At Black Knight, Inc., we respect and believe it is important to protect the privacy of consumers and our customers. This Privacy Notice explains how Black Knight and its affiliates may collect, use, and protect any information that we collect from you for our own purposes, when and to whom we disclose such information, and the choices you have about the use of that information. A summary of the Privacy Notice is below, and we encourage you to review the entirety of the Privacy Notice following this summary. 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 notice.
|Personal Information Collected as a Third Party Service Provider. When we collect Personal Information as a third party service provider, we do so solely to provide services to lending institutions and mortgage loan servicers. The privacy notices of those lending institutions or mortgage loan servicers shall apply and you should refer to those privacy notices and/or contact them to understand how your Personal Information will be used. Some Black Knight companies 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.||Types of Information Collected. You may provide us with certain Personal Information about you, like your contact information, account information, demographic information, social security number (SSN), driver’s license, passport, other government ID numbers, and/or financial information. We may also receive Browsing Information from your Internet browser, computer, and/or mobile device.|
|How Information is Collected. We may collect Personal Information from you via applications, forms, and correspondence we receive from you and others related to transactions with you. When you visit our websites, we automatically collect and store certain information available to us through your Internet browser or computer equipment. In addition to information that we collect from you directly, we may also receive information about you from other sources, including third parties, our affiliates, or publicly available sources.||Use of Collected Information. We request and use your Personal Information to provide products and services to you, to improve our products and services, and to communicate with you about these products and services. We may also share your contact information with our affiliates for marketing purposes unless prohibited by applicable law or otherwise stated herein.|
|When Information is Disclosed. We may disclose your information to our affiliates and/or nonaffiliated parties providing services for you or us, to law enforcement agencies or governmental authorities, and as required by law.||Choices With Your Information. Your decision to submit information to us is entirely up to you. You can opt-out of certain disclosures or uses of your information or choose to not provide any Personal Information to us.|
|Password and Security. We may require the use of encryption technologies provided for your protection. We use reasonable precautions to protect the privacy of your username, password, and user account information, but we cannot guarantee the security of all information transferred over the Internet.||Information From Children. We do not knowingly collect information from children who are under the age of 16, and our website and other services are not intended to attract children.|
|Privacy Outside the Website. We are not responsible for the privacy practices of third parties, even if our website links to those parties’ websites.||Access and Correction. In the event this is applicable to you, if you desire to access or correct your Personal Information held by Black Knight, please contact us in the manner specified at the end of this Privacy Notice.|
|Employment Opportunities. We may allow prospective employees to request additional job opportunity information online. By submitting your information, you consent to its dissemination to, and use by, us and our affiliates.||Non-US Users. The website and our products and services are hosted in the United States and are governed by United States law. If you are using the website or our products or services from outside the United States, your Personal Information may be transferred to, stored, and processed in the United States. The data protection and privacy laws of the United States might not be as comprehensive as those in your country. By using the website or our products and services, you consent to your Personal Information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Notice.|
|Your Consent To This Privacy Notice. By submitting information to us or by using our website, you are accepting and agreeing to the terms of this Privacy Notice.||Not Financial Advice. We are not providing financial opinions or advice on any of the matters discussed or included on the website, and we will not be liable to any party for any act or failure to act relating to any advice listed on the website.|
Black Knight, Inc. (NYSE: BKI) (“Black Knight”, “our,” “us” or “we”) is a leading provider of integrated technology, data, and analytics solutions that facilitate and automate many of the business processes across the homeownership lifecycle. Black Knight is committed to being a premier business partner that lending institutions and mortgage loan servicers (collectively, “Lenders and Servicers”) rely on to achieve their strategic goals, realize greater success and better serve their customers by delivering best-in-class technology, services and insight with a relentless commitment to excellence, innovation, integrity, and leadership.
Black Knight respects and is committed to protecting your privacy. We will take reasonable steps to provide that your Personal Information (as defined herein) and Browsing Information (as defined herein) will only be used in compliance with this Privacy Notice and applicable laws. This Privacy Notice is only in effect for Personal Information and Browsing Information collected and/or owned by or on behalf of Black Knight through any Black Knight website, online service, or application (mobile or system) of Black Knight (collectively, the “Website”).
