This privacy statement describes how Certainty Home Loans, LLC (“Certainty”,
“CHL”, “we”, “us,” or “our”) collects and uses the personal information of users
and visitors of our website (“user”, “you”, or “your”):
www.certaintyhomeloans.com . It also describes the choices available to you
regarding our use of your personal information and how you can access and update
Certainty is committed to protecting your non-public personal information at all times. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your non-public personal information is protected.
Our websites are not designed to appeal to children under the age of 13 as our business is financial in nature. We don't knowingly attempt to solicit or receive any information from children.
How and why we collect personal information
We primarily collect information by specifically requesting it from you.
Generally, this occurs when you register at our website or request information
or a service. Usually, we and our service partners use your information to
operate the website and to deliver value-added services to you. Our website also
uses your information to inform you about other products or services available
Certainty gathers two types of information about you:
- Data, including non-public personally identifiable information, that users provide through optional, voluntary application on our website
- Data that Certainty gathers through aggregate tracking, including by tallying webpages that are viewed by users throughout our website.
Information we collect when you browse our website
We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you.
Use of Tracking; Use of IP Addresses
An IP address is a unique number that is automatically assigned to your computer
whenever you are surfing the Internet so that your computer can be identified by
the main computers, known as “Web servers,” that “serve up” or display webpages.
This allows us to identify and gather general information and data about you,
such as the webpages you view.
Certainty uses a variety of third-party services to help provide the
most streamlined and user-friendly website possible. We also use third parties
such as Google Analytics & Adobe Analytics to help us understand how our visitors use our website.
These third-parties may collect certain information from your browser (i.e.
using cookies and/or your IP address), and may tailor your ads so that you see
Certainty advertisements on other websites. To learn more, or to opt-out
of receiving online display advertisements tailored to your interests by our
third party partners, visit the Network Advertising Initiative at
www.networkadvertising.org/choices. If you prefer, you can adjust your privacy
settings in your browser so that your information is not tracked. Learn more
about adjusting your Privacy Settings in your browser to
turn off tracking here
We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.
Our third party service provider employs a software technology called clear gifs
(a.k.a. Web beacons/Web bugs), that help us better manage content on our site by
informing us what content is effective. Clear gifs are tiny graphics with a
unique identifier, similar in function to cookies, and are used to track the
online movements of Web users. In contrast to cookies, which are stored on a
user’s computer hard drive, clear gifs are embedded invisibly on Web pages and
are about the size of the period at the end of this sentence. We tie the
information gathered by clear gifs to our customers’ personally identifiable
We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
Access to information
In case you change your mind or some information changes we will try to provide
a way to correct or update the information that you give us. You may update or
delete your information at any time prior to completing your application. Once
the application is submitted, you will not be able to change any of the
information online. We also give you the opportunity to control the
communications we direct to you. If you wish to update information or objects to
any usage provided herein for any reason, you may email the requested change to
at [email protected] . We will respond to your request to access within 30
We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
How we protect your personal information and your privacy
We restrict access to nonpublic personal information about you to those
employees and agents who we determine need to know that information to provide
products or services to you, service your account, or maintain the systems that
support your account. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your non-public
The security of our users’ information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. Certainty uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.
Online applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to Certainty.
Compliance with state and federal laws
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.
If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.
Certainty requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.
What you can do to protect yourself
While we take the security of your non-public personal information seriously and
have taken steps to protect it, there are also a number of precautions that you
can take to protect yourself:
If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.
Create strong, unique passwords for each online service that you use and change these passwords often.
When you finish using our website from a public computer, log out and clear the browser’s cache file.
Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Certainty. Instead, go directly to our website, ensuring that the URL begins with https://certaintyhomeloans.com or https://digital.certaintyhomeloans.com/ .
Does Certainty Home Loans share my personal information with third parties?
As a visitor and user of our website, we will not share any of your non-public
personal information with anyone outside our company except:
- On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you.
- At your direction and with your consent.
- To communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers.
- As required or permitted by law.
- (either intentionally or unintentionally) with any of Certainty’s rights or property, other users, or anyone else. Certainty may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.
Links to other sites
Our site includes links to other websites whose privacy practices may differ from those of Certainty. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at [email protected] . In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Contest and sweepstakes
We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.
Notifications from us
Change of control
Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Certainty.
Agreement and contact
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Certainty Home Loans..
Your California Privacy Rights
California Civil Code § 1798.83 permits visitors to our website who are
California residents to request certain information regarding their disclosure
of personal information to third parties for their direct marketing purposes. To
make such a request, please write us:
Guaranteed Rate, Inc.
Re: Certainty Home Loans
Attn: Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613
DISCLOSURE FOR CALIFORNIA USERS: CERTAINTY AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE CERTAINTY WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT [email protected] .
Notification of privacy statement changes
Who can I contact for privacy related issues?
You can contact us by mail at:
Guaranteed Rate, Inc.
RE: Certainty Home Loans
Attn: Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613