Cigna Funding Privacy Policy

Effective Date: May 30, 2025

Cigna Funding LLC Privacy Policy (“Privacy Policy”) describes how the Cigna Funding process information collected on our website and applications (including mobile) or through your online interactions with us (collectively, our "Services").

In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you. Some states may provide additional privacy rights

By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described.

Who We Are

When we say "Cigna Funding LLC," we mean Cigna Funding LLC, and its affiliates.

Information We Collect

Information You Provide

We collect the information you provide to us. For example, we collect information from you when you create a Rocket account, fill out a form or otherwise submit content through our Services, are referred to us via one of our third-party professional partner relationships, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, use the chat function on our Services, or otherwise communicate with us.

The specific information we collect depends on the context in which you provide it, and could include:

• Name
• Email      address
• Postal      address
• Phone      number
• Social      security number
• Location      and approximate value of your property
• Age      and/or date of birth
• Demographic      information, such as race, ethnicity and gender gathered pursuant to      federal requirements
• Related      loan products or services you have used in the past
• Financial      information, such as income, assets and net worth
• Home      ownership status and employment status
• Insurance      information
• Other      profile data, including your interests and preferences
• Any      other information you provide

Information We Automatically Collect

We automatically collect certain information about your interactions with us or our Services, including:

• Transactional      Information: When you make a purchase or complete a transaction, we      collect information about the transaction, such as product or service      details, financial details and the date and location of the transaction.
• Device      and Usage Information: We collect information about how you access our      Services, including data about the device and network you use, such as      hardware model, operating system version, mobile network, IP address,      unique device identifiers and device regional and language settings,      browser type, and app version. We also collect information about your      activity on our Services, such as access times, pages viewed, links      clicked, products and services considered, and the page you visited before      navigating to our Services.
• Your      Content: As you allow through your device or application, we may collect      information and content stored on your device, such as photos.
• Location      Information: In accordance with your device permissions, we may collect      information about the precise location of your device. You may stop the      collection of precise location information at any time.
• Information      Collected by Cookies and Similar Tracking Technologies: We (and those who      perform work for us) use tracking technologies, such as cookies and web      beacons, to collect information about your interactions with the Services.
  • Cookies are       small data files stored on your hard drive or in device memory that help       us improve our Services and your experience, see which areas and features       of our Services are popular and which emails and advertisements you view,       authenticate users, reconstruct or observe activity relating to a session       or by a user for troubleshooting, issue resolution, and other purposes,       personalize advertisements and conduct analytics, and count visits to our       websites.
  • Web       beacons (also known as "pixel tags" or "clear       GIFs") are electronic images that we use on our Services and in our       emails to help deliver cookies, count visits, and understand usage and       campaign effectiveness. In our mobile apps, we may also use technologies       that are not browser-based like cookies.
  • For       example, our apps may include software development kits (known       as SDKs) which are code that sends information about your use to a       server. These SDKs allow us to track our conversions, bring you       advertising both on and off the Service, and provide you with additional       functionality. 

Information We Collect From Other Sources

We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your Rocket account with third-party services through service providers (such as Plaid), which allows you to more easily complete your transaction with us by importing certain information, such as bank account information, directly to us rather than you having to upload it manually.

The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.

Additionally, if you create or log into your Rocket account through a third-party platform, such as Facebook or Google, we'll have access to certain information from that platform, such as your name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.

Information We Derive

We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases. We may incorporate products and services that use artificial intelligence, including large language models and machine learning, to derive this information and draw these inferences.

Plaid Technologies

Rocket enables you to use Plaid Technologies, Inc. to gather data from financial institutions. By using the Services, you acknowledge and agree that your information will be processed in accordance with the Plaid Privacy Policy and you grant Rocket and Plaid the same rights, power and authority as specified therein.

How We Use Your Information

We use the information we collect to provide our Services to you.

Other Reasons to Collect Information

We also use the information we collect to:

• Fulfill      or deliver the services you requested
• Provide,      maintain, improve and develop new products, services and features,      including debugging and repairing errors in our Services
• Personalize      your experience with us
• Send      you technical notices, security alerts, support messages and other      transactional or relationship messages, including responding to your      inquiries and comments
• Communicate      with you about products, services, and events offered by Cigna Funding and      others and provide news and information that we think will interest you. 
• Monitor      and analyze trends, usage, and activities in connection with our products      and services
• Personalize      the advertisements you see on third-party platforms and websites. For more      information, see the Advertising and Analytics section below
• Show      you offers for third-party services personalized to you, based on      information we have collected about you
• Facilitate      contests, sweepstakes and promotions, and process and deliver entries and      rewards
• Detect,      investigate, and help prevent security incidents and other malicious,      deceptive, fraudulent, or illegal activity, and help protect the rights      and property of Cigna Funding LLC and others
• Comply      with our legal and financial obligations
• Create      de-identified, anonymized or aggregated information
• Fulfill      any other purpose at your direction

How We Share Your Information

We share personal information in the following circumstances or as otherwise described in this policy.

