DHI MORTGAGE
Interest Based Advertising and Analytics

LAST UPDATED ON December 30, 2019
 

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Generally. Interest based advertising or online behavior advertising, commonly referred to as “OBA,” uses information collected about your online behavior across websites, applications and devices, and over time, to deliver to you advertisements that will be relevant, and of interest, to you based on your previous online behavior. The information collected shows, among other information, your preferences, your usage patterns and, in some cases, your general location, which are used to fashion advertisements. It is a means of targeting the right products and services to the right consumers. Most interest based advertisements are not targeted to you individually, but instead, to the interest groups in which website owners, third party ad servers, digital advertising agencies and networks or third party data aggregators have placed you, based upon your previous online behavior using all of your devices.  Capitalized terms in this Interest Based Advertising and Analytics are defined in the Definitions section of this Interest Based Advertising and Analytics.

DHI Mortgage Interest Based Advertising. DHI Mortgage may, in the future, utilize Third-Party Service Providers to deliver advertisements, including interest based advertisements, to you based on your previous online behavior, including your surfing history, as well as other Automated Information that our Third-Party Service Providers have collected about you while you have visited websites and utilized applications, including our own. In all cases, however, we will use, share and protect any NPPI that we have collected about you in accordance with our U.S. Consumer Privacy Notice, your privacy choices and applicable law.  If you are a resident of the European Economic Area, we will only utilize Third-Party Service Providers in this manner, or otherwise deliver interest based advertisements to you, with your consent. Where this page refers to residents of a particular location, it means individuals who are currently resident in that location as indicated by information on their place of residence they have provided to us (such as through submission of an online form), where reasonably available, or otherwise by their IP Address. Our interest based advertisements may be delivered to you on our Sites, across the Internet and across your devices. The goal of interest based advertising is to send advertisements to a large group of consumers who are interested in entering in the financial products and services that we offer. Our hope is to provide you with opportunities to obtain financial products and services that we offer and avoid wasting your time with advertisements that are of little, or no, interest to you.

Our Third-Party Service Providers that deliver interest based advertisements to you do so, in part, by collecting Automated Information about you. Except as otherwise classified by applicable law, this Automated Information is not Personal Information, but instead Anonymous Information. This Anonymous Information does not identify, and cannot be used to reasonably determine the identity of, an individual customer. Instead, it is used to place you in large interest based groups, for example, folks that watch television or live in the northwestern portion of the United States. If we link Anonymous Information with your Personal Information, we will treat all of the linked information as Personal Information.  To learn more about the categories of Personal Information we collect, and the rights you may have regarding that Personal Information, please visit our Privacy Policy. Please remember that we only use, share and protect NPPI in accordance with our U.S. Consumer Privacy Notice, your privacy choices and applicable law.

Our Third-Party Service Providers collect Automated Information through the use of Cookies, Adobe Flash Cookies, Web Beacons and other similar technologies and Through Apps that You May Use. Our Third-Party Service Providers may use the Automated Information gathered from your visits to our Sites to deliver targeted content to you via the Internet, whether you are on our Sites or other websites. They may also use the technologies listed above to measure the effectiveness of advertising campaigns. Information collected through Cookies, Adobe Flash Cookies, Web Beacons and other similar technologies will tell them, among other things, what you have viewed, if you have clicked through to one of our Sites from advertisements and how long you have stayed on our Sites. To see the Cookies that we place on your browser, and to opt-out of such placement, you can visit our Cookie Consent Tool . If you are a resident of the European Economic Area, without your consent only essential Cookies are used when you visit our Sites.  In all cases, we will use, share and protect any NPPI that we have collected in accordance with our U.S. Consumer Privacy Notice, your privacy choices and applicable law.

