Privacy Policy

Privacy Policy

As of July 1st, 2016

This Agreement sets forth the Privacy Policy that applies to your access and use of the Internet Web site and any related sites which are owned and operated by Cambridge Financial Technology and Innovation, Inc. , a Delaware corporation, (collectively and interchangeably referred to herein as “” and/or “Cambridge Financial Technology and Innovation, Inc. ”).

At, our primary goal in collecting information from you is to help you negotiate the home buying and mortgage process. We do not disclose any personally identifiable information about you to any third party without your permission, unless we believe in good faith that we are authorized or required to do so by law. This Privacy Policy describes the information we collect from users of our Services (“Users”) and how we use it. Capitalized terms used in this Privacy Policy are defined in our Terms of Service unless otherwise specified.

1. What Information Does Gather And Track?

In general, we collect information about you in the following ways:

Registration and Creating Your Account – The more information you provide (and the more accurate it is), the better we are able to customize and provide our services to suit your needs and preferences. When you register and provide information for one of Services, we may ask that you give us non-personal information. We may also ask that you give us personal information such as your name, email address, zip code, gender (optional), and your birth date, and financial information such as your income, your savings and spending on various items.

Usage Tracking/Hardware/Software – While you use any of our Services, we automatically track information related to your use of the Services. This information may include (among other things) content viewed by users and a user’s path through our Services. There is also information about your computer or mobile device hardware and software that is automatically collected by when you are using’ web site (including any mobile applications that may in the future be supported by This information can include information such as: your browser type, IP address, type of operating system, mobile device platform, type of Java Virtual Machine, internet connection speed, access times and identification of any software program or hardware which has previously caused technical problems with Services.

Technical Support/Information – If you request technical support or information for Services, we ask you for your personal information and other information necessary to answer your question or resolve your problem.

Surveys/Questionnaires – We may occasionally ask Users or visitors to fill out optional surveys and/or questionnaires. These surveys/questionnaires may ask for other information pertinent to provision of the Services.

Other Information You Give Us – When you use Services, we may collect any information that you enter or give us in any other way in order to contact you about Services. We only use this information to contact you in order to provide you with information about products and services, answer any questions that you may have, and/or help you sign up for Service of your choice.

2. What Happens to My Information After I Upload it to

Your personal and financial data are yours. You can remove them anytime you want. We will retain records and communication opt-out preferences consistent with industry best practices. When you request us to delete your account for the Services, your data will be permanently expunged from our primary production servers unless you have expressly agreed otherwise and further access to your account will not be possible. We will also promptly disconnect any connection we had established to your Account Information and delete all account credentials. However, portions of your data, consisting of aggregate data derived from your Account Information, may remain on our production servers indefinitely. Your data may also remain on a backup server or media. keeps these backups to ensure our continued ability to provide the Services to you in the event of malfunction or damage to our primary production servers. We also reserve the right to use any aggregated or anonymous data derived from or incorporating your personal information.

We may work with third parties to provide the Services as you request, including gathering or sharing financial information that you choose to enter, download or link to your account and share with a third party that you designate through the Service.

Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization or other transfer (a “Transfer”) involving and/or Cambridge Financial Technology and Innovation, Inc. specifically reserves the right to transfer personal information to a third party in connection with a Transfer. Should such a Transfer occur, we will request that the new combined entity follow this Privacy Policy with respect to your personal information, as and to the extent required by applicable law and to require that you receive prior notice if your personal information could be used contrary to this Policy.

3. How does use my information? uses your information on an aggregated basis to do such things as operate and enhance our Services. We statistically analyze site usage, including the behavior of our Users, to improve the content, layout, and services of web site.

We may share aggregate, non-personally identifiable information about our Users with third parties, such as our partners or the general public, for educational, research, marketing and promotional purposes.

We may also share individualized data regarding Users with our outside advisors, such as data listing Users as separate line items in a database. In these cases we anonymize all User data so that no User can be personally identified from the data provided .

Finally, we may use the information we collect to occasionally notify you about important functionality changes to the web site or new Services, we think you will find valuable. Except for communications sent to you regarding material company announcements or policy changes, if you would rather not receive this information you can indicate your preference in your account. We also comply with the Federal CAN-SPAM act by providing one-click opt out from commercial emails.

