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Privacy Policy

This Privacy Policy describes how Reverse Mortgage Daily (RMD) and all of it affiliate web properties (“the Service”), owned by HW Media., handles the information learned and received about consumers when consumers visit our websites, mobile sites, applications or events of if you contact us by mail, phone or email.

By visiting, using and/or submitting information to the RMD Websites, you are accepting the practices described in this Privacy Policy and the terms and conditions of RMD’s Agreement of Terms of Use and cookie policy located at:

https://develop.reversemortgagedaily.com/terms-of-service/ (the “Terms of Use”)
https://develop.reversemortgagedaily.com/cookie-policy/

Summary

We collect your data, as outlined below, by obtaining basic information of our readers in a professional context such as name, email, job title, company name, phone number to provide access to our news, events and other programming.  We honor and respect the privacy of our readers and will comply with wishes to be removed as outlined below. We will not share the data we collect with anyone unless you explicitly consent us to do so.

We use the data you provide for access to the content and events that we produce as well as use profile data to help improve our product and programming and may store and use this information to provide you updates on products or services offered by RMD that maybe useful. For specific programs, we are contractually bound to share registration data with one or more of our third-party sponsors or advertisers that help underwrite webinars, white papers, events or surveys. For these programs, we make it clear that the data you share will be provided to the specified third party. If you do not wish to have your data shared with that party, you should not participate in any such event or download any content as part of that program.

Your decision to allow us to process and store your information is optional.  However, if you fail to provide that consent, it will prevent us from delivering the content, events and other programming we offer. Any personally identifying information provided to RMD is voluntary and used to fulfill a request or to assist in servicing those requests.

How we use your information:

Some information, such as IP and your email address, may be shared with the following third parties who help us run our website and email programs. They will only use this information to serve our needs and are prohibited from using it in any other instance. They are:

Google (ad serving and website tracking)
Parsely (website tracking)
Cloudflare (security)
JobBoard.io (Job Board Services)
Hubspot (Email delivery)
EventBrite (Events)
MailChimp (Email)
Wufoo (RMD Architecture Awards)
Sumo (Email Acquisition)
Shopify (Sale of Research Reports & Recorded Webinars)

Collection of Personally Identifiable Information

Many of the features of RMD Websites are available to you without providing personally identifiable information.

Across our web platform and events, you will be presented with the opportunity to sign up for newsletters, purchase event passes, submit your information to access content such as white papers or webinars, apply for eligibility at certain events and more.

However, the following are certain situations in which RMD may collect personally identifiable information from you to access our programming that includes but is not limited to:

  • Newsletters
  • Webinars & live events
  • White Papers, E-Books, Research Reports
  • Job Board Postings
  • Awards Programs
  • Surveys

The type of information collected on those pages generally includes but is not limited to:

  • Email address
  • Name
  • Job
  • Company name
  • Company type
  • Mailing/billing address
  • Phone number
  • Credit/debit card information (We do not save this information and it will only be shared with our payment processors in order to complete the transaction in which you are attempting.)

Based on the information you provide to us, we may create or add other information to your profile in the interest of better serving you (for example, your interest in areas of business we cover). As is the case with all data we collect, this will be kept private and for our business purposes only unless specifically disclosed.

If you send RMD personal correspondence, such as emails or letters, or if other users or third parties send RMD correspondence about your activities on RMD Websites, RMD may choose to collect and maintain such information in a file specific to you.

Use of Personally Identifiable Information

RMD uses your personally identifiable information to improve and customize the advertising and content you see on the RMD Websites, to fulfill your requests for certain products and services, and, if you permit RMD or RMD’s affiliates, to contact you about special offers and new products. Your personally identifiable information may also be aggregated and used by RMD for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity, to enforce RMD’s Terms of Use, for other internal purposes, and/or as otherwise described to you at the time of collection. RMD will obtain your consent for any use of your personally identifiable information beyond the original uses for which you provided your consent.

You agree that RMD may use personal information about you to improve RMD’s marketing and promotional efforts, analyze site usage, improve RMD’s content and product offerings, customize the RMD Websites content, layout, and services, and as otherwise set forth in this Privacy Policy. You also agree that RMD may use your personal information to contact you and deliver information to you that, in some cases, is specifically targeted to you, such as targeted banner advertisements, administrative notices, product offerings, and communications relevant to your use of RMD Websites. By accepting the Terms of Use and this Privacy Policy, you expressly agree to receive this information. If you do not wish to receive this information, RMD encourages you opt out of the receipt of certain communications, as set forth below.

