
• To allow lenders to underwrite your loan application;
• To verify the accuracy of information provided on your loan application;
• To enable you to use the services available through the Platform;
• For customer support and to respond to your inquiries;
• For internal record-keeping purposes;
• To administer surveys, sweepstakes, promotions, or contests;
• To track fees and process billing and payments;
• To improve and maintain the Platform and for product development;
• To address fraud or safety concerns, or to investigate complaints or suspected fraud;
• To periodically send promotional emails, messages, or other information that may interest you;
• For our market research purposes, including the customization of the Platform according to your interests;
• To detect any malicious or fraudulent activity;
• To resolve disputes, to protect ourselves and other users of the Platform, and to enforce any legal terms that govern your use of the Platform.

We may combine information that we collect from you through the Platform with information we obtain from third parties, and information derived from any other products or services we provide.

We may aggregate and/or de-identify information collected through the Platform. We may use de-identified or aggregated data for any purpose, including for research and marketing purposes.

We may, either directly or through third-party service providers, review, scan, or analyze your communications with other users on the Platform for fraud prevention, risk assessment, regulatory compliance, investigation, product development, research and customer support purposes.

To Whom We Disclose Your Information

Sale of Personal Information. We do not sell your personal information for money and do not act as a data broker. However, we may share or disclose some personal information as described below, which in some cases may be deemed "selling" under various state laws, even if we receive no money.

Sharing or Disclosure of Personal Information. In order to carry out the business or commercial purposes for our use or processing of personal information described above, we may disclose your personal information to: (i) our directly-affiliated companies, (ii) third-party suppliers or professional service providers, and (iii) federal and state governmental authorities or agencies as required.

Third-party suppliers or professional service providers to whom we disclose information may include: data providers, credit reporting agencies, title insurance companies, CRM providers, lead aggregators, marketing providers, technology providers, communications companies, document management vendors, cloud storage providers, payment processors, web analytics, hosting, email distribution, and other service providers who assist us in providing our Service.

Social Media and Third-Party Website Privacy Considerations

From time to time, we may provide the ability to connect to our Platform through social media or through other parties' websites. Your activity on third-party websites or applications is governed by their respective security and privacy policies.

If you connect to the Platform via a social media or third-party website, some of your information may be visible to others. We encourage you to review their policies before using their websites or applications.

Online Analytics and Tailored Advertising

Analytics

We may use third-party web analytics services on the Platform, such as Google Analytics or similar services. These service providers use tracking technologies to help us analyze how you use the Platform.

Tailored Loan Product Advertising

Third parties whose products or services are accessible or marketed via the Platform may place cookies or other tracking technologies on your device to collect information about your use of the Platform in order to inform, optimize, and serve marketing content based on past visits.

You may receive tailored advertising on your computer through a web browser. Each operating system provides its own instructions on how to opt-out of the delivery of tailored in-application marketing content.

Do Not Track Disclosure

Certain laws require us to let you know how we respond to web browser Do Not Track (DNT) signals. We do not currently recognize or respond to browser-initiated DNT signals.

Privacy of Minors

The Platform and related services are not designed for minors under 18. Only persons 18 years of age or older may use the Platform. If we discover that an individual under 18 has provided us with personal information, we will close the account and delete the personal information to the extent required by law.

Security and Processing of Information

We employ reasonable security procedures and practices as required by law to protect your personal information from unauthorized or illegal access, destruction, use, modification, or disclosure. No security measures, however, are 100% failsafe.

You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password, and not recycling passwords from other websites or accounts.

We may process your information when reasonably necessary: (i) to provide the Service, (ii) to comply with legal obligations, (iii) to carry out our other legitimate business purposes, (iv) to fulfill contractual obligations, or (v) as otherwise agreed by you or to which you have provided your consent.

Location of Processing and Access to Information

The Platform application and data are hosted with facilities based in the United States. Information is processed at our facilities and at any other location where the parties involved in data processing are located. We employ encryption technology when handling data, both in transit and at rest.

Retention of Personal Information

We will retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to fulfill our legitimate business interests.

For example, under federal and state laws, information relating to a loan application will generally be stored in our Platform by your broker or lender for a minimum of 3 years, and up to 7 years. We will also retain your information, including after your relationship with us ends, as long as necessary to enforce or comply with our legal or contractual rights and obligations.

External Resources

The Platform may contain links to, or information about, other websites or resources over which we do not have any control. Such links do not constitute an endorsement by us of those external websites. We are not responsible for the content of such external websites or the protection and privacy of information you provide while visiting them.

Your Right to Update, Delete, and Correct Your Information and Certain Opt-Out Rights

You may review, correct and delete certain information about you by logging in to the Platform and navigating to your Preferences page. You must promptly update your account information if it changes or is inaccurate.

Residents of certain states may have additional rights to review, correct and delete personal information, as well as to opt out of certain activities relating to the sale, sharing or disclosure of personal information.

You may exercise your rights by following the instructions under the relevant state Privacy Notice, or by contacting us at the address below.

Changes to This Policy

This Policy is current as of the date set forth below, but is subject to change at any time, in our sole discretion. If we make changes, we will post an updated Policy and revise the Effective Date. Your continued use of the Service following the posting of changes constitutes your acceptance of such changes.

Consent to Transfer

The Platform application and data are hosted with facilities based in the United States, so your personal information will be processed by us in the United States. By using the Platform, you are consenting to the practices described in this Policy and agree to have your personal information transferred to and processed in the United States.

Definitions

The words "include," "includes" and "including" shall mean without limitation, and any listing thereafter is not exhaustive.

Contact Us

If you have any questions about this Policy or our privacy practices, you may contact us by email at privacy@arive.com or by mail at Arive, LLC, c/o Wizni, Inc., 5000 Executive Parkway, Suite 312, San Ramon CA 94583.

Effective Date: June 29, 2023