Highlands Mortgage and its affiliates (referred to herein as “Highlands Mortgage ”, “we”, “us”, or “our”), recognize the importance of protecting the privacy of information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a consumer or device (“Personal Information”), particularly our consumers or users (referred to as “you” or “your” in this Privacy Statement).This Privacy Statement applies to information we collect:
- through the Highlands Mortgage websites operated by Highlands Mortgage and its affiliates;
- through other websites and online services that we own, operate, or make available and that link to this Privacy Statement;
- when you apply or rent at one of our properties, or through other offline interactions (on-site property visits);
- when you apply for a job with Highlands Mortgage ;
- when you invest in a private fund advised by us;
- when you engage with us as a third-party vendor or contractor;
- through other general inquiries we receive (including postal mail, electronic mail, telephone requests, and in person).
Collectively, we refer to the websites, online services, property visits and offline interactions as “services.” This Privacy Statement describes what Personal Information we gather, how we use it, how it is shared and how you can access, delete, correct, change, and limit our use of it. If you are asked to submit registration details via this site, you may be requested to agree to additional terms regarding our use of your Personal Information, and those additional terms will apply in that context. Any additional terms will be provided for your review at the time of registration.
THE PERSONAL INFORMATION WE COLLECT
To provide you services, we collect or you may choose to provide Personal Information that may identify you or relate to you as an individual.
Depending upon the type of relationship you have with Highlands Mortgage , we may collect the Personal Information described in general terms below.
- Contact Information such as name, postal address, email address, date of birth, picture, and emergency contact details.
- Other Personal Identifiers such as user/account name, social security number, taxpayer identification number, driver’s license number, passport number, identity card or student card, and resident identification number.
- Financial and Insurance Information such as bank account/credit card number, rent payment details, insurance policy number, credit history, sanctions and Politically Exposed Persons (“PEP”) screening results, and other financial or tax documentation.
- Demographic Information such as age, race, color, ancestry, national origin, citizenship, marital status, sex, veteran or military status, in each case subject to applicable laws.In certain jurisdictions, you may also choose to share with us any disabilities or other health-related restrictions so that we can provide you with adequate accommodations.
- Commercial Information such as records of products or services purchased, obtained, or considered, other purchasing histories or tendencies, utility bills, insurance claimant name and contact information, lease information, rental history, and rent amount.
- Internet or other electronic network activity information through the use of our websites such as browsing history, search history, internet protocol address, cookie identification number, information regarding consumer’s interaction with a website, and internet postings.For more information please review the Cookies and Other Tracking Technologies section.
- Sensory data such as pictures, videos, and sounds.
- Employment, Investment or other professional information such as education, employment history, job title, university or school attended, diploma, other CV information, pay history, income, net worth, source of your subscription funds, wire transfer instructions, investment experience, and risk tolerance.
HOW AND WHERE WE COLLECT YOUR PERSONAL INFORMATION
We may collect Personal Information through the following:
- Online Services. We collect Personal Information when you interact with our Online services which may include, but are not limited to, searching for an apartment, communicating with us, applying for a job, posting to social media pages, or participating in a survey.
- Property Owners. Our residential properties may be owned by other investors who share personal information with us for the purposes of managing the property and providing you services.
- Property Visits and Offline Interactions. We collect your Personal Information when you visit our properties, attend events hosted at our properties, and/or inquire about housing directly with our properties.
- Other Sites and Third Parties. We may use separate sites for the processing of applications and agreements and to assist our residents and service providers with other tasks which are required or helpful to them, such as paying rent online. We also use separate sites for booking corporate or flexible stays.We may also receive information about you from third parties. For example, if you are on another website and you opt-in to receive information from us, that website will forward us your email address and other information about you so that we may contact you as requested and in accordance with applicable law.
- Investor and Third-Party Due Diligence. When you invest in a private fund advised by us or when you provide services to Highlands Mortgage as a third-party vendor/contractor, we will collect certain information through our discussions with you, from documents that you may deliver to us, and in the ordinary course of our business relationship.
- Other Sources. We collect Personal Information from other sources, such as public databases or credit agencies. Where legally required, we will obtain your consent before undertaking these checks.
COOKIES AND OTHER TRACKING TECHNOLOGIES
We may also collect “Other Data” that generally does not reveal your specific identity or does not directly relate to an individual. To the extent Other Data reveal your specific identity or relate to an individual, we will treat Other Data as Personal Information. Other Data includes:
- Your browser or device. We collect certain data through your browser or automatically through your device, such as your operating system name and version, device manufacturer and model, language, internet browser type and version, and the name and version of the online services (such as the apps) you are using. We use this data to ensure that the online services function properly.
- IP Address. We collect your Internet Protocol (IP) address which is a number that is automatically assigned to your computer whenever you are using the Internet. Web servers, the main computers that serve up web pages, automatically identify your computer by its IP address. As permitted under applicable law, Highlands Mortgage collects IP addresses for the purposes of system administration, gathering and analyzing aggregated information, creating a better experience for users and auditing the use of our sites. We do not normally link IP addresses to anything personally identifiable, which means that your session will be logged, but you remain anonymous to us. We may seek to link your IP address to your identity when we feel it is necessary to protect our sites and other users from harm and to prevent criminal misconduct.
