Privacy Policy
Last Updated: March 31, 2022
Overview
This Privacy Policy describes how Floify LLC (“Floify” or “we”) collects, uses, and shares personal information. This Privacy Policy applies to personal information we collect when you access or use our websites, mobile applications, or other platforms or properties (the “Properties”), use our products and services (individually and collectively with the Properties, the “Services”), communicate with us by telephone, chat or SMS, or otherwise interact with us. This Privacy Policy also applies to personal information we collect from other sources, including our parent company Porch.com, Inc., Porch’s parent company Porch Group, Inc., and their direct and indirect subsidiary companies (each, a “Porch Group Company”) and mortgage companies, other loan originators, realtors and other business users that use our loan document workflow management system for uploading, downloading, and managing documents and information (“Organizations”).
By "personal information," we mean information that uniquely identifies an individual, such as a name, email address, or government-issued identification number (such as a driver’s license number or social security number); unique financial information; and information that we link to an individual’s unique identifier(s) or unique financial information. If information is de-linked or de-identified, we do not consider it to be personal information. For example, a postal address would not be personal information if it were included in a list of addresses without names or other unique identifiers. Business information (such as the name of a business or the business address or phone number) is not personal information.
When a person interacts with us, it may be in their role as a borrower using our loan document workflow management system or in their business role (i.e., as a representative of an Organization client or potential client). Even in business interactions, we may receive an individual’s name and other personal information. When you interact with us, we will collect your personal information and use it to interact with you as described in this Privacy Policy.
References to Floify (or “we”) also include companies providing services to Floify, the Porch Group Companies, and Organizations or other business partners, to the extent that such parties are collecting, using, or sharing personal information for or on behalf of Floify. This Privacy Policy applies to information collected by those companies only when they provide it to Floify.
We may change this Privacy Policy from time to time. If we make changes, we will notify you by posting the updated Privacy Policy on our website and updating the effective date at the top of this Privacy Policy and, in some cases, we may provide you with additional notice (such as adding a statement to our websites’ homepages or sending you a notification).
If you do not agree with the terms of this Privacy Policy, please do not continue using the Services.
Information We Collect
Information You Give to Us
We collect information that you provide directly to us. For example, we collect mortgage- and borrower-related information and documents you upload to our loan document workflow management system. You may also provide us information to receive other benefits of the Services, when you request customer support, or when you otherwise transact business with us; when you provide a success story or other testimonial about your experiences with Floify; when you engage with us on social media or participate in our promotional marketing programs; when you contact our sales team on behalf of your business; or when you otherwise provide or upload content that includes personal information.
Information We Collect Automatically
When you access or use the Services or when we send you emails, we and our advertisers may use tracking technologies to automatically collect information about you. Please see our Cookie Policy to learn more about these technologies, how we use them, and how to manage or disable them. Automatically collected information may be associated with your unique browser, device identifier or Internet protocol (IP) address, but we do not consider it to be personal information unless it is linked to your unique identifier(s).
Automatically collected information includes:
- Log Information. We log information such as IP address, access times, operating system, browser type and language, Internet service provider (ISP), and the web page you visited before navigating to our Services.
- Usage and Session Information. We collect usage information, such as how many visitors visit a specific page, how long they stay, which links they click on, and how, when and how often they order particular services, and session information, such as mouse actions, pages visited, screen actions and other interaction patterns.
- Device Information. We collect information about the computer or mobile device you use to access the Services, including the hardware model, operating system and version, unique device identifiers and mobile network information.
- Location Data. If you are using mobile Services, we may collect location data directly from your mobile device if your device allows us to do so. In addition, your IP address may provide an approximate geo-location.
- Transaction Information. When you purchase a service, we collect information about the transaction, such as the date and location of the purchase.
- Emails. When you receive emails from us, we collect information about whether and when you opened the email, whether you clicked on the images and links in the email, and whether your computer or mobile device is capable of receiving HTML-based email.
Information We Collect from Organizations, Porch Group Companies and Third Parties
We obtain your personal information from Organizations, when they invite you (as a borrower) to use our loan document workflow management system and when they submit or upload information in connection with your loan application.
We may also obtain information from Porch Group Companies and other companies that partner with Floify to offer promotions to their or our clients or users. For example, a Porch Group Company may provide us with consumer information to allow us to offer them Floify services or for Organizations to offer them refinancing services.
We may obtain personal information (such as business lead information) from third-party data providers and public sources.
Information Collected from Calls
When you call us, when we call you, we may monitor and/or record those calls for quality assurance and customer satisfaction purposes. In those jurisdictions where consent is required for a party to record a telephone call, you consent to us recording such calls. We treat the records of these calls, when linked to your unique identifier(s), as personal information.
Social Media
When you interact or engage with us on social media sites such as Facebook through posts, comments, questions and other interactions, we may collect such publicly available information, including profile information, to allow us to connect with you, or better understand user reactions and issues. Once collected, this information may remain with us even if you delete it from the social media site(s).
Testimonials
We post success stories or other testimonials on our website, which may contain personal information. Before posting a testimonial, we obtain the person’s consent to post their name and image along with their testimonial.
Aggregate and Anonymized Information
We may also aggregate (group) or de-link/de-identify (anonymize) information. For example, we may collect and compile anonymous demographic information about the age, gender, household income and financial information of our borrower users; or statistics about how many loan applications and documents were processed through our document workflow management system. Aggregated, anonymized data is not personal information subject to this Privacy Policy, and we may use it to analyze usage of the Services or for any other purpose. We may also share aggregated and/or anonymized information with Porch Group Companies and our and their business partners.
Categories of Personal Information Collected
In the last 12 months, Floify has collected the following categories of personal information from the categories of sources described above. We consider this information to be personal information to the extent that it is information that uniquely identifies you, is unique financial information, or is linked to your unique identifier(s), or if it is defined as personal information by applicable state law.
Category | Examples |
Identifiers | Real name; postal address; unique personal identifier or online identifier; Internet Protocol (IP) address; email address; account name; social security number, driver’s license number, passport number, or other similar identifiers |
Personal information categories listed in the California customer records statute (Cal. Civ. Code § 1798.80(e)) | Name; signature; telephone number; credit card or debit card number, bank account number, or other financial information; insurance policy number; education, employment or employment history; Address (in states that designate a postal address as personal information, such as California) Types of personal information included in the CA customer records statute that are included in other categories are not repeated here |
Protected classification characteristics under California or federal law | Age (40 years or older); race, national origin, ethnicity; citizenship status; marital status or familial status; sex; veteran or military status |
Commercial information | Records of personal and real property |
Internet or other network activity information | Browsing history; search history; information regarding a consumer's interaction with a website, application, or advertisement |
Geolocation data | The location of a consumer’s computer or device when accessing or using the Properties |
Audio, electronic, visual, thermal, olfactory, or similar information | Call recordings of customer service calls; photographs of individuals |
Professional or employment-related information | Current or past employment history; place of work |
Biometric Information | None |
Education Information | None (except as included in other categories) |
Inferences drawn from other personal information | None |
How We Use Information We Collect
In general, we use the information we collect to operate our business and, where we are legally and contractually permitted to do so, to facilitate the business of the Porch Group Companies, including:
- To provide, maintain, improve, and personalize the Services and the services of other Porch Group Companies.
- To process transactions, to provide and improve customer service and performance, to communicate with you about your account, changes in our policies or other service matters, and to otherwise manage our customer relationships.
- To offer products and services from Floify, the Porch Group Companies, and our and their business partners (when permitted to do so under this privacy policy).
- To optimize marketing campaigns and to analyze their effectiveness, distribution and reach.
- To develop new products and services.
- To administer contests, promotions or sweepstakes.
- To detect, investigate and address technical issues, security incidents, fraudulent transactions, abuse, violations of our agreements and policies, and illegal activities.
- To comply with our legal obligations and legal process.
- To create aggregated or de-identified data sets.
- To analyze trends, administer the Properties, and track visitor navigations on the Properties to understand what visitors are looking for.
- To carry out certain short-term activities and other reasonable internal purposes related to the Services or our customers’ ongoing relationship with us.
- To perform other business purposes described at the time the information is collected or as otherwise set forth in applicable data privacy laws.
Floify will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.
How We Share Information
Except as described in this Privacy Policy, we do not sell or rent personal information to any third party. If we share personal information, we do so only as follows.
User-Directed Disclosures
We share your personal information when you direct us to do something that requires its disclosure or when you otherwise provide your consent. For example:
- when you use our loan document workflow management system to provide your documents and information to an Organization, the Organization will receive your personal information;
- when you choose to connect your Floify borrower account to third party services, that third party will receive your information (in accordance with your privacy settings with those third-party services); and
- if you opt in to receiving marketing from Porch Group Companies, as described below, we will provide your information to them for that purpose.
Porch Group Companies
If you are a borrower and you and your associated Organization consent to your receiving marketing from Porch Group Companies, we will provide your information to Porch Group Companies so that they can offer you the Porch Home Assistant moving concierge service, insurance, and other products and services of interest to you. If your information is shared with Porch through this opt-in, Porch may also use your information to improve their products and services (such as confirming or supplementing information they have about you or classifying you as a mover). If you and your Organization do not consent to marketing from the Porch Group Companies, we will not provide your information to them for the purposes of marketing or improving their products and services. However, we may provide your personal information to the Porch Group Companies in connection with the database, technical, legal, accounting, and other services (other than marketing) shared between the Porch Group Companies, and for other internal business purposes.
