Effective on April 14, 2011
This privacy statement describes how Embrace Home Loans collects and uses the personal information you provide on our Web site: www.embracehomeloans.com . It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
We collect the following personal information from you
Contact Information such as name, email address, mailing address, phone number
Billing Information such as credit card number, and billing address
Financial Information such as bank or brokerage account numbers, types of investments
Social Security Number
Unique Identifiers such as user name, account number, password
As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.
We use this information to
Fulfill your order
Send you an order confirmation
Assess the needs of your business to determine suitable products
Send you requested product or service information
Respond to customer service requests
Send you marketing communications
Provide the financial services you requested
Respond to your questions and concerns
Improve our Web site and marketing efforts
Conduct research and analysis
You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at email@example.com .
We enable you to create a profile, and share information such as messages, photos, and videos with others. Please note that we cannot control the actions of others with whom you may choose to share your pages and information.
We obtain credit information about you from an outside credit reporting agency to help us with customer authentication and credit-related decisions.
If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.
We may also disclose your personal information as required by law such as to comply with a subpoena, or similar legal process when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, if Embrace Home Loans is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information,to any other third party with your prior consent to do so.
We use another company to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our site.
Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.
We use a third party to gather information about how you and others use our Web site. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our site is used.
Our Site includes links to other Web sites whose privacy practices may differ from those of Embrace Home Loans. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.
The security of your personal information is important to us. When you enter sensitive information (such as credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
If you have any questions about security on our Web site, you can contact us at email@example.com
Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.
To review and update your personal information to ensure it is accurate, contact us at firstname.lastname@example.org .
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
You can contact us about this privacy statement by writing or email us at the address below: