Privacy Policy

U.S. Consumer Privacy Notice
Your Privacy Choices
Social Security Number Privacy Policy

This Privacy Policy describes the collection, use and disclosure of information on this website this “Website”), on our mobile sites, applications and mobile interactive features (“Mobile Applications”), , and in connection with email messages we may send to you. It also describes the collection, use and disclosure of information by us in person, such as in one of our branches. This Website, our Mobile Applications and our Social Media Pages are collectively referred to in this Privacy Policy as our “Sites.” Our Sites are owned and operated by DHITIC Insurance Company (hereinafter “DHITIC,” “we” or “us”). As used herein, the words “user,” “you,” and “your” mean individuals who interact with DHITIC.

Where applicable, you consent to the use of your information as described in this Privacy Policy each time we collect information from you, including in person and when you access or use our Sites, so we urge you to read this document in full, and Contact Us if you have any questions.  Capitalized terms in this Privacy Policy are defined in the Definitions section of this Privacy Policy.  Throughout this Privacy Policy, where we refer to residents of a particular location, we mean individuals who are currently resident in that location as indicated by information regarding their place of residence that they have provided to us (such as through submission of an online form), or as otherwise made available to us.

By creating an online Account on our Sites, you agree that you will keep your username and password secure and not share them with others.  You understand and agree that creation and use of your online Account is subject to our Terms of Use, and that you are responsible for all activities that occur under your Account or password. 

Categories of Information We Collect Online and Offline

When you interact with DHITIC, we collect information from that interaction, for example, from your visits to, and use of, our Sites, from your email correspondence to us, from your submittal of an employment application and our processing and review of that application, from your online responses to us, from your interaction with us in one of our branches and from other things that you post online, for example, on social media public pages and profiles on Facebook, Twitter, LinkedIn, and Instagram.  When this information is reasonably capable of being associated with you, we refer to this information as Personal Information.
 
Certain Personal Information that we collect is Non-Public Personal Information or NPPI.  NPPI generally includes non-public personally identifiable financial information that we have collected from or about you, or that has resulted from a transaction for you in our delivery of financial products and services to you.  NPPI also includes any list, description, or other grouping of consumers and their publicly available information that is derived using any personally identifiable financial information that is not publicly available. We use, share and protect NPPI in accordance with the DHITIC U.S. Consumer Privacy Notice, your privacy choices and applicable law.
 
At DHITIC, we may collect and share the following categories of Personal Information, and have collected and shared such categories of Personal Information:

Identifiers: Identifiers are information directly linked to a particular individual.  For example, depending on the circumstance, DHITIC may collect your name, address, email address, or phone number as part of the delivery your title insurance policy or other interaction.  Identifiers also include more sensitive information that may be gathered from you or others about you, including your social security number or other government issued identification number, where that information is necessary in order to complete a transaction.  If you request us to provide title insurance for you, or otherwise engage in a commercial transaction with us, we also may also collect financial information and other information necessary to complete your transaction.
  
We collect this information from you, from publicly available sources, and from our Third-Party Service Providers and other third parties, we share it with our Third-Party Service Providers, our Affiliates or other third parties to complete transactions you have requested and maintain a record of those transactions, for employment purposes, to comply with certain legal obligations, or to provide you with information about our products and services.  Depending on the nature of your interaction with DHITIC, we may be required by law to collect this information.
 
In all cases, however, where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

Customer Records: Certain Identifiers may also be included in our customer records.  These are records of our business transactions and interactions with you, and often include your name, address, or other information collected during, and for the purpose of effectuating, those business transactions.  We collect this information from you, or from our Third-Party Service Providers acting on our behalf or other third parties.  Our use of this information is identical to the way we handle “Identifiers,” as described above.

Legally Protected Characteristics: Depending on the nature of our interaction with you, we may be required under state or federal law to collect certain information related to legally protected characteristics.  This may include your age, sex, gender, sexual orientation, race,  ethnicity, or disability.  Employees of DHITIC may view in the Employee Privacy Policy additional information regarding collection of legally protected characteristics in the employment process. We collect this information from you, and maintain and disclose this information in order to comply with certain legal obligations, complete transactions you have requested and for employment purposes. 