When you interact with Floify on behalf of your business, we may share your information with the Porch Group Companies to allow them to offer relevant services to your business and to personalize their communications with your associated borrowers who have opted into marketing from the Porch Group Companies.
The Porch Group Companies will be bound by the terms of this Privacy Policy with respect to personal information received from Floify and will use that personal information only as described in this Privacy Policy.
Companies Providing Services to Floify
We share information with third-party vendors, consultants, and other service providers that are providing business services to Floify. For instance, we may share information with a third-party service provider that hosts the Properties, provides call center or other customer service, processes payments, sends out emails, serves ads to you on the Properties or on a third-party platform, or monitors or analyzes Services data. Such companies will have access to personal information only as necessary to carry out their work and are prohibited from using it for any other purpose.
Floify Business Partners
If you are not already an Organization client, we may provide your personal information to Organizations to enable them to offer you relevant financial services. When you interact with Floify on behalf of your business, we may share your personal information with our business partners to allow them to offer services or promotions to your business.
Companies with Whom You Have an Existing Relationship
If you are already a customer of or otherwise have a direct relationship with a business partner of a Porch Group Company (an “Existing Relationship Company”) and we have shared your information with a Porch Group Company for marketing and product/service improvement purposes as described above (i.e., with your consent), the Porch Group Company may disclose certain information about you to that Existing Relationship Company. If you are a match to a customer on the Existing Relationship Company customer list, the Porch Group Company may provide the Existing Relationship Customer with information such as the groups or segments you belong to (such as mover or homeowner) and demographic information about you and your home (such as estimated household income and square footage), so that the Existing Relationship Company can provide you with more relevant advertising, products and services. The Porch Group Company will not give the Existing Relationship Company any of your contact information, unique personal identifiers, or unique financial information unless for another purpose permitted in this Privacy Policy. However, the Existing Relationship Company may already have some or all of that information (because of its existing relationship with you) and they will be able to link you with the other information about you that the Porch Group Company provides to them.
Contests and Sweepstakes
When you sign up for and participate in a contest or sweepstakes, we may publicly disclose your name, company, city and state if you win.
Compliance with Laws and Policies; Protection of Rights
We may disclose your personal information if we believe disclosure is necessary to comply with any applicable law, regulation, or legal process, to cooperate with government or law enforcement, or to avoid legal liability; to resolve complaints or disputes; to investigate and resolve technical issues, security incidents, fraud, abuse, and illegal activities; if we believe your actions are inconsistent with the spirit or language of our user agreements or policies; or to protect the rights, reputation, safety and property of Floify or others.
Strategic Transactions
We may disclose personal information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business or in a bankruptcy, liquidation, dissolution or similar transaction. In the event that we or all of our assets are acquired in such a transaction, our collected information would be one of the transferred assets.
Professional Information
We do not consider business information to be personal information. Accordingly, we may share business names, owner/proprietor names, business contact information and other information with third parties for any purpose.
Categories of Personal Information Disclosed
In the last 12 months, Floify has disclosed the following categories of personal information for a business purpose to the following categories of third parties:
Category of Information | Category of Third Parties |
Identifiers |
|
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) |
|
Protected classification characteristics under California or federal law |
|
Commercial Information |
|
Internet or other similar network activity |
|
Geolocation data | None (except approximate geo-location data included in information in other categories) |
Audio, electronic, visual, thermal, olfactory, or similar information | None |
Professional or employment-related information |
|
Education Information | None (except as included in other categories) |
Biometric Information | None |
Inferences drawn from other personal information | None |
Security
We take reasonable measures, including administrative, technical, and physical safeguards, to restrict access to your personal information and help protect it from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no such measure is 100% secure.
Third-Party Websites or Services
The Properties may contain links to other third-party websites and services, either directly or through advertisements on the Properties. For example, there are a number of separate products and services offered by third parties advertised by us through the Services that may be complementary to your use of the Services. If you choose to use these separate products or services, disclose information to the third-party providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. Floify is not responsible for the content or privacy practices of websites operated by third parties, including our advertising partners and networks. We encourage you to review the privacy policies of third-party websites and services before providing any information to them.
Managing Your Personal Information
Account Information
You may access, update and correct your online account information at any time by logging into your online account and updating your preferences. If you wish to delete your online account, please email us at support@floify.com. When you request that we terminate your account, your personal information (including documents you have uploaded) will be permanently deleted from our primary production servers, further access to your account will not be possible, and we will disconnect your account from all third-party services. However, there might be some latency in deleting your information and documents from our backup servers and backup storage, which we keep to ensure our continued ability to provide the Services in the event of malfunction or damage to our primary production servers. In addition, we may retain your information as required by law or for legitimate business purposes and your personal information may be retained by third parties with whom such information has already been shared. We may also retain cached or archived copies of your information. Please note that, even if your account is deleted, information that you chose to provide in a public area of the Services (such as testimonials) will remain visible.
