Blend Agent Privacy Notice

If you are California resident, please see our Notice at Collection for California Residents.

This Privacy Notice (“Privacy Notice”) describes and governs the information collection, use, and sharing practices of Blend Labs, Inc. and its subsidiaries, affiliates, and divisions as may change from time to time (collectively, “Blend”, “we”, “us”, and “our”) with respect to use of the Blend Agent mobile application (the “App”), and the services we provide through our App (collectively, the App and the services available through them are the “Services”).

Before you use or submit any information through or in connection with the Services, please carefully review this Privacy Notice. By using any part of the Services, you understand that your information will be collected, used, and disclosed as outlined in this Privacy Notice. IF YOU DO NOT AGREE TO THIS PRIVACY NOTICE, PLEASE DO NOT USE THE SERVICES.

 

1. Information We Collect

 

We collect information in multiple ways, including when you provide information directly to us; when we passively collect information from you, such as from your browser or device; and from third parties. We may combine all of the information we collect about you from these various sources.

Information You Provide Directly to Us

We will collect any information that you provide to us. For example, if you create an account with us, we will collect information such as your name, email address, phone number, mailing address, and other profile information. We will also collect information you send through the Services from and about your clients and prospective clients. You should never transmit information about your clients and prospective clients through the Services without their explicit consent, and you should handle their information in accordance with their instructions and applicable privacy laws. If you access the Services through a third-party connection or log-in (e.g., through a social network), you may allow us to have access to and store certain information from your social network profile. This includes your name, gender, and profile picture, depending on your settings on such services. If you do not wish to have this information shared, do not use a social networking connection to access the Services. For a description of how social networking sites handle your information, please refer to their privacy policies and terms of use, which may permit you to modify your privacy settings.

Information that Is Automatically Collected Device/Usage Information

We may automatically collect certain information about the computer or devices you use to access the Services. As described further below, we may collect and analyze information such as (a) IP addresses, general location information (e.g., city/state), unique device identifiers, IMEI and TCP/IP address, and other information about your device(s), browser types, browser language, operating system, and mobile device carrier information; and (b) information related to the ways in which you interact with the Services, platform type, the number of clicks, domain names, content viewed, the date and time you used the Services, the frequency of your use of the Services, error logs, and other similar information. As described further below, we may use third-party analytics providers and technologies, including cookies and similar tools, to assist in collecting this information. Please note that we will ask your permission before collecting your precise GPS location.

Information from Third Parties

We may also collect information about you or others through non-affiliated third parties, including partners, marketers, and researchers, and combine such information with other information collected directly from you.

Cookies and Other Tracking Technologies

We also collect data about your use of the Services through the use of Internet server logs and online tracking technologies, like cookies and/or tracking pixels. A web server log is a file where website activity is stored. A cookie is a small text file that is placed on your computer when you visit a website, that enables us to: (a) recognize your computer or device; (b) store your preferences and settings; (c) understand usage trends; (d) enhance your experience by delivering content specific to your inferred interests; and (e) assist with security and other administrative functions. As we adopt additional technologies, we may also gather additional information through other methods.

Please note that you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser for more information (e.g., Google Chrome; Mozilla Firefox; or Apple Safari). Please note that by blocking any or all cookies, you may not have access to certain features or offerings of the Services.

 

2. How We Use Your Information

 

We may use the information we collect from and about you for the following purposes:

  • For the purposes for which it is provided, such as to facilitate connections between agents and lenders;
  • To provide and improve the Services, including to develop new features or services, to take steps to secure the Services, and for technical and customer support;
  • To send you information about your relationship or transactions with us, account alerts, or other similar communications;
  • For marketing and advertising purposes, including to contact you with information or surveys that we believe may be of interest to you both regarding our products and Services and those of third parties;
  • To process and respond to your inquiries or to request your feedback;
  • For analytics, research, and reporting, including to synthesize and derive insights from your use of our Services;
  • For internal administrative purposes, such as taking steps to secure the Services;
  • To comply with the law and protect the safety, rights, property, or security of Blend, the Services, our customers, and the general public; and
  • To enforce our Terms of Use, including to investigate potential violations thereof.

We may aggregate and/or de-identify information collected through the Services. We may use de-identified and/or aggregated data for any purpose, including without limitation for research and marketing purposes.

