Terms of Service & Privacy Policy



Privacy Policy:

Last Updated October 18th, 2023

selmssolutions.com (the "Website," "we," "our," or "us") takes your privacy seriously. Please read the following to learn more about our privacy policy. By visiting this website, you are accepting the practices described in this Privacy Notice. What This Privacy Policy Covers


  • This policy covers how we treat personal information that the website collects and receives, including information related to you're past use of our products and services. Personal information is information about you that is personally identifiable like your name, address, email address, IP address, or phone number, and that is not otherwise publicly available.
  • This policy does not apply to the practices of companies that we do not own or control, or to people that we do not employ or manage.

Information Collection and Use General

  • The website collects personal information when you register with us.
  • When you register we ask for information such as your name, address, phone number, email address and zip code. Once you register with us and sign in to our services, you are not anonymous to us.
  • We collect information about your transactions with us, including information about your use of financial products and services that we offer.
  • The website automatically receives and records information on our server logs from your browser, including your IP address, cookie information, and the page you request.
  • We use information for the following general purposes: to fulfill your requests for products and services, improve our services, contact you, and to conduct research.
  • We reserve the right to send you certain communications relating to our services, such as service announcements, administrative messages, special offers and an website Newsletter.
  • We may share personal information about you to regulatory bodies and in accordance with the Federal Telephone Consumer Protection Act (TCPA), however, we will never sell or rent your email address or other personally identifying information to commercial 3rd parties. We may use your personal information to help us communicate with you about offers from the website. You may receive certain communications relating to our services, such as service announcements, administrative messages, special offers and a Newsletter.

Confidentiality and Security

  • We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
  • We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Cookies

  • We may set and access cookies on your computer. We use this information for Web Site and Systems Administration.
  • Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and to provide features and storage of items in your Shopping Cart between visits.

GDPR and CASL Compliance

  • Unfortunately, we are not in a position to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations, in particular, provide certain rights to their citizens which are not the same as the United States. For this reason, we do not accept registrations from any citizen outside the United States. Our services are specifically designed for United States citizens. We have expunged all European Union Member and Canadian Citizens data to the extent we have been made aware of the same. If you are a European Union Member, Canadian or any country outside of the United States citizen, please notify us at

This section of the Privacy Policy supplements the information contained elsewhere in our Privacy Policy and applies solely to visitors, users, an others who reside in the state of California (“Consumers”). The provisions contained within this section are intended to provide notices in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the CCPA have the same meaning when used in this section.


Personal Information Collected

We collect Personal Information provided by Consumers through the Site. In the past 12 months, we have collected the following Personal Information from Consumers:

Category of Information Examples Information Collected
Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. Yes
Categories of personal information described in subdivision (e) of Section 1798.80. A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, or health insurance information. Yes
Characteristics of protected classifications under California or federal law Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information). No
Commercial Information Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Yes
Biometric information An individual's physiological, or biological or behavioral characteristics, including an individual's deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information. No
Internet or other electronic network activity information Browsing history, search history, and information regarding a consumer's interaction with an Internet Web site, application, advertisement. No
Geolocation Physical location, position, and movement data. No
Sensory information Audio, electronic, visual, thermal, olfactory, or similar information. No
Professional or employment-related information Present and past employment data. No
Education information Education records maintained by educational institutions or third parties on behalf of these institutions. No
Inferences drawn from any other information Data reflecting a consumer's preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities. No

The categories of Personal Information described above are collected from the following categories of sources:

  • Directly from Consumers or their agents, such as through Consumers responses to our web forms.
  • Directly and indirectly from activity on our Website, such as through Consumers’ interaction with our Website.
  • From third parties that work with us to provide services to Consumers, such as third parties that we connect Consumers with to fulfill their requests.

Uses of Personal Information

The information we collect is used to:

  • Fulfill the purpose for which the information was provided by the Consumer.
  • Perform the activities described to Consumers when collecting their Personal Information or as set forth in the CCPA.
  • Provide the Consumer with information, products, or services that have been requested.
  • Perform internal and external marketing.
  • Carry out obligations and enforce contractual rights.
  • Improve the services provided through the Website, such as through testing, research, analysis, and development.
  • Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation.
  • Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected Personal Information is among the assets transferred.