Personal Information Collected as a Third Party Service Provider
In almost all cases that Black Knight is receiving Personal Information, it is acting as a third party service provider to a Lender or 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 Lenders or Servicers. In cases where Black Knight is providing services to or on behalf of such Lenders or Servicers, we do not share consumer information with third parties, other than (1) those with which the Lender or Servicer has contracted to interface with the Black Knight consumer application, (2) those which Black Knight has contracted with in provision of those services, (3) law enforcement or other governmental authority in connection with an investigation, or civil or criminal subpoenas, court orders, discovery, or legal process, or (4) as directed by the Lender or Servicer. The privacy notices of those Lenders and Servicers shall apply and you should refer to those privacy notices and/or contact your Lender or Servicer to understand how your Personal Information will be used by such Lenders or Servicers.
For some Black Knight Websites we may be acting as a third party service provider to a Lender or Servicer. In those instances, we may collect certain information on behalf of that Lender or Servicer. During these transactions, we may collect some or all of the information on behalf of the Lender or Servicer that is described in the section below titled Types of Information Collected. Black Knight also provides applications and other software services to Lenders and Services, including digital applications. In those instances, we may collect certain information on behalf of that Lender or Servicer. During these transactions, we may collect some or all of the information on behalf of the Lender or Servicer that is described in the section below titled Types of Information Collected.
The information you submit is then transferred to your Lender or Servicer by way of our services. The Lender or Servicer is responsible for taking action or making changes to any consumer information that is submitted through the Website. For example, if you believe that your payment or user information is incorrect, you must contact your Lender or Servicer.
Generally, we retain the information that you submit to us for 90 days. In some instances, we may retain the information for up to 270 days. After 90 days (or 270 days, as applicable), we destroy all of the customer data and information that was submitted to us. If we receive a timely request from you, we can provide the information to the applicable Lender or Servicer that is acting on your behalf before we purge our workspace of such information.
If you are receiving consumer services and have questions regarding the choices you have with regard to your Personal Information or how to access or correct your Personal Information, you should contact your Lender or Servicer. We are not responsible or liable for the content, privacy policies, or practices of third parties.
Types of Information Collected
We, and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining and providing internal support for our Website, as well as third parties we may engage for improving our products and advertising for business to business purposes only, may collect two types of information from you: Personal Information and Browsing Information.
Personal Information. Black Knight may collect the following categories of Personal Information (“Personal Information”), which may include, among other things:
Browsing Information. Black Knight may collect the following categories of browsing information (“Browsing Information”), which may include, among other things:
How Information is Collected
In the course of our business, we may collect Personal Information about you from the following sources:
If you visit or use our Website, we may collect Browsing Information from you as follows:
Browser Log Files. Our servers automatically log each visitor to the Website and collect and record certain Browsing Information about each visitor. The Browsing Information includes only generic information and reveals nothing personal about the user.
Cookies. When you visit our Website, a “cookie” may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer’s hard drive. When you visit the Website again, the cookie allows the Website to recognize your computer. Cookies may store user preferences and other information. You can choose whether to accept cookies by changing your Internet browser settings, which may impair or limit some functionality of the Website.
Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser. We use first party cookies, which are cookies that we place on your device ourselves, and third party cookies, which are cookies that we allow third parties to place on your device.
Note that our providers remember that you have visited our website and this information may be shared with other organizations such as advertisers. This means after you are done using our Service you may see some advertisements about our Services elsewhere on the Internet. You may opt out of Google’s ad personalization through Google’s ad settings. Also see your choices below.
Use of Collected Information
Information collected by Black Knight is used for the following, primary purposes:
When Information Is Disclosed
We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) and Browsing Information to various individuals and companies, as permitted by law, without obtaining your prior authorization. Please see the section below titled Choices with Your Information to learn how to limit the discretionary disclosure of your Personal Information and Browsing Information.
Disclosures of your Personal Information may be made to the following categories of affiliates and nonaffiliated third parties, unless prohibited by applicable law:
We may disclose Personal Information and/or Browsing Information when required by law or in the good-faith belief that such disclosure is necessary to:
We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this policy.
You may choose to prevent Black Knight from disclosing or using your Personal Information and/or Browsing Information under the following circumstances (“opt-out”):
To the extent permitted above, you may opt-out of disclosure or use of your Personal Information and Browsing Information by notifying us by one of the methods at the end of this Privacy Notice. We do not share your Personal Information with non-affiliates for their direct marketing purposes.
We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this notice.
How We Protect Your Information
We maintain reasonable safeguards to keep your Personal Information secure. When we provide Personal Information to our affiliates or third party service providers as discussed in this Privacy Notice, we require that these parties agree to process such information in compliance with our Privacy Notice or in a manner that complies with applicable privacy laws. The use of your information by a trusted business partner may be subject to that party’s own Privacy Notice. Unless permitted by law, we do not disclose information we collect from consumer or credit reporting agencies with our affiliates or others without your consent. In the event that we are required by law to inform you of a breach to your nonpublic personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
In addition to the other rights herein, we have the right to share and use, for any purpose, the collected Personal Information that is in an aggregated, anonymized form, such that you are not identified (collectively, “De-identified Data”).
