What information we collect and how we use it

Personal Information.

100K Investing is committed to appropriately managing any personal information you share with us when using our Services. Personal information means information that can be used to identify an individual, such as a first and last name, home or work or other physical address, telephone number, email address, (collectively, “Personal Information”).

100K Investing will use the Personal Information you provide to perform the function for which you provide it. For example, we use that Personal Information for evaluating your eligibility for a product or service.

Passive Data Collection.

We are always working to make your online experience the best available. Various tools and techniques are used to gather and analyze website visits and sessions. One of the ways we may gather information about customer visits is through cookies. Some Services may utilize cookies, web tags, or other tracking technologies. A cookie is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. A web tag is code or a pixel embedded in a web page, or email, that allows 100K Investing or a third party to see that you have looked at that page.

We may use cookies and web tags to enable our servers to recognize your web browser and tell us how and when you use the Services. Our cookies do not, by themselves, contain information that personally identifies you, and we don’t combine the general information collected through cookies with other such information to tell us who you are. However, we do use cookies to identify that you have logged in, if there is a log in needed, and that your web browser has accessed the Services. We may also store unique or near-unique identifiers that we associate with your Account in our cookies.

Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. 100K Investing may use analytics tools and other third party technologies, such as Google Analytics, to collect these website usage and user metrics on our online Sites (as defined by the Unison Terms of Use) and/or Services. Note that, unless otherwise disclosed, this Privacy Policy covers our use of cookies only and does not cover the use of cookies by third parties.

Information in our tools.

We may make planning tools, such as mortgage and savings calculators, available. We do not currently store information that you enter into one of these planning tools or calculators in a format that identifies you. We do not represent the accuracy and use of these tools and you should independently verify the results.

Location Information.

In some cases, we may collect and store information about where you are located, such as by converting your IP Address into a rough geolocation. We may use location information to improve and personalize the Services for you, for example by showing you relevant local content.

Children.

The Website is not directed to children under thirteen year of age. It is the policy of 100K Investing not to knowingly collect, and 100K Investing does not intend to collect, personally identifiable information on children under the age of thirteen.

How your information is protected

We take a number of steps to protect your personal information. Consistent with industry standards, we have implemented security policies to protect and safeguard the personal information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. We authorize our employees, agents, service providers and contractors to get information about you only when they need it to do their work for us. We require companies working for us to protect information. They agree to use it only to provide the services we ask them to perform for us.

With whom your information is shared

We never share information we receive from you unless: (a) we have your permission to share that information; (b) we have given you prior notice that the information will be shared, and with whom; or (c) that information is aggregate information or other information that does not identify you.

Information Shared with our investors in Order to Operate and Improve the Services.

We may share Personal Information with third parties, such as service providers, when it is necessary for the conduct of our business. In such cases, we will have agreements with the third party service providers under which the providers agree to maintain the confidentiality of your information and to use it only to help us serve you. Please see the contact page if you want to opt-out.

Information Shared with Corporate Parents and Affiliates.

We may share your personal information with our affiliated companies and our successors and assigns to improve our service to you, to bring to your attention programs and services in which you may be interested, and as is otherwise reasonably necessary for the conduct of our business.

From time to time, we may share your name, contact information, or other personal information with unaffiliated business partners for their use in marketing their products and services to you.

Information Disclosed for Our Protection and the Protection of Others.

Information We Share with Your Consent or at Your Request: If you ask us to release information that we have about your Account, we will do so if reasonable and not unduly burdensome.

We may share personal information with others:

  • when necessary in order to resolve customer disputes and complaints
  • to protect against fraud
  • to respond to a subpoena
  • to report to a credit bureau; and
  • when otherwise necessary to comply with laws, regulations, and judicial or administrative orders and directives.

Information Shared with Other Third Parties.

We may share or disclose non-private information, Aggregate Information, or other non-personally identifying information with people and entities that we do business with.

Communication with us

As part of the Services, you may occasionally receive email and other communications from us. Administrative communications relating to your Account are considered part of the Services and your Account, which you may not be able to opt-out from receiving.

You may also receive other kinds of emails, offering products and services from our affiliates or non-affiliates, which you can opt-out of using the “Opt-Out” link in the emails themselves. Note that we will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.

If you provide us with an email address or phone number, or choose to communicate with us by email or phone, then emails or phone calls from us to you will be considered to be sent or made with your consent.

