ONLINE PRIVACY POLICY

This Online Privacy Policy relates to the information Bark Mortgage, LLC (“we” “us” or “our”) collects online, including through the use of our mobile application. See below for our consumer privacy policy required by federal law. By accessing our website or using our electronic services, you consent to the terms of this Policy.

Visiting Our Website

If you visit our website and do not use any of our online services (e.g. submission of an online loan application), then we collect and store your domain name from which you access the Internet, the date and time you accessed our website, information regarding the website from which you linked directly to our website, and your zip code. We may record the “IP address” assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to different sections of our site, and to help make our website more useful to visitors.

Using Our Services

You should always completely log out of our website services before visiting other sites and/or restarting your computer. This may clear cookies as discussed below. We also recommend that you do not visit other sites while accessing online services with us (including during the submission of an application).

When you use our website or our mobile application to engage in electronic services, there may be times when you are asked to provide information about you that is personally identifiable information. This personally identifiable information may be used in connection with opening or logging into online services, or to accomplish transactions you request. We would never request this information in an unsolicited email or text. We caution you on clicking on links in emails or responding to emails you have received, particularly when the message is urgent or threatening. If you do, you may unwittingly download viruses or spyware that may cause you to be redirected to a fraudulent site, even when you type in a legitimate site address. Please send suspicious emails to us at admin@barkmortgage.com.

Cookies and Other Technologies

As mentioned above, we collect information from your online visits to improve our website and mobile application. We do so through the use of various technologies, including the use of cookies, web beacons, and other use-tracking devices.

Definitions

Cookies. A “cookie” is a piece of data from a website that is stored in a user’s web browser that the website can retrieve at a later time. A “session cookie” is a cookie that exists in temporary memory only while the user is reading and navigating a particular website. A session cookie is typically deleted when the user closes his or her browser. A “persistent cookie” is a cookie that generally outlasts the user’s current online session and may be sent back to the server every time the user visits the same website. Persistent cookies are commonly referred to as “tracking cookies” since the user’s activity on a particular website may be tracked over time.

Web Beacons. A “web beacon” is an object that is embedded in a webpage or email and is usually invisible to the user. It allows the owner of the webpage or email to check that a user has viewed the page or email.

Use of Cookies

You may elect to set your browser to reject cookies. However, we do not recommend disabling cookies on our website because it may prevent our website or mobile application from functioning correctly. If you refuse cookies, you assume all responsibility for any resulting loss of functionality.

Use of Web Beacons

With the assistance of a cookie, web beacons may collect the IP address of your computer, the URL of the page the beacon comes from and the time it was viewed, or other personal information. We reserve the right to use web beacons to track data to make our website, mobile application, and emails better.

Use of SMS/Text Messaging

If you use any SMS/text messaging services or otherwise permit us to communicate with you via SMS/text, we may collect your mobile phone number, your carrier's name, and the date, time, and content of your messages, and other information that you may provide through your mobile device (“Data”). We may use the Data to open, administer, and maintain your account. This includes contacting you regarding your account(s). We may store your information on our systems or those operated by a vendor on our behalf.

Use of Biometric Technologies

We may collect, share, and store your biometric information and biometric identifiers (“Biometric Information”). This may include a request to access data located on the device used to access digital banking, including but not limited to, biometric, camera, contacts, and location data. We may collect and share Biometric Information from you in order to assist us with validating and authenticating your identity. You will have the option to provide certain Biometric Information using our proprietary systems or through protocols provided by our third party vendors. You will be prompted to allow access to the Biometric Information. If you do not allow access, certain features of online and mobile banking may not be fully functional.

We only share your Biometric Information with our third party vendors to the extent necessary to enable us to provide you with our services. Biometric Information used to authenticate your identity in the online account opening process will be retained for 30 days after authentication. Voiceprints will be retained for as long as you remain enrolled in the associated service. Following the termination of your account or your un-enrollment from the associated services your voiceprint biometric information will be permanently deleted. You will need to re-enroll in order to utilize any of the services which rely on your voiceprint.

Use of Other Technologies

We may use other use-tracking devices, which may change from time-to-time as technology changes, to help diagnose problems and to administer our website. Our website may include advertisements for third parties and their products, and those third party advertisements and websites may include a cookie, web beacons, or other technologies. We do not have control over what a third party tracks and what information they may collect.

Other parties that may collect personal information about you when you use one or more of our websites once or over time are generally limited to service providers with whom Bark Mortgage, LLC may share in order to administer, process or service the product or service you are using online.

Sharing Information

We only share Personal Information about our customers or former customers as permitted by law. We may share Personal Information to protect against fraud, as part of an audit or examination, to protect and defend our rights and property, to act in an emergency, or to protect someone’s safety.

As we develop our business, we may also buy and sell assets, and your Personal Information may be one of the transferred assets. In the event that we are acquired by another company, your personal identifiable information may be part of the assets transferred to the acquiring party.

Please be aware that services provided by other companies via links to their website from our website, are not subject to this Policy. We encourage you to review each website’s privacy policy before sharing information.

Children’s Privacy Online

We do not knowingly solicit, collect, or use personal information from children under 13 years of age. For information concerning the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission's website at www.ftc.gov.

Changes to our Online Privacy Practices

We reserve the right to change this Policy at any time without notice. Any updates to this Policy becomes effective when it is posted to our website. Your continued use of any portion of our website following the posting of the updated Policy will constitute your acceptance of the change(s).

Effective: April 15, 2024