Our Third-Party Service Providers may also send you customized email communications based upon information, including Automated Information, that they have collected about you. When you click on certain links in these communications that you receive, our Third-Party Service Providers may place a Cookie on your browser. This Cookie, which is connected to your email address and IP Address, will then gather information about your online behavior. This information may be used to provide interest based advertising, including targeted email communications, to you in the future and to measure the effectiveness of our advertising campaigns, to mention just two of the purposes for which these Cookies may be used. Once again, if you reside in the European Economic Area, such Cookies will only be placed with your consent. And, we will use, share and protect any NPPI that we have collected in accordance with our U.S. Consumer Privacy Notice, your privacy choices and applicable law.

Depending on where you live, you may have certain rights related to the Personal Information DHI Mortgage collects about you, including the right to request that DHI Mortgage refrain from selling your Personal Information, delete Personal Information it has collected about you, and provide you with information on the categories or specific pieces of Personal Information it has collected about you.  These rights are described in more detail in our Privacy Policy, and you may exercise them by visiting Your Privacy Choices.  You also may opt-out of the receipt of commercial email communications from DHI Mortgage by clicking an “unsubscribe” button in email communications to you. If you reside in the European Economic Area, we may use Personal Information to respond to and fulfill your requests or to complete the transactions you have requested, but we will not provide updates and announcements about our products and services, or send information to you regarding other opportunities from DHI Mortgage, its Affiliates, or third parties without your consent.

When you are using a mobile device to access one of our Mobile Applications, our Third-Party Service Providers recognize a unique numerical identifier that is associated with your mobile device, known as a Mobile Advertising Identifier. These Third-Party Service Providers – with your consent if you reside in the European Economic Area – may use the technologies listed above along with Personal Information that they have collected from you while you have used different devices, to recognize you across devices that you use such as your tablets, cell phones and laptops. To learn more about interest based advertisements and your choices in connection with these third party collection practices, please visit https://www.networkadvertising.org/managing/opt_out.asp and http://www.aboutads.info.

If you choose not to receive certain interest based advertisements from digital advertising networks, third party ad servers, and others tracking visitors to and on our Sites, please click here. If you are using a mobile device, you may opt-out of interest based advertising or cross application advertising by reviewing the built-in privacy controls in your mobile device. Most mobile devices maintain functionality that will allow you to change your Mobile Advertising Identifier. And, you may also opt-out of interest based advertising by clicking on “Your Privacy Choices” on our Mobile Applications.

Please be aware that limiting the delivery of interest based advertisements from the digital advertising networks and third party ad servers identified on our Sites will not prevent the delivery of all interest based advertising to your devices. Many third party advertisers collect information about your browsing behavior across the Internet and across your devices. You will need to opt-out on each website that you visit in order to minimize the amount of interest based advertising that finds its way to your devices. And, limiting the delivery of interested based advertisements from the digital advertising networks and third party ad servers identified on our Sites, may not eliminate the collection of Automated Information about you while you browse the Internet, including on our Sites.
 

ANALYTICS

DHI Mortgage engages the services of certain digital analytics companies to gather qualitative and quantitative measurements regarding the operation and use of our Sites in order to improve their efficiency and effectiveness and provide an optimal experience for our customers. Our analytics providers gather site data generated when you visit our Sites, through JavaScript that they have installed on the pages of our Sites. And, these digital analytics companies may also use the data that they gather about you, while on our Sites and after you leave, for other purposes.

DHI Mortgage uses Google Analytics, which collects information about your use of our Sites. If you do not wish for your visit data to be reported to Google, please click here.  You can also manually delete any Cookies associated with Google Analytics from within your browser settings by looking for Cookies with “_ga” as part of their name, and deleting those Cookies.

If you are a resident of the European Economic Area, DHI Mortgage will not use Google Analytics in this manner without your consent.  If you have the right to request that we delete the Personal Information associated with you from our systems, and the Google Analytics information we have can be reasonably associated with you, we will delete that information as part of your request. 

