Legal

Website Information Collection and Use Practices and Website Use Terms and Conditions

(effective January 2021)

We have prepared this policy to help you understand more about how we collect, use, and disclose information from website visitors. References to “websites” includes mobile applications that we may publish. This policy does not cover information that we collect about you outside of our normal website services. This policy does not cover information that you voluntarily make public.

What information do you collect about me?

The information that we collect about you generally falls into two categories, information that you provide and information that is automatically collected.

Information that you provide

You may provide information to us through our websites that you visit or when you create an account on one of our websites. This information may consist of, but is not limited to, personal contact information (name, address, phone number, email address, user ID and password), requests for services, banking and financial information, information submitted with a credit application, bid information, quote requests and claim submission. We do not collect your personally identifiable information unless you choose to provide such information voluntarily.

Correction and updating of information that you provide

If you voluntarily provide personal information as part of an online loan application or an online account, you may review, and update information stored as part of your online application until you submit the application. Once you have submitted your loan application, you may only correct or update your information by contacting your Home Loan Specialist at 1-866-701-0467. To review and update information stored as part of your online account, please visit your online account.

Social media information

Our site may provide you the convenience of creating an account through a social media service. If you create an account, access or log-in to our site through a social media service, the information we collect about you may include name, email, phone, profile picture, social media service, zip code, and any other information you have given us or permitted the social media service to share with us. By creating an account, accessing or logging into our site via a social media service you are authorizing us to collect, store and use such gathered information and content in accordance with our website information collection and use practices.

Automatically collected information

When you visit our websites we, and third-party vendors that we may use, may automatically collect information from you that consists of, but is not limited to, IP address, geolocation, device type and ID, connection information such as browser type and version, plug-in types and versions, operating system, demographic information, which of our websites you visit and which websites not affiliated with us that you visit in addition to other analytic tracking information. We may also automatically collect information about your visits to and use of our websites regarding length, timing, frequency, products viewed, or pages and screens visited.

Children

Our websites are not designed for use by children under the age of 13. Therefore, we do not knowingly attempt to solicit or receive any information from children.

How do you use this information?

Information that you provide is used for a variety of purposes including but not limited to contacting you, either by us or by an affiliated or nonaffiliated third-party, regarding services or information you have requested or to process payments or claims you have submitted. We may also use or share your contact information, which information may be enhanced or merged with data collected from other sources to the extent permitted by law, to tell you about information you might find useful or interesting regarding our products and services as well as the products and services of our affiliates or nonaffiliated third parties.

Information that is automatically collected is used to optimize website performance, retrieve user preferences, and ensure data integrity as well as to provide third parties with usage statistics in an aggregated form not identifying individual users. Automatically collected information is also used by third-party vendors to help us with online tracking and to provide you with targeted display advertisements, also known as behavioral advertising, on other websites that you visit. We and third-party vendors, including Google, use cookies to provide you with these advertisements. The cookies that we and third-party vendors such as Google use to provide you with ads based on your past visits to our websites include both first party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) used together to report how the ad impressions and advertisements that you are provided and interact with are related to visits to our websites. We do not track URLs that you type into your computer browser, but we do use cookies to track which websites you visit on the Internet after you leave our website.

With whom do you share this information?

Information that you provide and that is automatically collected is shared with our affiliates and partners, and also with non-affiliated third parties, for the purposes described in this policy.

We may also share information with law enforcement agencies, governmental officials or other parties as required by law and when we believe that disclosure is necessary to protect our rights or property and/or comply with a judicial proceeding, court order, or legal process served.

We give you the opportunity to control the use of your personally identifiable information for purposes other than to fulfill services you have requested, process payments or claims you have submitted, or as required to process, close and subsequently service your loan. For information about those choices, please click here for our privacy policy.

How do you protect the security of the information you store?

We store information on our servers to carry out the purposes described here. While we use reasonable security measures, we cannot guarantee that the Internet or your device will be completely secure. Our intent is to maintain any data provided as confidential, however, information transmitted over the Internet cannot be guaranteed to remain confidential and we assume no responsibility for maintaining such information as confidential. We encourage you to take steps to protect yourself online, including ensuring that any online account information you have remains secure. For example, do not share your passwords with other people.

See the Limitation of Liability and Disclaimer below.

What are cookies?

When you visit our websites, we and third-party vendors that we may use may send one or more cookies or online tracking mechanisms to your computer or other device that uniquely identifies your browser. A cookie is a small file containing a string of characters that are stored as text files by your browser on your computer’s hard drive. We use cookies to track web analytics information and session information including user trends and search preferences. The purposes for tracking include but are not limited to improving the quality of our services, storing and retrieving user preferences and providing you with advertisements that may be of interest to you as described above in Automatically collected information. Cookies collect anonymous information, both individually and in the aggregate, but do not collect personally identifiable information.

