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User Agreement & Privacy Policy

User Agreement

Done Right!® Terms of Use Agreement

Last Updated: 02-25-2010
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Done Right!®
The Done Right! Directory
35 East Colorado Bldv. 2nd Floor
Pasadena, CA 91105-1901
Customer Service: 800-936-0883
E-mail: customerservice@doneright.com

Table Of Contents

1. TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES

Please review this Terms of Use Agreement ("Agreement"). By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), and in particular by dialing one of our approved Service Providers – you are entering into a business relationship with us and our approved Service Providers and you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods). By contacting (or attempting to contact) one of our approved Service Providers, you further understand and agree to be contacted by Done Right!® and/or its approved Service Providers. We, and our approved Service Providers (whom you have called using one of the phone numbers Done Right!® has marketed), may contact you via telephone, facsimile, electronic mail, postal mail, or any other reasonable manner, even if you are on any “Do Not Call” lists.

You may at any time request that Done Right!® or its approved Service Providers include you on any internal “Do Not Call” list. THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see section 10). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites. For purposes of this Agreement, "You" or "Your" means the person(s) using the Websites, and/or the goods, facilities or services of Done Right!® (“DR”).

THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.

You understand and agree that by using our service:

DR operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes.

2. CONSUMER INFORMATION SECURITY POLICY

The DR Consumer Information Security Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Websites, received directly from you or transmitted to or from third parties.

3. COPYRIGHT, TRADEMARK AND SERVICE MARK NOTICES

All contents of the Websites are: Copyright © 1998-2010 Done Right!®, LendingTree, LLC and/or its subsidiaries and affiliates , its suppliers, and Service Providers. All rights reserved. Done Right!®, Done Right! Directory® and Done Right! Guarantee® are a service marks of Done Right!® and or LendingTree.com and its affiliates. Other product and company names mentioned herein, including the names of third party service providers, may be the trademarks of their respective owners.

Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of DR or the applicable Mark holder specific for each such use. The Marks may not be used to disparage DR, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by DR in writing.

The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. DR owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of DR and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

You agree that we own all database, compilation, collective and similar rights, title and interest worldwide in our member and merchant directories, and all information and derivative works generated there from.

Additionally, you agree that we own any other information we generate or obtain in connection with the provision of our services, our website, and our Done Right!® Guarantee. You may not copy any information, in any form whatsoever, from any database, compilation, or collective work, including the member and merchant directories, using any means, mechanical or otherwise, without our prior written consent.

4. DISCLAIMERS AND LIABILITY

DR intends that the information contained in the Websites is for information purposes only and that it be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by DR at any time. Under no circumstances will DR be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

IF YOU RELY ON ANY INFORMATION OR SERVICE AVAILABLE THROUGH THIS WEBSITE, YOU DO SO AT YOUR OWN RISK. THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". EXCEPT AS PROVIDED FOR IN OUR “Done Right! Guarantee®” YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS YOU MAY INCUR THAT RESULTS FROM YOUR USE OF ANY SERVICE OR ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS WEBSITE. To review the Done Right! Guarantee click here.

DR AND/OR ITS SUPPLIERS, INVESTORS, PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR DR’s SERVICES IS AT YOUR OWN RISK. DR AND/OR ITS SUPPLIERS, AND PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR DR’s SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO DR RECORDS, PROGRAMS OR SERVICES , OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF DR AND/OR ITS SUPPLIERS, PROVIDERS OR REAL ESTATE PROFESSIONALS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

5. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

DR and the Service Providers may choose to electronically deliver all information related to its services and your requests. DR and its Service Providers’ electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, and other terms, conditions and documents, and the privacy policies of DR and Service Providers. You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with DR, and the Service Providers. This means that DR and the Service Providers may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Service Providers or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.

Technical Requirements To access and retain information and notices we send or make available to you electronically, you will need:

  • Internet access with 128-bit encryption
  • Adobe Acrobat Reader 6 or higher
  • Ability to Print Internet Explorer 6 or higher
  • Netscape 8.04 and above (Use in IE mode)
  • Email Access or Firefox version 1.5

6. PRIVACY POLICY

The DR Privacy Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Websites or received directly from you.

