Updated March 24, 2008
This Site is controlled by Hovnanian from its offices in the United States. Hovnanian does not represent that this Site is appropriate or available for use in other countries. If you choose to visit this Site from another country, you do so at your own initiative, with the understanding that information collected from this Site may be stored, collected and used in a country whose privacy laws may be different from and less protective than those of your home country.
Information About You
We collect several types of information on our Site. We collect "Personal Information," which is information that is used by Hovnanian to identify you individually, such as your name and address. We also collect "Aggregate Information," which is information that does not contain Personal Information or from which Personal Information is removed. An example of Aggregate Information is information about use of our Site, such as pages visited on our Site. "Financial Information" means financial information collected during the online mortgage or loan application process. Financial Information is collected and used in accordance with the policies outlined in the K. Hovnanian American Mortgage, LLC. Privacy Notice. The information we collect depends on what services you use on our Site. The following is a more detailed explanation of these types of information as well as when and how we collect and use them.
Personal and Non-Personal Information:
Email Services- If you provide us with your email address and opt in to any email notification features that Hovnanian may now have or may develop in the future, you will receive email updates from Hovnanian. Hovnanian provides users the opportunity to opt out of receiving communications from Hovnanian by replying to the email sent with the word "unsubscribe" as the subject line.
Order Forms- Our Site uses forms for you to request information, products and services and to submit resumes. We may collect financial information such as your mortgage amount on forms when you request certain information. If we do so, we may share this transactional information with other entities as is necessary to process your orders.
Surveys- From time to time, we may collect information through online surveys, questionnaires or information requests on our Site. These surveys may request demographic information (such as age range, gender, areas of interest) and customer feedback. Participation in these requests is completely voluntary and with each request you will have the choice of whether or not to disclose information. We may use such survey information to analyze our Site and to improve users' overall experience on our Site.
Administrative Purpose- We may collect and use information that identifies you personally when you submit comments, questions or suggestions through our Site. For example, if you submit questions to firstname.lastname@example.org or submit order forms we will use the information you provide to respond to you. We also may collect and use your information to contact you when necessary for administrative purposes related to your account or orders.
Resumes- If you submit your resume to us or complete a form related to a job opening on our Site, we may use the information to contact you, in our sole discretion, or we may store it in our files in a manner consistent with the way we store other information related to job applications.
Disclosure of Your Personal, Financial and Aggregate Information:
Hovnanian does not sell or disclose Personal Information without consent except as set forth below. We may disclose, or otherwise dispose of Personal Information we collect in the following circumstances:
• Consultants- Occasionally, we may hire consultants that may need access to our customer database to perform their services for us, such as administering our mailing lists. We require that our vendors, consultants and contractors keep Personal Information confidential and use it only in accordance with the service agreement between Hovnanian and such contractor, vendor or consultant.
• Transaction Processing- When you indicate that you want to receive a product or service (such as title insurance, free brochures or mortgage pre-approval), or contact a person or organization, we share the data needed for you to receive the goods or services you have requested.
• Legal Requirements- We may disclose personal information if required to do so by law or in the good faith belief that such action is reasonably necessary to: (a) conform with the law, respond to claims or comply with legal process served on Hovnanian or the Site; or (b) protect and defend our rights or property, the Site, our employees, guests or the public.
• Company Sale- Because information collected through the Site and services is a trade secret and asset of Hovnanian, we may disclose or sell such information in the event of the sale of the company or some or all of its assets.
• Jobs- When you submit your resume or other information in connection with a job opening at Hovnanian, we may disclose or transfer personal information and other information you submit to employees and consultants involved in the recruiting and hiring of job applicants.
We collect "Aggregate Information" about you and your use of our Site whenever you visit us online. For instance, we may collect various forms of "click stream" information such as entry and exit points for our Site (i.e., referring URLs or domains), site traffic statistics, page views, impressions, and operating system and browser type. In addition, when users request pages on our Site, our servers automatically log their IP addresses. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web.
We may collect, compile, store, publish, promote, report, sell, or otherwise disclose or use any and all Aggregate Information.
If we do correlate any Aggregate Information to you, such information will be treated like any other personal information under this policy.
We may make use of "cookies" on our Site. Cookies are small text files that are stored on a user's computer by a Web server based on the permissions set in a user's browser software. A cookie itself is not designed or intended to read any information from a user's computer (other than the contents of the cookie); rather, it is an identifier used by the Web site that originally placed it on your hard drive. The actual contents of the cookie information can be retrieved by the same server to identify the computer and subsequently to customize, monitor, or regulate the use of a site based on information stored in the cookie and the host server. Therefore, cookies only identify the user's computer to the Web site that may correlate other information, including personal information, with the cookie.
Cookies allow us to automate access and data entry functions of our Site such as login information, correlate online ordering information for purchases you may make while at the Site (if any), tailor the Site to your preferences or interests, or customize promotions or marketing. In addition, cookies allow us to track usage of the Site to determine which areas are useful or popular and which are not, thereby enabling us to improve and update the Site effectively.
Some portions of our site may use web beacons in conjunction with cookies to understand user behavior. A web beacon is an electronic image, called a single-pixel (1x1) or clear GIF. Web beacons can recognize certain types of information on a visitor's computer, such as a visitor's cookie number, time and date of a page view and a description of the page where the web beacon is placed. Some Web beacons may be unusable if you elect to reject their associated cookies.
Hovnanian uses reasonable efforts to store and maintain personal information to protect it from loss, misuse, alternation or destruction by any unauthorized party. No financial information or social security information is stored on or otherwise accessible through our Site. When we do transmit your data, we use only Secure Servers using current encryption technology to encode your data safely. The personal data stored on our system is protected by a firewall designed to keep unauthorized users from accessing our network.
While on the Hovnanian Site, you may be referred to web sites other than our Site ("Outside Sites"). A link from our Site to an Outside Site does not imply endorsement of that site nor any ability to control that site's privacy practices. Be aware that Outside Sites may collect data and personal information and operate according to their own privacy practices. Therefore, you should carefully review the privacy policies of Outside Sites before submitting any Personal Information on them.
To respect the privacy of children and to comply with the Children's Online Privacy Protection Act, the Services are not available for children under the age of 13. Our Site is a general audience site that is not designed nor intended to collect personal information from children under the age of 13. If you are under 13 years old, you should not request any information nor provide any Personal Information to this Site.
This Site provides you the opportunity to opt out of receiving communications from us. To opt out of receiving marketing information or to unsubscribe from any specific email service, email a request to email@example.com.