You may also request to access information or to update or correct inaccurate information by emailing us at support@floify.com or writing us at Floify LLC, 1630A 30th Street #120, Boulder, Colorado 80301.
If you are a borrower and wish to correct your information in your Organization’s records, please contact the Organization.
Cookies
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of the Services.
To opt out of being tracked by Google Analytics when using our web-based services, visit https://tools.google.com/dlpage/gaoptout.
Promotional Communications
Receiving promotional calls, text (SMS) messages, emails and direct mail from Floify is completely voluntary, and you may opt out at any time. To opt out of promotional communications from Floify, email us at support@floify.com. You can also opt out of receiving promotional emails by clicking the unsubscribe link in the email, and you can opt out of promotional text (SMS) messages by texting STOP. You may receive a final email or text message confirming your opt-out. Message and data rates may apply. Please allow up to 10 business days to process any opt-out request.
Please note that even if you opt out, we may still send you non-promotional communications, such as emails about site outages, your online account or service requests that you have submitted.
Communications By Third Parties
To opt out from receiving promotional communications from an Organization, a Porch Group Company or other third party, or to make requests regarding your personal information or other information held by them, you should contact them directly.
Children and Our Services
Our Services are not directed to children, and you may not use our Services if you are under the age of 18. If we learn that we have collected personal information of a child under 16, we will make commercially reasonable efforts to delete such information from our files.
State-Specific Rights
Your California Resident Privacy Rights
Under the California Consumer Privacy Act or CCPA, California residents have certain rights regarding their personal information, including:
- The right to know the categories of personal information we’ve collected about them and the categories of sources from which we got the information (see Information We Collect);
- The right to know the business purposes for which we’ve shared their personal information (see How We Use Information We Collect);
- The right to know the categories of third parties with whom we’ve shared their personal information (see How We Share Information We Collect);
- The right to access the specific pieces of personal information we’ve collected about them and to request that we delete personal information, subject to certain exceptions (see below);
- The right to opt out of the sale of their personal information (see below); and
- The right to not be discriminated against for exercising their CCPA privacy rights.
For purposes of these rights, “sold” and “business purpose” have the meanings given in the CCPA. For example, if you submit an opt-out request, you will not be opted out from transactions that the CCPA does not deem to be sales. In addition, please note that the CCPA does not require us to delete personal information that we need to maintain for certain purposes.
To exercise the access and deletion rights described above with respect to your personal information, you may submit a verifiable consumer request to us by either:
- Calling us toll free at 720.853.2966; or
- Visiting our webpage at https://floify.com/legal/ccpadatarequest.
Only you, or someone that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. We will work to respond to a consumer request within 15 business days (for opt-out requests) or 45 calendar days (for deletion and access requests) of receipt. We will not charge you a fee for making a request unless your request is excessive, repetitive, or manifestly unfounded. If we determine that your request warrants a fee, we will notify you and explain our decision before completing your request.
Your Nevada Resident Privacy Rights
If you are a resident of Nevada, you have the right to opt out of the sale of certain kinds of personal information (such as name, physical address, email address, telephone number and other personal information collected through a website) to purchasers that will then license or sell the covered information to additional persons. You can exercise this right by emailing us at help@inspectionsupport.net with the subject line “Nevada Do Not Sell Request.” Nevada law specifies various transactions that are excluded from the definition of “sale”; if you exercise this opt-out right, you will not be opted out from transactions that the law does not deem to be sales.
Retention
Floify retains personal information as long as it is needed for business or legal purposes.
Governing Law; Visitors Residing Outside the United States
Our Properties and Services are hosted and performed, and all personal data is processed, in the United States. This Privacy Policy is subject the laws of the United States of America and the State of Colorado, without regard to conflict of law principles. If you reside outside of the United States, you are responsible for complying with local laws in connection with your use of the Services, and you consent to the collection, transfer, storage, and use of your personal information in the United States in accordance with this Privacy Policy.
The laws governing processing of personal information vary depending on the jurisdiction in which you reside. To the extent the laws of your jurisdiction are different or more restrictive than the terms of this Privacy Policy, it is Floify’s policy to follow the requirements of those laws to the extent those laws are applicable to Floify’s activities or your personal information.
Data Protection Officer
Floify has appointed a data protection officer, who can be reached at privacy@floify.com.
Additional Information or Assistance
Please address comments or questions to privacy@floify.com or write to us at the address below.
Floify LLC
Attn: Data Protection Officer
1630A 30th Street #120
Boulder, Colorado 80301