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Privacy Policy

WWW.EMBRACEHOMELOANS.COM ONLINE PRIVACY STATEMENT

Effective on August 14, 2017

The security of your personal information is important to us. We maintain physical, electronic and procedural safeguards to protect that information. This Online Privacy Statement provides information about how Embrace Home Loans handles the personal information you provide online or via our website: www.embracehomeloans.com (and associated websites and/or mobile apps). It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

Please note that this Online Privacy Statement does not replace or modify our GLBA Privacy Statement. LINK TO GLBA PRIVACY STATEMENT PDF. The GLBA Privacy Statement provides information about how we collect, use, and share non-public personal information (“NPPI”) about consumers and customers, and your choices in connection with such information.

This website is not intended for the use of any persons under the age of 18.

With Embrace You Have Choices

Embrace customers have the opportunity to make choices about how their personal information may be shared. As you consider this, we encourage you to make choices that enable us to provide you with mortgage products and services that may help you meet your financial needs and objectives. We are here to serve you and you can make changes at any time.

Our Online Privacy Statement provides information about how we may collect, use and share information you provide when you visit this website, receive our emails or interact with advertisements we have on third-party websites.

Security

The security of your personal information is important to us. When you enter sensitive information, we encrypt the transmission of that information using secure socket layer technology (SSL). No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

If you wish to cancel your account or have questions about security on our website, contact us at privacyinfo@embracehomeloans.com.
What Information Do We Collect

We collect two types of online information, non-personal and personal.

Non-Personal Information

When you visit our site, we collect the IP address of the device you use to connect to the Internet. In addition, we gather information such as what browser and which version of it you're using, the type of operating system you have, and which site you came from or advertisement you viewed or clicked on. This device information helps us provide an online experience that matches your device and manage our online advertising.

We may also supplement the information we collect with information we receive from other companies.

Collection and Use of Personal Information

In addition to the information described above, we may also gather personal information that you provide to us such as your name, address, phone number, and email address. At other times, we collect additional personal information you provide when you apply for a mortgage online.

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

If we have received personal information from you, or have information that is publicly available from other sources, we may use it in combination with the information that we collect online. This information may be used, for example, to better tailor or personalize our service and marketing communications with you, both online and offline.

If you are an Embrace Home Loans customer, the personal information you provide online will be used by Embrace, for example, to assist processing your application for a mortgage or in servicing your loan. You can access and/or change information in connection with your application or loan online or calling us.

Embrace Home Loans
25 Enterprise Center
Middletown, RI, United States 02842
Phone: 401-846-3100

Information Obtained from Third Parties

We may obtain information from third parties, for example, to help authenticate your identity and prevent fraud.

If you apply for an extension of credit, we may ask that you authorize us to obtain credit information about you from an outside credit reporting agency.

How Do We Use the Information We Collect?

Embrace uses the information we collect about and from you to provide services, to manage our business and to offer an enhanced, personalized online experience on our site and third-party websites.

The information we collect allows us to, for example:

Recognize you when you return to our site so we can personalize your experience Process applications and transactions Respond to your requests Recognize and provide you account related benefits and information on our sites Provide you more relevant product and service offers on our sites and in other advertising We may also use personal information we have about you such as your email or postal address to deliver advertising to you directly or on third party websites.

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, to respond to a government request, or for any other purpose consistent with law.

Online Services Use of Cookies and other Tracking Technologies

When you browse our site or view one of our emails, or advertisements, Embrace and companies we work with, use cookies, Flash objects, web beacons and/or pixel tags to collect device information and store your online preferences, but they do not capture any information that can be used to personally identify you. The information they gather helps us improve your online experience and may include your response to one of our emails or advertisements, time and duration of your visit to our site and pages you viewed while on our site.

Device Tracking

We may use similar technologies, particularly in mobile advertising, that use device information to help deliver our advertisements and measure advertising campaign effectiveness. We and companies we work with may collect your device information when you visit one of our sites or see our ads. Compiling and comparing these attributes can create a unique ID for individual devices and can be "matched" to the same attributes appearing on other sites or mobile applications. Some companies we work with are also able to associate related devices into households based on common characteristics, such as IP addresses.

Targeted Advertising

Like most advertisers, we place advertisements where we think they will be most relevant to customers. We place advertisements by developing and using our own marketing segments that may combine online and offline information about our current and prospective customers. We work with advertising companies to place and track our ads on third party websites. Advertising companies that provide these services have their own privacy policies and are not subject to our Online Privacy Statement. The services they provide include, but are not limited to, communications (e.g., email), marketing, data processing, customer acquisition and servicing and advertisement management. When we use other companies to provide services for us, we require them to protect the confidentiality of information they receive.

Choice/Opt-Out- You Control Your Information That's Collected and Used Online

It's important to note that the information we use about you helps us provide you with products, services and experiences that benefit you. As explained in this Online Privacy Statement, you have choices about how your information is collected and used online.

