Effective Date: March 8th, 2024
Introduction
We, The Barry Team , operate www.tbtloans.com (the “Website”). Your privacy is important to us, and we are committed to protecting it in accordance with the General Data Protection Regulation (“GDPR”) and other relevant privacy laws.
This Privacy Policy sets forth our policy with respect to information, including personal data, that is collected from visitors to the Website.
By using the Website, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use the Website.
We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services.
What Information We Collect From You
We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer’s name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
Links to Other Web Sites
The Site may contain links to Web sites owned by third parties. If you link to any such Web site, any information you disclose on that site is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others. Any Site link to a Web site owned by a third party does not constitute an endorsement, approval, association, sponsorship or affiliation with the linked site unless specifically stated.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.
Updating or Deleting Your Information, Including Demographic and Profile Data
You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.
Demographic and Profile Data
We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.
Security of Information
We take reasonable measures to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.
Your Rights
- Under the GDPR, you have certain rights with respect to your personal data, including:
- The right to access your personal data.
- The right to request the correction or deletion of your personal data.
- The right to request that we restrict processing of your personal data.
- The right to object to the processing of your personal data.
- The right to data portability, which allows you to receive your personal data in a format that is usable for you.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
Introduction
This Cookies Policy is an integral part of the legal texts and the Privacy Policy of the website https://www.tbtloans.com Access to the footer navigation where you can revoke or edit your compliance with the policy, as well as acceptance of the banner corresponding to cookies and their configuration, implies acceptance of the terms and conditions contained in this Cookies Policy.
In order to facilitate browsing the Website, The Barry Team informs you that it uses cookies or other files with similar functionality (hereinafter, the “cookies”).
In any case, we inform you that The Barry Team is responsible for said Cookies and for the treatment of the data obtained through them, deciding on the purpose, content, and use of the treatment of the information collected. In addition, this Website does not install our Cookies on Users’ devices until they have accepted their installation.
What Is Meant By A Cookie?
Cookies are files that contain small amounts of information that are downloaded to the user’s device when they visit a web page or an application, only associating themselves with an anonymous user and their device, and sometimes providing evidence that allows access to the user’s personal data.
Cookies are essential for the functioning of the Internet, their primary purpose is to recognize the user each time they access the Website, allowing, in addition to improving quality, offering better use of both environments, personalizing the services offered on this, and offering the user information that is of interest to them or that may be of interest to them, based on the use made of them. In any case, the user may access the configuration of their browser to modify and/or block the installation of Cookies sent from the Website, without this preventing access to the contents.
Use Of Cookies By The Company
Users expressly authorize the use of this information for the purposes indicated, through the channels provided for this purpose on the Website, without prejudice to their right to reject, disable or configure the use of Cookies. If Cookies are disabled or rejected, browsing the Website may not be optimal and some of the available utilities may not work properly.
Specifically, The Barry Team is using Cookies for the purposes set out below. If The Barry Team uses other Cookies in the future for the purpose of providing more and better services, the user will be informed of this.
The installation of these Cookies on the user’s device will always occur after the collection of consent and/or configuration of these.
This Cookies Policy provides general information on all the Cookies used on the Website. However, for information purposes for the user, the Cookies that are necessary for the operation of the Website will be activated by default and maybe, where appropriate, deactivated and rejected by the user, always in compliance with current regulations.
Types And Purposes Of The Cookies Used
Own and third-party cookies are used on the Website. According to the entity that manages the data obtained through Cookies, they are grouped as follows:
- Own: Those that are sent to the editor itself that provides the service requested by the user.
- From third parties: They are not managed by the editor, but by a third party who is the one who manages the data obtained through Cookies.
Depending on your permanence:
- Session: they remain during access and navigation on the site, they are deleted once the user leaves the Website.
- Permanent: They remain stored in the terminal and can be accessed and processed for a period of time defined by the person responsible for the Cookie.
Cookies Used On The Website
The Cookies used by The Barry Team are its own and third-party cookies.
Necessary cookies
They are those cookies considered essential for browsing both environments, as they make it easier for the user to use their features or tools, such as, for example, identifying the session, accessing restricted access parts, and guaranteeing browsing safety. Without these cookies, the functions mentioned above would be disabled.
In this sense, The Barry Team uses these own cookies for the following purposes:
- Identify the user’s session to keep it active during navigation.
- Identify the user’s session to avoid possible attacks and request forgery.
- Identify the user’s cookie settings.
- Identify the server used by the user.
- Configuring web firewall security.
- Verify the connection with the servers (in these cases these cookies may be from third parties, but they will always have the purpose described).
- Optimize response time on the web with the cache function.
Analytical cookies
These cookies are used to analyze the user’s navigation through the Website, as well as to make an accounting of these. Some of these cookies identify the user, while others only use aggregated data.
To modify or revoke consent to the policy mentioned above please visit the link in the footer labeled “revoke consent” to disable or modify consent.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded Content From Other Websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who We Share Your Data With
If you request a password reset, your IP address will be included in the reset email.
How Long We Retain Your Data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What Rights You Have Over Your Data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where Your Data Is Sent
Visitor comments may be checked through an automated spam detection service.
Who we are
Our website address is: https://tbtloans.com.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Visitor comments may be checked through an automated spam detection service.