We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the Black Knight business and/or assets, or in the event of our bankruptcy, reorganization, insolvency, receivership or an assignment for the benefit of creditors. You expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. We cannot and will not be responsible for any breach of security by any third party or for any actions of any third party that receives any of the information that is disclosed to us.
We may disclose your Personal Information for any purpose disclosed by us when you provide the information. We may also disclose your Personal Information with your permission or as directed by you.
Choices with Your Information
You can make the following choices regarding your personal information:
Marketing Emails. You may choose to provide us with your email address for the purpose of allowing us to send free newsletters, surveys, offers, and other marketing materials to you, as well as targeted offers from third parties. You can stop receiving marketing emails by following the unsubscribe instructions in e-mails that you receive. If you decide not to receive marketing emails, we may still send you service related communications.
Access To Your Personal Information. For information that we collect on our own behalf we will grant you, where required by law, reasonable access to the personal information that we have about you. You may request access to your personal information by contacting us through the process described below. If we are processing your information on behalf of one of our clients we will forward your request to that client and await instructions on whether access should be granted.
Changes To Your Personal Information. You can contact us through the process described below in order to request that your information be modified. If we are processing your information on behalf of one of our clients we will forward your request to that client and await instructions on any changes that they believe are appropriate. Note that we may keep historical information in our backup files as permitted by law.
Deletion Of Your Personal Information. We typically retain personal information that we collect on our own behalf for the period necessary to fulfill the purposes outlined in this notice, unless a longer retention period is required or permitted by law. You may request information about how long we keep a specific type of information, or request that we delete your personal information, by following the process described below. If we are processing your information on behalf of one of our clients we will forward your request to that client and await instructions from them on whether your information should be deleted.
Revocation Of Consent or Objections. You may revoke consent to processing (where our processing is based upon consent), or object to our processing (where our processing is not based upon your consent) by following the process described below. If you revoke your consent / object we may no longer be able to provide you services. In some cases we may limit or deny your request to revoke consent / object if the law permits or requires us to do so, or if we are unable to adequately verify your identity. If we are processing your information on behalf of one of our clients we will forward a revocation of consent to that client and await instructions from them on whether the processing to your information should cease.
Online Tracking. We do not currently recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” instructions.
Please address written requests and questions about your rights to email@example.com or call us toll-free at 833.256.4448.
Note that, as required by law, we will require you to prove your identity. We may verify your identity by phone call or email. Depending on your request, we will ask for information such as your name or the date of your last transaction with us. We may also ask you to provide a signed declaration confirming your identity.
In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf. We will require verification that you provided the authorized agent permission to make a request on your behalf. You must provide us with a copy of the signed permission you have given to the authorized agent to submit the request on your behalf and verify your own identity directly with us. If you are an authorized agent submitting a request on behalf of an individual you must attach a copy of the following information to the request:
If we do not receive both pieces of information, the request will be denied.
To opt out of targeted advertising by Google, you can go to Google’s ad settings.
You may also install the DoubleClick opt-out add-on. Once installed, even if you clear all your cookies and restart your browser, it will prevent the DoubleClick cookie from being saved to your browser.
Alternatively, to opt out of interest based advertising or to learn more about the use of this information, you can visit the Network Advertising Initiative, (http://www.networkadvertising.org/managing/opt_out.asp ) the Digital Advertising Alliance (http://www.digitaladvertisingalliance.org ). If you choose to opt out, an opt-out cookie will be placed on your computer. The opt-out cookie is browser-specific and device-specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie will not work for essential cookies. If the cookie is removed or deleted, if you upgrade your browser, or if you visit us from a different computer, you will need to return to the links above to re-select your preferences.
Please note that these actions do not opt you out of certain advertising. You will continue to receive generic ads.
All cookies: You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provides information on how to accept cookies, disable cookies, or to notify you when receiving a new cookie. If you do not accept cookies, you may not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.
Google Analytics: See https://policies.google.com/technologies/partner-sites for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics, which can be found here: https://tools.google.com/dlpage/gaoptout.
For California and Delaware Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by law.
For Nevada Residents: You may be placed on our internal Do Not Call List by calling 833.256.4448 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132 or 888.434.9989 (Toll-free); email: AgInfo@ag.nv.gov .