Commercial Information: Depending on the nature of our interaction with you, we may collect certain commercial information related to you, including property records or records of past purchases involving DHITIC, or its Affiliates.  We collect this information as a result of our transactions with you, either from you directly or from our Third-Party Service Providers acting on our behalf or other third parties.  We may also collect certain commercial information from publicly available sources in order to facilitate our transactions with you.
 
We use this information to complete transactions you have requested and maintain a record of those transactions.  While we do not often share this information with third parties, at times we share this information with our Third-Party Service Providers, including our financial processing service providers and other entities that assist us in facilitating our transactions with you, for these purposes.  We may also share this information with DHITIC Affiliates for these purposes, and our analytics providers. In all cases, however, where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

Internet Activity and Identifiers: When you interact with DHITIC online, we may collect certain information about you, including your interactions with our Sites, your IP Address, and other unique online identifiers that may be associated with you or your device.
 
We collect this information in order to enhance your experience on our Sites.  We share this information with DHIITC Affiliates and certain of our Third-Party Service Providers, such as our analytics providers. In all cases, however, where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

Geolocation Data: You may provide certain location information to us as part of your inquiry into our products and services.
 
We share this information with DHI Mortgage Affiliates and certain of our Third-Party Service Providers, such as our analytics providers. In all cases, however, where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

Video or Audio Recordings: Depending on the nature of your interaction with us, you may have provided us with video or audio recordings or consent to record our interactions with you.  These may be recordings of your interactions with our customer representatives or voicemails you may leave us. We collect video or audio recordings with your consent, or as permitted by applicable law.  We use those recordings only for training purposes, security purposes, or to respond to your request.  We may also use testimonial recordings for marketing purposes but will only do so with your consent.
 
Professional or Employment-Related Information: DHITIC may collect certain professional or employment-related information about you, either to complete transactions you have requested, or, if you apply for a job with DHITIC or one of our affiliates, to evaluate your candidacy for employment with DHITIC.  In this way, we collect professional information from you directly, or from our Third-Party Service Providers and for the specific purposes outlined during the collection.

While we may share your professional or employment-related information with our Affiliates, or with our Third-Party Service Provider or other third parties as required by law or to facilitate our transactions you have requested or for employment purposes, we do not share your professional or employment-related information with third parties for other purposes.
 

Educational Information: DHITIC may collect certain educational information about you either as part of our business transactions with you or, if you apply for a job with DHITIC or one of our affiliates, to evaluate your candidacy for employment.  In this way, we collect educational information from you directly, or from our Third-Party Service Providers and for the specific purposes outlined during the collection.

While we may share your educational information with our Affiliates and third parties, such as our Third-Party Service Providers, to facilitate transactions you have requested or for employment purposes, we do not share your educational information with third parties for other purposes.

Sensitive Personal Information: Some of the personal information we collect, such as social security numbers or legally protected characteristics, may be considered sensitive personal information under applicable law.  We collect sensitive personal information either as part of our business transactions with you, or to evaluate your candidacy for employment if you apply for a job with D.R. Horton or one of our Affiliates. Where we collect sensitive personal information we do so with your consent, or as permitted by applicable law.

We use sensitive personal information only to comply with certain legal obligations, to complete the transactions you have requested, or for employment purposes. While we may share your sensitive personal information with our Affiliates and third parties, such as our Third-Party Service Providers, to facilitate our transactions with you, or for employment purposes, we do not share your sensitive personal information with third parties for other purposes.
 
Other Information We Collect

Anonymous Information: Other information we collect is Anonymous Information – that is, information that does not include Personal Information, or from which Personal Information has been deleted. Anonymous Information does not identify, and cannot be used to reasonably determine, the identity of an individual.

Aggregate Information:  We may also gather Anonymous Information of many individuals and combine that information. Aggregate Information does not identify, and cannot be used to reasonably determine the identity of, an individual. Aggregate Information is about groups or categories of visitors rather than individual visitors.

Additional information about how we use and share Personal Information that is NPPI can be found in the DHITIC U.S. Consumer Privacy Notice, which may also provide you with choices regarding how we may share and use this information.

If you end your relationship with us, we will continue to safeguard your Personal Information in accordance with this Privacy Policy and our U.S. Consumer Privacy Notice, as well as the other privacy notices linked to this Privacy Policy.

