Online and Mobile Privacy Notice

• How we collect personal information when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties.
• How we may use or share personal information collected to deliver products and services to you and for advertising or event management purposes.

By using our Websites and Mobile Applications (“Online Services”), you agree to the terms and conditions of this Notice. The Online Services covered by this Notice are intended for a U.S. audience. If you visit or use one of our Online Services, your information may be transferred, stored or processed in the U.S.

Atlantic Bay Mortgage Group works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider websites or mobile applications, please review the online privacy practices of that site or mobile app to understand the specifics of how your online personal information may be collected, used and shared.

If you are a potential, current, or former customer, read our (https://www.atlanticbay.com/privacy-policy/) to understand additional privacy practices that may apply to you. This includes how we may share information with affiliates and third parties.

When you use our Online Services, we may collect certain personally identifiable information (Personal Data), this includes, but it is not limited to:

• Your browser type
• Your Internet Protocol (“IP”) address
• Website analytics information such as pages visited and average time spent on a particular page
• Search engine traffic referral information
• Responses to advertisements and promotions
• Personal information submitted on applications and forms. Types of personal information typically include:
  • Name
  • Social Security number
  • Driver’s license number or other government-issued ID
  • Address
  • Email
  • Telephone number
  • Account numbers and account information
  • Usernames
  • Communication preferences (such as email or text messages)

We collect Personal Data in order to provide our services to you, to fulfill regulatory requirements, to analyze our site usage, and to carry out other day to day business operations. We may also use your Personal Data to contact you through digital advertising or marketing related campaigns.

We only use personal information that we have about you when we have a legal basis to use such personal information under applicable data protection laws.

When you visit our website or other online services such as an online application, we may use online tracking tools as described below.

• Cookies – Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively, and to personalize/customize your online experience. Advertising cookies are technologies that may be used to deliver advertisements that may be relevant to you and your interest. We may also contract with third parties to track user activity on our website. You can choose to block or disable these cookies as most devices and browsers offer their own privacy settings. Doing so, however, may result in diminished performance on our site.
• Marketing pixels, web beacons, clear GIFs, session replay, or other technologies –This technology may be placed on certain pages of our website, applications, emails, and other marketing initiatives. For example, we may collect information about the pages you view, how much time you spend on a page, and how you reached us.
• Third-party plugins - Our Online Services may include plugins from other companies. These plugins may collect information, such as information about the pages you visit, and disclose it to the company that created the plugin. Third party plugins are governed by the privacy policies of the company that created the plugin.
• SDK and Mobile Advertising IDs - Our mobile applications may include third-party development kits (“SDKs”) that allow us and our service providers to collect information about your mobile activity. Some mobile devices have a resettable advertising ID (e.g., Apple IDFA and Google’s Advertising ID) that allows us and our service providers to identify your mobile device for advertising purposes.

Managing cookies is domain and browser specific. You can manage our use of certain types of cookies on the website banner or cookie icon. The toggle indicator positioned to the right accepts the category of cookies selected, whereas the toggle indicator positioned to the left rejects the category of cookies selected. Your preference applies to this domain and the browser you are currently using. It does not apply to different browsers. If you visit this domain using a different browser or delete your browser cookies, you will need to exercise your preference again.

We share your information in different ways as permitted and required by law. For example, we may share your information with:

• Our Affiliates to provide a product or service or to market to you.
• Service providers that provide various services to us, such as those we use to help detect and prevent fraud, and to better market and advertise our services to you.
• Credit reporting agencies to report on or learn about your financial circumstances and as permitted by law.
• Government entities and other third parties as needed for legal or similar purposes, such as:
  • To respond to requests from our regulators
  • To respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process
  • To facilitate a merger, acquisition, sale, or other disposition of some or all of our assets
  • To exercise or defend legal claims

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws and regulations.

We collect personal information about you that we may share or use with others to help us serve you, including to better market our different products and services. But you can control some of the ways we share and use your information. To opt out of information sharing (to the extent applicable, per the Gramm-Leach-Bliley Act) click the link below: https://www.atlanticbay.com/opt-out/

Our Online Services do not address anyone under the age of 18 (“Child” or “Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and know that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

• Your wireless carrier’s standard messaging rates apply to SMS correspondence. Atlantic Bay Mortgage Group does not charge for any content; however downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your Wireless Carrier.
• You represent that you are the owner or authorized user of the wireless device you use to receive the service and that you are authorized to approve the applicable charges.
• We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an as is, as available basis.
• Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier’s name, and the date, time, and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop, and improve the service. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message, or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information, as necessary, to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. By completing forms online or otherwise providing information in connection with the service, you agree that all information you submit will be accurate, complete, and truthful.
• We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate the service to you if we believe you are in breach of our terms and conditions. Your service is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the service at any time.
• If you have any questions, e-mail legal@atlanticbay.com. To rescind consent at any time, you may simply reply via text with STOP or visit https://www.atlanticbay.com/opt-out/ to be opted out of further SMS communications.