For Oregon Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes.
For Vermont Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization. For joint marketing in Vermont, we will only disclose your name, contact information and information about your transactions.
Passwords and Security
For certain features or services available through the Website, we may require the use of encryption technologies provided for your protection. Certain users of the Website may be able to create a user account to access certain features of our Website. We use reasonable precautions to protect the privacy of your username, password, and other user account information.
You are ultimately responsible for protecting your username, password, and other user account information from disclosure to third parties, and you are not permitted to circumvent the use of required encryption technologies. You agree to: (a) immediately notify us of any unauthorized use of your username, password, and/or user account information, and/or any other breach of security; and (b) make sure that you log out from your user account at the end of each session. While we may provide certain encryption technologies and use other reasonable precautions to protect your confidential information and provide suitable security, we do not and cannot guarantee or warrant that any information transmitted through the Internet is secure, or that such transmissions are free from delay, interruption, interception or error.
Information from Children
The Website is meant for adults. We do not collect Personal Information from any person that we know to be under the age of sixteen (16) without permission from a parent or legal guardian. Specifically, the Website is not intended or designed to attract children under the age of sixteen (16). You affirm that you are over the age of 16 and will abide by the terms of this Privacy Notice.
Parents and legal guardians should be aware that this Privacy Notice will govern our use of Personal Information, but also that information that is voluntarily given by children – or others – in email exchanges, bulletin boards, or the like, may be used by other parties to generate unsolicited communications. We encourage all parents and legal guardians to instruct their children in the safe and responsible use of their Personal Information while using the Internet.
Privacy Outside the Website
The Website may contain links to other websites. Black Knight is not and cannot be responsible for the privacy practices or the content of any of those other websites. Please check with those websites in order to determine their privacy policies and your rights under them.
We may use the services of third party service providers, for example to process payments and other transactions. By using our Website, you grant us all necessary rights and consents under applicable laws to disclose to our third party service providers – or allow such third party service providers to collect, use, retain, and disclose – any Personal Information for purposes of providing services to you, including data that we may collect directly from you using cookies or other similar means.
Access and Correction
To update or correct your Personal Information in the possession of Black Knight, please contact us in the manner specified at the end of this Privacy Notice. However, in those cases where we are acting as a third party service provider to a Lender or Servicer, you must contact your Lender or Servicer.
In addition to the ability to print this notice from this site here, users with disabilities may request a copy of this notice by sending a written request to Black Knight Inc. Attention Privacy Office, 601 Riverside Avenue, Jacksonville, Florida 32204. Also, if you are visually impaired, you may access this notice through audio readers on our website.
The Website and our products and services are hosted in the United States and are governed by United States law. If you are using the Website or our products or services from outside the United States, please be aware that your Personal 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 the Website or our products and services, you consent to your Personal Information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Notice.
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.
Not Financial Advice
You acknowledge and agree that by providing you with access to and use of the Website, we are not providing financial opinions or advice on any of the matters discussed or included on the Website, and we will not be liable to any party for any act or failure to act relating to any advice listed on the Website. You further acknowledge that none of the information contained on the Website constitutes a solicitation, offer, opinion, or recommendation by Black Knight to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment.
Your Consent to this Privacy Notice
By submitting Personal Information and/or Browsing Information to Black Knight, you consent to the collection and use of information by us in compliance with this Privacy Notice unless you inform us otherwise by means of the procedure identified below. Amendments to the Privacy Notice will be posted on the Website. Your use of the Website following such publication of any amendment of this Privacy Notice will signify your assent 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.
We may update or modify this Privacy Notice from time to time. We will post the changes to this page, and will indicate the date they go into effect. We encourage you to review our Notice to stay informed. If we make changes that materially affect your privacy rights we will notify you of the changes by posting a prominent notice on our website or using other methods that we select, such as sending you an email.
Information for California Residents. California Civil Code indicates that organizations should disclose certain categories of personal information, that they collect on their own behalf and for which they determine the purposes and means of the processing, of information are “sold” or transferred for an organization’s “business purpose” as those terms are defined under California law. You can find a list of the categories of information about employees that we share here, and you can find a list of the categories of information about other consumers that we share here. Please note that because this list is comprehensive it may refer to types of information that we share about people other than yourself. 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 who exercise any of their rights described in this policy.
Please transmit any requests to:
Black Knight, Inc.
601 Riverside Avenue
Jacksonville, Florida 32204
Attn: Chief Compliance Officer
EFFECTIVE AS OF: June 1, 2020
LAST UPDATED: June 1, 2020
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