Privacy and Security


C. K. Mack, LLC (C. K. Mack, Site) strongly believes that consumers deserve the highest levels of respect and protection of their personal information.

This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how any personal and/or personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

C. K. Mack does collect personal information about clients and users visiting the site. We collect most of this information during the registration process with information provided voluntarily by users. We strive to keep some of this information private and share some of the information with our partners. Additional information may be gathered during subsequent use of the site. Some information is required for users to participate in making investments and other information is optional, we will always tell you which is optional.

Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

We will collect the following information from Site users:

  • Investor identification information including by not limited to name, e-mail address, date of birth, social security number, bank account information, debit card information, address, telephone number, and investor accreditation status.
  • Account balances and transaction information
  • Income and employment information

Finally, we also collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We use non-identifying and aggregated information to help optimize our website based on the needs of our users.

We retain this information to satisfy legal requirements such as record keeping and tax and credit reporting requirements, as well as for purposes of fraud prevention, audit and data integrity.

When you join our site we use this information to ensure our compliance with the SEC regulations that allow us to offer our services. We will also use your information to facilitate activities and transactions that need to occur as part of your investment process. Additionally we will use the information to satisfy any legal requirements for record keeping, tax and credit reporting, and other required filings, as well as for purposes of fraud prevention, audit, and data integrity. These activities include, but are not limited to:

  • Generating investment profiles on the site
  • Providing investments to our users
  • Enabling our financial service partners to issue and implement payments and fund transfers
  • Contacting users if there is a problem with services, transactions, transfers or other account and or user functions
  • Implementing collection activities as needed
  • Maintaining communication with users concerning their accounts, C. K. Mack, its affiliates, and activates regarding your investments
  • Accountant or banker verification letters

During your registration process we will request your permission to perform these functions in order to successfully facilitate our services upon your request.

Referral Activities

Users may choose to refer friends to the site or directly to their investment listings via email. You may be able import contacts from your Outlook or other email account address books to invite them to become members of our site. We collect the username and password for the email account you wish to import your contacts from and will only use it for that purpose.

If this referral occurs independently of our Site or a partner's site, we do not track the referral other than as a unique page view. Since we do not collect any information from the referring party or the recipient of the external email referencing our site, we do not capture or store any information about either party. If friends refer each other to our Site or to their investment listings via a partner's site, we will store and track information about the referring and receiving parties only long enough to determine the effectiveness of our marketing activities which contributed to the referral.

Our users can also refer friends to the site by completing a simple form to generate an email invitation. In this case, the email invitations do not track back to any particular investment listing, and the sender will not know whether you are an investor or simply a member. The information collected in this process is only kept long enough to monitor whether the referral program is achieving the desired results in terms of attracting new visitors to the site and converting them into members. Again, these are messages initiated by friends of the recipients, and the recipients will not be added to any mailing list or contacted by C. K. Mack apart from this referral process, which may include invitation reminders. In the case where a bonus is offered to a member in return for the referral, C. K. Mack will only retain the information about the referred parties to properly credit the account of the member initiating the referral. The information is not used for any other purpose.

When you register on our Site you will receive emails that confirm specific actions you requested. These notifications are typically sent to notify you of a change in status, or for legal or security purposes. For example, you will receive notifications confirming your registration, the successful verification of email addresses and bank accounts, and the successful submission of investment requests and investment orders; you will receive notifications regarding certain changes to legal agreements and required investment and privacy disclosures; and you will receive progress updates on the status of investment requests and investment orders. These are transactional notifications that you cannot opt out of receiving. We may also send you responses to emails you send us, if appropriate or applicable.

From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations, newsletters, event notifications or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback, receipt of these newsletters or notifications, or acceptance of any offer is strictly voluntary. If you do not wish to receive these surveys or user feedback emails, newsletters, notifications or marketing offers, please log in to your account and edit your privacy settings.