What choices do I have regarding your use of information about me?

You can set your browser to notify you before you receive cookies, so you have a chance to accept the cookies, and you can set your browser to turn off cookies by updating your privacy settings in your browser. Please note that if you choose to reject or disable cookies, your access to certain areas of our websites may be limited. You may opt out of the use of cookies used for remarketing purposes and behavioral advertising by visiting the Network Advertising Initiative opt out page at https://optout.networkadvertising.org. If you prefer not to have your IP address and corresponding geographic information collected for website analytic purposes, you may download and install the Google Analytic Opt-out Browser Add-on which is available at https://tools.google.com/dlpage/gaoptout/. You may also change your ad settings at https://www.google.com/settings/ads to control certain interest-based ads.

If you provide your email address to opt in to receiving future commercial marketing emails from us and our affiliates, then we may send information to you about our products or services and the products and services of our affiliates. To opt out from receiving commercial marketing email communications from us, please click on the opt-out (unsubscribe) link in the message you receive from us.

Third-Party Website Links

As a convenience to you, this website may provide links to third-party websites on the Internet which may be maintained by unaffiliated third parties. Unless we expressly state otherwise, we do not control, sponsor, endorse or approve any content, information, services or products that may be available on the website links that we provide. We are not responsible for the accuracy of any information received through a linked third-party website, any services or products that may be obtained through third-party website links or viruses that may reside on linked third-party websites.

Your use of this website is your acknowledgement and agreement that we are not responsible or liable to you or any other person for any claim, damages or injury which may result from your use of any third-party website content, services or products pursuant to the limitation of liability stated above.

Unaffiliated third-party websites are not within our control. When you link to those websites you leave our website and your communications are no longer subject to our website data collection policies. Your interaction and browsing on any other website that we may link to is subject to that website’s own privacy security and policies. We recommend you review those rules and policies before proceeding on any third-party websites.

Communications Terms and Conditions

By creating an account with VMF.com or VMFHomes.com, you agree that Vanderbilt Mortgage and Finance, Inc., our affiliates, or our service providers can contact you for informational purposes, at any number you provide us, using an automatic telephone dialing system or prerecorded or artificial voice calls or texts. We may contact you to provide you with information regarding your loan application or loan account, or to respond to any inquiries regarding home inventory. You may opt-out of receiving these informational calls or texts by: (a) calling us at 1-800-970-7250 (for VMF) or 1-888-884-5104 (for VMF Homes); or (b) texting STOP in response to any informational text (after texting STOP, you will receive one confirmation text from us).

If you have agreed to receive telemarketing texts from VMFHomes.com, our affiliates, and our service providers, you may opt-out of receiving telemarketing texts at any time by: (a) contacting customer support; (b) calling us at 1-888-884-5104; or (c) texting STOP to 1-865-324-5208 or in response to any telemarketing text (after texting STOP, you will receive one confirmation text from us). If you opt-out of receiving telemarketing texts, you can still use and access our services. Agreeing to receive telemarketing texts is not a condition of purchase.

You agree that we may monitor, record, retain and reproduce your text messages, telephone calls, and other communications with us. Data and message rates may apply. See your carrier for more information.

You also agree that we may contact you at any email address you provide to us, including for marketing purposes. To opt out from receiving marketing email communications from us, please click on the opt-out (unsubscribe) link in the message you receive from us.

Your Nevada Privacy Rights

If you are a Nevada resident, under Nevada Revised Statutes §§ 603A.300 et seq., you have the right to submit a Verified Request directing us not to sell certain information we may collect from you and that you provide through our websites. It is currently our practice not to sell such information, but if you would like to submit a Verified Request, please write us at: Vanderbilt Mortgage and Finance, Inc., Attention: Online Privacy Department, 500 Alcoa Trail, Maryville, TN 37804. For all requests, please include your name, street address, city, state and zip code. We will not accept requests via the telephone, email or by facsimile. We are not responsible for notices that are not labeled properly, or do not have complete information.