- Aggregated Data. We may aggregate data that we collect and this aggregated data will not personally identify you or any other user.Cookies, Pixels, and other similar technologies. We collect certain data from cookies, pixel tags, web beacons, and other technologies (“Cookies”) which are pieces of data stored directly on your device or browser and may, in certain jurisdictions, be considered Personal Information. Cookies may be set by us and called first-party Cookies. We also use third-party Cookies for our advertising and marketing efforts, to measure the success of our marketing campaigns, and to compile statistics about usage of the online services. See the section on PROFILING AND AUTOMATIC DECISION-MAKING below.
- Strictly Necessary Cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these Cookies, but some parts of the site will not work.
- Performance Cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.All information these Cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site and will not be able to monitor its performance.
- Functional Cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these Cookies, then some or all of these services may not function properly.
- Targeting Cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. These work by uniquely identifying your browser and internet device. If you do not allow these Cookies, you will experience less targeted advertising.
- Social Media Cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these Cookies you may not be able to use or see these sharing tools.
Most browsers are set up to accept Cookies. If you want to change your cookie preferences, you can do so through your browser settings or by updating your Cookie preferences, where applicable, when you enter any of our websites.
WHY WE USE YOUR PERSONAL INFORMATION
|PURPOSE||DESCRIPTION OF ACTIVITIES||LEGAL BASIS|
|Engage with prospective residents||The activities associated with this purpose may include providing property tours and contacting prospective residents.||Legitimate interests for leasing an apartment, for example, communication regarding your property preferences|
|Applications and Contracts||The activities associated with this purpose may include collecting and processing applications or contracts and communicating with you regarding your application or account. Personal Information will be used to perform credit checks, background checks, or other screenings as necessary for Highlands Mortgage ’s know your customer and anti-money laundering requirements.||Performance of a contract to initiate a lease or an employment relationship|
Legitimate interests for ensuring prospective residents are financially solvent
Legal obligations, such as sanctions screenings, background checks, anti-money laundering screenings, and identity confirmation
|Operations and General Business||The activities associated with this purpose may include processing or communicating with residents about payments, performing debt collection, providing maintenance or other on-site services, and managing the property. Processing this information also helps us better understand how we can help prospective and current residents.||Performance of a contract to fulfill your lease|
Legal obligations relating to financial transactions, such as the obligation to maintain books and records.
|Marketing and Surveys||The activities associated with this purpose may include communicating with you about our properties and promotions and conducting resident surveys about your experience.||Consent, such as honoring communication preferences|
Legitimate interests, such as providing advertisements for our similar products and services
|Security and Legal Obligations||The activities associated with this purpose may include detecting security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, as well as ensure the safety of our residents.||Legitimate interests to protect against malicious activity|
Legal obligations relating to data protection and to report illegal activity and security incidents
HOW AND WHEN WE SHARE YOUR PERSONAL INFORMATION
We may share Personal Information with the following third parties to provide you services, following a specific request from you, or to fulfill our legal obligations.
- Highlands Mortgage Affiliates. We disclose your Personal Information and Other Data with our affiliated companies as necessary to communicate with you, provide you services, fulfill our contract with you and to accomplish our business purposes.
- Service Providers. We disclose Personal Information and Other Data to third parties who perform services such as hosting our websites, processing payments, conducting research and analytics, providing on-site services, providing benefits, conducting financial, identity and other legal checks and providing professional advice.
- Property Owners. We disclose Personal Information to the Owners of the properties we manage. Owners may use your Personal Information for their own purposes and legal obligations and are therefore considered separate data controllers for multiple processes during your tenancy journey.
- Partners. We disclose Personal Information and Other Data to our advertising partners or to sponsors of events and promotions in which you have expressed interest or for which you have registered.
We may also use and disclose your Personal Information as necessary to comply with applicable laws, respond to requests or requirements from government authorities, enforce our terms and conditions, or to otherwise protect the rights, property, or safety of Highlands Mortgage employees, residents and other persons, including exchanging information with third parties for fraud protection and credit risk reduction.
If Highlands Mortgage goes through a business transition, such as a merger, being acquired by another company, or selling all or part of its assets, Personal Information may be transferred as part of that transition. By using our websites and providing your Personal Information, you consent to this transfer, provided use of the Personal Information will remain in accordance with the Privacy Statement in place at the time of the transfer.
YOUR PRIVACY PREFERENCES AND RIGHTS
We provide you with options, information, and choices below to express your preferences.
Email Consent and Opt-out
Each of our commercial emails contain a link with instructions on how to remove yourself from our email list. Please note that if you are a resident of a Highlands Mortgage property and you use this site and your property site, you will need to opt-out of your property site separately. You will also need to opt-out separately from any third-party sites you have registered with.
Cookies and Other Data
For information on your choices related to Cookies and Other Data, please see the Section on Cookies and Other Tracking Technologies, above.