HW Media operates several websites related to aging and housing content and services. RMD may share personal information collected from users of its websites internally across these websites to offer products and services from time to time.

We may use personal information collected to send out sponsored, targeted email promotions on behalf of its advertisers and industry partners.

If you participate webinars, live events, award programs, we use personal information to contact you to remind you of upcoming deadlines or additional information concerning these programs and events.

RMD occasionally conducts subscriber and/or user surveys to better target our content to our audiences. The aggregated information collected is sometimes shared with our advertisers, however, we do not share specific individual information with third parties.

If you provide financial information, we use that information primarily to verify your credit and collect payments for your purchases, orders, awards entries, event registrations and other paid products.

If you post comments or articles on the site or any social media channels where RMD has a presence including but not limited to Twitter, Facebook, LinkedIn, Instagram and others; any personally identifiable information you provide in those comments or articles will be public. As such, we are not responsible for personally identifiable information that you may choose to share through these channels.

Disclosure of Personally Identifiable Information

RMD does not loan, rent or sell your personally identifiable information unless expressly disclosed and agreed upon by you prior to requesting access to our programming listed above. This is fully disclosed to you prior to registering for any information such as an e-book, white paper, event, webinar, event or other service.

However, the following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business to provide RMD services:

  • Advertisers. RMD may aggregate personally identifiable information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, in these situations, RMD does not disclose to these entities any information that could be used to identify you personally. Certain information, such as your name, email address, password, etc. are not disclosed to these third parties in a personally identifiable manner without your explicit consent.
  • Service Providers. RMD may use third parties that RMD refers to as service providers to facilitate or outsource one or more aspects of RMD’s business, product and/or service operations that RMD provides to you (e.g., technology, job boards, forums, newsletters/alerts, analytical tools, advertising campaign management). RMD may provide some of your personal information directly to these internal service providers. These service providers are subject to confidentiality agreements with RMD or other legal restrictions that prohibit their use of the information RMD provides them for any other purpose except to facilitate the specific outsourced RMD related operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the service provider may collect information directly from you. In these cases, you will be notified of the involvement of the service provider, and all additional information you provide them and their additional uses will be strictly at your discretion. If you provide additional information to a service provider directly, then their use of your personally identifiable information is governed by their applicable privacy policy.

Log Data

We may also collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“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 and other statistics.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase our Service’s functionality. These third party service providers have their own privacy policies addressing how they use such information.

Compliance With Laws

RMD may be forced to disclose personal information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, although RMD uses industry standard practices to protect your privacy, RMD does not promise, and you should not expect, that your personally identifiable information or private communications will always remain private.

Notwithstanding the foregoing, RMD reserves the right and you authorize RMD to share or disclose your personally identifiable information when RMD determines, in its sole discretion, that the disclosure of your personally identifiable information is necessary for compliance or legal reasons if:

  • You are or may be violating this Privacy Policy or RMD’s Terms of Use;
  • You are interfering with another’s rights or property, including, without limitation, RMD’s rights or property;
  • Required for judicial proceeding, court order or legal process served upon us
  • You are violating any applicable law, rule or regulation;
  • It is necessary or required by any applicable law, rule or regulation; and/or
  • It is requested by authorized federal, state or other regulatory authorities in the event of any act of terrorism or instance of local, regional or national emergency.

Business Transaction

If HW Media is involved in a merger, acquisition or asset sale, your Personal Information may be transferred as a business asset. In such cases, we will provide notice before your Personal Information is transferred and/or becomes subject to a different Privacy Policy.

Changes to Personally Identifiable Information and Use Preferences

You may, at any time, request a copy of RMD’s record of your personally identifiable information, change your personally identifiable information or use preferences, delete or opt-out of RMD’s use of your personally identifiable information by contacting RMD via any of the methods set forth below:

Telephone:  312-809-5755

Mail:

Reverse Mortgage Daily
1 S. Dearborn Street, 20th Floor
Chicago, IL 60603

Email:  privacy@reversemortgagedaily.com

If you would like to unsubscribe from our communications at any time or update your preferences for the information you desire, you may do so in the footer of any of our emails. If you would like us to delete your information entirely, or request the information we store about you, please send an email to privacy@reversemortgagedaily.com or in writing to the address above. Should you request to have your personal data erased, we will confirm the request and upon confirmation will complete the request within requisite time frames outlined by GDPR for a legitimate request. Otherwise, by continuing to interact with our emails and programs, you provide us with permission to manage and use your data as described above.

