Change Lending, LLC Cookie Policy

This Cookie Policy describes how Change Lending, LLC d/b/a Change Home Mortgage (“Change Home Mortgage”) uses cookies and similar tracking technologies when you use our sites, apps, and when you otherwise interact with us (collectively, the “Services”).  This Cookie Policy is part of, and should be read in conjunction with, our Privacy Policy.  If you have any questions, please contact us in accordance with the “Contact Us” section of our Privacy Policy.

A. What Are Cookies?

We use cookies and other tracking technologies (collectively referred to as “cookies”) on our website. Cookies are small files created by websites, that reside on your mobile device or computer’s hard drive and that store information about your use of a particular website.  When you access our Services, we use cookies and other tracking technologies to serve a variety of functions, including to:  

• Estimate our audience size and usage patterns;
• Store information about your preferences, allowing us to customize our Services according to your individual needs;
• Contact you to provide you with information or services that you request from us;
• Advertise new content, events, and services that relate to your interests;
• Provide you with more personalized content that is most relevant to your interest areas; and
• Recognize when you return to our Services.

We set some cookies ourselves and others are set by third parties.  You can manage your cookie preferences as described in the “Managing Your Cookies” section below.

B. Types of Cookies and Their Functions

The following chart lists the different types of cookies that we and our service providers use on the Services, examples of who serves those cookies and links to the privacy notices, and opt-out information of those cookie servers.  Because the specific cookies we use may vary over time, as well as differ by the specific page you are browsing, the below chart is illustrative only.

We do not use analytical tools in a manner that discloses to third parties that a specific person viewed specific video materials.

C. Cookie Retention Period

Some cookies operate from the time you visit the Services until the end of that particular browsing session. These cookies, which are called “session cookies,” expire and are automatically deleted when you close your internet browser.

Some cookies will stay on your device between browsing sessions and will not expire or automatically delete when you close your internet browser.  These cookies are called “persistent cookies” and the length of time they will remain on your device will vary from cookie to cookie. Persistent cookies are used for a number of purposes, such as storing your preferences so that they are available for your next visit and to keep a more accurate account of how often you visit the Services, how your use of the Services may change over time, and the effectiveness of advertising efforts.

D. Managing Your Cookies

You may stop or restrict the placement of cookies and tracking technologies on your device or remove them by adjusting your preferences as your browser or device permits. However, if you adjust your preferences, our Services may not work properly.  You can find out more about cookies and how to manage them by visiting https://consumer.ftc.gov/articles/how-websites-apps-collect-use-your-information.

To exercise your right to opt out of targeted advertising, please visit our “Your Privacy Choices” page. Please note that the use of certain popup blockers or privacy settings can impact the functionality and visibility of the Your Privacy Choices button.

Please note this does not mean that you will see less advertising when you visit our website, the only effect is that the advertising will be less relevant to you.

E. Do Not Track Signals (“DNT”):

DNT is a privacy preference that users can set in certain web browsers.  Please note that we do not respond to or honor DNT signals.  At this time, our Site responds to the Global Privacy Control.