Cigna Funding uses and shares your information with each other in accordance with this Cigna Funding Privacy Policy. This allows us to manage and provide and offer you a variety of their services through a broad life cycle of your personal and financial needs.

Sharing With Affiliates

Cigna Funding also shares your information with our Affiliates. For example, we share, or may share, your information:

• With      Affiliates that act as vendors, service providers and consultants that      access personal information to perform services for us, such as companies      that assist us with marketing services
• With      Affiliates for their own services and marketing purposes
• With      Affiliates for regulatory reporting purposes and capturing performance      metrics
• With      Affiliates if we believe (1) that your actions are inconsistent with our      user agreements or policies, (2) that you have violated the law, or (3)      it's necessary to protect the rights, property and safety of Rocket, our      users, the public or others
• In      connection with, or during negotiations concerning, any merger, sale of      company assets, financing or acquisition of all or a portion of our      business by another company
• With      Affiliates with your consent or at your direction

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

Sharing With Other Third Parties

Rocket shares your information with non-affiliated third parties in the following circumstances:

• We      share personal information with vendors, service providers and consultants      that access personal information to perform services for us, such as      companies that assist us with web hosting, shipping and delivery, payment      processing, fraud prevention, customer service, data analytics, property      title and appraisal services, technical support, marketing and      advertising.
• If      you submit a product review or post content in another public area of our      Services, we share this information publicly on our Services.
• If      you choose to use integrations we offer on our Services, such as sharing      your location through our Google Maps integration, we may share certain      information with the integration partners.
• We      share personal information with third parties for their own services and      marketing purposes, analytics, and in some cases to jointly market and      provide products and services with third parties.
• When      you request information about services offered by other companies, we may      disclose information about you to those companies so that we or they can      notify you of, and determine if you qualify for, products or services.
• We      may disclose personal information if we believe that disclosure is in      accordance with, or required by, any applicable law or legal process,      including lawful requests by public authorities to meet national security      or law enforcement requirements.
• We      may share personal information if we believe (1) that your actions are      inconsistent with our user agreements or policies, (2) that you have      violated the law, or (3) it's necessary to protect the rights, property      and safety of Rocket, our users, the public, or others
• We      share personal information with our lawyers and other professional      advisors where necessary to obtain advice or otherwise protect and manage      our business interests.
• We      may share personal information in connection with, or during negotiations      concerning, any merger, sale of company assets, financing or acquisition      of all or a portion of our business by another company.
• We      share personal information with your consent or at your direction,      including but not limited to third-party integrations you choose to      enable. This includes sharing personal information with third-party      professionals that you identify, including your real estate agent,      financial consultant, legal representative, or other professional.
• We      also share aggregated or de-identified information that cannot reasonably      be used to identify you.
• If      you have opted-in or consented to receive text messages, your consent to      such messages will not be shared with any third parties.

Advertising and Analytics

Cookie Management

As noted above, we use cookies to ensure that the Services function and to optimize user experience. You may choose to turn off advertising cookies and can update your preferences at any time. Disabling cookies may affect your experience on our Services. You can manage advertising cookies by visiting our Do Not Sell My Personal Information webpage. You can also manage cookies directly at your browser level.

Web and Mobile Apps

We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.

This information may be used by Rocket and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.

For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Interest-Based Ads" or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the “Additional Information Regarding Your State Privacy Rights” section below.

Third Party Platforms

We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Facebook). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.

Children's Privacy

Rocket products are not intended for children. We don't direct our Services to children under 16 or knowingly attempt to solicit or receive information from children.

Processing Of Information in The United States and Other Countries

Rocket is headquartered in the United States, and the Cigna Funding LLC offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.

Your Choices

Communication Choices

You may opt-out of promotional emails by following the unsubscribe link in email messages, or by updating your preferences with us. You also may have the right to opt-out of certain phone calls and text messages. The opt-out processes for phone calls and text messages are handled differently. 