Third party websites

This Website may contain links to third party websites. We are not responsible for the privacy practices or the content of these websites. Our website may also use third parties to present or serve advertisements that you may see at our Website. These third party ad servers may use cookies, web beacons, clear gifs or similar technologies to help present such advertisements and to help measure and research the advertisements’ effectiveness. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy. Before providing personally identifying information to any third party website, you should review its privacy policy and practices.

Cookies and Tracking Technologies How to Opt Out

If you would prefer not to accept cookies or otherwise wish to disable our use of tracking technologies, most browsers and mobile devices allow you to change your settings so as to notify you when you receive cookies or other tracking technologies are being used, and to choose whether or not to accept/allow it. Most browsers also allow you to disable or delete existing cookies or to automatically reject future cookies. Disabling cookies may limit your ability to use the Site.

If you’re in the EU, you can request additional information about your choices with respect to any tracking technologies, including requests for such information be deleted by emailing us on the contact page. Note that we only work with home owners in the US, at this time.

Certain tracking technologies we use involve the use of session replay scripts or other scripts that run directly from your browser. If you wish to disable these tracking technologies, you can install a third-party browser analytics blocker plug-in such as Ghostery.

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time, using the process for modifications set forth in our Terms of Service. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Where to direct questions or concerns

If you have any questions or concerns regarding privacy using the Services, send us an email via the contact page.

Terms of Use

At 100K Investing, we’re committed to preserving the integrity of the relationship with you and providing the best experience on our websites. Use the links below to learn about our site terms, viewing recommendations, and intellectual property protections. If you do not agree to these terms without limitation or exclusion, you should exit this site.

This Agreement

Please review these Terms of Use before using this website. Welcome to 100K Investing. By viewing and using this web site including any subdomain thereof (the “Site”) you both represent and warrant that you have read and understood, and you agree to be bound by, the Agreement and by these Terms of Use and Privacy Policy.

This Agreement will always be available for your review under the “Legal” link found on the home page of the Site.

This Site is intended solely for Users who, if they are a natural person, are eighteen (18) years of age or older, and any registration by, use of or access to the Site by any natural person under 18 is unauthorized, unlicensed and in violation of these Terms of Use. By using the Service or the Site, you represent and warrant that, if you are a natural person, you are 18 or older and that you agree to and will abide by all the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or otherwise violate an agreement between you and us, the Company may delete your profile and any content or information that you have posted on the Site and/or prohibit you from using or accessing the Site (or any portion, aspect or feature of the Service or the Site), at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18.

Your relationship with 100K Investing and products and services provided by 100K Investing may also be governed by other written agreements. In the event of any conflict between this Agreement and the terms of such written agreements that may be executed by and between you and 100K Investing, the terms of such written agreements will control.

Changes in Terms

100K Investing may, at any time and without further notice, revise or modify these Terms of Use or the Privacy Policy by posting an amended version on the Site. Any changes will be effective immediately upon posting. It is your responsibility to review these Terms of Use and the Privacy Policy periodically. If at any time you find either unacceptable, you must leave the Site. Your use of the Site after any change becomes effective will indicate your agreement to such change. Unless 100K Investing obtains your express consent, any revised Privacy Policy will apply only to information collected by 100K Investing after such time as the revised Privacy Policy takes effect.

100K Investing also may, at any time and without notice, modify or discontinue the Site. You agree that 100K Investing shall have no obligation of any sort to you in connection with any modification or discontinuance of the Site.

100K Investing may terminate your access to this website for any reason, at any time, with or without notice to you.

Permitted Purposes

You agree that you will not use or attempt to use the Site for any purpose other than conducting business with 100K Investing or its affiliates as a bona fide client of 100K Investing and in each case solely for your personal, non-commercial use, and you may not reproduce, sell or distribute the information provided thereon.