7. INDEMNITY

As a condition of use of the Websites and/or DR’s services, you agree to indemnify DR and its suppliers, its Service Providers or other related parties from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

8. LINKS TO THIRD PARTY WEBSITES

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. DR does not operate or control in any respect any information, software, products or services available on such websites. DR inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave the Websites please note that DR is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

9. ERRORS AND DELAYS

DR is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

10. DISPUTE RESOLUTION

Any claim or controversy arising out of or relating to the use of the Websites, to the goods or services provided by DR, or to any acts or omissions for which you may contend DR is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time, including but not limited to the Supplementary Procedures for Consumer Related Disputes. The arbitration shall be venued in Orange County, California except for consumers for whom a different location would be more reasonably convenient. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to DR. To begin the arbitration process, a party must make a written demand therefor.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto, except in Maine where state law will control all rights and remedies in the arbitration. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties shall jointly select another arbitrator. In the event the parties are unable to agree on a neutral, the claimant may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration), as provided for in Section 5 of the Federal Arbitration Act.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND DR WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using DR’s goods, facilities and services, you consent to these restrictions.

Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and DR, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Orange County, California. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees.

11. OTHER TERMS

This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Websites, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Websites and any operating rules for the Websites established by DR) constitutes the entire agreement between you and DR and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and DR with respect to the Websites and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of California, excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved. You may not link to any webpage on our website except to the main page located at www.doneright.com without our expressed written consent. You may not frame, or in-line link, to any web page located on this website, nor use in any manner the content of the website without our prior written consent. Requests for consent may be sent to info@doneright.com Use of certain elements our service and our website requires user registration. You agree that you will register only if you are 13 years, or older. You further agree that all information you supply during registration will be accurate and complete. In the event we make use of user names and passwords you are responsible for keeping your user name and password secret and will promptly notify us of any known or suspected unauthorized use of your account.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Privacy Policy

Privacy Policy

Our privacy policy has changed. Please review the policy below.

Updated: 3-91-2011


This website is owned and operated by Tree.com, Inc. or a Tree.com, Inc. subsidiary, division or line of business (“Tree”). For a list of Tree subsidiaries, divisions, lines of business and websites (collectively, “Tree Businesses”) please see “Tree Businesses” below. We want you to understand what information we gather about you, how we use it and the safeguards we have in place to protect it. This Privacy Policy applies to information collected through this website and otherwise. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as the website’s Terms of Use and all of its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

  • Information we Collect

  • How we Collect and Use Information

  • With Whom do we Share Your Information

  • Tree.com Considerations

  • Non-Personally Identifiable Information

  • Third Party Links and Policies

  • Special Notice to California Residents

  • Special Notice to Vermont Residents

  • Updating and Accessing Your Information

  • Choices about Collection and Use of Your Information

  • Visiting Our Website from Outside the United States

  • No Rights of Third Parties

  • How to Contact Us

  • Tree Businesses

  1. Information We CollectWe collect personally identifiable information that can identify you such as your name, e-mail address and Social Security Number (“Personally Identifiable Information” or “PII”). We also collect information such as demographic data and data about your online activity on our website that does not identify you (“Non-Personally Identifiable Information” or “Non-PII”). PII and Non-PII are known together as “Information”. We may also collect and store Information that you provide to us about other people (such as co-borrowers), including their name, address, phone number and Social Security Number.

  2. How We Collect and Use Information.

    1. How We Collect Information

      1. From YouWe collect Information you provide to us: (a) in connection with inquiring about or obtaining our services; and (b) in connection with a job application. The Information we collect from you will vary depending on the product or service requested.

      2. Other SourcesWe may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. We do not pull a credit bureau report on loan customers without their permission.

      3. Automatic Collection, Cookies and Other Internet Technologies.We use cookies, web beacons and other standard internet technologies to collect information from your computer and about your activities on our website. We automatically collect Non-PII from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us and the referring website address.

        1. Cookies A cookie is a small text file that is stored on a user’s computer for record keeping purposes.

          1. When you visit our website, we may assign your computer one or more cookies to facilitate access to our website, personalize your online experience and record information about your visit. Through the use of a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on and other actions you take while on our website. The cookies do not store any PII about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that some of the features and services of our website may not function properly.