Our telephone calls are recorded, both by us and third-party service providers, for quality assurance purposes, as well as for fraud detection, troubleshooting, and complaint resolution. If you do not wish to have phone calls recorded, you must choose an alternative communication method, such as email.

Our website and mobile application chats might be powered by AI and recorded for quality assurance by us and third parties. If you do not wish to have those chats recorded, you must close the chat function and choose an alternative communication method.

Right to Correct Account Information

You may update and correct certain account information, or delete your account, by logging into your account or calling us at (844) 224-4621. Please note that we may retain certain information as required by law or for our legitimate business purposes.

Location Information

When you first launch any of our mobile apps that collect precise location information, or when you visit portions of our Services that collect precise location information, you'll be asked to consent to the collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. It is important to note that some Services may not function without precise location information. You may also stop a mobile app's collection of location information by following the standard uninstall process to remove the app from your device.

Do Not Track Signals

You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Our websites are configured to recognize those browser signals. If we recognize one of these signals – which may be referred to or are labeled by your browser as “do not track” or “opt-out preference” or “global preference” signals – we give you the option of submitting a request to opt-out of sale/sharing. For more information on opting out of the sale/sharing of personal information, please see Additional Information Regarding Your State Privacy Rights, below.

Security

We use reasonable measures to protect the confidentiality and security of the personal information that you provide to us or that we otherwise collect and process.

Changes To This Policy

We may change this Cigna Funding Privacy Policy from time to time. If we make changes, we'll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.

Contact Information

If you have questions regarding this Cigna Funding Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at (844) 224-4621.

Notice of Information Collected

In the preceding 12 months, we have collected the following categories of personal information:

Categories

Examples

Identifiers

Name,   alias, postal address, online identifier (including IP address), email   address, Social Security number, driver's license number, or other similar   identifiers.

Client   Records

Employer   name, employment history, bank account number, credit card number, debit card   number, and other financial information (including credit report, salary, and   net worth).

Protected   Classification Characteristics Under State Or Federal Law

Age,   race, ethnicity, gender, military status and marital status.

Commercial   Information

Records   of property, products or services purchased.

Internet   Or Other Network Activity

Browsing   history, search history, information on a consumer's interaction with a   website, application, or advertisement.

Geolocation   Data

Physical   location or movements.

Sensory   Data

Audio   (such as call recordings) or the contents of videos you choose to upload.

Professional   Or Employment-Related Information

Current   employer or employment status.

Inferences   Drawn From Other Personal Information

Preferences,   characteristics and approximate location.

Sensitive   Personal Information

Social   Security Number, driver’s license, state identification card, or passport   number; account log-In, financial account, debit card, or credit card number   in combination with any required security or access code, password, or   credentials allowing access to an account; precise geolocation; racial or   ethnic origin, religious or philosophical beliefs, or union membership; the   contents of a consumer’s mail, email and text messages, unless the business   is the intended recipient of the communication.

Right to Opt-Out of Selling

We do not knowingly sell or share personal information about consumers under the age of 16.

Right to Opt-Out of Personal Information Being Shared or Used in Targeted Advertising

State privacy laws require that we notify you if we “Share” your personal information with third parties. “Sharing” means we make available or otherwise disclose your information to third parties for cross-context behavioral advertising. Further, “cross-context behavioral advertising” means targeting of advertising to you based on your personal information obtained from your activity across businesses, websites, apps, and services other than our Services.

Similarly, privacy laws in other states require we notify you if we use your information for Targeted Advertising. Targeted Advertising means displaying advertisements to you where the advertisement is selected based on personal information obtained from your activities over time and across nonaffiliated websites or online applications to predict your preferences or interests.

Accordingly, we "Share" your personal information with third parties for purposes of cross-contextual advertising, and we use your information for Targeted Advertising. Specifically, we share your identifiers and internet or other network activity with our advertising partners.

Retention of Personal Information

We will not retain your personal information for longer than is reasonably necessary to carry out the purposes we disclose in this policy.

State Consumer Data Rights

Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, and to access your information, (2) request deletion of your personal information, (3) request correction of your personal information and (4) not be discriminated against for exercising these rights.

You may make these requests by calling (844) 224-4621. You will need to provide your contact information to make a request. You will then be asked to confirm your identity through a series of verification questions.

If we receive your request from an authorized agent, we may ask for evidence that you've provided such agent with the power of attorney, or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf. If you're an authorized agent seeking to make a request, please contact us as set out above.

Federal Privacy Notice