Our website does not collect personally identifiable information about individuals except when such individuals specifically provide such information on a voluntary basis, such as when joining the network, customer login, user login (collectively “registering”) at our website or contacting us through our website. VRM uses such information collected primarily to provide better service to our customers and vendors, to comply with our legal obligations, to operate and grow our business, to improve and customize the content you see, to provide the products, services or membership benefits you request, and to contact you about special promotions and new products. This website is primarily designed for commercial users and is not intended for personal, family or household purposes.
VRM may collect the IP addresses of visitors to our site. This information may be aggregated to measure the number of visits, average time spent on the site, pages viewed, etc. VRM may use this information to measure the use of our site and to improve the content we offer. We may share with third parties this experiential information or other data which does not personally identify visitors to our site.
You are not required to register in order to access our site. Certain portions of our site may be restricted to registered users. Any information you provide is voluntary. If you register on the site we may collect your contact information, i.e. your name, address, birth date, email address, telephone number and other information you provide to us about yourself. You agree to provide accurate and current information and to update that information as appropriate and you will update it as necessary.
Prospective independent contractor vendors, including appraisers, real estate agents and brokers, or other professionals may submit information to apply to become a vendor by visiting the “Join Our Vendor Network” page, which may be operated by an authorized vendor. Information collected may include name, address, telephone and fax numbers, email address, education history, resume, copy of current state license/certification, insurance and workers’ compensation coverage, military service, immigration status and employment history, women and minority-owned status, or other information.
You may be given the option to make payment through this site. We may use a third-party payment processor for this purpose, in which case your information is either submitted directly to the payment processor or is transferred by us to the payment processor.
You also may have the ability to accept or decline cookies on your device. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website or have some of our services, being automatically recognized as a registered user, function properly.
We do not currently employ technology to respond to do-not-track signals from your browser.
By providing your email address you agree to receive communications from us and our affiliates related to the commercial relationship and transaction, including industry news and information and/or programs of interest or marketing material, employment opportunities, vendor opportunities, professional offerings, or responses to your inquiries. To unsubscribe from promotional emails, follow the instructions in the email.
Registered users have the ability to update their information by accessing their account. You have the right to access and update your personal information submitted to us. You may access your information at any time to add, change or delete certain profile information by simply logging in.
Because of the nature of our business, our products and services are not designed to appeal to minors, and therefore we do not knowingly attempt to solicit or receive any information from children under 18. If we have reason to believe that information is being provided by a person under the age of 18 we will not collect the information.
You should be aware that information sent to us using this website may not be secure in transmission. While we take steps to protect your personal information and keep it secure, you also play a role in protecting your information. You can help to maintain the security of your online transactions by not sharing your password with anyone. If we receive instructions using your log-in information and password we will assume that the instructions have been authorized by you. VRM cannot guaranty the security of any information you transmit to us or from our site, and therefore you use our site at your own risk.
A. Your California Privacy Rights (Shine the Light Act) We may share your personal information with third parties for their direct marketing purposes. California residents with an established business relationship with us are permitted by California law to request once a year information about the manner in which we shared certain categories of information with others for their marketing purposes during the prior calendar year. Please email us at CCPA@vrmlending.com to request this disclosure.
B. California Privacy Rights Act (“CPRA”) Notice
The CPRA provides verified California residents with the following rights regarding their personal information. For purposes of the CRPA personal information means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.
Limit Processing of Sensitive Personal Information. You have the right to tell us not to process or disclose Sensitive Personal Information for any purpose other than the purposes disclosed at or before the time we originally collected it.
Making CPRA Requests and Our Responses
You may also opt out by activating a user-enabled global privacy control, such as a browser plug-in or privacy setting, device setting, or other mechanism, that communicates or signals your choice to opt-out of the sale and sharing of personal information. When we receive such a signal we will stop setting third party, analytics, or advertising partner cookies on your browser. This will prevent the sale or sharing of information relating to that specific device through cookies to our advertising or analytics partners. This option does not stop all sales or sharing of your information because we cannot match your device’s identification or internet protocol address with your personally identifiable information like your name, phone number, email address or ZIP Code. If you delete cookies on your browser, any prior do not sell or do not share signal is also deleted and you should make sure that your user-enabled setting is always activated.
We will not discriminate against you as a result of your exercise of any of these rights.
Using an Authorized Agent. You may submit a request through someone holding a formal Power of Attorney. Otherwise, you may submit a request using an authorized agent only if (1) you provide the authorized agent with written permission to make a request and (2) you verify your own identity directly with us. We will require the agent to submit proof to us that they have been authorized to make requests on your behalf.
Information Collected, Sources, and Business Purpose for Collection
During the past 12 months, we have collected the following categories of information from the listed sources, used it for the listed business purposes and shared it with the listed categories of third parties. The categories of information include information we collect from our website visitors, registered users, employees, vendors, suppliers and any other person that interacts with us either online or offline. Not all information is collected about all individuals. For instance, we may collect different information from applicants for employment or from vendors or from customers.
