Legal
Privacy, terms, and disclosures
Terms of Use
NOTICE: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.
The Hoot Holdings, Inc. (“Hoot”) website (Hoot.com) includes various Web pages operated or maintained by Hoot and its related companies (collectively, the "Hoot Websites").
Copyrights and trademarks
All of the pages and screens on the Hoot Websites are owned and controlled by Hoot, except as otherwise expressly stated, and are protected by U.S. copyright laws. The Hoot logo is a service mark of Hoot. Helping You Achieve More is a registered service mark of Hoot. Other featured words used on the Hoot Websites to identify the source of goods and services are trademarks and service marks owned by Hoot or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the Hoot Websites except as authorized in this paragraph or pursuant to a written license agreement.
Web content and materials
The information maintained on the Hoot Websites and Mobile Apps is to provide users with information about Hoot's products and services and is directed at, and made available to, persons in the United States only. Through your use of the Hoot Websites and Mobile Apps, you represent and warrant that you are not located in any European Union jurisdiction. You agree that we may take active steps to prohibit the access to Hoot Websites and Mobile Apps by users located in the European Union. The information and material maintained on the Hoot Websites and Mobile Apps is subject to change without notice. Not all of the products or services described on the Hoot Websites and Mobile Apps are available in all geographic areas. Your eligibility for particular products or services is subject to final determination by and the approval of Hoot. No solicitation is made by Hoot to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law. These terms and conditions are intended to supplement the information contained in "Important Legal Notices"; however, in the event of contradiction or inconsistency, the provisions and/or terms hereof shall supersede and govern.
Cellular phone contact policy
By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number, about any product or services offered by Hoot or its affiliates. This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider. You understand that you need not provide this consent as a condition of obtaining goods or services from Hoot, and that you may decline to provide or revoke your consent at any time.
Mobile terms and conditions
Hoot Alerts
Receive special text offers and deals from Hoot Alerts through your mobile device if you accept delivery.
By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.
By signing up, you are confirming you are over the age of 13.
STOP Information
You may text STOP to a designated number at any time after you have signed up for alerts.
We take your privacy seriously. If you have any questions regarding privacy, please read our privacy policy.
No unlawful or prohibited use
As a condition of your use of the Hoot Websites, you warrant to Hoot that you will not use the Hoot Websites for any purpose that is unlawful or prohibited by the applicable terms, conditions, and notices. You may not use the Hoot Websites in any manner that could damage, disable, overburden, or impair the Hoot Websites or interfere with any other party's use and enjoyment of the Hoot Websites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Hoot Websites.
Submissions
Hoot does not claim ownership of the materials you provide to Hoot (including feedback and suggestions) or post, upload, input, or submit to any Hoot Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Hoot, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer, may supersede this provision. Any information and documents you submit in support of a Hoot loan application will be available to view and potentially download or print by any co-borrowers listed on the application.
Linked site statement
Links to websites other than Hoot Websites are provided solely as pointers to information on topics that may be useful to users of the Hoot Websites, and Hoot has no control over the content on such websites. If you choose to link to a website not controlled by Hoot, Hoot makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Hoot warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Hoot does not guarantee the authenticity of documents on the Internet. Links to non-Hoot websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.
No warranty
THE INFORMATION AND MATERIALS CONTAINED IN HOOT WEBSITES, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS." HOOT DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.
Limitation of liability
IN NO EVENT WILL HOOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) TO THE USER AND/OR ANY THIRD PARTY, ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF HOOT, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
The user's access to and use of the Hoot Websites, and the terms of this disclaimer are governed by all applicable Federal laws and the laws of the state of Texas; and the user agrees that venue shall be located in Dallas County, Texas.
Privacy Policy
At Hoot, customer service, trust and confidence is a high priority. That's why we welcome this opportunity to describe our privacy policies, the steps we take to protect and maintain your information and to let you know how you can choose how your customer information may be shared.
Please see our Consumer Privacy Notice. for a full explanation of how we collect, use and share personal information and what steps you can take to limit sharing of your information. (California Residents, North Dakota)
Privacy Policy
We collect nonpublic personal information about you, including:
- Information we receive from you on applications, surveys, online registrations or other forms (such as your name, address, assets, Social Security number, income and debt)
- Information about your transactions with us, our affiliates or others (such as account balance, transaction history or information about our communications with you)
- Information about your creditworthiness, credit history, credit scores and other facts about you that we obtain from consumer reporting agencies or from providers of marketing and demographic information.
- Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan balances or your property insurance coverage.
Protecting the confidentiality and security of your information
Keeping financial information is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.
