Privacy policy

Privacy Policy - Effective Date: April 18, 2016

New Venture Capital ("we", "our") respect your privacy and are committed to using responsible practices in the collection, maintenance and use of your personal information. This privacy policy explains our on-line information practices and applies to your use of newventurecapital.com (the “Website”) and other services offered through the newventurecapital.com (the “Privacy Policy”).

Personally Identifiable Information

Throughout our Website, you may voluntarily submit information that personally identifies you ("Personally Identifiable Information"). In general, you can visit our Website without telling us who you are or sharing any Personally Identifiable Information about yourself except as follows. We only collect Personally Identifiable Information about you if you choose to share it with us. For example, you may choose to provide Personally Identifiable Information by contacting us via Email or the contact form on our website. Personally Identifiable Information may include, but is not limited to, your name, Email address, physical address, phone number, and messages that you can send to us.

Anonymous Usage Data

Like many other websites, ours may collect anonymous usage data ("Non-Personally Identifiable Information") about your activity at this Website. We may store information about the type of browser you are using, your Internet Protocol ("IP") address, the time, date, and length of your visit; and the referring site. This information is collected via computer code sent to your computer (commonly referred to as a "cookie"). The cookie will not expire, unless you manually delete it or set your browser to reject it. If you do not accept the cookie, however, you may have difficulty navigating our full Website.

Use of Information

We use Non-Personally Identifiable Information to manage this Website. We may analyze aggregated anonymous information on the pages visited by our users to make our Website more accessible and useful. Further, we may share this data with third parties, usually to provide services for New Venture Capital associated with the maintenance of the Website.

Except as outlined in this Privacy Policy or on the Website, New Venture Capital will not sell or share your Personally Identifiable Information to others without your consent. If you choose to submit Personally Identifiable Information to the Website, we will use the information for the purpose you requested.

In addition, we may share this information with third parties to fulfill your request or to provide other services that may be of interest to you. If you do not wish New Venture Capital to use your information in this manner, then do not submit any Personally Identifiable Information to us. In addition, New Venture Capital may disclose Personally Identifiable Information about you if we believe in good faith that the law requires it (such as a subpoena, court order or a law enforcement request), or if we reasonably believe it is necessary to protect our legal interests. The information collected from you may be transferred to a third party in the event of a sale, acquisition, merger or bankruptcy involving us.

Links to Other Websites

For your convenience, our Website may contain links to other websites whose information and privacy practices are probably different than ours. If you choose to use these links, you will leave our Website, and will then be subject to the privacy and information practices of those websites. We do not control and are not responsible for any of their content or their privacy policies, if any. We do not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you choose to access any of the other websites listed on our Website, you should understand that you do so at your own risk.

Security

We employ commercially reasonable security measures to reduce the risk of unauthorized access to your Personally Identifiable Information. However, we cannot and do not guarantee that these measures will be sufficient to protect against all efforts to gain unauthorized access to that information.

Children's Privacy

We are committed to complying with the Children's Online Privacy Protection Act (COPPA). Our Website is not directed to children, and we do not knowingly collect Personally Identifiable Information from children. If we receive Personally Identifiable Information that we discover was provided by a child, we will promptly destroy such information. Schools and parents should supervise their children's online activities and consider the use of other means to provide a child-friendly, online environment. If you would like to learn more about COPPA, visit the Federal Trade Commission home page at http://www.ftc.gov.

California Privacy Rights

Pursuant to California Civil Code Section 1798.83, California residents may request certain information regarding our disclosures in the prior calendar year, if any, of their Personally Identifiable Information to third parties for their own direct marketing purposes. To make such a request, please Email us with "California Privacy Rights Request" in the subject line. You must include sufficient detail for us to locate your file; at a minimum, your name, Email and postal address.

California "Do Not Track" Disclosures

We do not track your on-line activity across other websites, nor do we knowingly permit any third-parties to conduct online tracking of you while you are visiting our Website. Consequently, we do not respond to your browser's Do Not Track signal.

Application of United States Laws

Our Website is based on computers located in the United States. Your Personally Identifiable Information will be used and stored in the United States, where data protection and privacy regulations may differ from the level of protection as in other parts of the world.

How to contact us

If you have any questions or concerns about New Venture Capital's Privacy Policy or its implementation, you may contact us using the information provided on this Website's “contact us” section. If at any time you decide that we should no longer hold any of your personal data, or wish to change the use to which any such data can be put, please let us know by Emailing us.

Consent and Revisions

If you have any questions or concerns about New Venture Capital's Privacy Policy or its implementation, you may contact us using the information provided on this Website's “contact us” section. If at any time you decide that we should no longer hold any of your personal data, or wish to change the use to which any such data can be put, please let us know by Emailing us.

Email and Text Message Policy

New Venture Capital dba New Venture Home Loans, New Venture Realty (“us,” “we,” or “our”) offers various ways to communicate with our representatives to make sure your experience with us is as convenient as possible. In addition to speaking with us by phone, we may also provide communication to you through email, text messages, and other forms of communication.

Email and text messages you receive from us is conditioned upon your agreement to the following Email and Text Message Policy.

Communicating with us through email can be convenient but the effectiveness of email messages is often limited and at times may be brief and informal. Due to various forms of simultaneous communication and other limiting factors, emails may not provide an accurate representation of our relationship with regard to obtaining a loan. Typically, our communication may be performed through various forms of communication, including email, phone calls, text messages, letters, in-person conversations, and other forms. An email, by itself, may not accurately represent our entire communication or our intentions and may be susceptible to being taken out of context. All official matters with regard to a loan should be confirmed in a signed writing.

