Privacy

1. What data do we collect?

As a Third-Party Service Provider, the Personal Information Newcourse Communications collects is to solely provide services to mortgage lending institutions, mortgage loan servicers or automobile institutions. We gather information in connection with the on-line business applications and related services. Newcourse Communications does not require that each user give us contact and other business and personal information. Newcourse Communications may receive certain Personal Information about you. We may receive Non-public Personal Information (NPI), as defined forth in Section 509 of the Gramm-Leach-Bliley Act (P.L. 106-102) and/or any federal regulations that implement the act, as needed to perform services under our contracts. Any NPI we collect is used only as necessary in connection with services provided to the client.

2. How do we collect your data? 

We collect data and process data when you:

• Place a request for any of our products or services via form or correspondence received from you.
• Use or view our website via your browser’s cookies.
• Provide to us directly from other sources such as email, phone. 

3. How will we use your data?

 All personally and business identifiable information (including financial and billing information) that Newcourse Communications collects through the website is used to offer and perform the services. Newcourse Communications will not sell, share or rent your information to third party entities. Newcourse Communications may track and analyze non-identifying and aggregate usage and volume statistical information for internal use – information will not be provided to entities outside Newcourse Communications. Newcourse Communications may collect certain other, usually technical, information from visitors to and users of the website. This information is logged to help diagnose technical problems and to administer the website.

This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

4. How do we store your data?

 When you visit our website, Newcourse Communications we will not collect nor store your information through your Internet browser or computer equipment. The website contains links to other sites. Newcourse Communications is not responsible for privacy practices of such other sites. Newcourse Communications encourages all users when they leave our site to read the privacy statements of each other site they visit. This statement applies to information collected and displayed on www.newcoursecc.com.

5. What are your data protection rights?

 Your information, including personal information, 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 than those from your jurisdiction. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

In accordance with the California consumers rights under the “California Consumer Privacy Act (CCPA)”, if you are a California resident, you may choose to prevent Newcourse from disclosing or using your Personal Information and/or Browsing Information. You have the right to:

• Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
• Request that a business delete any personal data about the consumer that a business has collected.
• Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

6. What are cookies?

 Cookies are text files placed on your computer to collect standard internet log information and visitor behavior information. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer’s hard drive. When you visit the Website again, the cookie allows the Website to recognize your computer. Cookies may store user preferences and other information to assist your navigation between pages efficiently, remember preferences, and improve the user experience. You can choose whether to accept cookies by changing your Internet browser settings, which may impair or limit some functionality of the Website. Cookies are not viruses. Cookies use a plain text format. They are not compiled pieces of code so they cannot be executed nor are they self-executing. They cannot make copies of themselves and spread to other networks to execute and replicate again. When you visit our website, Newcourse Communications we will not collect nor store your information through your Internet browser or computer equipment.

7. What types of cookies do we use?

Newcourse Communications uses “Session cookies” to determine a better sense of how our users engage with our offered services and to improve our site so that users have a better experience. 

8. How to manage cookies

 For information on how to customize your browser’s cookie settings can be found at allaboutcookies.org/how-to-clear-cookies.

9. Children’s Online Privacy Protection

 The Children’s Online Privacy Protection Act (COPPA) is a law designed to protect the privacy of children under thirteen (13) years of age. We do not intentionally collect Personal Information from any person under the age of  thirteen (13) without permission from a parent or legal guardian, and neither our Website nor our services are directed to children under the age of thirteen (13). You affirm that you are over the age of thirteen (13) and will abide by the terms of the Privacy Notice. We do not sell Personal Information of minors. Parents and legal guardians should be aware that this Privacy Notice will govern our use of Personal Information. We encourage all parents and legal guardians to instruct their children to be safe and responsible with supplying their Personal Information while using the internet.

10. Do Not Track

 Do Not Track (DNT) is a web browser setting that requests that a web application disable its tracking of an individual user. When you choose to turn on the DNT setting in your browser, your browser sends a special signal to websites, analytics companies, ad networks, plug in providers, and other web services you encounter while browsing to stop tracking your activity. We do not recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” instructions.

11. Changes to our Privacy Policy

 We reserve the right to change this privacy policy as we deem necessary or appropriate because of legal compliance requirements or changes in our business practices. If there are any changes to this privacy policy, Newcourse Communications will ensure that each and all changes continue to meet any ongoing relationship requirements. When accessing newcoursecc.com or ncconnect.newcoursecc.com we are not responsible for the privacy practices of other sites. 

12. Data Protection

 Hosting of the Newcourse Communications website is done in a secure server environment that uses a firewall and other technology to help prevent tampering from outside intruders. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put into place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.