United States Real Estate Corporation (“USREC,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit or interact with www.usrecorp.com and other webpages that link to this Privacy Policy (collectively, the “Website”).
The Website provides general information about USREC, a certified Community Development Financial Institution, its real estate lending activities, community-development mission, impact, institutional capital needs, and related business matters. It is intended principally for banks, financial institutions, foundations, government agencies, grantmaking organizations, and other prospective institutional or business partners. The Website is not intended to offer consumer financial products or services.
1. Scope of This Privacy Policy
This Privacy Policy applies to personal information collected through the Website and through communications that originate through or directly relate to the Website. It also describes information we may receive when a Website-originated inquiry progresses into an institutional, grantmaking, financing, diligence, or business-development discussion. It does not govern third-party websites or services, or information governed by a more specific privacy notice, confidentiality agreement, financing document, grant term, or other definitive written agreement. To the extent of a conflict, the more specific notice or definitive written agreement will control.
2. Information We Collect
Information You Provide Directly
When you contact us, submit an institutional inquiry, or otherwise interact with the Website, we may collect information you choose to provide, including:
- First and last name
- Business or professional email address and telephone number
- Organization, employer, institutional affiliation, business address, and website
- Job title, position, professional role, and authority to act for an organization
- State, country, and other general location information
- Type of organization or institutional relationship
- Areas of interest, such as CRA-related financing, grants, deposits, loans, credit facilities, equity-equivalent investments, loan purchases or participations, guarantees, credit enhancements, technical assistance, or partnerships
- Information included in an inquiry, communication, proposal, or description of a potential institutional or business relationship
- Records relating to form submission, acknowledgment of Website terms, and communication preferences
- Other information you voluntarily provide
If discussions progress, we may receive additional business, financial, identity, authority, beneficial-ownership, tax, regulatory, compliance, diligence, or transaction information through email, secure data rooms, service providers, or other channels. Please do not submit Social Security numbers, account credentials, wire instructions, bank-account information, government identification documents, confidential financial information, trade secrets, or other highly sensitive or confidential materials through ordinary Website forms or unencrypted email unless USREC specifically requests the information through an appropriate secure channel.
Information From Other Sources
We may obtain information from public records, professional directories and databases, referrals, intermediaries, banks, grantmakers, government agencies, service providers, counterparties, affiliates, and other lawful sources. This information may include professional contact information, employment or organizational information, authority to act for an organization, public filings, compliance-screening results, and information relevant to a potential institutional or business relationship.
Information Collected Automatically
When you visit the Website, we and our service providers may automatically collect certain technical and usage information, such as:
- Internet Protocol (IP) address
- Browser, device, operating-system, and language information
- Approximate location derived from IP address
- Referring pages, websites, and links
- Pages viewed, links selected, and interactions with the Website
- Date and time of access and duration of visits
- Cookie identifiers, log data, and similar technical information
- Security, fraud-prevention, and diagnostic information
3. How We Use Information
We may use personal information to:
- Operate, maintain, administer, secure, troubleshoot, and improve the Website
- Respond to inquiries and provide information about USREC, its activities, lending platform, mission, impact, and institutional capital needs
- Evaluate, develop, structure, negotiate, document, administer, monitor, and report on potential or actual CRA-motivated capital, grants, deposits, loans, credit facilities, equity-equivalent investments, loan purchases or participations, guarantees, credit enhancements, technical assistance, partnerships, and other institutional relationships
- Conduct business, financial, legal, regulatory, compliance, eligibility, diligence, sanctions, fraud-prevention, identity, authority, and security reviews
- Prepare or support grant applications, institutional diligence responses, financing proposals, reports, presentations, and related communications
- Manage institutional and business relationships and communicate about USREC activities, opportunities, or events where permitted by law
- Maintain business, administrative, accounting, audit, tax, compliance, and legal records
- Understand Website traffic, usage, performance, and visitor interests
- Detect, prevent, investigate, and respond to fraud, misuse, security incidents, unauthorized activity, or other harmful conduct
- Comply with applicable laws, regulations, examinations, legal processes, contractual obligations, and governmental requests
- Establish, exercise, protect, or defend legal rights and the rights, safety, and property of USREC and others
- Evaluate or complete a merger, acquisition, financing, restructuring, reorganization, sale of assets, or similar corporate transaction
- Carry out other purposes disclosed at the time information is collected, with your consent, or as otherwise permitted by law
We may also create and use aggregated or de-identified information for lawful business purposes. We may retain and use de-identified information without attempting to re-identify it except as permitted by law.
4. Cookies and Similar Technologies
The Website and our service providers may use cookies, pixels, tags, scripts, local storage, log files, and similar technologies to operate, secure, administer, measure, and improve the Website. These technologies may include those that are strictly necessary for Website functionality and security, those that remember preferences, and those that help us understand Website traffic, usage, and performance. Third-party service providers may set or read cookies and receive technical or usage information in connection with providing services to USREC, subject to their own privacy practices.
Depending on the technologies used and your location, the Website may provide a cookie-management or consent mechanism that allows you to make choices about certain technologies. You can also generally control cookies through your browser settings. Disabling certain cookies may affect Website functionality.
USREC does not currently sell personal information or share personal information for cross-context behavioral advertising, as those terms are defined under applicable California law. If our practices materially change, we will update this Privacy Policy and provide any notice, consent, or opt-out mechanism required by applicable law.
