(03/22/23)

As the provider of information and online marketplaces to the trust deed industry, Marathon Mortgage Services Inc DBA Loanbunker.com respects your privacy and is committed to protecting your Personal Information. This Privacy Notice describes the types of Personal Information we collect and our practices for using, maintaining, sharing, and protecting it. It also describes the rights and choices you may have with respect to your Personal Information and how you may contact us about our privacy practices.

When using our website, Loanbunker.com, you may choose to interact with features from third parties that operate independently from Loanbunker.com, such as social media widgets and links to third-party websites. Loanbunker.com has no control over and is not responsible for the privacy practices of such third parties. This Privacy Notice does not apply to the extent Loanbunker.com does not own or control any linked websites or features you visit or use. We recommend that you familiarize yourself with the privacy practices of these third parties.

1. Types of Personal Information

“Personal Information” means any information directly or indirectly relating to an identified or identifiable individual. Examples of Personal Information Loanbunker.com may collect include:
  • Payment information (credit card and other payment card information)
  • Personal contact information (name, nickname, gender, mailing address, email address, phone number)
  • Business information (office location, business contact information, department, job title/description, professional bio)
  • Log-in credentials (username, password)
  • Usage details (log-on activity, search terms, views, clicks, downloads, Loanbunker.com related preferences, lead submission information)
  • Technical details (IP address, geolocation information, cookie/session IDs, authentication information, browser type/version, operating system/platform)
  • Any other information you or other Loanbunker.com customers may upload or enter into the Services
  • Phone call and video conference recordings
California Residents

We collect Personal Information as defined by the California Consumer Privacy Act, which is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

Personal Information does not include de-identified or aggregate information, publicly-available information that is lawfully made available from federal, state, or local government records, and information covered by certain sector-specific privacy laws.

Loanbunker.com may have collected the following categories of Personal Information about consumers in the 12 months preceding the date this Privacy Notice was last modified:
  • Identifiers (e.g., real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security Number, or other similar identifiers)
  • Categories of personal information described in California Civil Code §1798.80(e) (e.g., signature, phone number, bank account number, credit card number, debit card number, or other financial information)
  • Protected classification characteristics under California or federal law
  • Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
  • Internet or other electronic network activity information
  • Geolocation data
  • Professional or employment-related information
  • Inferences drawn from other Personal Information (e.g., profile reflecting your preferences, characteristics, and behavior)
  • Sensitive personal information, including: precise geolocation, login credentials (username and password), and the content of messages sent through the Services

2. Collection of Personal Information

Loanbunker.com may collect Personal Information using the following methods:
  • Directly from you when you provide it to us (information you enter into web forms, chatbots, participation in phone calls or video conferences, subscription agreements, and contracts or other content you submit to the Services)
  • Through your participation in surveys, promotions, and contests
  • Loanbunker.com’s internal customer relationship management system and databases
  • From third parties, such as analytics and email marketing service providers
  • Researching public websites where permitted by the Terms of Use (company websites, search engines, social media)
  • Automatically through tracking technologies (cookies, web beacons, log files), including over time and across third-party websites or other online services.
Service-Specific United States Listing Services

When you dial a phone number we publish for a listing, we or a service provider operating on our behalf may record the date, time and length of your call and the phone number from which the call originated, along with the call itself and any other information that may be captured. The types of Personal Information collected will depend on the nature of the submission or the features of the website used but could include your name, address, phone number, and/or email address.

Children Under 16

Loanbunker.com website is not intended for children under 18 years of age, and we do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on this website or through any of its features, register, or make any purchases. If we learn we have collected or received Personal Information from a child under 18 without verification of parental consent, we may delete it. If you believe we might have any information from or about a child under 18, please Contact Us.