|#||Category of Information collected||Source||Business purposes for use may include*||Categories of third parties receiving information|
|1||Identifiers (such as name, alias, postal address, email address, phone number, fax number, account name, Social Security number, driver’s license number, passport number, unique personal identifier, IP address, government issued ID, or similar identifier)||Individuals submitting information to us; information we automatically collect from site visitors; information we may receive from third-party marketing and data partners.||Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as payment processors, mail houses, marketing service providers, shipping service providers, employee benefits administrators); affiliated companies; government agencies; law enforcement; strategically aligned businesses;|
|2||Sensitive Information (such as name with financial account, medical, health, and health insurance information, user name and password)||Individuals submitting information; employment applications; employees.||Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as payment processors, employee benefits administrators).|
|3||Protected classification information (such as race, color, religion, physical disability, mental disability, veteran status, military status, or any other basis for protected status)||Individuals submitting information.||Employee and vendor administration reporting and supporting diversity and inclusion goals; qualification for minority owned status; performing services for you; legal compliance, quality control.||Service providers (such as employee benefits administrators, diversity and inclusion service providers); employee and vendor service providers; government agencies|
|4||Commercial information (such as financial account and loan information, transaction history, insurance policies, products/services purchased, obtained or considered, product preference)||Individuals submitting information; information we automatically collect from site visitors; information we may receive from third-party marketing or data partners.||Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services to you; internal research and development; quality control.||Service providers (such as payment processors, mail houses, marketing service providers, shipping service providers, employee benefits administrators), affiliated companies, government agencies, law enforcement, strategically aligned businesses|
|5||Electronic network activity (such as browsing or search history, website interactions, app interactions, advertisement interactions)||Information automatically collected from site visitors.||Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as payment processors, mail houses, marketing service providers, shipping service providers, employee benefits administrators); affiliated companies; government agencies; law enforcement;|
|6||Audio, video or similar information (such as voice recordings, customer service calls, security monitoring, photo, call history, video recording)||Individuals submitting information; information we collect for security purposes.||Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as payment processors, mail houses, marketing service providers, shipping service providers, employee benefits administrators); affiliated companies; government agencies; law enforcement;|
|7||Biometrics||Individuals submitting information Information we collect for security purposes||Employee and vendor administration Auditing relating to transactions; security detection, protection and enforcement; functionality debugging/error repair; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as marketing service providers, shipping service providers, employee benefits administrators); employee and vendor service providers; Employee and vendor administration; affiliated companies; government agencies; law enforcement; strategically aligned businesses.|
|8||Geolocation||Information we automatically collect from site visitors.||Performing services for you; Supporting professional events; Auditing relating to transactions; security detection, protection and enforcement; ad customization; performing services for you; internal research and development; quality control.||Service providers (such as mail houses, marketing service providers, shipping service providers, employee benefits administrators); affiliated companies; government agencies; law enforcement;|
|9||Professional, educational or employment related information (such employee job apps, employee personnel records, references, licensing requirements, vendor proposals)||Information submitted by individuals; information received from third parties in connection with vendor or employment status or applications; information we observe in connection with vendor or employment oversight.||Performing services for you; Employee and vendor administration Employee benefits administrators; Administer hiring and employee management functions; Vendor management Auditing relating to transactions; security detection, protection and enforcement; internal research and development; quality control.||Service providers (such as payment processors, employee benefits administrators); employee and vendor service providers government agencies; law enforcement accounting, professionals, or insurance providers strategically aligned businesses.|
|10||Sensitive Personal Information (Social Security, driver’s license, state identification card, or passport number, account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, precise geolocation, consumer’s racial or ethnic origin, religious or philosophical beliefs, or union membership, genetic data, biometric information, health, sex life, or sexual orientation.)||Information submitted by individuals;|
information received from third parties in connection with vendor or employment status or applications;
information we observe in connection with vendor or employment oversight.
|Identify verification; employment and benefits administration; vendor oversight; security detection, protection and enforcement; compliance with law.||Service providers (such as payroll processors, employee benefits partners, professional advisors); Government regulators; law enforcement (if lawfully requested).|
|11||Inference from the above (such as preferences, characteristics, behavior, attitudes, abilities, etc.)||Internal analytics||ad customization; performing services for you; internal research and development; legal compliance quality control.||Service providers (such as analytics providers); Government agencies|
*More specifically, the business purposes may include:
Processing Sensitive Personal Information. We collect and process or disclose Sensitive Personal Information for the purposes disclosed above or at the time we collect this information. We do not process this information for purposes other than the purpose for which it was originally collected unless required by law. We use and process Sensitive Personal Information collected from California employees, job applicants or vendors (including racial or ethnic origin, religious beliefs, mental or physical health diagnosis, sexual orientation, or citizenship or immigration status) to comply with laws including anti-discrimination laws and disability accommodation laws. We use Sensitive Personal Information from other consumers (including racial or ethnic origin, religious beliefs, mental or physical health diagnosis, sexual orientation, or citizenship or immigration status) to provide disability accommodations.
Disclosing Personal Information
We may disclose your personal information to a third party or governmental agency for a business purpose, When we disclose to a business we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. Please see above for the categories of recipients of each category of information.
Sale of Information. We do not sell your information for monetary consideration but we may transfer your information to a third party that provide us with services such as helping us with advertising, data analysis and security, which may fall under the definition of “other valuable consideration” which may be consider a ‘sale’ under the CPRA. In the preceding twelve (12) months we provided Identifiers and Electronic Network Activity Information to advertising, analytics and security vendors.
Sharing Personal Information for Cross-context Behavioral Marketing. “Sharing” your personal information means making it available to a third party so that they can use it to display cross-context behavioral advertisement to you. Cross-context behavioral advertising means that an advertisement is displayed to you that is selected based on personal information about you obtained or inferred over time from your activities across other companies’ websites, applications or online services that is used to predict your preferences or interests. Cross-context behavioral advertising does not include using your interactions with us or information that you provide to us to select advertisements to show you. We do not share personal information for cross-context behavioral advertising purposes.
We do not disclose personal information for monetary consideration. If you would like to tell us not to sell your information in the future please email us at CCPA@vrmco.com with your name, postal address, telephone number and email address with “Nevada Do Not Sell” in the subject line.
Effective Date: As of January 1, 2023
(c) 2023 by Vendor Resource Management, Inc., All rights reserved.