Privacy & Compliance Policies
Effective Date: 04/01/2020
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 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.
Social Media Widgets
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 EmeraldHomeLoans.com 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 firstname.lastname@example.org 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 email@example.com.
Access to Personal Information
Emerald Home Loans
107 Tindall Road
Middletown NJ 07748