SITE TERMS AND COOKIE POLICY
By using the services provided by Morningstar Escrow LLC (“Company,” “Us,” “Our,” or “We”) Our website https://morningstarescrow.com (“Site”) or any services provided in connection therewith (“Services”) You (“You”) agree to abide by these Site Terms (“Terms”). These Terms may be Amended from time to time at Our sole discretion. These Terms are also provided in conjunction with Company’s Privacy Policy, and all other operating rules, policies, procedures, or requirements that may be published on the Site by Company from time to time, which are incorporated herein by reference.
- BINDING EFFECT. This is a binding agreement. These Terms apply to every user or visitor of the Site. Company will post a notice on the Site any time these Terms have been changed or otherwise updated. It is Your responsibility to review these Terms periodically, and if at any time You find these Terms unacceptable, You must immediately leave the Site and cease all use of the Service and the Site. YOU AGREE THAT BY USING THE SERVICE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT, OR ARE AT LEAST 13 YEARS OLD AND ARE USING AND ACCESSING THIS SITE WITH THE CONSENT OF YOUR PARENTS AND/OR LEGAL GUARDIANS. We reserve the right to refuse use of the Site to anyone and to reject, cancel, interrupt, remove or suspend the availability of the Site at any time for any reason without liability.
- COOKIE Policy.
Under the California Consumer Privacy Act (CCPA), California residents have the right to tell us not to sell or share their personal information. Company does not sell your personal information as the term is commonly understood. But we do allow some advertising vendors to use your personal information for internet-based marketing that may be considered “selling” or “sharing” under the CCPA.
You may opt out of the “sale” and “sharing” of your personal information as defined in California using the option below. We also offer the option to opt out of “sales” and “sharing” to users in locations with rights to opt out of those activities as defined in their states. This opt out is specific to this browser on this device, so you will need to opt out again if you: 1) later clear your cookies, or 2) visit this site from a different browser or device.
This Cookie Policy explains how Company collects and processes information about you or your device on Company’s websites (the “Company Sites”) through our use of cookies.
What are cookies?
Cookies are small text files that can be stored on and accessed from your device when you visit a website. They may include a unique identifier that distinguishes your computer or mobile device from other devices. In addition to cookies, we may use other technologies to track your use of the Company Sites, such as pixel tags and web beacons. Web beacons are electronic images that are contained within a website. When your browser opens a webpage that contains a web beacon, it automatically connects to the web server that hosts the image (typically hosted by a third-party). This allows that web server to log information about your device and to set and read its own cookies. We also include web beacons in our promotional email messages or newsletters to tell us if you open and act on them.
We use the term “cookies” to refer generally to all of these technologies that may collect information automatically when you visit the Company Sites. Cookies are common, and serve many purposes, such as letting you navigate between webpages efficiently, remembering your preferences, and generally improving your user experience.
Cookies can be “persistent cookies” that remain on your hard drive until they expire or are deleted, or “session cookies” that are deleted from your hard drive when you close your browser. Cookies can also be “first-party cookies” which are set by us, or “third-party cookies” which are set by others.
We use cookies, web beacons, mobile analytics and advertising IDs, and similar technologies to operate the Company Sites and related online services and to help collect data, including other identifiers and device information and usage data.
For further information on cookies, including how to see what cookies have been set on your device and how to manage or delete them, visit www.allaboutcookies.org.
What kind of cookies are served through the Company Sites?
We may use categories of cookies on the Company Sites: Strictly Necessary Cookies, Functionality Cookies, Targeting Cookies, Performance/Analytics Cookies, and Advertising Cookies:
Strictly Necessary cookies
Strictly Necessary cookies enable you to navigate the Company Sites and use its features, such as accessing secure areas of the Company Sites. Strictly Necessary cookies don’t gather information about you that could be used for marketing or remembering where you have visited on the Internet. This category of cookies cannot be disabled.
Functionality cookies
Functionality cookies enable us to enhance the functionality of the Company Sites, including by identifying you when you sign in or remembering your specified preferences, interests, or past items viewed. We do not share or use information collected by functionality cookies for advertising purposes.
Our third-party partners who allow us to set Functionality cookies on the Company Sites include the following:
| Company name | More Information/Opt-Out |
| https://www.facebook.com/policy/cookies/ https://www.facebook.com/help/568137493302217 |
|
| https://tools.google.com/dlpage/gaoptout/ |
Targeting cookies
These cookies track users’ online activity to help advertisers deliver more relevant advertising or to limit how many times users see an ad. These cookies may be set through our site by our advertising partners. They may be used by those companies to show you relevant advertisements on other sites. If you do not allow these cookies, you will experience less targeted advertising.