California Residents

Loanbunker.com may collect Personal Information from the following categories of sources:
  • Directly and indirectly from you
  • Other loanbunker.com customers
  • Service providers, including data analytics providers
  • Third parties, including advertising services and social media networks
  • Consumer reporting agencies
  • Companies with public websites
  • Government entities
European Economic Area (EEA) and United Kingdom Residents

Where we need to collect Personal Information by law or under the terms of a contract we have with you and you fail to provide that information when requested, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us.

3. Use of Personal Information

We may use your Personal Information for the following purposes:
  • Communicating with you
  • Providing you with the Services
  • Authenticating use, detecting potential fraudulent use, and otherwise maintaining the security of the Services
  • Developing, testing, improving, and demonstrating the Services
  • Creating and maintaining a customer relationship management system, member directories, and invitation lists for Loanbunker.com events
  • Carrying out our legal and contractual obligations and enforcing our rights, including billing and payment processing
  • Anonymizing and aggregating information for analytics and reporting
  • Advertising, marketing, and selling the Services, including linking together or merging Personal Information with other Personal Information so that we may better understand your needs and inform you about our Services and those of our partners
  • Short-term transient use, as defined in the California Consumer Privacy Act
  • Training and quality assurance
  • For any other purpose
Service-Specific United States Listing Services

You may have the ability to share certain pages or content with third parties. If you use the “share” functionality, you will be asked for your email address and the recipient’s email address, and you may enter an optional message. We use the email addresses stored through the “share” functionality for the limited purpose of sending a one-time email.

When you use our mobile application or our website, your location may be obtained from the mobile device or the network, or directly from you, and may be used to search for information you may need, including local searches for investment opportunities. When we execute such searches on your behalf, we do not transfer your identity or Personal Information to third parties other than the rental property owners or managers or service providers, as needed to provide the Services. This information is not used to create a profile about you or your activities. Your location is only stored in the application if you save your location searches, and you may delete this information by clearing your search history. Location coordinates may be shared with our geocoding service providers (such as Google Maps) only to perform the task of providing maps and directions at your request. No location information is shared with any third parties for marketing purposes. Our application does not interact or share information with any other applications installed on your mobile device.

Online Advertising

When you use the Services, we and third parties may use cookies and other tracking technologies to collect information, including Personal Information, to help us target content to you on the Services or elsewhere. This information may be associated with other information or combined with information from other sources, including information these third parties might track about your online activities over time and across the Internet. Third parties use this information to provide interest-based display advertising and retargeting on our behalf, which may include placing our advertisements on other websites you visit, including your social media accounts, or matching a cookie or device ID to your email address so we can send you promotional emails that may be of interest to you.

Automated Decision-Making

We may use an automated process to identify investments that may be of particular interest to you and to bring these to your attention. We may do this by profiling your activity when using the Services. This profiling takes place based on properties you browse, searches you conduct, and your location. It helps us to understand what sort of investments you are interested in and to categorize your activity to help us determine the Services you require.

Foreign Countries

Loanbunker.com is presently designed for customers of the USA only. User accounts originated outside the USA may be cancelled by Loanbunker.com at any time.

Service-Specific

Loanbunker.com may share member information in the following areas on the Services: Marketing Center, Email Alerts and Professional Directory. When a Loanbunker.com customer enters a listing in the Marketing Center, listing contact information is also entered. During this process, the listing submitter may be able to view other Loanbunker.com customers’ contact information when he or she adds another contact to the listing. In addition, Loanbunker.com customers may be able to view contact information (name, email, and phone number) when viewing a property listing profile.

The Services may also allow users to share contact information with one another via email alerts if available. With email alerts, users can save their property search criteria to have information about properties that match the specified criteria emailed to them. When selecting this service, users are given the option of releasing their contact information to other users who have property listings that match their criteria. This contact information is then shared with the users who have property listings that match the buying or leasing criteria.

