Privacy Statement
EZ Mortgages, Inc., operating as a mortgage broker licensed by the California Department of Real Estate is your Agent securing your mortgage. Don’t worry. You won’t get bombarded by telemarketers. We’re not like lendingtree, bankrate, fund.com or so many other online platforms that are lead generating funnels who sell your information to mortgage companies. Nor are we a fully electronic, nameless, faceless app, that serves up information without helpful insight. We’re real people, at your service to help you evaluate your spectrum of options, and make the best decisions to suit your needs.
As your Agent, we have a specific fiduciary duty to you, our client. That means we put your financial interests above our own. Beyond that, we are extremely aware of the endless marketing and solicitations we all receive from every angle. All of your personal information is strictly confidential. We do not sell, rent, or share your information with anyone for marketing purposes. We will, with your permission, inform you of market activity relating to real estate financing, from time to time. We take the trust we develop in our relationship very seriously.
Our privacy statement describes how we collect, protect and use information about you during your visit on our web site and in conversations with us. What we collect will depend upon you. You may visit this site and contact us anonymously. If you so choose, we may collect personal information about you from the information you provide to us when you fill out an application or other forms on our site, in person or over the phone. We may also receive personal information about you from consumer reporting agencies, your transactions with us, or other sources including, among others, affiliates, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies. This information may include: Name, Address, Social Security Number, Credit History, Income/Assets, Account Numbers, Telephone Number, Email Address. Your information is shared with certain employees and with companies providing services on our behalf only to the extent to which they can provide the required service. We require all employees and companies providing services on our behalf to keep customer information confidential. Our privacy policy applies to potential customers as well as current and former customers.
We may collect your browsing history of our web site, including pages visited, time spent on our site, and other “generic” user information gathered by our system administrator. That browsing information is used solely for internal purposes to optimize the information we provide and to stay abreast of technology to enhance your use of our site. If you wish to not have your browsing history tracked you can use software to browse anonymously, and/or turn off your browsing cookies.
Protecting Personal Information
We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure. We have implemented physical, electronic and procedural measures to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access and use. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, plus virus and use detection software. We assess new technology as it becomes available and options to upgrade our physical and electronic security systems as appropriate. Our policy is to permit employees to access your personal information only if they have a business purpose for using such information as it relates to providing our service. Our policy governs the conduct of all of our employees and requires all employees to safeguard personal information about the clients and prospects we serve or have served in the past.
Sharing Information With Companies That Provide Services For Us
We do not rent, sell or otherwise distribute your personal information. We only share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. We provide them solely with the minimum information required for them to provide their portion of their service to you. You may also opt out from information sharing, disallowing third party providers from using or sharing your information that they obtain for any purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
Your participation on this Site indicates your acceptance of this Privacy Policy and of the collection, use, disclosure, management and storage of your personal information as described in our Privacy Policy. We may from time to time, transfer or merge any personal information collected off-line to our online databases or store off-line information in an electronic format. We may also combine personal information we collect online with information available from other sources. We reserve the right to revise this policy at any time by updating this posting without advance notice to you. Such revisions shall be effective to you immediately upon posting. Therefore, we encourage you to check this Privacy Policy often.
Changes To Our Privacy Policy
EZ Mortgages reserves the right to amend this Privacy Statement or alter its privacy principles at its sole discretion without notice to you. Any alterations to this Privacy Statement or our privacy principles will be posted on our web site in a timely manner.
If you have any questions about this privacy policy, please contact us by email to info@ezmortgages.us or mail at:
EZ Mortgages
4535 Missouri Flat Rd. Ste. 2E
Placerville, CA 95667