We collect Personal Information, including NPPI, about you from the following sources

Information we receive from you: You may provide information to us online or in person, on online employment applications or other forms, or in discussions with us via the Internet including Live Chat, videoconference, by telephone or otherwise.  Such information may include your income, assets, liabilities, social security number, and other financial and credit information.  Unless prohibited by applicable law, we may combine information you provide to us online with information that you provide to us in person, with publicly available information or with information provided to us by third parties such as social media platforms and data aggregators.

Information about your transactions with us or others: We may obtain information regarding your transactions and experiences with us or others, such as your payment histories, account balances, and other transaction records. 

Information we receive from third parties:  We receive information from third parties such as your employment history, property insurance coverage, and banking relationships. If you have responded to, or interacted with, third parties that share your information with us, we collect the information the third parties provide to us, including your email address.

Information we receive from consumer reporting agencies: We receive information from consumer reporting agencies such as your credit history, credit usage, and credit score.

Email: If you provide your email address to us and do not opt out from receiving commercial emails from us, you may receive emails from us regarding DHITIC products and services, and we will collect your email address and other information that you provide as well as Automated Information that we collect. You may Opt-Out of the receipt of email communications from DHITIC by clicking an “unsubscribe” button in email communications from DHITIC.

Social Media: DHITIC and its Affiliates may maintain profiles and pages on social media platforms including, but not limited to, Facebook, Twitter, LinkedIn, and Instagram. DHITIC may collect the information you post or send to us on social media platforms including Personal Information, pictures or other information. Information posted on such pages is also subject to the privacy policies and terms of use of the respective social media platforms. It is important to remember information posted on our Social Media Pages may become public or may be separately collected by third-party social media sites or platforms. In addition, our Sites provide social media features like "Follow," "Like," "Share" and "Link" buttons that collect your IP Address, and may place Cookies on your device in order to allow the functionality to perform properly. Also, depending upon how you link your social media account to other accounts and our Sites, or if you choose to send messages to your friends via our Social Media Pages, certain Personal Information from your social media account may be shared with us, which may include Personal Information from your profile or your friends' profiles. By linking to our Sites in such a manner or sending messages to your friends through our Social Media Pages, you are indicating to us you have the right to share contact information about your friends. You should always remember the information you post on our Social Media Pages is subject not only to this Privacy Policy, but also the privacy policies and Terms of Use of the respective third-party social media site or platform, and in accordance with those third-party privacy policies, may be collected by those sites and platforms, and may be made public. This Privacy Policy will be posted on those Social Media Pages where it solely governs our collection, use and sharing of your information.
 
Your Online Accounts:  Visitors to our Sites have the ability to create online Accounts.  Through your online Accounts, you may apply for prequalification for a mortgage, apply for a refinance of your current mortgage, make a mortgage payment or conduct other business with us. When you provide information to us to perform those functions and others that are available through your Accounts, we collect that information subject to this Privacy Policy, our U.S. Consumer Privacy Notice or, where noted, the privacy policy of our Third Party Service Provider.
 
Collection of Automated Information: We and our Third Party Service Providers have automated means of collecting information from you when you visit our Sites or otherwise interact with us online. We use the information collected for many purposes - to allow user-friendly visits to our Sites by, for example, improving your ability to navigate our Sites, to assist you in interacting with our Sites, to personalize your interaction with us and to allow our servers to recognize your browser the next time you visit our Sites; to improve security on our Sites; and to inform us of activity concerning our Sites. We also collect and develop statistical, Aggregate Information to continually improve the functionality of our Sites.
 
Technologies: We and our Third Party Service Providers may use various automated technologies for the collection of information about your online activities when you visit our Sites.  To the extent any of this information is collected through the use of “non-essential Cookies,” if you reside in the European Economic Area, the UK, or Switzerland, we only collect this information with your consent.
 
Information Collected: Information may be collected from you, and about you, by automated technologies when you visit our Sites that identifies you as a unique customer, stores personal preferences, and tracks and monitors your usage on our Sites. Information collected by these automated technologies may also include the pages visited on our Sites, links clicked on, search data and terms, information collected from your mobile device when you use certain mobile applications, online authentication, type of computer, mobile device or tablet you are using, your Media Access Control (“MAC”) address, your operating system and version, your Internet browser type and version, your IP Address, the date and time of your visits, and the length of time you spend on our Sites. This Automated Information may be matched to Personal Information you share with us when you visit our Sites. In all cases where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

Your Settings: Some of the Automated Information that would otherwise be collected by us and our Third Party Service Providers or other third parties may be limited by your computer, mobile device or tablet settings; however, changing your settings does not guarantee that your information will not be collected or that you will not be tracked on the Internet. Settings that do not allow certain technologies may interfere with your use of our Sites. For example, if you do not allow the use of Cookies, our servers will not be able to recognize your browser. And, if you decide to reject Cookies, you will need to manage your individual Cookie setting on each of your devices.
 

