This website (“website”) is owned and operated by Nexera Holding LLC, dba Newfi and Newfi Lending (collectively referred to as “Nexera”). This policy outlines how we protect the information for users of our site, and how we collect information from you.
By accessing, browsing, or using our website, you acknowledge that you have read, understand, and consent to the use of information collected here, and agree to be bound by these terms.
Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. Your use of this website, or any Services or information derived from this website, constitutes acceptance of this policy and any other applicable terms.
This Privacy Policy explains the types of information we gather and what we do with it, and is intended to provide you notice of Nexera’s information management practices, including how the information is gathered, safeguarded and the degree to which you may control the maintenance and sharing of your information.
Information Gathered
Personally Identifiable Information That We Collect
Nexera respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this website and Services. Nexera may gather information that personally identifies users of this website, even if you provide such information to us. For example, Nexera will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this website.
We will also collect nonpublic personal information about you and members of your household in connection with your agreements, applications or transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this website, the products or services you inquire about or select and the type of product or service you agree to undertake. Information collected may include:
- Information we receive from you on applications, agreements and other forms;
- Information about your transactions with us, our affiliates or others;
- Information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this website or interest in products and services related to those offered by Nexera and interaction with other web-based or mobile applications;
- Information we receive from consumer reporting agencies and other sources; and
- With your consent, we may ask a third party providers to confirm or give us more details about your applications, inquiries or transactions with us or others.
Non-Personally Identifiable Information That We Collect
You may be asked to provide information that does not personally identify you. Nexera may request this information to understand you better and to also bring to your attention new products, services, programs or offers that may be of interest to you.
In many cases, Nexera will automatically collect certain non-personally identifiable information about your use of this website and Services. Nexera might collect, among other things, information concerning the type of internet browser, operating system or computer operating system you are using, the domain name of your internet service provider, your “click path” through the website or “click-through” from an email, the website or advertisement that was linked to or from the website when you visited and your IP address. To do this, Nexera may use cookies and other technology (see below). Your use of our website and Services, and information provided through these technologies, will be anonymous unless you provide us with personally identifiable information or have provided such information in the past.
Information about Other People
Some of the services on the website may ask you to submit personally identifiable information about other people. For example, you might submit a person’s name and other personally identifiable information if you are interested in a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.
Cookies and Related Technology
The website and some products and services, and associated advertisements, may contain “cookies,” clear gifs (also known as web beacons or web bugs), or similar technology. A cookie is a piece of data that holds information that identifies you to our website, if your computer is enabled to accept cookies. Web beacons assist in the delivery of cookies and the collection of non-personally identifiable information, such as “click path” and other data as described above. In using our website, you agree that we may store a “cookie” on your computer. Our website does not use cookies to retrieve any information from your computer. You agree that we may use cookies, clear gifs, frames, server log analysis and other technologies as they are developed to customize your experience with our website and Products and Services.
Use, Disclosure and Sharing of Information
Personally Identifiable Information
Nexera uses information about you to deliver the Information, Products and Services that you request, to keep you informed about changes affecting our Products or Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our website and Services. If you provide Nexera with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.
You may opt-out to receive email from us by following the directions in each message to “unsubscribe.” However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your transactional issues, account status, technical support, product information, changes to account terms and any other matter that might affect our service to you and/or any products or services you purchased from us, as applicable.
Nexera will not share, sell, rent or disclose any personally identifiable information that we have collected except as stated herein, or in the following instances: (i) we have been given your consent to disclose; (ii) we have previously informed you of the disclosure, including by means of our Privacy Policy or on the website, or through the Product or Service where you provided your information; (iii) we are required by law, legal process or court order to disclose; (iv) disclosure is necessary to identify, contact or bring legal action against someone who may cause or be causing harm to, or interference with, Nexera’s rights or property, other website users, or anyone else; or (v) to respond to an inquiry, request or complaint that you have made. Nexera may also use IP addresses in cooperation with internet service providers to identify users if we deem it necessary to comply with law, to enforce compliance with this Privacy Policy or our Terms of Service, or to protect our website, customers or others.
We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services.
We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include:
- persons or organizations that perform professional, business, underwriting, credit review or other functions for us;
- your loan broker or originator organization;
- title and escrow agents;
- designated vendors associated with your transaction, such as appraisers and insurance agents; and,
- regulatory and enforcement authorities.
We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
Google Analytics Advertising Information
To enable us to understand who uses this website, we may have implemented the following Google Analytics Advertising Features:
- Re-marketing with Google Analytics
- Google Display Network Impression Reporting
- Google Analytics Demographics and Interest Reporting
We use Google’s re-marketing service to advertise to previous visitors to our site on third-party websites across the Internet, including Google. This advertising could be in the form of an advertisement on a site in the Google Display Network that you view on your desktop, tablet, or mobile device, or an advertisement on the Google search results page. These third parties, including Google, use cookies to serve ads based on your past visits to our website.
We will not identify users or facilitate the merging of personally identifiable information with non-personally identifiable information collected through any Google advertising product or feature unless we have robust notice of, and the user’s prior affirmative (i.e., opt-in) consent to, that identification or merger. Irrespective of users’ consent, we will not attempt to disaggregate data that Google reports in aggregate.
Visitors can opt out of the Google Analytics Advertising Features through Ads Settings, Ad Settings for mobile apps, or any other available means (like the NAI’s consumer opt-out). You may also take advantage of Google Analytics’ currently available opt-out browser add-ons for the web at https://tools.google.com/dlpage/gaoptout/.
Your California Privacy Rights
California residents who have provided personal information to Nexera may be entitled to additional rights as set forth in our Privacy Notice for California Residents which may be accessed HERE.
Contact Us Regarding Privacy
Nexera is dedicated to protecting your personally identifiable information and welcomes questions and comments on this Privacy Policy. All questions or comments related to this Privacy Policy should be directed to:
Nexera Holding LLC 888-415-1620 or by email compliance@newfi.com.
For California residents only: Please refer to the Privacy Notice for California Residents for contact information regarding how to enforce your rights under the CCPA.
Nexera reserves the right to change this Privacy Policy at any time. All changes will be effective when posted, and your continued use of the website after the posting will constitute acceptance of, and agreement to be bound by, those changes.
Effective Date: November 22, 2022