4. Does Share User Account Information?

Except as otherwise contemplated in this Privacy Policy, will not disclose any of your personal information without your permission unless authorized by law to do so.

Lenders and Other Service Providers – You may choose to share your personal and financial information with, counselors, mortgage lenders and other service providers in order to seek guidance and/or solicit a preliminary or actual offer for financial services or other services or products from such lender or provider. Once you request consent to sharing your data and information for such purposes and such information is shared, it will no longer be under our control and subject only to the lender or provider’s privacy policy if any. has no responsibility or liability for these independent policies. You are responsible for ascertaining and determining that such policy(s) are acceptable to you prior to consenting to the transfer of your data.

Agents – We may employ other companies and individuals who are subject to confidentiality obligations, to perform functions on our behalf. Examples include, but are not limited to, sending postal mail and email, removing repetitive information from customer lists, gathering financial account information, analyzing data, providing marketing assistance and providing customer service. They may have access to personal information needed to perform their functions, but may not use it for other purposes.

Legally Compelled Disclosure and Other – may disclose or access account information when we believe in good faith that the law requires it or for the protection of our legal rights. may also disclose information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating the Terms Of Use. We can disclose any personal information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with a violation of the Terms Of Use, an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.

6. How secure is my account information? makes reasonable efforts to protect against the loss, misuse, and alteration of the information under our control. However, no data transmission over the Internet or data storage can be guaranteed to be 100% secure and security breaches have occurred regularly in recent years at many companies.

Our servers are in a secure facility. Access requires multiple levels of authentication procedures. Security personnel monitor the system 7 days a week, 24 hours a day. Our databases and your information are protected from general employee access.

Your account is password-protected so only you and those you designate can access it and view the user information relevant to your account. We encrypt your Services password so that your password cannot be recovered, even by us (provided that if you forget your password we may email you a new temporary password). Ultimately, you are responsible for maintaining the secrecy of your passwords and any account information. Remember to log out of your account and close your browser window when you are done. This ensures that others cannot access your personal information if your computer is accessible to others.

7. How Do I Opt Out Of Receiving Messages From

Except as otherwise contemplated in this Privacy Policy if you do not want to receive messages from about new features or products, tips on product use, and promotions, you can opt out by clicking the appropriate link in any such message.

Since it is necessary for us to contact you regarding certain matters, you may not opt-out of receiving messages relating to material company announcements or policy changes, or administrative matters relating to your account, like billing, collections, customer support or the like.

If you provided your personal information to for the purposes of receiving more information about a Service before choosing to sign up as a User, and you no longer want to be contacted by, you can click on the “unsubscribe” link at the bottom of any email you receive and will remove you from the list of those who will be contacted with more information about service.

8. What Are Cookies And How Does Use Them?

Cookies are small pieces of information stored on your phone or hard drive, not on our site. The use of cookies is an industry standard, generally used by most major Web sites to improve their services. uses cookies because they allow us to store your password without your having to constantly re-enter it. Cookies can also help us track your behavior on our site so that we can tailor our marketing message to better match your needs and interests. Finally, by tracking behavior on our site, cookies allow us to better understand how users use our Services, which in turn helps us focus our resources on features that are most popular with our users. You are always free to decline our cookies if your browser permits, but some parts of our Services may not work properly if you do so.

9. How Does Notify Users Of Changes To The Privacy Policy?

This policy is periodically reviewed by and may be subject to change. Therefore, please check this Privacy Policy periodically and you may refer to the date posted at the top of this page to determine when this policy was last updated. Use of the Services constitutes consent to any policies then in effect.

If we are going to use your personally identifiable information in a manner different from that as provided in our Privacy Policy at the time of collection we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Services notifying users of the change. In some cases where we post the notice we will also email users who have opted to receive communications from us, notifying them of the changes in our privacy practices.

10. and Children. is not intended for anyone under the age of 18. We do not knowingly collect personal information from children. Please do not use if you are under the age of 18. If you have questions regarding this policy or to report use of by a person under the age of 18 please send an email describing the situation to