Performance/Analytics cookies
Performance/Analytics cookies help us analyze how you use the Company Sites. These cookies allow us to count visits in traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how many visitors move around the site. All information these cookies collect is anonymous. If you do not allow these cookies we will not know when you have visited our site, and we will not be able to monitor its performance. Performance/Analytics cookies collect and store information such as how you interact with the Company Sites, errors you encounter when using the Company Sites, and which pages within the Company Sites you go to most often. We use the information collected by these cookies to improve the Company Sites and your user experience.
Our third-party partners who allow us to set Performance/Analytics cookies on the Company Sites include the following:
| Company name | More Information/Opt-Out |
| https://tools.google.com/dlpage/gaoptout/ |
Advertising cookies
We and our third-party partners use Advertising cookies to collect personal information (such as the cookies stored on your browser, the advertising identifier on your mobile device, or the IP address of your device) when you visit the Company Sites to deliver ads to you on third-party websites and applications, execute referral programs and brand partnerships, and populate job boards. We also may use Advertising cookies to know when you return to the Company Sites after visiting these partners’ websites and applications. Mobile analytics and advertising IDs are generated by operating systems for mobile devices (iOS and Android) and can be accessed and used by apps in much the same way that websites access and use cookies. Our apps contain software that enables our third-party analytics and advertising partners to access these mobile IDs. This information is used to store your preferences and settings, track your interaction with the Company Sites and third-party sites, develop inferences, deliver and tailor interest-based advertising, combat fraud, and fulfill other legitimate purposes. We and our third-party partners also share the information we collect or infer with third parties for these purposes.
Our third-party partners who allow us to set Advertising cookies on the Company Sites include the following:
| Company name | More Information/Opt-Out |
| https://www.facebook.com/policy/cookies/ https://www.facebook.com/help/568137493302217 |
|
| https://adssettings.google.com/ | |
| Microsoft/Bing | https://about.ads.microsoft.com/en-us/resources/policies/personalized-ads |
| Rakuten | https://global.rakuten.com/corp/cookie_policy/ |
| YouTube | https://adssettings.google.com/ |
| https://help.twitter.com/en/rules-and-policies/twitter-cookies |
How can I manage or delete cookies?
The following are examples of how you can manage or delete many of the cookies served through the Company Sites:
- Cookie opt-out links. You may manage or opt-out of certain uses of many cookies served through the Company Sites by using the links provided above.
- Industry opt-out sites. You may also opt-out of some uses of Advertising cookies by visiting:
- Browser settings. Many web browsers accept cookies by default. If you prefer, you can usually change your browser’s settings to reject and/or to remove many cookies. On some browsers, you can choose to let the Company Sites place cookies, but choose to reject cookies from certain third parties (such as analytics companies or advertising companies). As the precise means by which you may do this will vary from browser to browser, please visit your browser’s help or settings menu for more information.
Please note also that if you choose to reject or remove cookies, this may prevent certain features or services of Company Sites from working properly. Since your cookie opt-out preferences are also stored in a cookie in your website browser, please also note that if you delete all cookies, use a different browser, or buy a new computer, you will need to renew your opt-out choices.
E-mail tracking
Company may also use e-mail tracking technologies to monitor the success of e-mail campaigns it operates (for example, recording how many e-mails in a campaign were opened). If you do not want us to track emails we send you, some email services let you change your display to turn off HTML or disable download of images and exercising these rights should effectively disable our email tracking. In addition, you may also unsubscribe from our marketing emails as described in those emails.
Mobile Advertising ID Controls
The iOS and Android operating systems provide options to limit tracking and/or reset device advertising IDs. Please consult the settings on your device to exercise this choice.
Do Not Track
Some Internet browsers include the ability to transmit “Do Not Track” signals. The Company Sites do not currently process or respond to “Do Not Track” signals. To learn more about “Do Not Track”, please visit “All About Do Not Track”.
In addition to “Do Not Track”, there are many ways that web browser signals and similar mechanisms can indicate your tracking choices, and we may not be aware of nor honor every mechanism.
“Do Not Sell My Info”
Certain state privacy acts require us to tell you if we have sold your personal information to third parties in the past 12 months and how to opt-out of future sales. Because they may consider IP address, cookie IDs, and mobile IDs “personal information” and defines “sale” to include simply making data available to third parties, we are providing this notice to give you additional information. We let advertising providers collect IP addresses, cookie IDs, mobile IDs through our sites and apps when you use our online services, and their use of that information when providing us services may constitute a sale of personal data. We do not “sell” any other types of personal information.
