Privacy Policy  

1. General 

Empire Home Loans, Inc. is committed to protecting the privacy of any person or entity that uses or makes use of its services, products, or system (“User” or “Users”). This privacy policy (hereinafter “Policy”) explains when and how personal information is collected, used, disclosed, and protected with respect to Empire Home Loans, Inc.’ website located at https://www.empirehomeloans.com/ (the "Site"). https://www.empirehomeloans.com/ domain is managed by Empire Home Loans, Inc.. By using the Site, the User fully understands and consents to the privacy practices described in this Policy, as reasonably modified from time to time by Empire Home Loans, Inc.. The user has carefully reviewed this Policy in order to fully understand Empire Home Loans, Inc.’s data privacy practices. Empire Home Loans, Inc. is also covered by this privacy policy.

 

2. Personal Information

Personal Information shall be defined, but not limited to, as information that is specifically identifiable to a unique individual, information such as a name, address, individual’s telephone number, e-mail address, account number, information about an individual's activities if directly linked to that person (hereinafter “Personal Information”). Personal Information also includes, but shall not be limited to, demographic information, such as date of birth, one’s gender, geographic area, and personal preferences if such information can be identifiable and unique.

 

3. Personal Information We Collect

Empire Home Loans, Inc. collects Personal Information from Users in a number of ways, examples such are: when Users visit Empire Home Loans, Inc. Site, Empire Home Loans, Inc. collects Personal Information when Users: (1) register and set up an account; or (2) contact Empire Home Loans, Inc. by e-mail for any reason; or (3) Users enter the contact information of clients or potential clients for the purpose of engaging with them through the use of Empire Home Loans, Inc. platform. (4) Onboarding and tech support. When Users visit Empire Home Loans, Inc. website, some information is also automatically collected, such as the Users computer's Internet Protocol (“IP”) address, Users computer's operating system, the browser type, the address of a referring website, and the time and date of Users visit and purchases. Empire Home Loans, Inc. treats this information as Personal Information if it is combined with or linked to any of the identifying information mentioned above. While these may be some examples of how Empire Home Loans, Inc. can gather and obtain User Personal Information, the User shall not consider this to be an exhaustive list.

 

4. How We Use Personal Information

Empire Home Loans, Inc. uses Personal Information to process User requests and provide Users with services, to inform Users about other products, to provide Users with products and/or services Empire Home Loans, Inc. believes may be of interest to the User. When Empire Home Loans, Inc. uses User Personal Information in its own marketing efforts, Empire Home Loans, Inc. provides Users with options and does not disclose the User’s Personal Information to third parties, except as described in this Policy. Personal Information provided online may be linked together or merged with other Personal Information so that Empire Home Loans, Inc. may better understand User needs and inform Users about Empire Home Loans, Inc. products or services. Empire Home Loans, Inc. also uses User Personal Information to send Users informational emails, including without limitation to newsletters, notifications by account owners, project managers, forum moderators, group members, and reminders of event schedules and attendance.

 

5. Emails

If Users send emails through Empire Home Loans, Inc. Site, the User must understand that the email will include an email address and any personal message included. Due to the nature of the email being sent from Empire Home Loans, Inc. Site, these emails are not private communications and therefore are not confidential. Empire Home Loans, Inc. has no responsibility to keep such information confidential if the User sends emails through Empire Home Loans, Inc. Site. Users shall not use the Site or any software provided through the Site to send spam or content that violates this agreement or any other User agreement. To stop receiving emails from us or our clients, please click the link found at the bottom of each email or update your account preferences.

 

6. Security

Empire Home Loans, Inc. has put security measures into place in an effort to protect User’s Personal Information while such information is under Empire Home Loans, Inc. control. All Personal Information relating to Users are stored in a reasonably secure environment, separate from the Site. User’s account information is accessible online only through the use of a confidential password. To protect the confidentiality of Personal Information, the User must keep his password confidential and not disclose it to any other person. Users are solely responsible for all uses of the Site by any person using a User password. Users shall advise Empire Home Loans, Inc. immediately if User believes its password has been misused or improperly obtained.

 

7. Control of Personal Information

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. The types of personal information we collect and share depend on the product or service you have with us. This information can include (but is not limited to):

  • Login information
  • Email addresses
  • Phone numbers
  • Credit Card information

 

Empire Home Loans, Inc. does not share any of this information and recommends clients change their assigned password after tech setup and onboarding is complete. To protect your personal information, we use security measures including computer safeguards and educating our employees about the importance of confidentiality and customer privacy. We collect your personal information, for example, when you:

  • provide us your information to set up your Technology Tools
  • provide account information for payment
  • provide us your login information for electronic marketing services

 

Companies related by common ownership or control. As of 2020-01-01, Empire Home Loans, Inc. has no affiliates.

 

Empire Home Loans, Inc. gives the User the opportunity to opt-out of receiving communications from Empire Home Loans, Inc., and to limit the use and disclosure of the User’s own Personal Information for purposes other than which it was originally collected or subsequently authorized. Every non-transactional email sent by Empire Home Loans, Inc. servers includes a link to manage preferences. Use that link to opt-out of any communications from that sender. Empire Home Loans, Inc. does not sell, rent, or share Personal Information with third parties without the User’s prior consent, except in the limited circumstances, such circumstances described in this Policy. Empire Home Loans, Inc. acknowledges that EU individuals have the right to access the personal information that we maintain about them. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data, should direct his query to the contact information listed below. If requested to remove data, we will respond within a reasonable timeframe.