          2. We may allow third-parties, advertising companies and ad networks (“Advertisers”) to display advertisements on our website. Advertisers may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any PII to these Advertisers, but they may collect information about where you, or others who are using your computer, saw and/or clicked on the advertisements they delivered, and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect directly from you. The collection and use of that personal information is subject to the particular Advertiser’s privacy policy. Some of these Advertisers may be members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies. For a list of Advertisers we typically use, click here.

        2. Other TechnologiesWe may use web beacons and other standard Internet technologies to track your use on our websites. Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon.

    2. How We Use Information.

      1. In General.We may use Information to:

        • Deliver the products and services you requested;

        • Manage your customer relationship and provide you with customer support;

        • Research and analyze your use of, or interest in, our products, services and content and the products, services and content offered by others;

        • Communicate with you via e-mail, postal mail and/or mobile devices about products or services that may be of interest to you;

        • Develop and display content and services tailored to your interests on our website and other websites;

        • Develop and deliver targeted advertisements;

        • Measure the overall effectiveness of our online advertising, content, programming and other activities;

        • Verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;

        • Manage our business; and

        • Perform functions as described to you at the time of collection.

      2. Financial Information.Depending on the service requested, we may use financial information to: match you with real estate agents, real estate brokers, lenders, provide you with lenders' conditional loan offers, verify your identity, protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business. If you request a loan through LendingTree Loans or Home Loan Center, we will use financial information to determine your eligibility for a loan and to charge you for any lock, processing or appraisal fees. If you request real estate brokerage services through a RealEstate.com-affiliated agent, we will use your financial information and information about your home to provide real estate brokerage services directly to you. If you submit an iNest form we may use home price information to match you with appropriate home builders.

      3. Job Applicants.. If your PII is submitted when applying for a position with us, the information will be used solely in connection with considering and acting upon your application. We may retain your PII for a period of time, but only for the purpose of considering your application for current or future available positions or as required by law.

  3. With Whom do we Share Your Information

    1. Tree Businesses.We may share your Information with Tree Businesses. All Tree Businesses adhere to this Privacy Policy. We will not share with other Tree Businesses any PII if that information bears on your creditworthiness. Except as described in this policy, we will not disclose your PII to others outside of the Tree Businesses.

    2. Lenders or Investors. In submitting a request for a loan product or service offered through this website, when you click “Accept and Continue” or otherwise signify your agreement to proceed you are consenting to the disclosure of your PII with lenders in our network (“Lenders”) with whom you are or may be matched. If you are matched with LendingTree Loans we will share your PII with third party investors to whom LendingTree Loans intends to transfer your loan after closing. Please note that no credit check will be performed by us unless you authorize us to do so by submitting a completed loan request.

      Be aware that the Lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from ours.

    3. Real Estate Agents, Brokers and Home Builders.If you submit a request form, including “Find-a-REALTOR®” request, iNest request or New Homes Realty form, we may share your Information with real estate agents, brokers or home builders on our network in which you have expressed interest. We will not share Information with other real estate agents, brokers or home builders not disclosed to you. Be aware that the real estate agents, brokers or home builders with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.

    4. Referrals for your Non-Mortgage Business.. When you express interest in other products, services, promotions that we offer (by, for example, completing a request for such services), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, “Business Providers”). When you choose to participate in a particular offer or program, you authorize us to provide PII to those Business Providers. Be aware the Business Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.

    5. Services Providers We may share your personal information with our authorized service providers that perform certain services on our behalf, including service providers that perform services on our behalf in connection with your request for a loan or the funding, sale and/or servicing of your loan. These third parties include, without limitation credit bureaus, title companies, flood or other insurance companies, appraisal companies, escrow companies, closing agents, marketing and customer services firms, credit card, or entities that provide business analysis or website support. These third parties may have access to PII needed to perform their functions.

    6. Other SituationsWe also may disclose your information at our sole discretion:

      • In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.

      • When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our websites' terms and conditions or other agreements or policies.

      • In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.