Use of Cookies 

Types of Cookies: We use Cookies to provide, protect, and improve our products and services, such as by personalizing content, understanding user behavior, and providing a safer experience. We describe below the various types of Cookies we use and the purposes they perform. Please note the specific Cookies we may use vary depending on the services you use. To see the specific Cookies we are placing, opt-out of those you no longer wish to receive, or opt back in if you have previously opted out, please visit our Cookie Consent Tool. If you are a resident of the European Economic Area, the UK, or Switzerland, only essential Cookies are used, without your consent, when you visit our Sites. In all cases where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.
 
Essential Cookies: These Cookies are strictly necessary to provide you with our Sites and services and to enable essential features.  If you disable these Cookies, we will not be able to fulfill your requests.
 
Performance and functionality Cookies: These Cookies collect information about how you use our Sites and allow us to remember the choices you make while browsing.  The information these Cookies collect allows us to optimize our Sites and make them easier for you to use, and it does not personally identify you.  If you disable or opt out of these Cookies, you may not be able to use certain features of our Sites, applications, and services, and it may reduce the support or information we can provide you.

Analytics and customization Cookies: These Cookies collect information we use in aggregate form to help us understand how our Sites are being used and how effective our marketing campaigns are, and to help us customize our Sites.  If you disable or opt out of these Cookies, you may not be able to use certain features of our Sites, applications and services, and it may reduce the support or information that we can provide you.

Cookies Placed by Third Parties: You may also encounter Cookies on our Sites, applications and services that are placed by third parties. If you are a resident of the European Economic Area, the UK, or Switzerland, we do not permit the placement of non-essential third-party Cookies without your consent.  And, in all cases where we have collected NPPI, our use. sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.
 
This Cookie section does not apply to the Cookies, applications, technologies, or websites that are owned and/or operated by third parties, or such third parties' practices, even if they use or access our technology to store or collect information.  To understand how third parties use Cookies, please review their privacy and cookie policies.

Controlling and Opting Out of Cookies.
To see the specific Cookies we are placing, opt-out of those you no longer wish to receive, or opt back in if you have previously opted out, please visit our Cookie Consent Tool.  Your browser or device also may offer settings that allow you to choose whether browser Cookies are set and to delete them.  For more information about these controls and to exercise your Cookie preferences, visit your browser or device's help material.  If you choose to reject Cookies, as noted above, you may not be able to use certain features of our Website and services. To learn more about Cookies, visit http://www.allaboutcookies.org. 
 
Our Use of Your Information and the Categories of Third Parties with Whom We Share Your Information

Generally speaking, we use Personal Information and Anonymous Information to provide, improve, and develop our products and services, to communicate with you, and to protect us and our users.
 
We do not disclose Personal Information about you or any of our other consumers, customers or former customers to our Affiliates or to nonaffiliated third parties except as permitted by law, including, but not limited to, Title V of the Gramm-Leach-Bliley Act, which protects NPPI. For instance, we generally are permitted by law to share Personal Information including NPPI about you with nonaffiliated third parties for our everyday purposes (e.g., to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus) and as necessary to effect, administer, or enforce a transaction that you request or authorize.  We may, for example, provide Personal Information including NPPI about you to nonaffiliated third parties to perform services in connection with financial products or services that you request or authorize.
 
We also may share your Personal Information including NPPI, as permitted by law, for such limited purposes as protecting the confidentiality or security of records in connection with your loan or other financial product or service, protecting against or preventing fraud or unauthorized transactions, resolving consumer disputes or inquiries, reporting to consumer reporting agencies about your transactions with us, responding to judicial process or otherwise complying with properly authorized investigations, subpoenas, or summons by federal, state, or local authorities, and complying with other applicable legal requirements.
 
And, if you submit an application for employment with us, we may disclose or provide access to the Personal Information that you provide to employees, our Affiliates or Third Party Service Providers involved in the recruiting, hiring and on-boarding of our applicants.
 