 

Empire Home Loans, Inc. may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements. Information about Empire Home Loans, Inc. Users, including Personal Information, may be disclosed or transferred as part of, or during negotiations of, any merger, sale of company assets, or acquisition.

 

Notwithstanding any other provision, Empire Home Loans, Inc. may also engage a data provider who may collect web log data from contacts in Empire Home Loans, Inc. accounts (including IP address and information about the browser or operating system), or place or recognize a unique cookie on such contacts' browsers to enable the delivery of customized content. These cookies contain no personally identifiable information. The cookies may reflect de-identified demographic or other data linked to data that Empire Home Loans, Inc. users voluntarily have submitted to us, e.g., email address, that we may use to interface with a data provider solely in hashed, non-human readable form. To opt-out of these data provider cookies, please go to http://www.aboutads.info/choices

 

8. EU-US and Swiss-US Privacy Shield

Empire Home Loans, Inc. complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union and Switzerland to the United States, respectively. Empire Home Loans, Inc. has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov/.

 

In compliance with the US-EU and Swiss-US Privacy Shield Principles, Empire Home Loans, Inc. commits to resolve complaints about your privacy and our collection or use of your personal information. European Union or Swiss individuals with inquiries or complaints regarding this privacy policy should first contact Empire Home Loans, Inc. at:

Empire Home Loans, Inc.

Attn: Privacy Manager

https://www.empirehomeloans.com/

 

Empire Home Loans, Inc. has further committed to refer unresolved privacy complaints under the EU-US and Swiss-US Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit http://www.bbb.org/EU-privacy-shield/for-eu-consumers for more information and to file a complaint.

When a customer and Empire Home Loans, Inc. have agreed by contract that transfers of personal information from the European Economic Area (“EEA”) or Switzerland will be transferred and processed pursuant to the Privacy Shield for the relevant services, when conducting those activities on behalf of its EEA/Swiss customers, Empire Home Loans, Inc. holds and/or processes personal information provided by the EEA/Swiss customer at the direction of the customer. Empire Home Loans, Inc. will then be responsible for ensuring that third parties acting as agents on its behalf meet the same standards.

 

Please note that if your complaint is not resolved through these channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel. Empire Home Loans, Inc. is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).

 

9. Cookies, IP Addresses, and URLs

Automatically Collected Information: Empire Home Loans, Inc. automatically receives certain types of Personal Information whenever a User interacts with Empire Home Loans, Inc.. For example, when a User visits the Site, Empire Home Loans, Inc. automatically collects the User IP address and the type of browser the User uses. Information may be automatically collected through the use of a term called "cookies." Empire Home Loans, Inc. also collects various types of information called ‘clickstream information’, which is information about Users browsing behavior, such as IP address information, entry, and exit points for the Site, search terms, website addresses User visits, page views, and impressions. Cookies are also collected. Cookies are small text files placed on Users hard drive by a web site when Users visit a particular website. These files identify a User’s computer and record a User’s preferences and other data about a User’s visit so that when the user returns to the site, the site knows who the User is, and can personalize the User’s visit. Most browsers automatically accept cookies as the default setting. Users can modify the setting to reject cookies or to prompt Users before accepting a cookie from the site’s User visit by editing browser options. Empire Home Loans, Inc. may place or recognize a unique cookie on Users browser to enable Users to receive customized content or services. Any cookies made available to shopping carts or other tracking information sent to third parties will reflect only de-identified demographic or other data linked to data Users have voluntarily submitted to Empire Home Loans, Inc., will be encrypted, and will not be used to identify Users individually. If Users decide not to accept Empire Home Loans, Inc. cookies, Users will still be able to access those parts of Empire Home Loans, Inc. site available to the general public, but Users may not be able to login or use the site's features or services, and Users may have a less satisfactory experience.

 

10. Links to Other Websites

Empire Home Loans, Inc. Site may contain links to other websites. Any Personal Information User provided on the linked pages, is provided directly to that third party and is subject to that third party's privacy policy. Except as described above, Empire Home Loans, Inc. is not responsible for the content or privacy and security practices and policies of web sites to which Empire Home Loans, Inc. links. Links from Empire Home Loans, Inc.’s Site to third parties or to other sites are provided for User convenience. Empire Home Loans, Inc. encourages Users to learn about their privacy and security practices and policies before providing them with Personal Information.

 

11. Policy Changes

Empire Home Loans, Inc. reserves the right to change or alter this Policy at any time. Empire Home Loans, Inc. may use User Personal Information for new, unanticipated uses not previously disclosed in this Policy. If Empire Home Loans, Inc.’s privacy practices change, Empire Home Loans, Inc. will post the policy changes to our website and notify Users by indicating the date the privacy policy was last updated. Empire Home Loans, Inc. encourages Users to check back at Empire Home Loans, Inc. Site periodically if the User is concerned about how the Users Personal Information is used.

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Our site uses technologies of third-party partners to help us recognize your device and understand how you use our site(s) so that we can improve our services to reflect your interests and serve you advertisements about the [products and/or services] that are likely to be of more interest to you. Specifically, these partners collect information about your activity on our site(s) to enable us to measure and analyze traffic and browsing activity on our site(s);

We may share data, such as hashed email derived from emails or other online identifiers collected on our site(s)  with our advertising partners. This allows our partners to recognize and deliver you ads across devices and browsers.   

Opting-Out 

Our partners may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit you to block such technologies. For this reason, you can use the following third-party tools to decline the collection and use of information for the purpose of serving you interest-based advertising:




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