5. Browser Privacy Signals and Cross-Site Collection
Some web browsers and browser extensions transmit “Do Not Track,” Global Privacy Control, or other privacy-preference signals. Because there is not currently a uniform industry standard for responding to Do Not Track signals, the Website does not currently respond to Do Not Track signals. USREC will process legally recognized opt-out preference signals to the extent required by applicable law.
Providers of Website hosting, security, analytics, communications, or embedded content may collect technical and usage information over time and across different websites or online services in accordance with their own privacy practices. USREC does not knowingly authorize third-party advertisers to collect personal information through the Website for cross-context behavioral advertising unless the practice is disclosed and any legally required choices are provided.
6. How We Disclose Personal Information
We may disclose personal information, as appropriate, to:
- USREC affiliates, subsidiaries, officers, directors, employees, and authorized representatives
- Service providers and contractors that support website hosting, information technology, cybersecurity, analytics, customer-relationship management, communications, data storage, document management, diligence, recordkeeping, and related business functions
- Professional advisers, including attorneys, accountants, auditors, consultants, insurance professionals, and other advisers
- Banks, financial institutions, foundations, grantmaking organizations, government agencies, lenders, institutional capital providers, co-investors, participants, loan purchasers, counterparties, administrators, consultants, and prospective or actual business partners where reasonably necessary for a legitimate institutional or business purpose
- Government authorities, regulators, examiners, law enforcement, courts, and other parties when required or permitted by applicable law, regulation, legal process, or governmental request
- Parties reasonably necessary to protect the rights, safety, security, or property of USREC, Website users, or others, or to investigate or prevent fraud, misuse, or unlawful activity
- Successors, financing sources, advisers, or transaction parties in connection with a proposed or completed merger, acquisition, financing, restructuring, sale of assets, reorganization, or similar corporate transaction
We may also disclose information with your direction or consent, at your organization’s request, for a purpose disclosed when the information is collected, or as otherwise permitted by applicable law.
7. Data Retention
We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to respond to inquiries, evaluate and administer potential or actual institutional relationships, maintain appropriate business records, satisfy legal, regulatory, audit, tax, accounting, security, and contractual requirements, resolve disputes, enforce agreements, and protect our legitimate business interests. Retention periods may vary depending on the nature of the information, the status of the relationship, applicable limitation periods, and legal or regulatory requirements. We may retain information longer where reasonably necessary for litigation holds, investigations, examinations, or other lawful purposes.
8. Data Security
We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. Our measures are designed to be appropriate to the nature of the information and our operations. However, no method of transmission over the Internet, email communication, or electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for using appropriate security measures and approved secure channels when transmitting sensitive or confidential information to USREC.
9. California Privacy Rights
If you are a California resident, you may have rights under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), or other California privacy laws, to the extent those laws apply to USREC and to the personal information at issue. Subject to applicable exceptions and limitations, these rights may include the right to:
- Know or access categories and specific pieces of personal information collected about you, together with certain information about sources, purposes, and recipients
- Request deletion of certain personal information
- Request correction of inaccurate personal information
- Receive certain personal information in a portable format, where applicable
- Opt out of certain sales or sharing of personal information, if applicable
- Limit certain uses or disclosures of sensitive personal information, if applicable
- Receive non-discriminatory treatment for exercising applicable privacy rights
USREC does not currently sell personal information or share personal information for cross-context behavioral advertising, as those terms are defined under applicable California law. If our practices change in a manner that triggers additional rights or disclosures, we will update this Privacy Policy and provide any required mechanism.
To submit an applicable privacy request, contact us at [email protected]. Please include “Privacy Request” in the subject line and describe your request with sufficient detail. We may request information reasonably necessary to verify your identity, authority, residency, or the scope of the request. An authorized agent may submit a request where permitted by law, subject to appropriate verification. We may deny or limit a request as permitted by applicable law and will respond within the period required by applicable law.
10. Other Privacy Rights
Depending on where you reside and applicable law, you may have additional rights relating to your personal information, such as rights of access, correction, deletion, restriction, objection, portability, or withdrawal of consent. These rights are subject to applicable legal requirements, exceptions, and limitations. USREC will honor such rights to the extent required by applicable law.
11. United States Processing
USREC is based in the United States. Information collected through the Website may be transferred to, stored in, or processed in the United States and in other locations where USREC or its service providers operate. Privacy and data-protection laws in those locations may differ from the laws where you reside.
12. Children’s Privacy
The Website is intended for an institutional and business audience and is not directed to children. We do not knowingly collect personal information from children under 13 through the Website. If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.
13. Third-Party Websites and Services
The Website may contain links to, or embedded content from, third-party websites, platforms, or services. USREC does not control those third parties and is not responsible for their content, availability, security, or privacy practices. A link or integration does not constitute an endorsement or affiliation unless expressly stated otherwise. Your use of third-party websites and services is subject to their own terms and privacy policies.
14. Nature of This Privacy Policy; Other Agreements
Except where applicable law provides otherwise, this Privacy Policy describes USREC’s current practices and is not intended to create contractual, fiduciary, or third-party-beneficiary rights or obligations. A more specific privacy notice, confidentiality agreement, financing document, grant term, or other definitive written agreement may apply to a particular relationship or transaction and will control to the extent of any conflict.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, technology, legal requirements, or privacy practices. When we make changes, we will update the Effective Date above and provide any additional notice required by applicable law. Changes will apply prospectively from the effective date unless applicable law permits or requires otherwise.
16. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact:
United States Real Estate Corporation
Los Angeles, California
Email: [email protected]
Phone: (818) 851-9725