Privacy & Compliance Policies 

Effective Date: 04/01/2020

Emerald Home Loans is committed to protecting your privacy. This statement of privacy describes how Emerald Home Loans collects, uses and discloses the personal information you provide to us through our web site and our CRM Platform. By using our website, you consent to the data practices described in this statement. If you have questions or complaints regarding our privacy policy or practices, please contact us at

Information Collection and Use

If you wish to apply for a loan, get pre-approved or obtain mortgage information from us we will collect certain personal information from you. The types of information we collect are name and email address so that you may register. Once you have registered and began the process of applying for a loan, we will ask for additional information such as address, social security number, date of birth, marital status, and number of dependents. We will also ask for the property location, employment information such as positions, and earnings, assets you may have and types of bank accounts, housing expenses and your current income, and any declarations. Once you have submitted your request you will be contacted by one of our loan officers to complete the process.

We may use this information to contact you about the services on our site in which you have expressed interest and to determine whether or not you are eligible for a loan, for what amount and to allow you to view your pending loans and recent loans.

Based upon the personal information you provide us; we will send you a welcoming email to verify your email address and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. In order to provide certain services to you, such as providing loans, we may on occasion supplement the personal and sensitive information you submitted to us with information from third parties. To determine if you qualify for a loan, we use your name and social security number to request a credit report. Once we determine your credit-worthiness, we destroy this document.

Information Sharing and Disclosure

We will share your personal information with third parties only in the ways that are described in this privacy policy. These companies are authorized to use your personal information only as necessary to provide these services to us. We do not sell your personal information to third parties. In certain situations, Emerald Home Loans may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

  • We may provide your personal information to companies that provide services to help us with our business activities such as processing your paperwork. These companies are authorized to use your personal information only as necessary to provide these services to us.
  • We may also disclosure your personal information as required by law, such as to comply with a subpoena, or similar legal process including state, federal or other banking audits.
  • 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 we are involved in a merger, acquisition, or sale of all or a portion of our 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.

Log Files

As true of most Web sites, our host server HubSpot may gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. HubSpot uses this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. Links to Other Sites This Web site contains links to other sites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that collects personal information. This privacy policy applies only to information collected by this Web site.

Social Media Widgets

Our web site includes Social Media Features, such as the Facebook button [and Widgets, such as interactive mini-programs that run on our site]. 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. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. Testimonials We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at

Email & Text Message Consent & Opt-Out:

Effective July 29, 2020, all new and existing members agree to receive emails and recurring marketing text messages from Emerald Home Loans.  By completing and submitting any form on you agree to receive reoccurring marketing messages at the phone number provided from Emerald Home Loans. Message and data rates will apply and you should check the rates of your mobile carrier.

You can opt out from further text marketing communications by texting STOP to the SMS number used by Emerald Home Loans to contact you or email and include your cell phone number, or call 833-345-1234.

Please note that your opt-out is limited to the phone number used and will not affect subsequent subscriptions. If you opt-out of only certain communications, other subscription communications may continue. Even if you opt out of receiving promotional communications, Emerald Home Loans may, subject to applicable law, continue to send you non-promotional communications, such as those about your account, transactions, servicing, or Emerald Home Loans' ongoing business relations.

You can opt out of receiving certain promotional communications emails from Emerald Home Loans at any time by following the unsubscribe instructions in any promotional e-mails you get from us or emailing us at 

Access to Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, delete inaccuracies, update, or amend it by emailing us at We will respond to your access request within 15 days. 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 the email address listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Security The security of your personal information is important to us. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards including 64-bit encryption and password protections. When you enter personal information or sensitive information (such as a social security number or login information) on our site or application forms, we encrypt the transmission of that information using secure socket layer technology (SSL). If you have any questions about the security of your personal information, you can contact us at Changes in this Privacy Policy We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices. Contact Us If you have any questions or suggestions regarding our privacy policy, please contact us at or by mail to:

Emerald Home Loans
107 Tindall Road
Middletown NJ 07748