 

3. When We Disclose Your Information

 

We may disclose and/or share your information under the following circumstances:

Service Providers. We may disclose your information to third parties who perform services on our behalf, including, without limitation: marketing, market research, customer support, data storage, data analysis and processing, and legal services.

Legal Compliance and Protection of Blend and Others. We may disclose your information if required to do so by law or on a good faith belief that such disclosure is permitted by this Privacy Notice or reasonably necessary or appropriate for any of the following reasons: (a) to comply with legal process; (b) to enforce this Privacy Notice, or other contracts with you, including investigation of potential violations thereof; (c) to respond to your requests for customer service; and/or (d) to protect the rights, property, or personal safety of Blend, our agents and affiliates, our customers, and the public. This includes exchanging information with other companies and organizations for fraud protection, and spam/malware prevention, and similar purposes.

Business Transfers. As we continue to develop our business, we may buy, merge, or partner with other companies. In such transactions, (including in contemplation of such transactions, e.g., due diligence) your information may be disclosed. If any of Blend’s assets are sold or transferred to a third party, our data (including your contact information) would likely be one of the transferred business assets.

Affiliated Companies. We may disclose your information with current or future affiliated companies.

Consent. We may disclose your information to any third parties based on your consent to do so, such as when you request that we facilitate a connection and/or exchange of information with another party through the Services.

Aggregate/De-identified Information. We may disclose de-identified and/or aggregated data for any purpose to third parties, including advertisers, promotional partners, and/or others.

 

4. Online Analytics

 

We may use web analytics services (such as those of Google Analytics) on our Services to collect and analyze the information discussed above and support the uses of information described above. The information collected by various analytics technologies described in the “Cookies and Other Tracking Technologies” section above will be disclosed to or collected directly by these service providers, who use the information to evaluate your use of the Services, including by analyzing usage trends, assisting with fraud prevention, and providing certain features to you. To learn more about Google’s privacy practices, please review the Google Privacy Policy; to prevent Google Analytics from using your information for analytics, you may install the Google Analytics Opt-out Browser Add-on by clicking here.

 

5. Your Choices and Rights

 

If you have registered for an account with us through our Services, you can update certain information and your email communications options by logging into your account and updating your account information and communications settings. You can unsubscribe from marketing emails by clicking the “unsubscribe” link they contain or emailing us at privacy@blend.com with your communications preferences. You may also be able to review and update certain personal information by emailing us at privacy@blend.com.

 

6. California Residents

 

This section of this Notice applies solely to those individuals who reside in the State of California (“consumers” or “you”). We are providing this Privacy Notice in compliance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California privacy laws. Any capitalized terms used in this section that are not defined in the Notice itself have the same definition as used in the CCPA and its implementing regulations.

Certain information we collect may be exempt from the CCPA because it is considered public information (i.e., it is made available by a government entity) or covered by a specific federal privacy law, such as the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, or the Fair Credit Reporting Act.

 

Notice at Collection Regarding the Categories of Personal Information Collected

You have the right to receive notice of the categories of personal information we collect, and the purposes for which we use personal information. The categories we use below to describe personal information are those enumerated in the CCPA. We collect this personal information for the purposes described in the How We Use Your Information section above.

 

Information Type Collected Disclosed Sold Recipients:

Personal Identifiers:

– Contact information (such as name, phone number, address, email address)

– Unique identifiers (such as those assigned in cookies)

Yes Yes No

– Vendors/Service Providers

– Affiliates of Blend

– Lenders or other Financial Services Providers

Geolocation Information:

– Precise (e.g., via IP address)

Coarse (e.g., ZIP code)

Yes Yes No

– Vendors/Service Providers

– Affiliates of Blend

– Lenders or other Financial Services Providers

Internet or Electronic Network Activity Information:

– IP address

– Device identifier (e.g., MAC)

– Information provided in URL string (e.g., search keywords)

– Cookie or tracking pixel information

– Information about your interaction with our website, app, or email correspondence

Yes Yes No

– Vendors/Service Providers

– Affiliates of Blend

– Lenders or other Financial Services Providers

Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information:

– Call recording (e.g., customer service calls)

– Photographs

Yes Yes No

– Vendors/Service Providers

– Affiliates of Blend

– Lenders or other Financial Services Providers

Professional or Employment-Related Information:

– Current employer

– Employment history

Yes Yes No

– Vendors/Service Providers

– Affiliates of Blend

– Lenders or other Financial Services Providers

We do not collect the following categories of information from you:

