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Effective December 16, 2020

 

This website – Homecision.com – is owned and operated by Premium Security Inc. (“Company”), also known as “PSI Lending,” and “Homecision, powered by PSI Lending.” In this document, the Company may also be referred to as “PSI” or “we” or “us” or “our.”

The Company respects and protects the privacy of those who visit our website or use our tools to discover their home ownership options. To that end, when you visit our website or use our tools (our “Applications”), we may collect information from you. Our Security and Privacy guidelines will let you know how we collect, use, maintain that information and your rights to control how your information is used. 

 

Consent

By using our Applications, you are consenting to the use of information and agreeing to these guidelines, as well as any other guidelines or policies included in our Applications. We do not share your personal information with outside companies for their promotional use without your consent.

 

Child Online Privacy

Protecting the privacy of the very young is especially important. For that reason, we do not knowingly attempt to solicit, collect or maintain information through our Applications from those we know are under the age of 13, and no part of our website is structured to attract anyone under 13.

 

Information and Data Categories

Personal Identification Information

When Users visit and interact with our Applications, you may be asked for personal identification information, as appropriate, such as name, email, address, phone number, Social Security Number, credit history and credit scores, account balances and payment history. Users may, however, visit our website anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Applications related activities.

Non-Personal Identification Information

When Users visit and interact with our Applications, you may be asked for non-personal identification information, as appropriate, such as the browser name, type of computer and other technical information about how Users connect to our Applications (e.g., operating system, internet service provider, etc.).

 

Cookies

A “cookie” is a small piece of information that used to enhance your experience with our website. Our website may provide a cookie for storage on your browser while you are visiting our website for record-keeping purposes and sometimes track information about how our website is being used. When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual. A cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our website.

If you simply want to browse, you do not have to accept cookies from our website. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to reset your browser to accept the cookies that we send. Otherwise, you will not be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.

If you wish to remove the cookies that we have provided to your browser, please check your browser’s settings, and the Help section for instructions for removing cookies from your browser.

FACEBOOK AND FACEBOOK PIXEL RETARGETING

We use Facebook’s conversion tracking pixel and retargeting service(s) to monitor Users who are redirected to this Site after clicking on a Facebook Ad. This allows us to monitor our ads and their effectiveness, as well as to provide advertisements to Users for products according to their interests. Facebook explains conversion tracking here. Facebook also explains it’s use of Cookies and other storage technologies, as well as how to control Facebook’s use of Cookies here.

GOOGLE ANALYTICS

We have enabled the use of Google Analytics to collect data about our traffic using Google Advertising Cookies and other Anonymous Identifiers. We use Google Analytics Cookies and other Cookies to compile data to better understand Users and to provide Users with a better experience. You can opt-out of Google Analytics by visiting Google’s Opt-Out Browser Add-On website here. By using this Site, you agree to be bound by Google’s Terms of Service which may be found here

 

Information and Data Collection Sources

The following are examples of how we collect information and data:

  •         Information collected when you visit or register with our Applications
  •         Information you provided when obtaining a product or a service from us
  •         Information you provided when subscribing for communications and newsletters from us
  •         Information you provided when entering promotions or sweepstakes offered by us
  •         Information you provided through telephone or web-based surveys, online chat, customer service correspondence or general feedback
  •         Information you provided when applying for a position with us
  •         Information provided by third parties such as lead buy partners, data brokers and credit bureaus
  •         Information collected using web technologies

 

Information and Data Usage

We may use your information or share it with third parties for the following purposes:

  •         To improve customer service
  •         Information you provide helps us respond to your customer service requests and support needs more efficiently
  •         To personalize user experience
  •         We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site
  •         To improve our Site
  •         We may use feedback you provide to improve our products and services
  •         We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the necessary extent to provide the service
  •         Marketing (unless you have opted out)
  •         To run a promotion, contest, survey, or other Site feature
  •         To send Users information they agreed to receive about topics we think will be of interest to them
  •         To send periodic emails
  •         If the User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product, or service information, etc.

 

Sharing Your Personal Information

All financial companies, such as ours, need to share Users’ personal information to run their everyday business. Federal Law gives you the right to limit sharing of your in certain circumstances. In the grid below, we list the reasons financial companies can share their customers’ personal information; the reasons Homecision, powered by PSI Lending could choose to share; and whether you can limit (per Federal Law) this sharing.

For California residents, please reference the California Privacy Policy here.

For Nevada residents, please reference the Nevada Privacy Policy here.

 

Reasons We Could Share Your Personal Information Could We Share? Can You Limit this Sharing?
For our everyday business purpose: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes: information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes: Information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

 

Opt-Out

Personal information collected through our Applications may be used as noted above and/or shared with third parties for marketing purposes. You may opt-out of further sharing of your information for marketing purposes and/or unsubscribe from receiving future emails from us by submitting a request to info@homecision.com.

 

Sale of Data

We do not sell your data.

 

How We Protect Your Information

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Applications. We use industry-recognized security safeguards to protect your data to protect it from loss, misuse, and unauthorized changes.

 

How to Contact Us

Questions regarding this privacy statement, our online privacy policy, our information practices or other aspects of privacy on our Applications, should be directed to us by email, regular mail, or by telephone:

info@homecision.com

2625 N Green Valley Parkway

Suite 270

Henderson, NV 89014

877-612-6972.

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