Newsletters and CAN-SPAM Act Compliance

The RMD Websites are fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (“CAN-SPAM Act”). RMD sends only verified e-mail newsletters, specifically requested by RMD subscribers. Subscriptions to RMD newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to RMD’s list.

See Cookie Policy

Security

Personally identifiable information you submit to RMD is password-protected for your privacy and security. RMD uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third-party compromises RMD security measures, RMD will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information. RMD has systems that reviews our infrastructure related to continuous security monitoring, data breaches and security incident management. We also restrict access to personal information to our staff and third parties who need to know that information in order to process it for us and that are also subject to confidentiality agreements and obligations and maybe disciplined or terminated if they fail to meet these obligations. To maintain the accuracy and cleanliness of our own data while ensuring the correct use of it, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online.

RMD Websites may include links to other third-party Web sites. Such links are not an endorsement by RMD of those Web sites and/or the products or services offered at such Web sites. Third party Web sites may have different privacy policies and RMD is not responsible for the practices of those third-party Web sites. If you click on a link to a third-party Web site, RMD encourages you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.

Children’s Privacy

Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 (“Children”).

We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a child under age 13 without verification of parental consent, we take steps to remove that information from our servers.

Data Retention

We retain your information for as long as necessary to permit us to use it for the purposes that we have communicated to you and comply with applicable laws or regulations.

Deleting Your Account

You can delete your account at any time by contacting us at privacy@reversemortgagedaily.local.  We may retain certain information as required by law or as necessary for our legitimate business purposes. All provisions of this agreement survive the termination of an account.

International Transfer

Your information, including Personal Information, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Illinois Privacy Rights

Illinois Law permits our customers who are Illinois residents to request certain information regarding our disclosure of personal information to third parties for their own direct marketing purposes. To make such a request, please write to us at:

Reverse Mortgage Daily
1 W. Monroe Street, 4th Floor
Chicago, IL 60603

Please include your name and the address to which you would like us to respond.

General data Protection Regulation (GDPR)

The General Data Protection Regulation (“GDPR”) is a European Regulation about the use and processing of personal information. We are committed to processing your information in compliance with the GDPR upon its effectiveness on May 25, 2018.

We will use reasonable efforts to securely process all personal information in line with the rights specified under the GDPR, in particular those related to the following requests:

  • Access to your personal information;
  • Correction of the personal information that we hold;
  • Deletion of your personal information;
  • A restriction of processing of your personal information;
  • Transfer of your personal information to another party; or
  • Objection to processing of your personal information based on the RMD’s legitimate interest (or those of a third party) to use it and there is something about your particular situation that causes you to object to such processing.

We hold your information and use it as described in this Privacy Policy and will use reasonable measures to ensure that your personal information is only transferred to third parties who also maintain at least the standard of protection required under the GDPR.

RMD has a legitimate interest in collecting and processing your information by providing news and data services to the industries that we cover and advancing discussions of topics related to aging and housing. This provides our lawful basis to use your personal information, within the limitations set forth herein.

The Website is published in the United States and is subject to laws of the United States. If you are located in a country outside the United States and voluntarily submit personal information to us, you thereby consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to, and/or storage of that information in, the United States. RMD shall not be liable under any circumstances for damages resulting from use of information collected from visitors to the Website.

Changes to this Privacy Policy

RMD reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information RMD collects from you online is subject only to RMD’s most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. RMD’s last update was May 24, 2018.

Your continued access and use of RMD’s Websites following the posting of any such changes shall automatically be deemed your acceptance of the same.

Questions or Concerns

If you have questions, comments, concerns or feedback regarding this Privacy Policy, please send an e-mail to feedback@housingwire.com

Governing Law; Arbitration

This Privacy Policy is to be governed by and construed in accordance with the laws of the State of Illinois, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of, or relating to, this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Cook County, Illinois. You and RMD shall select the arbitrator, and if you and RMD are unable to reach agreement on selection of the arbitrator within sixty (60) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited Five Thousand Dollars ($5,000.00) with the arbitrator as a retainer for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and RMD, and your and RMD’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or RMD be entitled to punitive, special, indirect or consequential damages, and both you and RMD hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.

Miscellaneous

If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.

All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by RMD from time to time, shall survive your acceptance of this Privacy Policy.

This Privacy Policy and the Terms of Use represent the entire understanding and agreement between you and RMD regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.