Last updated: April 2025
Livegage, Inc. (“Livegage,” “we,” or “us”) is committed to the privacy of our customers, website visitors, and users of our products and services. This privacy policy (“Privacy Policy”) discloses what personal information is gathered about visitors to our website (“Website”) and users of our products and services, including our artificial intelligence driven platform (the “Platform”), how we may use and share the personal information and the choices that are available to you with respect to our handling of your data.
We refer to the Website and the Platform together as the “Services.”
Please note that when we receive or process information on behalf of one of our clients, the processing of that information is governed by our client’s privacy policy. When we collect Personal Information as a third party service provider (the data processor as defined by data protection laws), we do so solely to provide services to lending institutions, mortgage loan servicers, or other third parties (the data controllers as defined by data protection laws). The privacy policies of those lending institutions, mortgage loan servicers, or other third parties shall apply, and you should refer to those privacy policies and/or contact them to understand how your Personal Information will be used. We provide services to lending institutions and mortgage loan servicers, and, in some cases, their websites collect information.
Those parties are responsible for taking action or making changes to any consumer information submitted through those websites.
We may change this Privacy Policy from time to time. If we do so, we will post the updated policy on our Website and will indicate when the Privacy Policy was last revised. Unless provided otherwise, all changes will be effective immediately upon posting to the Website. You should periodically review our current Privacy Policy to stay informed of our personal data practices.
WHAT IS PERSONAL INFORMATION?
For purposes of this Privacy Policy, “Personal Information” means information that alone or in combination identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household.
1. CATEGORIES OF PERSONAL INFORMATION WE MAY COLLECT
We, and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining and/or providing internal support for our Website or operations, as well as third parties we may engage for improving our products and advertising for business-to-business purposes only, may collect the following types of information:
| Category | Personal Information Collected |
| Identifiers | · First and last name,
· Internet Protocol address, and email address. · Username, password, and security questions and answers; · Demographic information (e.g., date of birth, gender, marital status); · Social Security number (“SSN”), driver’s license, passport, and other government ID information |
| Commercial Information | Records of products or services purchased, including certain payment information. |
| Internet Activity | Browsing history and information about your interaction with our Services. |
| Geolocation Data | Imprecise location information, like the city, state, and ZIP code associated with your IP address. |
2. SOURCES OF PERSONAL INFORMATION
We obtain the categories of Personal Information listed above from the following categories of sources:
- Directly from you. For example, when you create an
- Indirectly from you. For example, we receive certain information that your computer or mobile device transmits when you interact with our Website or Platform.
- Third Parties. We may collect Personal Information about you from third parties “Third Party Sources,” in a variety of ways, including, without limitation:
- We may receive Personal Information about you from third parties that provide services to us through or in connection with the performance of our Services to third parties, including third parties licensing our software applications, such Complai, our mortgage servicing application.
- We may receive Personal Information related to your use of our Website from third party analytics providers.
Please note, we may combine the Personal Information and other content and information we receive about you from multiple sources, including, without limitation, Personal Information we collect directly from you and one or more Third Party Sources.
Personal Information Collected as a Third Party Service Provider
Except in certain limited circumstances relating to potential employment opportunities with us, in almost all cases, Livegage is receiving Personal Information in its capacity as a third party service provider to a mortgage lender or mortgage servicer. In such cases, we may collect or receive Personal Information about or from individuals for the sole purpose of providing services to or on behalf of such mortgage lenders or services. In cases where Livegage is providing services to or on behalf of such mortgage lenders or servicers, we do not share consumer information with third parties, other than (1) those with which the mortgage lender or servicer has contracted to interface with the Livegage application, (2) those which Livegage has contracted with in provision of those services, (3) law enforcement or other governmental authority in connection with an investigation, civil or criminal subpoenas, court orders, discovery, or legal process, or (4) as directed by the mortgage lender or servicer. The privacy policies of those mortgage lenders or services shall apply, and you should refer to those privacy policies and/or contact your mortgage lender or servicer to understand how your Personal Information will be used by such mortgage lenders or servicers.
3. HOW WE USE PERSONAL INFORMATION
The primary purposes for which we use Personal Information are:
- Customer Service and Customer We may use Personal Information to (1) respond to requests for information, (2) provide customer service, and (3) for those purposes in which you authorize or instruct us to use your Personal Information.
