PRIVACY POLICY

FACTS

WHAT DOES EMBRACE HOME LOANS, INC.DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. 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.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Account Balance
  • Payment History and Employment Information
  • Credit Score and Mortgage Rates + Payments

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share a customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Embrace Home Loans, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does EMBRACE HOME LOANS, INC. share? Can you limit sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO
For our marketing purposes – to offer our products and services to you YES NO
For joint marketing with other financial companies YES NO
For our affiliates’ everyday business purposes – information about your transactions and experiences NO We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness NO We don’t share
For our affiliates to market you NO We don’t share
For nonaffiliates to market to you NO We don’t share

Questions?

Call (800) 333-3004 or go to http://embracehomeloans.com or emailPrivacy@EmbraceHomeLoans.com
Lender: Embrace Home Loans, Inc. NMLS: 2184

Who we are

Who is providing this notice?
Embrace Home Loans, Inc.

What we do

How does Embrace Home Loans, Inc. protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secure files.

How does Embrace Home Loans, Inc. collect my personal information?
We collect your personal information, for example, when you:

  • Provide Account Information or Employment Information
  • Give Wage Statement or Mortgage Information
  • Show your Gov·t issued ID

We also collect your personal information from others, such as credit bureaus, affiliates and other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies:

  • Embrace Home Loans, Inc. does not share with our affiliates.

Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Embrace Home Loans, Inc. does not share with non-affiliates so they can market to you.

Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you:

  • Embrace Home Loans, Inc. does not jointly market.