  4. Tree.com ConsiderationsFor certain products and services available through www.tree.com, we will not share your email address or phone number with the Business Provider or Lender with whom you are matched. Where this feature is available for a product or service, it will be noted on the web page for that product or service. Nevertheless these Business Providers and Lender will still receive other PII about you and they may retain or use your PII whether or not you use their services and you should contact these Providers or Lenders directly concerning their privacy and information sharing practices, which may differ from ours. If you provide your Information on any other website besides www.tree.com, this Section 4 will not apply.

  5. Non-Personally Identifiable Information.We may share Non-PII with third parties in our discretion.

  6. Third Party Links and Policies.Our website contains links to other websites owned and operated by third parties. These third parties and their servers may be located in the United States or in other countries. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle Information they may collect about you.

  7. Special Notice to California Residents.If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

    1. We will not share any personal information about you with other Tree Businesses to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and

    2. You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

      1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year

      2. the names and addresses of the third parties that received that information; and

      3. iii. if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

    • We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is privacy@tree.com.

  8. Special Notice to Vermont Residents.We will not share any personal information about you with other Businesses to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

  9. Updating and Accessing Your Information.The appropriate method(s) for accessing your Information, if any, will depend on which sites or services you have used. Depending on the respective service, you may have the ability to view or edit some of your Information online. If you have submitted a loan request with us, you can update your personal information by contacting our Customer Care Department at customercare@lendingtree.com. Our address is 11115 Rushmore Drive, Charlotte, NC 28277.

  10. Choices about Collection and Use of Your Information.

    1. You can choose not to provide us with certain information, but that may result in the inability to use certain features of our websites or receive certain products or services. Public forums are not intended for the disclosure of PII. To the extent you provide PII in any public forum, it is at your own risk.

    2. Federal and state regulations require that we store completed loan requests for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our database until the expiration of the applicable period.

  11. How we Protect your PII. We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your PII from unauthorized access and disclosure. In addition to the restrictions outlined above, we require employees to comply with information security safeguards, we use encryption in the transmission of your PII between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your PII.

    No system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your PII, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their PII. Please refer to the Federal Trade Commission’s website for information about how to protect yourself against identity theft.

  12. Changes to this Privacy Policy.We may update or modify this Privacy Policy to reflect changes to how we will collect, use and/or share Information. Our Privacy Policy will reflect the date it was last updated. If we make material changes to this Privacy Policy, we will notify you either by prominently posting a notice of such changes before implementing them or by sending you electronic notification of the changes. Please check this Privacy Policy each time you use our websites to ensure you are aware of any changes in our practices. Your continued use of our websites will signify your acceptance of the changes to the Privacy Policy.

  13. Visiting our Websites From Outside the United States.This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

  14. No Rights of Third Parties.This Privacy Policy does not create rights enforceable by third parties or require disclosure of any PII relating to users of our websites.

  15. How to Contact Us.If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:

    • Privacy Officer
      Tree.com, Inc.
      11115 Rushmore Drive
      Charlotte, North Carolina 28277

    • or
    • privacy@tree.com

  16. Tree Businesses.Tree Businesses include, without limitation: DegreeTree, Done Right!, Domania, GetSmart, HealthTree, HLC Escrow, Inc., HLC Settlement Services, Inc., Home Loan Center, Inc., iNest, iNest Realty Minnesota, Inc., iNest Realty, Inc., InsuranceTree, LendingTree Alabama Title Services, LLC, LendingTree Autos, LendingTree Holdings Corp., LendingTree LoansSM, LendingTree Operations, LLC, LendingTree, LLC, LT Real Estate, Inc., LT Realty Services, New, Homes Realty, RealEstate.com, LLC, RealEstate.com, Inc., RealEstate.com Oregon, LLC RealEstate.com, REALTORS®, Tree Insurance Agency, Inc., www.careerdegreesource.com, www.careereducationsource.com, www.domania.com, www.degreetree.com, www.educationdegreesource.com, www.getsmart.com, www.justthrive.com, www.healthtree.com, www.homeloancenter.com, www.inest.com, www.insurancetree.com, www.investinyoureducation.com, www.lendingtree.com, www.newhomes.com, www.realestate.com and www.tree.com.

We may change, remove or add a Tree Business in our discretion without notice to you.

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