THE SERVICE COLLECTS YOUR INFORMATION
We collect the following information from you.
- First, middle, and last name, including suffixes (Sr. Jr, PhD., etc.) if any,
- address(es), email address(es) and phone number(s),
- date of birth and age,
- social security number, taxpayer number, and driver’s license number,
- financial net worth, holdings, transactions, statements, confirmations, banking information, and investment objectives,
- occupation, employer, and income,
- citizenship and residency status and
- cookies and usage data.
We collect Personal Information when you:
- register to use the Service,
- use the Service and
- communicate with us.
We may collect information about you from third parties.
DURING ACCOUNT REGISTRATION AND MANAGEMENT
You will need to create an account to use parts of the Service. For basic registration, you may need to provide personal information, such as your name, email address and password. To use certain Service functionality, you also will need provide additional personal information, such as your address, date of birth, driver’s license number, social security number, employer information, citizenship, bank account information, financial information, investment activity, account balance and account history (together “Personal Information”).
USING THE SERVICE
We collect the information, including Personal Information, you post to the Service as you use it, such as investment choices, survey answers, and communications with other users.
THROUGH CUSTOMER SERVICE REQUESTS
We may collect Personal Information, such as your name and email address, from you when you request more information about the Service. We may also collect Personal Information through your communications with our customer-support team.
FROM THIRD PARTIES
We may collect information from our vendors and service providers who provide the Service functionality and other services for us. For example, we may collect information about your account profile and investment activity from the vendors we use to provide the Service functionality. We may obtain information from third parties, such as consumer reporting agencies, to verify the information you provide and determine whether you qualify to use certain parts of the Service. For example, we may use fraud-screening services to verify that your provided information matches the bank account information on file with the bank. We may also collect your credit history and credit score from consumer reporting agencies.
USING COOKIES, AUTOMATIC DATA COLLECTION, AND RELATED TECHNOLOGIES
We may collect information on how the Service is access and used (“usage data”). Usage data may include information such as your computer’s internet protocol address (“IP address”), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. We also collect information, such as anonymous usage statistics, by using cookies, server logs and other similar technology as you use the Service. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do that, the Service may not work properly.
By using the Service, you are authorizing us to gather, parse and retain data related to the provision of the Service.
HOW REALTO USES YOUR INFORMATION
We use your personal information to
- facilitate and improve our services,
- satisfy legal and regulatory requirements,
- validate the information you provide to use,
- detect, prevent, and address technical issues and
- communicate with you.
We may use aggregate information for any purpose.
INTERNAL AND SERVICE-RELATED USAGE
We use information, including Personal Information, for internal and service-related purposes and may provide it to third parties to allow us to facilitate the Service. We may use and retain any data we collect to provide and improve our services.
INFORMATION VALIDATION AND ASSESSMENT
We may use the information you provide to assess its accuracy and your financial condition, including by performing credit checks.
We may send mail to the address, email to the email address, or call you at the telephone number you provide to us for informational and operational purposes, such as to provide updates about the Service and perform customer service.
We may use information, including Personal Information, to provide online advertising on the Service from us and our affiliates and to facilitate transmittal of information we think may be useful or relevant to you.
We may allow access to other data collected by the Service to enable the delivery of online advertising on or off this Service or to otherwise facilitate transmittal of information we think may be useful or relevant to you.
We may anonymize and aggregate data collected through the Service and use it for any purpose.
REALTO MAY DISCLOSE YOUR INFORMATION
We will share your information:
- with our third-party service providers,
- for fraud and misconduct prevention,
- to comply with legal obligations,
- to protect and defend our rights and property and
- with your permission.
We do not rent, sell, or share Personal Information about you with other people or nonaffiliated companies for their direct marketing purposes, unless we have your permission or pursuant to a joint marketing agreement with a financial institution.
WE USE VENDORS AND SERVICE PROVIDERS
We will share any information we receive with vendors and service providers retained in connection with the provision of the Service, including third parties that service, maintain, or process transactions and accounts and perform financing, insuring, sale, securitization, assignment, marketing, or other transfers of assets. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
FRAUD AND MISCONDUCT PREVENTION
To protect you and us from fraud or other misconduct and to validate the information you have provided to us, we may share information about you with third parties, such as consumer reporting agencies and information verification services, to verify the information you provide. We also may report any debit balance or negative credit information pertaining to your account with consumer and securities credit reporting agencies.
