Revised: May 1, 2016
1. Information We Collect
We collect information that personally identifies you, such as your name, address, phone number, e-mail, information you submit for inquiries, such as loan inquiries, information you submit through loan applications, and other personally identifiable information that you choose to provide us with You may be asked to provide us with Personal Information when you register with the Site or use any of our Services, and at other times.
We may also collect Personal Information from the following sources:
Social media websites and services;
Personal financial statements;
Searches on google.com;
Client events, including webcasts; and
The decision to provide Personal Information to us is optional; however, if you choose not to provide the requested information, you may not be able to use some or all of the features of the Site or Services.
Usage Data and Site Activity
We automatically collect information regarding the actions you take on the Site ("Usage Data"). For example, each time you use the Site we automatically collect the type of web browser you use, your operating system, your Internet Service Provider, your IP address, the pages you view, and the time and duration of your visits to the Site. We use this information to help us understand how people use the Site and Services, and to enhance the services we offer.
Cookies and Other Tracking Technologies
Most web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. Certain features of the Site or Services may not work if you delete or disable cookies. Some of our Service Providers may use their own cookies or other tracking technologies in connection with the services they perform on our behalf.
2. How We Use Information and When We May Share and Disclose Information Generally
We may share your Personal Information with the following entities to provide services that you request:
Private and public funds;
Fannie Mae, Freddie Mac, and HUD;
Other third party vendors; and
Blue Sky sales agents.
3. Service Providers
From time to time, we may establish a business relationship with other businesses whom we believe to be trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, data storage and management, and marketing and promotions. We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices appropriate to the nature of the information involved in order to protect your Personal Information from unauthorized access, use, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by Blue Sky.
4. Access to Personal Information and Retention of Your Personal Information
5. Other Transfers
We do not sell or rent personal information about our users for marketing purposes. We do, however, share your personal information with our trusted partners who perform vital functions with respect to our services.
6. Compliance with Laws and Law Enforcement
Blue Sky cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information and any other information about you to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property, or rights of Blue Sky or of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.
We maintain physical, electronic, and procedural safeguards to protect the confidentiality and security of information transmitted to us. However, no data transmission over the Internet or other network can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Site or Services, we cannot and do not guarantee the security of any information you transmit on or through the Site or Services, and you do so at your own risk.
8. Links To Other Websites
9. Children's Privacy
The Site and Services are intended for users who are 18 years old or older. We do not knowingly collect Personal Information from children under the age of 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, we will delete such information from our records.
10. Processing in the United States and Elsewhere
Please be aware that your Personal Information and communications may be transferred to and maintained on servers or databases located outside your state, province, or country. If you are located outside of the United States, please be advised that we process and store information in the United States, The laws in the United States may not be as protective of your privacy as those in your location. By using the Site or Services, you agree that the collection, use, transfer, and disclosure of your Personal Information and communications will be governed by the applicable laws in the United States.