Information use and disclosure
We may share information we have about you to give you superior service and to make a wider range of products available to you. We may share this information in the following ways:
With Affiliates of Hoot
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information" among affiliates of Hoot. "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications, such as your income or marital status
- From a credit report, such as your credit history
- From sources used to verify representations made by you, such as your open lines of credit or employment history
Within the Hoot family of companies, we may share the customer information we collect (described in the Information Collection) with:
- Affiliate companies providing financial and other services, such as mortgage lenders, insurance agencies, home security companies, lawn care and pest control companies and residential homebuilders
With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law
We may work with non-affiliated companies or organizations to provide services on our behalf in connection with the servicing of your account or to provide you with opportunities to buy products or services offered by us or jointly with other financial institutions. Consequently, we may disclose some or all of the information that we collect (described in the Information Collection ) to the following:
- Companies that perform services on our behalf, such as check and statement printers, data processing companies and vendors who monitor the status of insurance on the property
- Companies with whom we have joint marketing agreements
For your protection, we require that these companies keep all personal information confidential.
We may disclose some or all of the information that we collect (described in the Information Collection) as permitted by law. For example, we may share personal information:
- With regulatory authorities and law enforcement officials
- To protect against fraud
- To report activity to credit bureaus
- To respond to a subpoena
- To service your account
- With other third parties
We may disclose some or all of the information that we collect (described in the Information Collection) with non-affiliated companies or other organizations, including:
- Financial service providers, such as mortgage bankers, securities broker-dealers and insurance agents
- Non-financial companies, such as retailers, direct marketers, membership clubs and publishers
- Other companies and organizations, such as non-profit organizations
Text messaging opt-in consent will not be shared with or transferred to third parties for the purposes of allowing them to text for marketing or promotional purposes.
If you prefer that we not share nonpublic personal information about you with non-affiliated companies and organizations as described in this section (except information described above under Information Sharing "With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law"), you may opt out, that is, you may direct us not to share this information, by chatting with us.
Maintenance of accurate information
We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by chatting with us or send a written inquiry to us at Hoot, Attention: Customer Service Department, 5925 Forest Ln, Ste 509, Dallas, TX 75230. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner. former customers
Companies providing this notice
This policy is provided by Hoot and its subsidiaries.
You may opt out as described in this Privacy Policy. Please allow up to four weeks to process your opt out request. You do not need to notify us if you have decided not to opt out. If at a later time you wish to change these opt out instructions, please contact our customer service department through chat with us.
Upon contacting the customer service department at the above listed toll-free number, your opt-out choices will be as reflected below.
- Please do not share non-experience information about me with an affiliate of Hoot. If you opt out, you may not receive offers for other products or services from the affiliates of Hoot that may be of value to you.
- Please do not share nonpublic personal information about you with non-affiliated companies and organizations as described in this notice (except information described above under Information Sharing "With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law"). If you opt out, you may not receive offers for other products and services from companies and organizations not affiliated with Hoot that may be of value to you. Note for Accounts with Co-Borrowers: Your opt out choices will also apply to co-borrowers.
Cookies and other technical information
We may send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "Web beacons," which monitor your use of our Web sites. Tracking systems (Web beacons or Web bugs) are small strings of code that provide a method for delivering a graphic image on a Web page for the purpose of transferring data, such as the IP (Internet Protocol) address of the computer that downloaded the page on which the Web beacon appears, the URL (Uniform Resource Locator) of the page on which the Web beacon appears, the time the page containing the Web beacon was viewed, the types of browser that fetched the Web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, Web beacons let us know whether you received and opened our e-mail.
On their own, cookies or Web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish one of our Web sites with personally identifiable information, this information can be linked to the data stored in the cookies/Web beacons.
Your ongoing use of our Web sites constitutes your acceptance of this Privacy Policy, and you specifically agree to our described use of cookies and Web beacons. You may adjust your browser to reject cookies from us or from any other site. Additionally, by setting your Web browser to display HTML e-mails as text only, you may be able to prevent the use of some Web beacons. Please consult the "Help" section of your browser for more information. However, certain areas of our Web sites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.
Target advertising
We may also use technologies to collect information about your online activities over time and across third party websites or other online services (behavioral tracking). We believe that this online behavioral tracking helps to provide you with more relevant advertising based upon on the websites you visit. Third parties may also use similar technologies to collect information about your online activities over time and across different third party sites, including your use of this Hoot website.
You can visit the NAI Opt-Out website for information on how you can opt out of behavioral tracking on this website. Using the choice mechanisms these programs make available may help you see advertising that is relevant to you or help you avoid seeing interest based advertising generally. Please note that the Hoot website does not respond or honor “Do Not Track” requests.