How and When Your Information Is Shared With Other Parties

Information is shared with other parties in the following ways:

  • Personal but not personally identifiable information about properties and partners are supplied in listings that can be viewed by all users; this information is also filed with the Securities and Exchange Commission and as such is made publicly available.
  • Financial and credit information about property partners, joint ventures, and syndications are displayed to qualified investors on investment listing pages; is filed with the Securities and Exchange Commission and as such is made publicly available; and is contained anonymously in investment data files.
  • Information is shared directly between users and/or potential users. Information shared directly by users and/or potential users might contain personally identifiable information.
  • Required and optional information about investors may be masked and displayed on public profiles that members can update at any time; certain information is optional and you can choose not to supply it and or can remove the optional information at any time.
  • Information may be shared to meet any applicable law, regulation, legal process or enforceable governmental request, for the purposes of limiting fraud or in connection with the sale of C. K. Mack to a third party.
  • Information may be shared with a number of trusted partners that perform vital functions as part of our operations.

For privacy purposes; renters, partners and investors remain anonymous on the site and are identified only by their chosen screen names or assigned identification number. However, properties have public profiles and listings on the site that display their information to any users who view these pages. The property listing pages include renter's relevant rental information such as years in the property, previous renting history, and other financial information that is shown to qualified investors so that they can effectively evaluate investment potential. As noted above, this information is also contained anonymously in data files available through C. K. Mack's systems. Property listings also contain certain personal information. Investors also have public profiles on the Site that display personal information that they have opted to include. Finally, members creating blog/forum posts are identified by the names they choose to provide. To protect renters, partners and investors' privacy, however, the blog/forum posts do not track back to investment listings or investing decisions.

C. K. Mack is not responsible for any personal information that parties or investors may choose to reveal about themselves in their screen names, investments, public profiles, or blog/forum posts.

We may share your information with law enforcement or other government agencies as required by law or for the purposes of limiting fraud. We reserve the right to disclose your personally identifiable information when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal processes served on us.

C. K. Mack works with a number of trusted partners that perform vital functions as part of our operations, including platform administrators, loan servicers, credit bureaus, collection agencies, electronic payment service providers, quality assurance agents, and companies that distribute our emails for us or collect survey information from our customers. Information is shared with these third parties only to the extent necessary for us to process the transactions you initiate or to perform other specific services, like collections. Our partners are legally required to keep your information private and secure.

Web-related Information Collection

Cookies are small text files created by a website that store information on your computer, such as your preferences when visiting that site. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP's domain name and country of origin, and the addresses of sites visited immediately before and after coming to our Site, as well as your "click stream" activity (meaning, the paths taken by visitors to our Site as they navigate from page to page) and transactional attributes in accordance with information you voluntarily submit in the course of using our Site. These anonymous data are aggregated for analysis to ensure proper functioning of our Site, in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing efforts. We also use cookies to track your activity on our Site as a unique person. We use session ID cookies to make it easier for you to navigate our site. Session ID cookies expire when you close your browser. We use a persistent cookie that remains on your hard drive for an extended period of time, so that we can recognize you when you return to our Site. You can remove persistent cookies by following directions provided in your Internet browser's "help" file; however, because we use cookies for our sign-in functionality, if you choose to disable cookies you will not be able to log on to our Site. All of this information is stored in an encrypted fashion for security reasons, and no personal information about you is stored.

We do not process or respond to "do not track" signals or other similar mechanisms whereby a visitor to a website requests that it disables collection of information about the visitor's online activities over time and across different websites. Additionally, we may permit affiliates and partners to collect such information. For instance, we might do so to track the source of traffic to our Site.

We use third-party tracking services (e.g., Google Analytics) that use cookies to track non-personally identifiable information about visitors to our site in the aggregate (such as page views and referral page information to track the success of our marketing efforts to bring people to our Site as well as overall site performance). We also employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better understand user interaction with our website. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers' personally identifiable information.

Links to Other Sites

We may offer links to partners' sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy. Further, C. K. Mack has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them with any of your personal information.

Social Media Features

Our website includes social media features and widgets ("Features"), such as the Facebook Like button. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Features are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy policy of the company providing it.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.