E-Mail

When you provide your email address, we will use it to send you general notices or important information about your application or loan, request your feedback or opinions, and provide marketing updates and offers that might interest you relating to mortgage financing.

We believe you should be able to choose what kinds of information you receive via email. If you do not want to receive marketing materials by email, just indicate your preference on the contact information for your account or the 'opt-out' link provided in our marketing emails. Please keep in mind that we will continue to notify you by email regarding your loan account and for other transactional purposes.

Cookies and Other Tracking Technologies

We may use cookies, pixels, tags or web beacons to help us provide users with a better service and a more customized web experience. These technologies are also used to collect general usage and volume statistical information that does not include personal information.

We may partner with another company to use tracking services, analytics and other technologies to monitor visits to embracehomeloans.com. The non-personally identifiable information we collect is used to compile aggregate statistics for us about visitors to our site. You can control whether to accept cookies or not. If you decide to not accept cookies, some features and services on our site may not work properly because we may not be able to recognize and associate you with your Embrace account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

If you would prefer not to accept cookies, you can change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it or set your browser to automatically not accept any cookies.

Deleting cookies does not delete other tracking technologies like, Flash objects. If you choose to delete these other technologies from our site, then you may not be able to access and use all or part of the site or benefit from the information and services offered.

Web Beacons

Our webpages 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 website. 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.

Targeted Advertising

We believe that online behavioral advertising helps to provide you with more relevant advertising based upon on the websites you visit. As such, we may use cookies to track your visits to other, related websites in order for us to better tailor our marketing to your specific needs.

If you prefer to not receive targeted advertising, you can opt out of some network advertising programs that use your information. To do so please visit the NAI Opt-Out Page. Please note that even if you choose to remove your information (opt out), you will still see advertisements while you're browsing online. However the advertisements you see may be less relevant to you and your interests.

Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. Although we believe that each of the sites to which we target our ads or from which we collect data should post a privacy statement that fully describes the advertising and data collection activities on its site, we cannot guarantee that all of those sites post such a statement. The NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.

The Digital Advertising Alliance's Self-Regulatory Principles for Online Behavioral Advertising govern certain online advertising and data collection practices. The principles facilitate transparency about online advertising practices and support consumer choice in managing behavioral advertising. We subscribe to these Principles. For more information about the Principles and the Ad Choices icon visit http://www.youradchoices.com/

Because mobile devices may vary in how they operate and may not use cookies, the choice management options listed above may not work for all mobile devices and mobile apps. Mobile ad management providers make available tools for managing your choices regarding behavioral advertising on mobile devices and mobile apps. Depending upon the advertising company, if you opt out on one device they may also opt you out on any screen considered part of the same household.

Do Not Track

There is no generally-accepted standard for how Do Not Track consumer browser settings should work on commercial websites. Therefore, our websites do not respond to Do Not Track consumer browser settings. For more information regarding the choices you do have in seeing online behavioral ads, see the "About Ads" or NAI links provided above. Many of Embrace's advertising vendors and companies participate in these programs. Using the choice mechanisms these programs make available may help you see advertising that is relevant to you or help you avoid seeing interest based advertising generally.

You may be using an Internet browser that has the ability to communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, the Embrace Home Loans websites do not respond to any of these signals. Embrace may track your activity on these websites and use that information as provided in this policy.

Links to Other Websites

Our Site includes links to other websites 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 website you visit.

Additional Policy Information

Our website 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. 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.

Notice of changes.

From time to time, we may change this Online Privacy Statement. The effective date of this statement, as indicated above, shows the last time this statement was revised or materially changed. Checking the effective date above allows you to determine whether there have been changes since the last time you reviewed the statement.

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.

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 website 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. 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 privacyinfo@embracehomeloans.com .

Correcting and Updating Your Personal Information

To review and update your personal information to ensure it is accurate, contact us at privacyinfo@embracehomeloans.com.

Contact Information

You can contact us about this privacy statement by writing or email us at the address below:

Embrace Home Loans
25 Enterprise Center
Middletown, RI, United States 02842
Phone: 401-846-3100

SMS OPT IN/OUT

To receive offers, promotions, and other information from Embrace, text JOIN to [SMS] from your mobile device. You will receive a text with these terms again, text Y to confirm. You’ll then receive texts via autodialer to the number you provide, until you opt out. Message and data rates may apply. You must be a US resident and at least 13 years old to enroll. You don’t have to join to do business with Embrace. To opt-out, reply to any SMS message with STOP.

EMAIL OPT IN/OUT California

Residents of the State of California may request a list of all third parties to which Embrace has disclosed personal information during the preceding year for the third parties' direct marketing purposes. If you are a California resident and want a list, you should send a request to privacyinfo@embracehomeloans.com or contact us at:

Embrace Home Loans
25 Enterprise Center
Middletown, RI, United States 02842
Phone: 401-846-3100

You need to provide the statement "Your California Privacy Rights" in the subject field of your e-mail or on the envelope or post card and in the actual request. For all requests, please include your name, street address, city, state, and zip code. We will not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or sent properly, or that do not have complete information.