Personal information will not be used for materially different purposes without first providing the Consumer with notice.


Sharing and Sale of Personal Information

We do not disclose Personal Information provided to us by Consumers for a business purpose. Personal information for minors under 16 years of age is not collected, disclosed for a business purpose or sold.


Consumers’ Rights

Consumers have several rights under the CCPA. These include:

  • The right to know what categories and specific pieces of Personal Information are collected, disclosed for a business purpose, or sold by requesting this information from us.
  • The right to request deletion of Personal Information collected or maintained by us.
  • The right to opt-out of the sale of Personal Information.
  • The right not to receive discriminatory treatment from us for choosing to exercise privacy rights under the CCPA.
  • The right to designate an authorized agent for making requests under the CCPA on the Consumer’s behalf.

Even after fulfilling a request for deletion, we are required to maintain records for statutory compliance. To submit a request to know or delete Personal Information complete the form provided here . Once we have received a request, we work with Consumers to verify their identities. As part of the verification process, we work with OneTrust. Depending on the type of request submitted, OneTrust may request information from the Consumer, such as an email address, phone number, or government issued identification card. More information about OneTrust’s identification process is found here. If a Consumer has asked an agent to exercise rights on the Consumer’s behalf, the agent’s identity will need to be verified by providing a writing from the Consumer designating the agent in addition to any information requested through OneTrust.


Do not track browser settings

  • Advertisers may collect data about your online browsing activity and use it to show you targeted ads (a process known as "behavioral advertising"). You can prevent companies from showing you targeted ads by submitting opt-outs to those service providers. Opting-out will only prevent targeted ads so you may continue to see generic (non-targeted ads) from these companies after you opt-out. You may opt-out of behaviorally targeted ads anytime by deleting your browser's cookies.

Information Sharing and Disclosure

  • Information You Give Us: We receive and store any information you enter on our Web site or give us in any other way. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as responding to your requests, customizing future shopping for you, improving our stores, and communicating with you.
  • Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many Web sites, we use "cookies," and we obtain certain types of information when your Web browser accesses this site.
  • Agents: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes
  • We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims
  • We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
  • We transfer information about you if we are acquired by or merged with another company. In this event, we will notify you before information about you is transferred and becomes subject to a different privacy policy.

Changes to this Privacy Policy

  • We may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email you entered or by placing a prominent notice on our site.

Privacy Notice for California Residents

Last Updated: October 18, 2023

This Privacy Notice for California Residents ("Privacy Notice") supplements the information contained in Selmssolutions's Privacy Policy (the "Privacy Policy") made available on the website located at selmssolutions.com (the "Site"). The Site is owned and operated by Selmssolutions ("Company," "we," "us" or "our"). This Privacy Notice applies solely to residents of the State of California ("Users"). We adopt this Privacy Notice in compliance with the California Consumer Privacy Act of 2018 ("CCPA") and other applicable California State privacy laws. Any terms defined in the CCPA have the same meaning when used in this Privacy Notice. Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by emailing us at: support or sending us U.S. mail to: 9921 Carmel Mountain Rd #425, San Diego, CA 92129


Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular User or device ("personal information"). In particular, we have collected the following categories of personal information from Users within the last twelve (12) months:


Category

Examples

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers.

YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver's license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

YES

F. Internet or other similar network activity.

Browsing history, search history, information on a User's interaction with a website, application or advertisement.

YES

I. Professional or employment-related information.

Current or past job history or performance evaluations.

YES

Personal information does not include:

  • Publicly available information from government records.
  • De-identified or aggregated User information.
  • Information excluded from the CCPA's scope, such as:
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from our Users. For example, from online registration forms that our Users submit to us related to the products and/or services that we offer by and through the Site.
  • Indirectly from our Users. For example, through information we collect from our Users in the course of providing our products and/or services to them.
  • Directly and indirectly from activity on the Site. This includes the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet Service Provider. In addition, we obtain certain Site usage details and analytics as same are collected automatically by us and our third party partners, such as Google® and Hotjar®.
  • When our Users interact with us on our social media accounts, including commenting on and/or liking our posts.
  • Directly from Users via online registration forms that our Users submit to us in order to enter a promotion or sweepstakes featured on the Site.
  • From third-parties that interact with us in connection with the products and/or services that we offer to our Users. For example, third party entities that assist us in sending direct and electronic mail, removing duplicate information from User lists, analyzing data and providing marketing analysis.
  • From third-party data brokers or aggregators.
  • From publicly availably sources, such as Internet search engines.