Prohibited Uses

You represent and warrant that you will not use the Site to:

  • Retransmit, republish, distribute, reuse, resell, repost, re-engineer or make multiple copies of the Site or any portion thereof without 100K Investing’s prior written consent.
  • Upload, post, publish, transmit, reproduce or distribute through the Site any material that violates or infringes any third party’s privacy, intellectual property, copyright, patent, trademark, service mark, trade dress, trade secret or other proprietary rights, or which violates any contractual, fiduciary or judicially imposed nondisclosure obligations.
  • Engage in conduct that is unlawful, threatening, harassing, abusive, fraudulent, defamatory, libelous or invasive of the privacy or publicity rights of others, or which harms the goodwill or standing of 100K Investing or any of its clients, partners, employees, affiliates, agents, contractors or representatives.
  • Upload, post, publish, transmit, reproduce or distribute any material that contains advertising solicitations, bulk unsolicited emails or spam, chain letters, pyramid opportunities or offers for the sale of goods or services, or otherwise violate the Privacy Policy.
  • Alter, interfere or disrupt the content or functioning of the Site through (for instance) uploading, posting or transmitting any material that (i) contains viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines that damage, interfere with, capture, intercept or expropriate the website or any data contained therein; or (ii) disproportionately burdens the operation of the Site.
  • Attempt to probe, scan, test, or violate, or use the website to gain unauthorized entry or access to other associated computer systems or networks or to obtain unauthorized access to materials or other information stored thereon.
  • Mirror” the Site or any of its content on any other server without the express prior written permission of 100K Investing.
  • Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity, forge headers, or otherwise manipulate identifiers in order to disguise the origin of any content you post or otherwise transmit to us or via the Site.
  • Upload, post, publish, transmit, reproduce or distribute through the Site any material encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any law, regulation or government order.
  • Attempt to interfere with the use of the Site by any other user. 100K Investing reserves the right to cooperate fully in any investigation by law enforcement officials of any violation of this Agreement.

Third Party Sites.

The website may contain links to websites operated by third parties (“Third Party Sites”). Such links are provided for your reference and convenience only. 100K Investing does not have control over Third Party Sites, each of which may be governed by its own terms of service and privacy policy. 100K Investing has not reviewed, and cannot review, Third Party Sites, and therefore does not warrant or endorse any Third Party Site, the content thereon, or the operator or operations of that site. By visiting or using Third Party Sites, you assume all responsibility and liability for resulting harms, whether to you or any third party, including without limitation as resulting from your downloading or use of any content, software or other materials available therefrom.

In the event that the Site may be linked to or from other Third Party Sites, the Site may not be linked in such a way that causes the pages of the Site to be displayed within a frame on such Third Party Site, or may be displayed on a browser screen accompanied by advertising or other content not found on the Site. The fact that a third party provides a link to the Site does not indicate that an endorsement, agency, joint venture, or similar relationship exists between 100K Investing and such third party

Intellectual Property.

You acknowledge and agree that all content, Sites, source codes, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website, including, without limitation all text, graphics, artwork, logos, icons, images, audio clips and video clips (collectively, “Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and all rights associated with the Content are owned by 100K Investing and are the copyrighted property of 100K Investing and/or its licensors and affiliates, and protected by U.S. and foreign copyright laws and international conventions. The trademarks, service marks, logos, graphics, page headers, button icons, scripts, domain names, URLs, and other identifiers used and displayed on the Site are registered and unregistered trademarks of 100K Investing and/or its licensors and affiliates in the United States. Except as explicitly permitted, neither your use of the Site nor this Agreement grants you any right, title or interest in or to any of 100K Investing or its licensors’ copyrights, trademarks or service marks. You acknowledge and agree that such content may not be reproduced, modified, edited, distributed, republished, downloaded, displayed, posted, sold or transmitted in any form or by any means (including display in meta tags or hidden text), without the prior written permission of 100K Investing, its licensors, or any other copyright owner.

Disclaimer of Warranties.

100K Investing does not guarantee the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the Content and the 100K Investing disclaim liability for errors or omissions in the Content.

This Site and all of the Content is provided "as is" and "as available," without any warranty, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement or title.

Additionally, there are no warranties as to the results of your use of the Content. 100K Investing does not warrant that the Site is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction or modification under the laws applicable to this Agreement.

The Site may be temporarily unavailable from time to time for maintenance or other reasons. 100K Investing assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, Content.

Limitation of Liability.