Copyright Infringement

We respect and are committed to protecting copyright and intellectual property rights of others and we expect users of our websites to do the same. The Digital Millennium Copyright Act of 1998 (“DMCA”), Title 178 U.S.C. §512, provides recourse for copyright owners who believe that material displayed or used on our websites infringes rights under copyright law. If you believe that any materials used or displayed on our websites infringe your copyright, you may send us a notice requesting that the material be removed. To file a copyright infringement notice with us, you will need to send a written communication that includes substantially the following information:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site. Please describe the work and where possible include a copy of the URL location of an authorized version of the work.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material on our websites (providing URLs in your notice where the content is located will help us locate the content).
• Your contact information, name, address, telephone number, or electronic mail address at which you can be contacted.
• A statement that you, as the complaining party, have a good faith belief that use of the material in the manner complained of is not authorized by you, the copyright owner, your agent or the law.
• A statement that the information in the notice is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Provide this information to our designated DMCA Agent at:

Vanderbilt Mortgage and Finance, Inc.
ATTN: Online Privacy Department
500 Alcoa Trail
Maryville, TN 37804

Ownership of Website Contents

Unless otherwise stated herein, we and our licensors are the sole owners of this website and all of its contents, including without limitation, the images and all information, services, features, functions, copyrights, trademarks, service marks, and other intellectual property rights contained within this website. You agree that all right, title and interest in this website will remain ours or our licensors’ exclusive property. Nothing in these Terms and Conditions for Website Use gives you a right to reproduce, copy, distribute, sell, broadcast, license, or otherwise use the images on the website, our name or any of our trademarks, logos, domain names, or other distinctive brand features. You may not modify, rent, lease, sell, distribute, or create derivative works based on the website unless we have given you prior written consent to do so. You may only use the website for personal, non-commercial purposes.

Use of Our Website Content

You may link to our content but only for your personal use and provided the link or post does not imply any sponsorship or endorsement by us or make use of a logo or trademark without written consent of the logo or trademark owner. You may not frame, or in-line link to any of the content on our sites or incorporate into any other website any content from our websites.

Limitation of Liability and Disclaimer

THE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS PERMISSIBLE UNDER APPLICABLE LAW. WE DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATION OR WARRANTY THAT THE OPERATION OF THE WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS, THAT ACCESS WILL BE UNINTERRUPTED, SECURE OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL ELEMENTS, THAT THE WEBSITE IS FREE FROM DEFECTS OR THAT THE WEBSITE MATERIALS ARE CORRECT, ACCURATE OR RELIABLE. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONECTION WITH THIS WEBSITE AND YOUR USE OF THIS WEBSITE AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED ON THOSE SERVERS.

YOU AGREE THAT YOU WILL BE RESPONSIBLE FOR THE ENTIRE COST OF REPAIR OR SERVICE THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT CAUSED BY ANY VIRUSES, MALWARE, ERRORS OR OTHER PROBLEMS FROM YOUR USE OR VISITING THIS WEBSITE.

WE ARE NOT LIABLE FOR ANY DAMAGES OR INJURY THAT RESULT FROM YOUR USE OF OUR WEBSITES. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY: USE OF OR INABILITY TO USE OUR WEBSITES OR ANY SITE TO WHICH YOU LINK FROM OUR SITES; ERRORS OR OMISSIONS ON OUR SITES; INTERRUPTIONS OF OR DEFECTS IN OUR SITES; OR, ANY COMPUTER VIRUS, MALWARE OR HARMFUL COMPONENTS IN OUR SITES.

YOU AGREE THAT WE ARE NOT LIABLE TO YOU UNDER ANY CAUSE OF ACTION FOR ANY DAMAGES OR INJURY CAUSED BY OR RESULTING FROM THE USE OF, OR INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF WE OR OUR AUTHORIZED REPRESENTATIVE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN CERTAIN STATES THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DISCLAIM WARRANTIES, THEREFORE, THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU AND YOU MAY HAVE THE RIGHT TO RECOVER INCIDENTAL OR CONSEQUENTIAL DAMAGES. OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS (WHETHER ALLEGED UNDER THE TERMS OF A CONTRACT, ALLEGEDLY CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR ALLEGED UNDER ANY OTHER LEGAL THEORY) WILL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS OUR WEBSITES.

What happens when this information collection and use policy changes?

From time to time we may change our information collection and use policy. The most current version of this policy will be posted here. You should periodically check here for the most current version of this policy. Any changes to this policy will not be retroactively applied. You understand and agree that your website use and access is governed by the policy that is effective at the time of your access or use of the website.

Who can I contact if I have questions regarding this website use policy?

Questions regarding this website information collection and use policy should be directed to us by email to OnlinePrivacy@ClaytonHomes.com or by writing to us at Vanderbilt Mortgage and Finance, Inc., Attention: Online Privacy Department, 500 Alcoa Trail, Maryville, TN 37804.