We may also use Personal Information to communicate with you, prepare and perform our contracts with you, or provide you with information and updates about our ongoing relationship. We may also use Personal Information to provide you with updates about our products and services.  If you reside in the European Economic Area, the UK, or Switzerland, we will not use your Personal Information to offer or measure targeted advertisements and services without your consent. Even if you give us your consent to process your Personal Information in this manner, you always will be able to withdraw your consent at any time.

In order to accomplish these purposes, we may share your Personal Information with our Affiliates and certain of our Third Party  Service Providers, such as our financial processing service providers, and our analytics providers.  In all cases where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.
 
Sharing of Your Credit Information with Our Affiliates
 
Personal credit information is information that bears on your creditworthiness, personal characteristics and mode of living and is not information about our own transactions and experiences with you (such as your account balances and payment history with us). Personal credit information may include information provided by you on your loan application concerning your accounts with others and information contained in your consumer credit report such as your credit score.
 
DHITIC does not share your personal credit information with our Affiliates.
 
Our Confidentiality Practices
We protect all of your Personal Information including your NPPI in accordance with applicable law. We restrict access to all Personal Information about you to our employees or Third Party Service Providers who need to know that information to provide products or services to you or process and service your account, or administer our business. We require our employees to treat the NPPI of our customers and former customers as strictly confidential.
 
Your Privacy Choices
You may exercise certain controls regarding our use and sharing of your Personal Information. Please visit Your Privacy Choices to inform us of your choices.
 
Our U.S. Consumer Privacy Notice
Our U.S. Consumer Privacy Notice has been posted on this Website for the convenience of those doing business with us. We will provide a copy of our current U.S. Consumer Privacy Notice electronically, if you have agreed to do business electronically, or by mail or in person in accordance with the requirements of Title V of the Gramm-Leach-Bliley Act, Pub. L. No. 106-102, 113 Stat. 1338, 1436-45 (1999).
 
Third Party Collection of Personal Information about Your Online Activities Over Time and Across Different Websites
We do not engage service providers to collect Personal Information about your online activities over time and across different websites. However, other websites that you may have visited before visiting our Sites may have permitted their service providers to embed automated technologies such as third party Cookies to track your activities on our Sites and other websites that you may visit after leaving our Sites. You should always review the privacy policies of the websites you visit to understand how Personal Information about your online activities over time and across different websites is being collected.
 
Do Not Track Signals
Some web browsers may give you the ability to enable "Do Not Track” functionality. "Do Not Track” is a browser setting that requests web applications eliminate their tracking of you. When you choose to turn on your "Do Not Track” setting, your browser sends a signal to third-party ad servers, digital advertising networks, data aggregators and others to stop tracking you. This is different than disabling Cookies on your browser. Browsers with the "Do Not Track” functionality enabled continue to have the capability to accept Cookies. There is currently no agreement or consensus on how companies should interpret a "Do Not Track” signal. Consequently, we do not honor "Do Not Track” signals Instead, we allow you to exercise control over the collection and use of your information as described in this Privacy Policy.  For more information about “Do Not Track,” please visit www.allaboutdnt.org.
 
Text Messages
We and our Third-Party Service Providers may offer you the ability to receive SMS text messages, including those sent using automated means.  When you provide us your phone number, you represent you are the subscriber and regular user of the phone number provided and agree to promptly inform us of any changes. We send text messages with your consent, and they are not a condition of any purchase.  Your mobile carrier’s message and data rates may apply.  You may choose to stop receiving text messages from us by replying STOP.

Sharing of Your Personal Information with Third Parties for their Direct Marketing.
DHITIC does not disclose your Personal Information to non-affiliated third parties for such third parties' direct marketing purposes.  DHITIC does not share your Personal Information with our Affiliates for their direct marketing purposes.  In all cases where we have collected NPPI, our use, sharing and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.
 
Your Privacy Rights
Depending on where you live, you may have some or all of the rights described below, and regardless of where you live you may visit Your Privacy Choices to learn more about your rights and how they may be exercised.
 
Your European Privacy Rights: If you are a resident of the European Economic Area, the UK, or Switzerland, you may have the right to access, correct, or delete the Personal Information we collect in specific circumstances.  You may also be entitled to object to or restrict, at any time, the further processing of your Personal Information.  For certain data, you may have the right to receive your Personal Information in a structured and standard format.  To exercise these rights, please visit Your Privacy Choices, contact us at D.R. Horton, Inc., Attn: Privacy, 1341 Horton Circle, Arlington, TX 76011, email us at PrivacyManager@drhorton.com or contact us by phone at 888-559-2763. You may lodge a complaint with the competent data protection authority regarding the processing of your Personal Information.
 