Receipt of Your Email

Sending us an email does not constitute putting us on notice of any matters included within a particular email. Time-sensitive information may not be received or reviewed by us in a timely manner. Emails sent to us undergo virus and spam filters which may delay and/or reject receipt of certain emails. In the case of an urgent communication, please reach out to us by telephone and confirm the call in writing through email or other form.

Email Monitoring and Unsecure Emails

Email uses the internet which is an open system and we cannot guarantee that email messages you send to us, or we send to you, are secure, complete, or free from viruses or that an email will not be lost, intercepted, destroyed, delayed, or prevented from reaching us. We advise against sending any time-sensitive or personally identifiable information through email and we disclaim any and all liability with regard to any email if such email is lost, intercepted, destroyed, delayed, or prevented from reaching us.

All incoming and outgoing emails from us is subject to our monitoring by individuals who are not the specified recipient or sender whether or not any notice of such monitoring is given to the recipient or sender. We also may record or monitor other communication you have with us through other forms of communication, such as our website, text messages, social media, telephone, etc. Your use of forms of communication with us is your consent to the recording and monitoring of this communication.

Viruses and Emails from Us

A computer virus can be transmitted through email, attachments, and links embedded in emails. Although we believe our emails are free of any viruses or other defects that might affect a receiving computer system that receives such message, it is the recipient’s responsibility to make sure that any email they open is free of viruses or other defects. We are not responsible for any loss or damage arising in any way from the receipt, use, storage, or transmission of our emails. If we forward an email or reply to a previous email, the content of such email may include information created by someone other than us or our employees/agents and we assume no liability whatsoever for such information. WE DISCLAIM ANY REPRESENTATION OR WARARNTY THAT OUR EMAILS ARE VIRUS FREE AND/OR ERROR FREE. Any use of email to introduce any virus, malicious or disabling code, or to otherwise obstruct any of our emails, other communication, or computer systems is prohibited and in violation of the law. Violators will be prosecuted to the fullest extent of the law.

Electronic Signature Disclaimer

All emails received by you from us shall not constitute an electronic signature unless we provide explicit and specific language in the email stating otherwise. If you receive an email communication from us, such email is not intended to provide or confirm an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement for us to offer a loan. Documents and agreements, in most cases, are sent to you in a formal and signed writing from us.

Privileged and Confidential Information

Emails which include our legal and compliance departments may contain privileged information that is subject to the attorney/client privilege and/or the attorney/work product privilege. Any privilege attached to this information will not be waived if you inadvertently receive such information through email. If you receive an email and you are not the intended recipient, please notify the sender and delete or destroy the communication. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is prohibited.

Email Content Disclaimer

We disclaim any and all liability, which includes responsibility based upon negligence or negligent misstatement, for the correctness, comprehensiveness, or reliability of the data and information provided through our emails and we make no warranty, express or implied, with respect to such data or information.

Additional Disclosures

When you provide your phone number and agree to receive text messages from us, you are providing express written consent to us, along with our affiliates, agents, and service providers, to contact you regarding your application, loan, or other services via text message or phone call, even if the telephone number you provide is included in a corporate, state or national Do Not Call Registry. You understand and agree that your consent to receive messages or calls is not a requirement for using our services. Through your communication with us by phone and agreeing with this policy, Terms of Use, and Privacy Policy, you consent to the monitoring and recording of your calls. Message and data rates may apply depending on your wireless plan and phone provider.

You understand and agree that we are not, and shall not be, responsible for the effect of any deficiencies that may exist or come to exist on our website or our operations in connection with text messaging. To the maximum amount permitted by law, we hereby expressly disclaim all warranties of any kind, express or implied, including, but not limited to, the implied warranty of merchantability and fitness for a particular purpose.

You understand, represent, and agree that you are the authorized user of the account for the telephone number you provided to us for communication. You must notify us immediately if you change your telephone number and you agree to indemnify us or any party communicating with the phone number you provided to us in full for any and all claims, expenses, and damages resulting from the Telephone Consumer Protection Act. If you wish to opt out from receiving text messages from us, please.

Governing Law

By providing your email address and/or agreeing to use text messaging as a form of communication with us, you agree that the laws of the State of California, without regard to principals of conflict of laws, will govern this communication and any dispute that may arise therefrom. You also agree that any action at law or in equity resulting from this communication shall only be filed in the state or federal courts located in Orange County and Riverside County, California, and you consent to submit to the personal jurisdiction of such courts for the litigation of any such action.

Disclaimers and Licenses

We are an Equal Housing Lender and fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from New Venture Capital dba Infinity Realty GRP will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you receive public assistance. New Venture Capital is a licensed mortgage broker.

Reservation of Rights

We reserve all rights as to our content in all of our emails and text messages. Reproduction, use, or distribution requires our prior express written permission. The only statements that may be published and attributable to us are those issued by the Company’s President or other executive officers.

Our Privacy Policy and Terms of Use

Our Privacy Policy is available here (link to Privacy Policy) and our Terms of Use is available here (link to Terms of Use). By opting in to receive text messages or by providing your email address for correspondence, you agree to the terms of our Privacy Policy and Terms of Use in addition to this Email and Text Message Policy.

To Stop Receiving Text Messages from Us

If you no longer wish to receive text messages from us, you may unsubscribe by texting the word STOP in response to any text messages you have received from us. Once we confirm you no longer wish to receive text messages you will receive a final confirmation of your election and will no longer receive future text messages.

Inquiries About Text Messages or Emails

If you have a complaint about any text message or email you receive from us or a party on our behalf, please call 951-394-3170 or email us clients@nvccorp.com.