Access, Change, Delete, Restrict the Use or Object to the Processing of Your Personal Information
You may have the right under applicable privacy laws to request that Highlands Mortgage inform you as to whether Personal Information relating to you is being processed. Subject to certain exceptions under applicable privacy laws, you may also have the right to submit a request to access, change, delete, restrict the use of, or object to the processing of your Personal Information that was previously provided to us. If you wish to exercise your rights, please visit our portals and complete one of the following forms. For your protection, we will verify your identity before fulfilling certain requests. When permitted by law, we may charge an appropriate fee to cover the costs of responding to your request.
If you are a prospective, current or former tenant, please submit your request using this form.
If you are a prospective, current or former employee, please submit your request using this form.
For all other inquiries, or if you have any questions about the forms or our process, feel free to contact us or see the Contact Information section below.
TCPA regulations and guidelines
What’s regulated under the TCPA?
The Telephone Consumer Protection Act (TCPA) regulates telemarketing calls, autodialed calls, prerecorded calls, text messages and unsolicited faxes. The national do-not-call list was also created under the TCPA, and the Federal Communications Commission (FCC) is empowered to issue rules and regulations implementing the TCPA.
By using the Highland Mortgage website and entering your phone number, you consent to allow us to make telemarketing calls, autodialed calls, prerecorded calls, text messages and unsolicited faxes.
Highlands Mortgage takes reasonable technical and organizational measures to safeguard users’ Personal Information. While Highlands Mortgage strives to protect your Personal information and therein your privacy, we cannot guarantee the security of any Personal Information you disclose online and therefore you must be aware of this risk.
We limit access to Personal Information to those individuals and organizations who we believe reasonably need to receive such information to provide our services or to do their jobs, and we take precautions we deem reasonable to protect the security of users’ Personal Information. However, as in many computer systems, internet applications and software programs, unauthorized use, failure of hardware or software, etc. may be injurious to the confidentiality of users’ Personal Information notwithstanding the actions we take to prevent this.
Because the security of all Personal Information associated with our users is of utmost concern to us, we periodically review and improve our security when new technology becomes available. This includes use of software which encrypts (generally processed at 256 bits) or distorts data submitted to us relating to an online rental application or employment application.
If users have any questions about security, please contact us using the information in the “Contact Information” section.
We will retain your Personal Information for the period we believe reasonable to fulfill the purposes outlined in this Privacy Statement unless a longer retention period is required or permitted by law.
The criteria used to determine our retention periods include:
- The length of time we have an ongoing relationship with you and provide the services to you
- Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them)
- Whether retention is advisable considering our legal position (such as, for statutes of limitations, litigation or regulatory investigations)
Our websites are not directed at children. We do not collect or maintain information at our sites from those we know are under 16, and we do not permit children under 16 years of age to become registered users of our sites. By using any of our sites, you represent that you are not under 16 years of age. If you are a parent or guardian and you believe that your child under age 16 may have provided personally identifiable information through any of our websites, please contact us using the information in the “Contact Information” section.
PROFILING AND AUTOMATIC DECISION-MAKING
In certain circumstances, we may use automatic decision-making to evaluate your credit against our required criteria. Credit-checking is a mandatory step in our application review process.
In certain circumstances, we will use automated means to conduct sanctions and PEP screenings and in some cases for background checks. This processing is in accordance with our legal obligations and legitimate interests and has meaningful human intervention before making final decisions that may impact your application.
Sanctions screening involves comparing applicants against public lists maintained by the US Office of Foreign Asset Control and other lists maintained by other Governments. We do this through a secure online service and the data used to undertake such searches includes your name, date of birth, and nationality. For common names, the system will sometimes return a result known as a “false positive.” A human analyst will then use additional data you provided, such as your address, to make a final decision about the match.
NOTICE TO CALIFORNIA RESIDENTS
Individuals who reside in California and have provided their Personal Information to us may exercise their rights under the California Consumer Privacy Act (“CCPA”). California residents can find more information on exercising their rights under the CCPA by reading our California Consumer Privacy Statementor by calling 1-877-862-2797.
NOTICE TO RESIDENTS OF CERTAIN STATES
Some state laws permit residents who provide us with Personal Information to request certain information regarding our disclosure of such information to third parties for their direct marketing purposes. We do not, currently, disclose such information to third parties for their direct marketing purposes. If we change this policy, we will update this provision and provide instructions on how you may make a request for details.
CONTROLLER & DATA PROCESSOR
In many instances, Highlands Mortgage acts as a separate Controller (as defined in the GDPR) with property owners, who may also use the Personal Information we collect. Owners have the right to use certain Personal Information for their own purposes in accordance with your tenant agreement and in order to comply with their own legal obligations, including maintaining books and records. In other instances, Highlands Mortgage may be a Processor (as defined in the GDPR) for certain Personal Information, acting on behalf of the owner to manage the property and provide resident services.
UPDATES TO THIS PRIVACY STATEMENT
If you have any questions about this Privacy Statement, please contact us.