Service Providers

Loanbunker.com may retain third-party service providers to assist us in our business. For example, we may use service providers to assist with analytics, email marketing, payment processing, customer relationship management, and IT infrastructure and support. Loanbunker.com may permit these affiliates and service providers to access your Personal Information in order to assist us in providing services; however, we may contractually require these third parties to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

California Residents

Loanbunker.com may share Personal Information with the following categories of third parties and may have disclosed the following categories of Personal Information for a business or commercial purpose in the 12 months preceding the date this Privacy notice was last modified:

Personal Information Third Parties
Identifiers Service providers, including data analytics and advertising providers, operating systems and platforms, social networks, other Loanbunker.com customers, consumer reporting agencies
Categories of personal information described in California Civil Code §1798.80(e) Service providers, other Loanbunker.com customers, consumer reporting agencies
Commercial information Affiliates, distribution partners, other Loanbunker.com customers
Internet or other electronic network activity information Service providers, including data analytics and advertising providers
Geolocation data Service providers
Professional or employment-related information Service providers, other Loanbunker.com customers
Inferences Service providers, including data analytics and advertising providers
Categories of personal information required for 1099 tax reporting Service providers, government agencies
Sensitive personal information, including precise geolocation, login credentials, and the contents of messages sent through the Services Service providers

Loanbunker.com may also sell/share certain Personal Information. In the 12 months preceding the date this Privacy Notice was last modified, Loanbunker.com sold:
  • Identifiers (e.g., IP address and other online identifiers) and Internet or other electronic network activity information, and commercial information (e.g., purchasing tendencies or records of products or services purchased or considered) to advertising providers for the purpose of advertising our Services.

5. Security of Personal Information

Loanbunker.com may implement security safeguards to protect your Personal Information.

We may take steps to secure Personal Information through administrative, technical and physical safeguards designed to protect against the risk of accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. For example, we may encrypt payment card information in accordance with the Payment Card Industry Data Security Standard (PCI DSS) and store sensitive information such as geolocation data on Loanbunker.com servers located in the United States with access limited to authorized Loanbunker.com employees.

Unfortunately, we cannot guarantee the security of information transmitted through the Internet, and where we have given you (or where you have chosen) a password, you are responsible for keeping this password confidential.

6. Retention of Personal Information

Loanbunker.com may or may not retain your information only for as long as is reasonably necessary for the purposes set out on this Privacy Notice, for as long as your account is active (i.e., for the lifetime of your Loanbunker.com customer account), or as needed to provide the Services to you. If you no longer want Loanbunker.com to use your information to provide the Services to you, you may close your account. Loanbunker.com may retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, enforce our agreements, and as otherwise described in this Privacy Notice. Please note that closing an account may not make your email address, username, or property name (if any) available for reuse on a new account. We may also retain log files for internal analysis purposes. These log files are retained for a brief period of time, except in cases where they are used to protect the safety and security of the Services, to maintain and improve functionality of the Services, or to comply with legal obligations.

7. Manage Your Personal Information

You may manage your Personal Information by making certain choices. If you believe that any Personal Information you have provided to us is out-of-date or inaccurate, you may review and correct such information if it is within your online account by logging in at any time or Contact Us. You may also have additional rights detailed below depending on where you live. As a security precaution, we may need to request information from you to help us confirm your identity when exercising a right related to your Personal Information.

Direct Marketing Opt-Out

If you no longer wish to receive direct marketing emails from Loanbunker.com, you may click the “Unsubscribe” link in an email at any time to stop receiving emails for that particular subject. Depending on the Services, you may also be able to manage notification preferences in your account. Note that Loanbunker.com may still contact you about the Terms of Use, Privacy Notice, or other legal notices, or in connection with providing you Services you have requested from us.

Tracking/Online Advertising Opt-Out

You may disable or delete browser cookies through your browser settings. Cookies are generally easy to disable or delete, but the method varies between browsers. To learn how you can manage Flash cookies, visit Adobe’s Flash player settings page. If you disable or delete cookies, or if you are running third-party software that intercepts or deletes cookies, please note that some parts of our website may not work properly.

