This policy explains how OTTO Homes, Inc. dba Milo ("Milo," "we") collects, uses, and shares personal information through mymilo.ai, the Milo platform, and the home value reports, home search sites, and related communications we deliver on behalf of mortgage lenders and other clients (together, the "Services").
1. Who we are to you
If you are a homeowner or borrower who receives a Milo-powered report or uses a Milo-powered site, we operate the Services as a service provider for the lender or company whose brand appears on it (your "Lender"). Your Lender decides what information is provided to us and how it is used. Questions about your relationship with your Lender, or requests to access or delete the information it holds about you, should go to your Lender. You can stop Milo-powered emails at any time using the unsubscribe link in any message, and you can contact us directly at privacy@mymilo.ai.
If you are a lender, loan officer, or other business user, we collect information about you to provide and bill the Services, and this policy applies to that information alongside our Lender Terms or your agreement with us.
If you are visiting mymilo.ai, we collect the website information described below.
2. Information we collect
- Information from Lenders about their clients: name, property address, email address, phone number, and loan details such as closing date, loan amount, and estimated balance, provided so we can deliver reports and alerts on the Lender's behalf.
- Information from third-party data providers: property characteristics, automated home value estimates, listing data, and public-record data about the property. Where a Lender enrolls in optional monitoring products, this may include signals that a client may be in the market, such as a property listing, an online home-shopping signal, a life event, a hard credit inquiry, or a debt balance. We obtain these only from providers authorized to supply them and only for Lenders that have confirmed they have the required legal basis to receive them.
- Information you give us directly: what you enter on a Milo-powered site, such as saved homes, search preferences, loan information you update, or a request to be contacted; and, for business users, your account, contact, and billing details.
- Automatically collected information: device and browser type, IP address, pages viewed, links clicked, email opens, and similar usage data, collected through cookies, pixels, and similar technologies on mymilo.ai and on Milo-powered sites and emails.
3. How we use information
- To deliver the Services: generating and sending reports, running home search sites, and alerting a Lender's loan officers to engagement and in-market activity.
- To send communications on a Lender's behalf, including AI-assisted follow-up messages configured by the Lender.
- To operate, secure, support, and improve the Services, including analytics and product development using aggregated or de-identified data.
- To bill and communicate with business users and to market Milo to lenders and other businesses.
- To comply with law and enforce our agreements.
We do not sell personal information. We do not use information a Lender provides about its clients to market mortgage products for anyone other than that Lender, and we do not share one Lender's client information with another Lender. Information about homeowners is not used to make decisions about credit, insurance, employment, or housing eligibility.
4. How we share information
- With your Lender, which receives reports on how its clients engage with the Services, including the activity and alerts described above.
- With a Lender's authorized partner (a reseller through which the Lender buys the Services), limited to account, usage, and billing information unless the Lender authorizes more.
- With service providers that host, send, analyze, or supply data for the Services, under contracts that limit their use of the information to providing services to us.
- In a business transfer, such as a merger or acquisition, subject to this policy.
- When required by law or to protect the rights, safety, or property of Milo, our clients, or others.
- In aggregated or de-identified form that does not identify any person.
5. Cookies and tracking
We use cookies and similar technologies for site functionality, analytics (including Google Tag Manager and Google Analytics), and measuring email engagement. You can control cookies through your browser settings. We do not respond to browser "Do Not Track" signals, but we honor Global Privacy Control signals where state law requires it.
6. Security and retention
We maintain a written information security program with administrative, technical, and physical safeguards appropriate to the sensitivity of the information we process, consistent with the FTC Safeguards Rule and the Gramm-Leach-Bliley Act where applicable. We keep information for as long as needed to provide the Services to the relevant Lender, meet legal obligations, resolve disputes, and enforce agreements, and then delete or de-identify it. When a Lender stops using the Services, its client information is returned or deleted at its request, except for routine backups and records we must keep by law.
7. Your choices and rights
- Email: use the unsubscribe link in any Milo-powered email, or contact us. Opt-outs are applied across all Lenders that have enrolled the same email address.
- Text messages: reply STOP to any message.
- Access, correction, and deletion: because we process homeowner information on behalf of Lenders, we will forward your request to your Lender or act on it as the Lender directs, and we will delete information held in your own Milo-powered account on request. Business users can contact us directly.
- State privacy rights: depending on where you live, you may have rights to know, correct, delete, or limit the use of your personal information and to appeal a decision. Submit requests to privacy@mymilo.ai. We will not discriminate against you for exercising them. Much of the information we process for Lenders is covered by the Gramm-Leach-Bliley Act, which some state privacy laws exempt.
8. Children
The Services are not directed to anyone under 18, and we do not knowingly collect information from children. If you believe a child has provided us information, contact us and we will delete it.
9. Changes and contact
We may update this policy by posting a new version here with a new date, and we will notify Lenders of material changes. Questions or requests: privacy@mymilo.ai, or OTTO Homes, Inc. dba Milo, 185 Plains Rd., Suite 100E, Milford, CT 06461.