To protect the privacy and the security of your Personal Information, we may request information from you to enable us to confirm your identity and right to access , corrector delete the Personal Information we maintain about you.  There are instances where applicable laws or regulatory requirements allow or require us to refuse to provide, correct, or delete some or all of the Personal Information we maintain.
 
Your California Privacy Rights: California residents have rights related to the handling of their Personal Information under applicable state law.  DHITIC does not “sell” your Personal Information, nor does it share your information with non-Affiliate third parties.  But, in all cases where we have collected NPPI, our use and protection of such NPPI is in accordance with our U.S. Consumer Privacy Notice and your privacy choices as well as applicable law.

DHITIC extends to California residents certain rights related to their Personal Information, including the rights to ask that we Delete your Personal Information, Correct your Personal Information, or the right to request Access to the categories or specific pieces of Personal Information we have collected about you. California residents also have the right to not be treated differently by DHITIC in response to your decision to exercise any of these rights. Because we use sensitive personal information only to comply with certain legal obligations, complete transactions you have requested, or for employment purposes, we do not extend California residents the right to request that we limit processing of sensitive personal information.

To learn more about these rights, and to exercise those that apply to you, please visit Your Privacy Choices, contact DHITIC at D.R. Horton, Inc., Attn: Privacy, 1341 Horton Circle, Arlington, TX 76011, email us at PrivacyManager@drhorton.com or contact us by phone at 888-559-2763.  As part of your request, we may request information from you to enable us to confirm your identity and right to access , correct, or delete the Personal Information we maintain about you.  We will use this information only to contact you about your request and to authenticate your request.  You may also designate an authorized agent to submit a request on your behalf.  
 
Process for Review and to Request Corrections to Personal Information
If you have any reason to believe that the information we hold with respect to you is inaccurate, outdated, or incomplete, please contact us by telephone at 844-312-1523 or in writing at DHITIC, Attn: Compliance Department, 10700 Pecan Park Blvd., Suite 125, Austin, TX 78750, or click here, so that your information may be corrected or updated as soon as possible. Alternatively, please call or write to us at the telephone numbers or appropriate addresses for changes listed on your statements.
 
Changes to This Privacy Policy
DHITIC reserves the right to change this Privacy Policy, from time to time and as required by applicable law. Any non-material changes will take effect immediately upon posting of an updated Privacy Policy. There may, however, be cases where changes to this Privacy Policy may be more significant. In such cases, we will provide prominent notice of such changes before they take effect. We encourage you to retain a copy of this Privacy Policy and periodically to check this Website for updates. Your use of our Website after changes have become effective indicates your acceptance of the latest version of this Privacy Policy.
 
Changes to Our U.S. Consumer Privacy Notice
We may make changes to our U.S. Consumer Privacy Notice in the future. However, where we make changes that require notice to you under applicable law, we will not make any changes without first sending you a revised U.S. Consumer Privacy Notice describing the change and informing you of your rights under applicable law.
 
Links to Other Websites
We may provide links, through advertisements or otherwise, to third-party websites, including various social media platforms. Those sites may have their own privacy policies. We are not responsible for their content or privacy policies. The inclusion of a link on any of our Sites does not imply endorsement of the linked website by us or any of our Affiliates. Please visit those sites to review their privacy policies.
 
Children
Our Sites contain general information not directed towards children. We do not knowingly collect information from children under the age of 13, or the equivalent minimum age depending on the jurisdiction. In this regard, our Sites are general audience sites not designed nor intended to collect Personal Information from children under the age of 13.  We do not sell the information of children under the age of 16 without affirmative authorization by the child’s parent or legal guardian.
 
D.R. Horton, DHI Mortgage, DHI Title, and D.R. Horton Insurance Agency
This Privacy Policy is presented by DHITIC. Please visit www.drhorton.com to view the online privacy policy of our builder Affiliate, D.R. Horton, Inc., and other builder affiliates. Please visit www.dhimortgage.com to view the online privacy policy of our mortgage company Affiliate, DHI Mortgage, www.dhititle.com to view the online privacy policy of our title agency company Affiliates doing business as DHI Title, and www.drhortoninsurance.com to view the online privacy policy of our insurance company Affiliate, D.R. Horton Insurance Agency, Inc.
 