THE LIABILITY OF 100K INVESTING IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, 100K INVESTING SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, SPECIAL OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE OR PRODUCTS OR SERVICES OFFERED THROUGH THE WEBSITE, REGARDLESS OF ANY ADVICE OR NOTICE GIVEN TO 100K INVESTING. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES THAT MAY RESULT FROM THE USE, INCONVENIENCE, DELAY OR LOSS OF USE OF THE SITE, THE INFORMATION HEREIN OR FOR OMISSIONS OR INACCURACIES IN THE INFORMATION PUBLISHED THROUGH THE SITE. IF YOU ARE DISSATISFIED WITH THIS WEBSITE, YOUR FIRST REMEDY IS TO STOP USING IT. THE MAXIMUM LIABILITY OF 100K INVESTING AND ITS AFFILIATES, SUCCESSORS, OR ASSIGNS, OR ANY OF ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, WILL BE $200. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN 100K INVESTING and YOU, AND THAT THIS WEBSITE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

Consent to Communications.

You agree that we may contact you regarding your application, account or our relationship. 100K Investing may also contact you by email or over the phone about services and products we believe may be of interest to you. You may opt-out of future promotional emails by clicking on the opt-out link and following instructions contained in any of the automated emails that you receive from us. We reserve the right, however, to contact you with important information relating to your account or our relationship, including legal communications, unless applicable law requires your affirmative consent to receive legal communications electronically and you have not provided that consent. You are deemed to have received communication when emails or phone calls are sent or made to the most recent email address or phone number that you have provided to us

Consent to Electronic Communications and Disclosures

Because 100K Investing operates only on the Internet, it is necessary for you to consent to transact business with us online and electronically. If you apply for a program or service through the Site, you authorize 100K Investing to treat your application or request as if it had been made in writing and signed by you. As part of doing business with us, we also need you to consent to our giving you certain disclosures electronically, either via our Site or to the email address you provide to us. By agreeing to the Terms of Use, you agree to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating to your use of the Site, including any programs you may request or receive, your registration as a on our Site, (each, a "Disclosure"), from us.

Indemnification

You agree to indemnify, defend and hold harmless 100K Investing and its affiliates, successors and assigns, and each of their officers, directors, employees, representatives and agents (the “ 100K Investing Parties”), from and against all claims, losses, expenses, liabilities, damages and costs (including without limitation attorneys’ fees and costs), arising out of or relating to: (a) your use of the Site; (b) any violation by you of this Agreement; or (c) your submission to 100K Investing of incomplete, inaccurate or untimely information or other data. The 100K Investing parties shall have the right, but not the obligation, to participate through counsel of their choice in any defense by you under this Section.

Choice of Law; Jurisdiction and Venue; Attorneys’ Fees.

The Site is located and operated by 100K Investing in Spokane Valley, Washington. This Agreement shall be interpreted and enforced as though executed in Spokane Valley, and shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles. THE PROPER VENUE FOR ANY JUDICIAL ACTION ARISING OUT OF OR RELATING TO THE WEBSITE OR THIS AGREEMENT WILL BE THE STATE AND FEDERAL COUNTS LOCATED IN SPOKANEY VALLEY, WASHINGTON. THE PARTIES HEREBY STIPULATE TO, AND AGREE TO WAIVE ANY OBJECTION TO, THE PERSONAL JURISDICTION AND VENUE OF SUCH COURTS, AND FURTHER EXPRESSLY SUBMIT TO EXTRATERRITORIAL SERVICE OF PROCESS.

The prevailing party in any dispute will be entitled to its reasonable attorney’s fees and costs, in addition to all other available recovery and relief.


Severability; Waiver.

If any clause or provision of this Agreement is held invalid or unenforceable for any reason, that part will be construed to reflect the parties’ original intent, and the remaining provisions shall remain in full force and effect, and valid and enforceable. The invalidity or unenforceability of any term, clause or provision in any particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction; nor shall a waiver by either party of any term or condition or any breach thereof in any one instance, waive such term or condition or any subsequent breach thereof.

Successors and Assigns.

You may not transfer or assign any of the obligations, rights or interests under this Agreement without the prior written consent of 100K Investing. Notwithstanding the foregoing, this Agreement shall be binding upon and inure to the benefit of the parties hereto and their successors and permitted assigns.

Relationship.

Without limiting any other provision of this Agreement, this Agreement creates no agency, partnership, joint venture, or employee-employer relationship between you and 100K Investing.

Entire Agreement.

This Agreement states the entire agreement between you and us concerning the use of this Site, and may not be amended or modified except through a written agreement signed by an officer of 100K Investing.

Customer Service.

If you need assistance with the Site or with any service or information provided through it, or if you need to communicate with 100K Investing, visit the contact page.