Please note that limiting the collection of your visit information by our Third-Party Service Providers does not limit in any way the collection, analysis or use of such information by DHI Mortgage itself or our Affiliates. Moreover, limiting the collection and use of information by Google Analytics regarding your visit to our Sites will not limit, in any way, the collection and use of information by Google Analytics regarding your visit to other websites. To prevent such collection and use of information by Google Analytics regarding your visit to other websites, you must stop such collection on each website.

 

DEFINITIONS

Affiliates – Our Affiliates include, among others, D.R. Horton, Inc.; our title company affiliates doing business as DHI Title; our insurance company, D.R. Horton Insurance Agency, Inc.; Forestar Group, Inc. and other affiliated entities.
 
Anonymous Information – Anonymous Information is information that does not include Personal Information, or from which Personal Information has been deleted. Anonymous Information does not identify, and cannot be used to reasonably determine, the identity of an individual customer. Anonymous Information may include demographic and other general information that you may provide to us; some Automated Information collected through cookies, pixels and other technologies such as browser and other device information; general location information; and certain information collected from your mobile devices as a result of recognition of your Mobile Advertising Identifier (a unique numerical identifier) that is associated with your mobile device.

Automated Information – We and our Third-Party Service Providers have automated means of collecting certain information from you when you visit our Sites, or otherwise interact with us online. In many cases, the information that is collected using these automated technologies does not identify you personally, but instead is linked to an anonymous numerical identifier. Except as otherwise required by applicable law, where this information is associated with you, or could reasonably be associated with you, we treat information collected through automated means as “Personal Information” as defined elsewhere in this Interest Based Advertising and Analytics.

Cookies – Cookies are small pieces of text used to store information on web browsers.  Cookies are widely used across the Internet, including by Us, to store and receive identifiers and other information on computers, phones, and other devices.  We may also use other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, including Web Beacons and pixel tags, for similar purposes. In this Privacy Policy, we refer to all of these technologies as “Cookies.”

European Economic Area – The European Economic Area consists of the Member States of the European Union as well as Liechtenstein, Iceland, and Norway.

Flash Cookie – A Flash cookie, otherwise known as a Local Share Object, or LSO, is a group of data that a website running Adobe may place on a website visitor’s browser. Similar to other Cookies, flash Cookies gather data about your Internet activity.

IP Address – An IP Address is a unique string of characters that identifies each computer using the Internet Protocol to communicate over a network.

JavaScript – JavaScript is a programming language that allows a web designer to implement complex functionality on web pages such as displaying timely content to a website visitor.

Mobile Advertising Identifier – A Mobile Advertising Identifier is a randomly-generated alphanumeric code that is associated with your device. They are called Google Advertising ID or GAID on Android devices or on iOS, they are called Identifiers for Advertisers or IDFAs.  They often come with options to reset the identifier and opt-out of Cross-App Advertising.  They are included on your devices to provide advertisers a method to identify your devices without using a permanent device identifier like your phone’s serial number.

Mobile Applications – Our Mobile Applications are our mobile sites, applications, and mobile interactive features.

NPPI - NPPI generally includes non-public personally identifiable financial information that we have collected from or about you, or that has resulted from a transaction for you in our delivery of financial products and services to you.  NPPI also includes any list, description, or other grouping of consumers and their publicly available information that is derived using any personally identifiable financial information that is not publicly available.

Personal Information – Personal Information is information that identifies, relates to, describes or is reasonably capable of being associated with you.  Personal Information includes Identifiers such as your name, signature, social security number, physical characteristics or description, user name, physical address, IP Address, phone number, driver’s license or state identification card number, email address, debit card information or other financial information, profile pictures or social media account ID.

Sites – Our Sites include this Website, our mobile sites, applications, and mobile interactive features (our “Mobile Applications”), and our social media pages such as those on Facebook, Twitter and Instagram (our “Social Media Pages”).

Third-Party Service Providers – Our Third-Party Service Providers include marketing companies, digital advertising agencies, third-party ad servers, third-party email servers, investor relation firms, payment processors, financial institutions, data aggregators, analytics providers, and third-party advertising networks.