  • Education Information
  • Biometric Information
  • Inferences Drawn About You
  • Commercial Information
  • Protected Classifications
  • Payment Information
  • Health Information

Right to Know

California law provides California consumers with the right to request that certain covered businesses provide you (i) the categories of personal information we collect, use, disclose or sell about you; (ii) the categories of sources of such information; (iii) the business or commercial purpose for collecting or selling your personal information (as applicable); (iv) the categories of personal information we sell or have sold or disclosed for a business purpose about the consumer and the categories of third parties to whom we’ve disclosed your personal information and, (v) specific pieces of personal information that a business has collected about the consumer. This “Right to Know” is subject to certain exceptions as provided by law.

Right to Delete

California law provides California consumers with the right to request that certain covered businesses delete personal information that they have collected from you. This “Right to Delete” is subject to certain exceptions as provided by law.

Blend does not sell your data

While the CCPA provides California residents with the right to opt out of the “sale” of their personal information, Blend has not “sold” consumer personal information in the preceding 12 months and does not “sell” your personal information as we understand that term to be defined by the California Consumer Privacy Act and its implementing regulations.

Authorized Agents

When a consumer uses an authorized agent to submit a request to know or a request to delete, a business may require that the consumer do the following (this does not apply when a consumer has provided the authorized agent with power of attorney pursuant to Probate Code sections 4000 to 4465):

  • Provide the authorized agent signed permission to do so.
  • Verify their own identity directly with the business.
  • Directly confirm with the business that they provided the authorized agent permission to submit the request.

A business may deny a request from an authorized agent that does not submit proof that they have been authorized by the consumer to act on their behalf.

Additional Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask certain covered businesses for a notice (a) identifying the categories of personal information (as defined by California law) that are shared with third parties for their own marketing purposes and (b) providing contact information for such third parties. However, as disclosed here in our Privacy Notice, Blend does not share such personal information for these purposes.

Financial Incentives

We do not offer financial incentives for the collection of your data. If this changes, we will notify you prior to doing so, and we will obtain your consent to opt-in to this program before enrolling you.

Non-discrimination Rights

You also have the right to not be discriminated against for exercising certain of your rights under the CCPA. If you exercise your rights under 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.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Contact us

If you have any questions regarding your rights under California law or would like to make a request based on your rights indicated above, you may use this webform or reach out to us at privacy@blend.com.

In order to process your request to know/access or delete personal information we collect, disclose, or sell, we must verify your request. We verify your identity by asking you to provide personal identifiers and a form of identification so that we can match against information we may have collected from you previously and confirm your request using the email or telephone account stated in the request. We will not use personal information we collect in connection with verifying or responding to your request for any purpose other than responding to your request.

 

7. Nevada Residents

 

Under Nevada law, certain Nevada consumers may opt out of the sale of certain pieces of their information to other companies who will sell or license their information to others. We do not engage in sales subject to this law; however, if you are a Nevada resident, you may submit a request to opt out of any potential future sales under Nevada law by emailing privacy@blend.com. Please note we will take reasonable steps to verify your identity and the authenticity of the request. Once verified, we will maintain your request in the event our practices change.

 

8. Security

 

We have implemented administrative, technical, and physical security measures to protect against the loss, misuse, and/or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect and store. However, we cannot and do not guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information since despite our efforts, no Internet and/or other electronic transmissions can be completely secure.

 

9.Data Retention

 

We will hold your information for as long as necessary to fulfill the purposes set forth in this Privacy Notice or as long as we are legally required or permitted to do so.

 

 

The Services may contain links to third-party websites, applications, and other services. Please be aware that we are not responsible for the privacy practices of such other sites and services. If you choose to use such third-party links and services, we encourage you to read the privacy statements of each and every site you visit.

 

11. Changes to this Privacy Notice

 

We will continue to evaluate this Privacy Notice as we update and expand our Services, and we may make changes to the Privacy Notice accordingly. Any changes will be posted here and you should check this page periodically for updates. If we make material changes to this Privacy Notice, we may provide you with notice if required by law.

 

12. Questions About this Privacy Notice

 

If you have any questions about this Privacy Notice or our privacy practices, you can contact us using the following information:

Blend Labs, Inc.
415 Kearny Street
San Francisco, CA 94108
Tel: (650) 550-4810
Email: privacy@blend.com