You can opt-out from any sharing of your personal information with third parties if that sharing constitutes a “sale” of that data. You can opt out of this type of information sharing by opting out of third-party Advertising cookies as noted above.
Note that although we will not “sell” your personal information after you opt out of Advertising cookies, we will continue to share some personal information with our partners (acting as our service providers) to help us perform advertising-related functions such as measuring the effectiveness of our ads, managing how many times you see an ad, managing and reporting on ad performance, providing aggregate statistics and analytics, and/or reducing ad fraud. Further, updating your cookie preferences will not necessarily opt you out of the use of previously collected personal information by these cookies or stop all interest-based advertising. Please note that your cookie preferences are domain- and browser-specific. This means that if you visit other Company domains, or replace or upgrade your browser, use another browser (or device), clear your browser’s cookies, or set your browser to refuse third-party
Modifications
We may change these Site Terms at any time, and any such changes will be effective when we post the modified version on the Company Sites, unless otherwise required by applicable law.
Contact Information
If you have any questions regarding these Site Terms, please email Company at [email protected]
Accessibility
Company is committed to providing an accessible experience to our customers and the public, regardless of background, nationality, race, ethnicity, gender, gender identity, sexual orientation, disability status, veteran status, or other similarly protected characteristics. This Company Digital Accessibility Statement concerns our commitment to providing access to persons with disabilities. Please also see our Nondiscrimination Statement.
Reasonable Accommodations
Individuals who need a reasonable accommodation to access Company’s services and information should send an email to [email protected] to provide information about the nature of the requested accommodation. Requesters must include contact information such as an email address or telephone number at which they can be reached. Depending on the nature of the request, Company may need sufficient notice to provide a reasonable accommodation.
Online Accessibility
Company strives to provide an accessible digital experience for our users. The Web Content Accessibility Guidelines (WCAG) defines requirements for website providers to improve online accessibility for people with disabilities. Company has voluntarily undertaken efforts to comply with, and in some cases exceed, the WCAG Guidelines 2.1 Level AA, and employs formal accessibility quality assurance methods to ensure accessibility of Company’s digital platform.
Our efforts to improve online accessibility are ongoing. In the event that a user with a disability experiences accessibility issues with our website, please notify us by sending an email to [email protected]. In your communication to us, please specify the nature of the accessibility difficulty, including the web address or mobile application that may have presented an accessibility challenge.
Third-Party Websites and Elements
Company’s website may contain sections or links to webpages that are hosted or controlled/powered by third parties, or engage third party plugins or services. WCAG compliance for these sections will be controlled by these third party providers, not by Company. Company does not make representations with regard to the accessibility of third-party websites and may not be able to remediate accessibility barriers on such websites. However, Company continually works to identify and adopt more accessible alternatives to such sections and sites wherever feasible.
Miscellaneous Terms
- JURISDICTION. By using this Site, and/or registering with the Site, You consent to the personal jurisdiction over You by the State of California and waive all defenses asserting improper service, lack of personal jurisdiction, forum non conveniens, or any similar defense that challenges the personal jurisdiction of the State of California over You.
- CHOICE OF LAW. These Terms shall be construed in accordance with and governed by the laws of the United States and the State of California, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of the State of California in all disputes arising out of or related to the use of the Site.
- SEVERABILITY; WAIVER. If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.
- NO LICENSE. Nothing contained on the Site should be understood as granting You a license to use any of the trademarks, service marks, or logos owned by Company or by any third party.
- JURISDICTIONAL LIMITATIONS. Company makes no representation that any of the materials or the services to which You have been given access are available or appropriate for use in other locations. Your use of or access to the Site should not be construed as Company’s purposefully availing itself of the benefits or privilege of doing business in any state or jurisdiction.
- MODIFICATIONS. Company may, in its sole discretion and without prior notice, (a) revise these Terms of Use; (b) modify the Site; and (c) discontinue the Site at any time. Company shall post any revision to these Terms, and the revision shall be effective immediately on such posting. You agree to review these Terms and other online policies posted on the Site periodically to be aware of any revisions. You agree that, by continuing to use or access the Site following notice of any revision, You shall abide by any such revisions.
- ACKNOWLEDGEMENT. BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND AGREE TO BE BOUND BY THEM.