Loan Factory, Inc. is committed to protecting your privacy, whether in electronic or physical format. This Privacy Policy governs the manner in which Loan Factory, Inc. collects, uses, maintains and discloses information collected from you.

We may collect personal information from you in a variety of ways, which may include:

Identifying information, such as Name, Address and Telephone Number and Social Security Number Identifying information, such as Name, Address and Telephone Number and Social Security Number, Credit History. Employment and Income Information, Bank Account Balances and Payment History.

We may collect nonpublic personal information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, over our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We use your personal information to verify your identity, detect and prevent fraud, communicate with you regarding our products or services in which you may be interested, respond to your inquiries or requests and/or comply with law enforcement requirements or other legal processes.

We may continue to share your information when you are no longer a customer of Loan Factory, Inc.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. Our policy, which governs the conduct of all of our current and terminated employees, requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past.

We adopt appropriate data collection, storage and processing practices and security measures to protect you against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our website. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your personal information. We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate. We will retain your information for as long as your account is active or as needed to provide you services.

We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Our website may use “cookies” to measure site activity and enhance your experience. A cookie is a small file that a web server automatically sends to your computer or any other Internet device when you browse certain websites. Cookies are stored on your hard drive for record-keeping purposes and to track information about website you have visited. The information stored within the cookie can be read only by the web server that originally sent the cookie to your computer. We do not capture or store personal or sensitive information in our cookies that will reveal your specific identity. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of Loan Factory, Inc’s website may not function properly.

There are two types of cookies session cookies and persistent cookies.

Session cookies are temporary files that erase when you close your browser Persistent cookies are files that stay in one of your browser’s subfolders and do not expire at the end of the session.

You may find advertising or other content on our website that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our website. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our website, is subject to that website’s own terms and policies. We are not responsible for the information practices employed by sites linked to or from our website.

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at compliance@EmortgageCapital.com

Loan Factory, Inc. has the discretion to update this privacy policy at any time. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at 855-569-3700.

If you have any questions about this privacy policy, please write us at Loan Factory, Inc. 2195 Tully Road
San Jose, CA 95122 or call us at 855-569-3700