The California Consumer Privacy Act of 2018 (CCPA), provides California residents with specific rights related to their personal information. This section describes what information we collect and your CCPA rights and how to exercise them.
In certain ways described below, we collect information consumers' "personal information", which is information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device. As used below, "personal information" only refers to information protected under the CCPA.
Use of Personal Information
Embrace does not and will not sell your personal information.
We collect this information for business and commercial purposes that include:
We also use Personal Information that we collect about you or that you provide to us, including any Personal Information used to fulfill our contractual obligations to you:
In particular, we have collected the following categories of personal information from our consumers within the last twelve (12) months:
Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol internet protocol address, physical characteristics, driver's license or state identification email address, account name, social security number, passport number, or other similar identifiers.
Bank account, credit card, insurance, and other financial information.
Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, internet website, application, or advertisement.
Professional, educational, and employment-related information.
Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Inferences drawn from other personal information, such as to develop a profile of your consumer preferences
We collect this information in various ways. We collect most personal information directly from you — either during a mortgage application or as we service your mortgage loan. We collect and secure all of this information in accordance with federal regulations. We also may receive information from other sources, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained. And we gather information using cookies and other online tools and technology. But, if you are not logged into your online account, this type of information is not collected or maintained in a manner that is considered personal information. In other words, we collect some information about our anonymous website visitors, but we do not attempt to identify our visitors by name or profile. We only identify you by name when you submit a webform with your personal information or log into your account.
Third Party Disclosure
The information above may be disclosed with the following types of third parties:
Right of Access and Right to Delete
California residents have the right to request that Embrace disclose certain information to you about our collection and use of your personal information over the past 12 months, subject to certain exceptions. You can make this request for free, twice per year.
Once we receive and confirm your verifiable consumer request, we will disclose to you:
You also have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
Personal information that is collected, held, or processed pursuant to the Gramm Leach Bliley Act or Fair Credit Reporting Act is exempt from the CCPA and not subject to the right to access or right to delete. Additionally, we may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Exercising Your Rights and More Information
To exercise these CCPA rights described above, please submit a verifiable consumer request to us in one of the following ways:
Calling us at 800-333-3004
Emailing us at [email protected]
Online by clicking here:
If you just want more information about our privacy policies and practices, please contact us for questions at the phone number or e-mail address above.
Only you, or a person registered with the California Secretary of State that you authorize in writing to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. An authorized agent must confirm their own identity directly with us.
The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Other California Privacy Rights
California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected]ans.com or write us at:
Embrace Home Loans
25 Enterprise Center
Middletown, RI, United States 02842
Email: [email protected]
You need to provide the statement "My California Privacy Rights" in the subject field of your e-mail or on the envelope or post card and in the actual request. For all requests, please include your name, street address, city, state, and zip code. We will not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or sent properly, or that do not have complete information.