You can opt out of third parties collecting your Personal Information for targeted advertising purposes in the United States by visiting the National Advertising Initiative’s (NAI) opt-out page and the Digital Advertising Alliance’s (DAA) opt-out page and in the EEA by visiting The Programme’s opt-out page.

Our Services do not recognize “Do Not Track” signals.

California Residents

If you live in California, you have the right to: (1) request that Loanbunker.com disclose what Personal Information we collect, use, disclose, and sell; (2) request deletion of Personal Information, subject to certain exceptions; (3) request that Loanbunker.com correct inaccurate or incomplete Personal Information; (4) opt-out of the sale of Personal Information; (5) opt-out of the “sharing,” or disclosing Personal Information for the purposes of cross-context behavioral advertising, and (6) not receive discriminatory treatment by Loanbunker.com for exercising these rights. If Loanbunker.com is not able to complete your requests, you should delete your account. Loanbunker.com may also delete your account if they can not comply with your requests to avoid any future issues.

Requests to Know

You have the right to request that we disclose the following information:
  • Specific pieces of Personal Information Loanbunker.com has collected about you;
  • Categories of Personal Information Loanbunker.com has collected about you, disclosed about you for a business purpose, or sold;
  • Categories of sources from which the Personal Information is collected;
  • Categories of third parties with whom Loanbunker.com shares or to whom Loanbunker.com sells Personal Information; and
  • The business or commercial purpose for collecting, selling and sharing Personal Information.
Opt-Out of the Sale or Sharing of Personal Information

You have the right to opt-out of the sale of your Personal Information. To make such a request, please Contact Us by email at Loanbunker.info@gmail.com. To opt-out of Loanbunker.com sharing your Personal Information with third parties to advertise our Services, please contact us.

We do not have actual knowledge that we sell or share the Personal Information of consumers under the age of 18.

We do not use or disclose sensitive personal information for purposes other than those specified in Cal. Civ Code §1798.121.

Exercising Your Rights

To make a request, please contact us. In order to verify your request, Loanbunker.com may require you to provide additional information to confirm the identity of the consumer.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your Personal Information. To make a request on your behalf, an authorized agent may Contact Us by email with proof of your written and signed permission to do so. Note that Loanbunker.com may also require you to verify your identity and confirm that you gave permission.

“Shine the Light” Request

California residents may also have the right to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please contact us.

Nevada Residents

Nevada residents may have the right to opt-out of the sale of Personal Information we have collected or will collect. To make such a request, please contact us.

Virginia Residents

If you live in Virginia, you have the right to: (1) request that Loanbunker.com disclose and provide a copy of what Personal Information we collect, use, disclose, and sell; (2) request deletion of Personal Information, subject to certain exceptions; (3) request that Loanbunker.com correct inaccurate or incomplete Personal Information; (4) opt-out of the sale of Personal Information; (5) opt-out of targeted advertising; (6) opt out of profiling in furtherance of decisions that produce legal or similarly significant effects about you, and (7) not receive discriminatory treatment by Loanbunker.com for exercising these rights.

To make such a request, please follow the instructions in the below section, Contact Us. If you are appealing our decision, please email us following the instructions in the below section, Contact Us, and reference and/or attach information to identify your original request. In order to verify your request, Loanbunker.com may require you to provide additional information to confirm the identity of the consumer.

8. Privacy Notice Changes

This Privacy Notice may be updated periodically to reflect changes in our privacy practices.

We will post changes on this page and identify the date the privacy notice was last revised at the top of the page. If we make material changes to our privacy practices, we will notify you through a notice on the home page of the websites covered by this Global Privacy Notice. If a material change will apply to Personal Information we have already collected, including any new purposes for which the Personal Information will be used or disclosed to which you have not previously consented, we will additionally seek your affirmative consent.

10. Contact Us

You can contact us, depending on the nature of your inquiry, by emailing us at loanbunker.info@gmail.com.