We may share any information, including Personal Information, with affiliates and subsidiaries, as permitted by law or with your consent.
AS REQUIRED BY LAW AND SIMILAR DISCLOSURES
We will access, preserve, and disclose your Personal Information, other account information, and content if we believe doing so is required or appropriate to: comply with law enforcement requests and legal process, such as a court order or subpoena, respond to your requests, or protect your, our or others’ rights, property or safety.
EUROPEAN UNION’S GDPR RIGHTS
Residents of the European Union have rights afforded to them by The General Data Protection Regulation (“GDPR”). These rights include:
- The right to be informed – To understand how the personal data you provide to us is used.
- The right to access – To a copy of your personal data that we have and use.
- The right to rectification – To correct any inaccurate or incomplete personal data.
- The right to erasure – To erasure your personal data when there is no compelling reason for us to continue to have it.
- The right to restrict processing – To restrict the use of your personal data when there is no compelling reason for use to continue to use it.
- The right to data portability – To have your personal data available to you in a machine-readable, transportable format.
- The right to object – To object to direct marketing.
- Rights related to automated decision and profiling – To have decisions made by a human.
For more information about your rights under GDPR, or for a copy of the Record of Processing Activities, please reach out to us through the contact information provided at the bottom of the page. We will not charge you for you exercising your rights under GDPR.
MERGER, SALE OR OTHER ASSET TRANSFERS
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of Realto’s assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction as permitted by law and/or contract. We cannot control how such entities may use or disclose such information.
We may also disclose your Personal Information with your permission.
YOU MAY LIMIT OUR INFORMATION SHARING
You may prevent us from sharing the Personal Information we have collected about you with non-affiliated third parties in certain circumstances. You may not limit the sharing of Personal Information for the purposes of providing the Service, our everyday business purposes, our own marketing, or for joint marketing efforts with other financial companies.
Under the law, you may opt out of our sharing of the Personal Information that we have obtained from third parties, such as your credit reports, with our affiliates, but you may not opt out of our sharing of information we collect related to your transactions and experiences using the Service. You may also opt out of our sharing of Personal Information about you to affiliates and non-affiliates so that they can market to you. We do not currently share the information as described in this paragraph with affiliates or non-affiliates. Therefore, there is no need at this time for you to opt out or take any other steps to prevent such sharing.
We are required to keep different types of information for varying periods of time according to government regulations and best practices. For example, to comply with regulations imposed by the U.S. Securities and Exchange Commission, we may need to keep information for three to six years. We may keep some information longer to meet our needs and those of our customers, even after you close your account.
By using the Service or providing Personal Information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Service. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Service or sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at firstname.lastname@example.org.
Our Service does not address anyone under the age of 18 (“Children“). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian, and you are aware that your Children have 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.
UPDATE YOUR INFORMATION OR POSE A QUESTION OR SUGGESTION
NEW USES OF PERSONAL INFORMATION
FOR CALIFORNIA RESIDENTS
The California Consumer Privacy Act of 2018 (“CCPA”), grants, commencing on January 1, 2020, a California resident (“Consumer”) various rights with regard to personal information relating to that Consumer that is held by a business, including the right to request a business to delete any personal information about the Consumer collected by the business, and requires the business to comply with a verifiable Consumer request to that effect.
A Consumer will have the right to request that Realto disclose to that Consumer the categories and specific pieces of personal information the registered Realto entity has collected. Such disclosure must be made only upon the receipt of a verifiable Consumer request.
A Consumer shall have the right to request that Realto delete any personal information about the Consumer which Realto has collected from the Consumer. Upon receipt of a verifiable Consumer request from a consumer to delete the Consumer’s personal information, Realto shall delete the Consumer’s personal information from its records and direct any service providers to delete the Consumer’s personal information from their records, unless otherwise restricted by applicable law.
A Consumer shall have the right to request that a business that collects personal information about the Consumer disclose to the Consumer the following:
- The categories of personal information it has collected about that Consumer.
- The categories of sources from which the personal information is collected.
- The business or commercial purpose for collecting or selling personal information.
- The categories of third parties with whom the business shares personal information.
- The specific pieces of personal information it has collected about that Consumer.
Realto, Inc. and Realto Securities, LLC
10870 Benson Drive,
Overland Park, KS 66210 Ste. 2120