Use of Personal Information

We may use or disclose the personal information that we collect for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your request for a price quote and/or other information regarding the mortgage-related products and/or services featured on the Site, we will use that personal information to better provide you with the requested quote/information.
  • To provide you with information, products or services that you request from us.
  • To create, maintain, customize and secure your account with us.
  • To enable you to enter a sweepstakes or promotion featured on the Site.
  • To provide you with e-mail, direct mail and telemarketing messages concerning certain Company products and/or services, as well as third-party products and/or services, that we believe may be of interest to you.
  • To deliver relevant Site content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including the Site"s Terms and Conditions.
  • To improve the Site and better present its contents to you.
  • For customer service purposes and to respond to inquiries from you.
  • For testing, research, analysis and product development.
  • As necessary or appropriate to protect our rights, property or safety, and that of our clients or others.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you with notice.


Sharing Personal Information

We do not share, rent and/or sell your personal information with/to third parties for marketing purposes


Your Rights and Choices

The CCPA provides Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.


Opt-Out Rights

You have the right to opt-out of use of your personal information. To exercise your right to opt-out, please submit a verifiable User request to us by either:

  • Emailing us at: or
  • Sending us U.S. mail to: 9921 Carmel Mountain Rd #425, San Diego, CA 92129

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.


Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable User request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The specific pieces of personal information we collected about you (also called a data portability request).
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
    • sales, identifying the personal information categories that each category of recipient purchased; and
    • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable User request, we will delete (and direct our service providers to delete) your personal information from our (their) records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech rights, ensure the right of another User to exercise their free speech rights or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with User expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability and Deletion Rights

To exercise your access, data portability and/or deletion rights described above, please submit a verifiable User request to us by either:

  • Emailing us at: or
  • Sending us U.S. mail to: 9921 Carmel Mountain Rd #425, San Diego, CA 92129

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable User request related to your personal information.

You may only make a verifiable User request for access or data portability twice within a 12-month period. The verifiable User request must:

  • Provide sufficient information that allows us to reasonably verify that you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable User request does not require you to create an account with us. We will only use personal information provided in a verifiable User request to verify the requestor's identity or authority to make the request.


Terms of Service

Wireless and SMS Policy

We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, or used by us or third parties to send promotional correspondence to you.



Detailed Wireless and SMS Policy

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.


We may use personal information to provide the services you've requested, including services that display customized content and advertising. We may also use personal information for auditing, research and analysis to operate and improve our technologies and services. We may share aggregated and non personal information with third parties. When we use third parties to assist us in processing your personal information, we require that they comply with our Privacy Policy and any other appropriate confidentiality and security measures. We may also share information with third parties in limited circumstances, including when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.


You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, or used by us or to send promotional correspondence to you. You may remove your information by sending "STOP", "END", "QUIT" to the SMS text message you have received.


CONTACT US or OPTOUT If you have any questions regarding this Privacy Policy, or wish to opt-out of any communication (phone, email, sms or otherwise) please contact: You may write to use at 9921 Carmel Mountain Rd #425, San Diego, CA 92129



Response Timing and Format

We endeavor to respond to all verifiable User requests within forty-five (45) days of the receipt thereof. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.


Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services;
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
  • Provide you a different level or quality of goods or services; and/or
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
  • Changes to this Privacy Notice

We reserve the right to amend this Privacy Notice in our discretion and at any time. When we make changes to this Privacy Notice, we will notify you by email or through a notice on the Site"™s homepage.


Contact Information

If you have any questions or comments about this Privacy Notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:

  • Emailing us at: or
  • Sending us U.S. mail to: 9921 Carmel Mountain Rd #425, San Diego, CA 92129