Use of Our Site in Other Countries
This Website and our other Sites may not be available or appropriate for use in other countries. If you choose to access this Website or our other Sites from another country, you do so at your own risk with the understanding that information may be collected from you and stored as a result of your access to this Website and our other Sites while in another country whose privacy laws may be different from, and less protective than, those of this country.
 
Security
DHITIC has implemented safeguards as required by law to protect your Personal Information. We maintain physical, electronic, and procedural safeguards that comply with applicable law to guard this Personal Information. And, all Personal Information we collect from our Website is encrypted and stored on secure servers. If you believe the security of any information or data you have provided to us has been compromised, please immediately notify us of the problem by contacting us in accordance with the “Contacting DHITIC” section below.
 
Storage of Personal Information
As required by law, we will process your Personal Information for the above mentioned purposes, and will not further process the data in a way that is incompatible with these purposes.  We will keep your Personal Information for as long as it is necessary for us to comply with our legal obligations, to ensure that we provide appropriate services, and to support our business activities.

Contacting DHITIC
If you have any question about this Privacy Policy, please write us or call us as follows:
 
DHITIC
Attn: Compliance Dept.
10700 Pecan Park Blvd. Suite 125
Austin, TX 78750
866-442-1383

 

Definitions
Account – Your personal online accounts on our Sites.
 
Affiliates – Our Affiliates include, among others, D.R. Horton, Inc.; DHI Title, and our other title company affiliates; our mortgage company affiliate, DHI Mortgage Company, Ltd; our insurance company, D.R. Horton Insurance Agency, Inc.; Forestar Group, Inc. and other affiliated entities.
 
Aggregate Information – Aggregate Information is information gathered from many individuals and is combined. Aggregate Information does not identify and cannot be used to reasonably determine the identity of, an individual customer. Aggregate Information is about groups or categories of customers rather than individual visitors.
 
Anonymous Information – Anonymous Information does not include Personal Information, or from which Personal Information has been deleted. Anonymous Information does not identify, and cannot be used to reasonably determine, the identity of an individual customer.
 
Automated Information – We and our Third-Party Service Providers have automated means of collecting certain information from you when you visit our Sites, or otherwise interact with us online. In many cases, the information collected using these automated technologies does not identify you personally, but instead is linked to an anonymous numerical identifier. Except as otherwise required by applicable law, where this information is associated with you, or could reasonably be associated with you, we treat information collected through automated means as "Personal Information" as defined elsewhere in this Privacy Policy.
 
Cookies – Cookies are small pieces of text used to store information on web browsers.  Cookies are widely used across the Internet, including by us, to store and receive identifiers and other information on computers, phones, and other devices.
 
European Economic Area – The European Economic Area consists of the Member States of the European Union as well as Liechtenstein, Iceland, and Norway.
 
Identifiers – Identifiers are information directly linked to a particular individual.  For example, Identifiers are your name, address, email address, or phone number. Identifiers also include more sensitive information gathered from you, including your social security number or driver’s license number.
 
IP Address – An IP Address is a unique string of characters identifying each computer using the Internet Protocol to communicate over a network.
 
Mobile Applications – Our Mobile Applications are our mobile sites, applications, and mobile interactive features.
 
Personal Information – Personal Information is information that identifies, relates to, describes or is reasonably capable of being associated with you.  Personal Information includes Identifiers such as your name, signature, social security number, physical characteristics or description, user name, physical address, IP Address, phone number, driver’s license or state identification card number, email address, payment card information or other financial information, profile pictures or social media account ID.

Sites – Our Sites include this Website, our mobile sites, applications, and mobile interactive features (our "Mobile Applications"), and our social media pages such as those on Facebook, Twitter, LinkedIn, and Instagram (our “Social Media Pages”).

Social Media Pages – Our Social Media Pages include our pages on social media platforms such as Facebook, Twitter, LinkedIn, and Instagram.
 
Third-Party Service Providers – Our Third-Party Service Providers include companies that provide services to us or on our behalf, including website hosting services, investor relation firms, payment processors, financial institutions, and others.

Effective Date
This Privacy Policy is effective on the date set forth at the top of this Privacy Policy.