- Business Purposes. We may use Personal Information for business purposes including but not limited to (1) providing our Services, (3) providing information about our Services, (4) conducting analytics, (5) research and development, (6) administering surveys and feedback, (7) conducting statistical or demographic analysis, (8) assessing the success of our marketing and advertising campaigns, (9) preventing fraud, (10) other business purposes permitted under applicable law, and (11) carrying out our obligations and enforcing our rights arising from any contracts we have entered into
- Marketing We may use your Personal Information to advertise and market to you including notifying you of special promotions, opportunities, offers and events via e-mail and other means.
- Law Enforcement/Legal We may use Personal Information to cooperate with law enforcement or other legal purposes including: (1) complying with legal and regulatory requirements; (2) satisfying contractual obligations; (3) cooperating with law enforcement or other governmental agencies for purposes of investigations, public safety or matters of public importance when we are legally required to do so or believe that disclosure of Personal Information is necessary or appropriate to protect the public interest; and (4) protecting and defending against legal actions or claims.
4. WHO WE SHARE YOUR INFORMATION WITH
To operate our Website and provide our Services, we may share Personal Information with certain third parties. The third parties that we may share Personal Information with include:
- Service Providers. We may share Personal Information with service For example, we may share Personal Information with vendors to help us host and manage our Services; improve the content and functionality of the Website and Platform; perform data analysis and statistical analysis; troubleshoot problems with the Website and Platform; provide email services; provide data processing; and support or provide the security of the Website and Platform.
- Payment and Billing Processors. In addition to the service providers above, we may share Personal Information with payment processing and billing service providers.
- Parties to Business Transactions. In the event of an anticipated or actual merger or acquisition, bankruptcy or other sale of all or a portion of our assets, we may transfer or allow third parties to use information owned or controlled by us, including Personal We reserve the right, in connection with these types of transactions, to transfer, share, assign, or sell your Personal Information and other information we have collected to third parties or to authorize such third parties to use any such information including for due diligence as part of any of the transactions described in this paragraph. Any Personal Information you submit or that is collected after this type of transfer may be subject to a new privacy policy adopted by the successor entity.
- Government and Law Enforcement. We may share your Personal Information with individuals or private parties where necessary to enforce and comply with the law, to protect our property or legal rights, for the safety of the public or any person, to prevent harm, to protect the security and integrity of the Services and any equipment used to make the Services available.
- Professional Advisors. We may share Personal Information with our professional advisors, such as our attorneys, accountants, financial advisors, and business advisors, in their capacity as advisors to us.
- Other. We may share Personal Information with third parties and/or service providers when explicitly requested by or consented to by you, or for the purposes for which you disclosed the Personal Information to us as indicated at the time and point of the disclosure (or as was obvious at the time and point of disclosure).
As noted above, Personal Information obtained by Livegage as a third party service provider to mortgage lenders or mortgage servicers is governed by the privacy policies of those mortgage lenders or services, and you should refer to those privacy policies and/or contact your mortgage lender or servicer to understand how your Personal Information will be used by, and with whom such Personal Information will be shared with, such mortgage lenders or servicers.
Livegage does not provide services or market to individuals and does not share Personal Information it collects or Personal Information it receives from its clients with nonaffiliated third parties except as described in this Privacy Policy or as otherwise permitted by law.
5. WEBSITE ANALYTICS
We may use cookies and other related technologies on our Website for operational purposes and to perform analytics. We have enabled and implemented Google Analytics on the Website. To prevent Google from using data collected by Google Analytics, follow the instructions to download and install the Google Analytics Opt-out Browser Add-on for each web browser you use. Using the Google Analytics opt-out browser add-on will not prevent us from using other analytics tools and will not prevent data from being sent to the Website itself or to Google. Opting out will not affect your use of the Website. For more information on how Google uses Personal Information, visit Google’s Privacy Policy and Google’s page on How Google uses data when you use their partners’ websites or apps.
6. YOUR CONSUMER PRIVACY CHOICES
- Opting out of email marketing
You may unsubscribe from our emails at any time by following the instructions included in those emails. If you opt out of receiving such communications, note that we may continue to send you non-promotional emails (such as responsive emails or emails about changes to our legal terms).
