Last updated: 02/12/2020
Spirit Mortgage operates the https://www.spiritmortgage.net/ (the “Site”). This page informs you of our policies regarding the collection, use and disclosure of personal data Spirit Mortgage receives from users of https://www.spiritmortgage.net/ and the choices you have associated with that data.
Site is the https://www.spiritmortgage.net/ website operated by Spirit Mortgage.
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in Spirit Mortgage’s possession or likely to come into Spirit Mortgage’s possession.)
Usage Data is data collected automatically either generated by the use of https://www.spiritmortgage.net/ or from https://www.spiritmortgage.net/'s infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
Information Collection and Use
Spirit Mortgage collects several different types of information for various purposes to provide and improve our Site for you.
Types of Data Collected
While using our site, Spirit Mortgage may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
• Email address
• First & Last Name
• Phone Number,
• Address, State, Province, ZIP/postal code, City
Cookies and Usage Data
Spirit Mortgage may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from Spirit Mortgage by following the unsubscribe link or the instructions provided in any email we send.
Spirit Mortgage may also collect information on how the Site is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with a 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. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Site.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
Examples of cookies Spirit Mortgage uses:
• Spirit Mortgage uses Session Cookies to operate our Site.
• Spirit Mortgage uses Preference Cookies to remember your preferences and various settings.
• Spirit Mortgage uses Security Cookies for security purposes.
Use of Data
Spirit Mortgage uses the collected data for various purposes:
• To provide and maintain our Site
• To notify you about changes to our Site
• To allow you to participate in interactive features of our Site when you choose to do so
• To provide customer support
• To gather analysis or valuable information so that Spirit Mortgage can improve our Site
• To monitor the usage of our Site
• To detect, prevent and address technical issues
• To provide you with news, special offers and general information about other goods, services and events which Spirit Mortgage offers that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
Transfer of Data
Your information, including Personal Data, 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 from those of your jurisdiction.
If you are located outside the United States and choose to provide information to Spirit Mortgage, please note that Spirit Mortgage transfers the data, including Personal Data, to the United States and processes it there.
Disclosure of Data
Disclosure for Law Enforcement
Under certain circumstances, Spirit Mortgage may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Spirit Mortgage may disclose your Personal Data in the good faith belief that such action is necessary to:
• To comply with a legal obligation
• To protect and defend the rights or property of Spirit Mortgage
• To prevent or investigate possible wrongdoing in connection with https://www.spiritmortgage.net/
• To protect the personal safety of users of https://www.spiritmortgage.net/ or the public
• To protect against legal liability
Security of Data
The security of your data is important to Spirit Mortgage but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While Spirit Mortgage strives to use commercially acceptable means to protect your Personal Data, Spirit Mortgage cannot guarantee its absolute security.
Spirit Mortgage may employ third party companies and individuals to facilitate our Site ("Service Providers"), provide services on the Site on Spirit Mortgage’s behalf, perform Site-related services or assist Spirit Mortgage in analyzing how our Site is used.
These third parties have access to your Personal Data only to perform these tasks on Spirit Mortgage’s behalf and are obligated not to disclose or use it for any other purpose.
Spirit Mortgage may use third-party Service Providers to monitor and analyze the use of our Site.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Site. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
Bing Ads Remarketing
Bing Ads remarketing service is provided by Microsoft Inc.
You can opt-out of Bing Ads interest-based ads by following their instructions:
Perfect Audience Remarketing
Perfect Audience remarketing service is provided by Perfect Audience, a Marin Software Company.
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page:
To opt-out from Facebook's interest-based ads, follow these instructions from Facebook:
Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the US: http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation.
Links to Other Sites
Spirit Mortgage has no control over and assumes no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Site does not address anyone under the age of 18 ("Children").
Spirit Mortgage does 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 Child has provided us with Personal Data, please contact us. If Spirit Mortgage becomes aware that we have collected Personal Data from children without verification of parental consent, we will take steps to remove that information from our servers.
Contact Spirit Mortgage
By mail: 6604 Frankford Avenue
Lubbock, TX 79424