- Restricting cookies
Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our websites and Services.
If we are processing your information on behalf of one of our clients, you will need to communicate directly with your provider about your request.
9. LEAVING OUR SERVICES AND/OR LINKING TO THIRD PARTIES
When you leave our Website or Platform and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that we do not represent either the third party or you, if you enter into a transaction on the third-party site. Further, the privacy and security policies of the linked site may differ from ours.
10. SOCIAL MEDIA SITES
Our online Services may use social media plug-ins to enable you to easily interact with certain social media websites (e.g., LinkedIn, X) and share information with others. When you visit our online Services, the operators of the available social media plugins can place a cookie on your device enabling such operators to recognize individuals who have previously visited our online Services. If you are logged into these social media websites while visiting our online Services, the social media plugins allow the relevant social media website to receive information that you have visited our online Services or other information. The social media plugins also allow the applicable social media website to share information about your activities on our online Services with other users of the social media website.
11. DE-IDENTIFIED / AGGREGATED DATA
We may aggregate or de-identify Personal Information we collect through our Services and when operating our business. For example, we may aggregate Personal Information to calculate the percentage of users in a particular zip code. Once information or data has been de-identified and/or aggregated, such information is no longer Personal Information.
12. INTERNATIONAL USERS
Our Services are operated in the United States and intended for users located in the United States. Like almost every website, our Website can be accessed by an international audience. If you are located outside of the United States, please be aware that information we collect, including Personal Information, will be transferred to, processed, stored and used in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. In addition, such data may be stored on servers located outside your resident jurisdiction and in jurisdictions which may have less stringent privacy practices than your own.
13. CALIFORNIA RESIDENTS
California Civil Code Section 1798.83 permits customers of a company who are California residents to request and obtain from us once a year, free of charge, information about the Personal Information (if any) we disclosed to third parties for the third parties’ direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of Personal Information that were shared and the names and addresses of all third parties with which we shared information in the immediately preceding twelve (12) calendar months. If you are a California resident and would like to make such a request, please submit your request in writing to: info@livegage.ai.
California Consumer Right to Restrict Processing of Sensitive Personal Information. You have the right to request the restriction of processing of your Sensitive Personal Information. At this time, however, we do not use or disclose Sensitive Personal Information for purposes other than those expressed herein or otherwise permitted by applicable law, and these uses cannot be limited under California law.
We do not sell Personal Information and have not sold Personal Information at any time in the preceding twelve (12) months. You can find a list of the categories of information we share or disclose for a business purpose in this Policy. If you would like more information concerning the categories of Personal Information (if any) we share with third parties or affiliates for those parties to use for direct marketing, please submit a written request to us using the information in the “Contact Information” section below.
We do not discriminate against California consumers, personnel, or applicants who exercise any of their rights described in this Privacy Policy.
14. CHILDREN’S PRIVACY
We do not direct or target our Website to anyone under the age of 18 and we do not allow anyone under the age of 18 to use our Services. If you are a parent or guardian of someone under the age of 18 and discover that your child has submitted Personal Information to us, please contact us at info@livegage.ai. We will make reasonable efforts to remove such information from our databases.
15. EMPLOYMENT OPPORTUNITIES
For individuals interested in job opportunities with us, the Website may allow prospective employees to request additional job opportunity information and apply for a job online. We, or our third party service providers, may use the Website to collect Personal Information from prospective employees for human resources recruitment purposes. Such Personal Information may include your resume information, employment history, and information related to your race or disabilities. By submitting any of the foregoing information, you consent to its dissemination to, and use by, us and our affiliates. The foregoing also applies to job application inquiries and submissions that you may transmit to us other than through the Website.
16. CONTACT INFORMATION
If you have any questions about the Privacy Policy or how we process Personal Information, please contact us at: info@livegage.ai.
17. YOUR CONSENT TO THIS PRIVACY POLICY
By submitting Personal Information to Livegage, you consent to the collection and use of information by us in compliance with this Privacy Policy unless you inform us otherwise by means of the procedure identified below. Amendments to the Privacy Policy will be posted on the Website. Your use of the Website following such publication of any amendment of this Privacy Policy will signify your consent to and acceptance of its revised terms.
We may use comments, information or feedback that you may submit, without identifying information, in any manner that we may choose without notice or compensation to you.
