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At eCap Home Loans, your privacy is of the utmost importance to us. Please read this Privacy Policy carefully before using the https://ecaphomeloans.com/ Website (the “Website”) operated by eCap Home Loans, a limited liability company (LLC) established in the State of New York, USA (“us,” “we,” “our”). This Privacy Policy governs your access to and use of the Website and is a condition of your use.
Your access to and use of the Website is conditional upon your acceptance of and compliance with this Privacy Policy. This Privacy Policy applies to everyone, including, but not limited to: visitors, users, and others, who wish to access or use the Website.
By accessing or using the Website, you agree to be bound by this Privacy Policy. If you disagree with any part of the Privacy Policy, then you do not have our permission to access or use the Website.
What information we collect, where we get this information, how we use this information, what happens if we don’t have it, and the legal basis for processing this information
We collect and store any and all information that you enter on this Website for various purposes to provide and improve our service to you.
Types of Data Collected
While using our website, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). This Personal Data may include, but is not limited to, your name, phone number, email address, and postal address.
We collect and store the following information about you:
Specific piece of information
Name
Legal basis for processing this information.
The user has provided consent to the processing of their information;
Processing is necessary in order to take steps that the user has requested prior to entering into a contract;
Processing is necessary for compliance with a legal obligation.
Where we get this information
Information submitted by the consumer;
The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
Analytics;
Performing services;
Providing customer service;
Verifying customer information.
What happens if we don't have this information
Our use of your data for analytics will not be possible;
Our use of your data for performing services will not be possible;
Our use of your data for providing customer service will not be possible;
Our use of your data for verifying customer information will not be possible.
Specific piece of information
Phone number
Legal basis for processing this information.
The user has provided consent to the processing of their information;
Processing is necessary in order to take steps that the user has requested prior to entering into a contract;
Processing is necessary for compliance with a legal obligation.
Where we get this information
Information submitted by the consumer;
The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
Analytics;
Performing services;
Providing customer service;
Verifying customer information.
What happens if we don't have this information
Our use of your data for analytics will not be possible;
Our use of your data for performing services will not be possible;
Our use of your data for providing customer service will not be possible;
Our use of your data for verifying customer information will not be possible.
Specific piece of information
IP address
Legal basis for processing this information.
The user has provided consent to the processing of their information;
Processing is necessary in order to take steps that the user has requested prior to entering into a contract;
Processing is necessary for compliance with a legal obligation.
Where we get this information
Information submitted by the consumer;
The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
Analytics;
Performing services;
Providing customer service;
Verifying customer information.
What happens if we don't have this information
Our use of your data for analytics will not be possible;
Our use of your data for performing services will not be possible;
Our use of your data for providing customer service will not be possible;
Our use of your data for verifying customer information will not be possible.
Specific piece of information
Email address
Legal basis for processing this information.
The user has provided consent to the processing of their information;
Processing is necessary in order to take steps that the user has requested prior to entering into a contract;
Processing is necessary for compliance with a legal obligation.
Where we get this information
Information submitted by the consumer;
The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
Analytics;
Performing services;
Providing customer service;
Verifying customer information.
What happens if we don't have this information
Our use of your data for analytics will not be possible;
Our use of your data for performing services will not be possible;
Our use of your data for providing customer service will not be possible;
Our use of your data for verifying customer information will not be possible.
Specific piece of information
Device identifier
Legal basis for processing this information.
The user has provided consent to the processing of their information;
Processing is necessary in order to take steps that the user has requested prior to entering into a contract;
Processing is necessary for compliance with a legal obligation.
Where we get this information
Information submitted by the consumer;
The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
Analytics;
Performing services;
Providing customer service;
Verifying customer information.
What happens if we don't have this information
Our use of your data for analytics will not be possible;
Our use of your data for performing services will not be possible;
Our use of your data for providing customer service will not be possible;
Our use of your data for verifying customer information will not be possible.
Use of Data:
We are not required to collect this information by a law, court order, nor by a tribunal order. We do not combine nor link the personal information that we hold about you.
Note that we may use your personal information for the purpose of automated decision making. Please see the “Your Rights” section below for more information regarding exercising your privacy rights related to automated decision making.
With whom we share your personal information
We do not share your personal information with any third parties.
How we protect your personal information
We have implemented the following measures to protect and safeguard your personal information:
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure.
Sale of your information
We do not sell your personal information.
Cookies
A cookie is a small piece of data sent from a website and stored on your device by your browser. This Website collects cookies. Please visit our Cookie Policy to learn more about what cookies we collect, why we collect them, and how to change your cookie settings
Children’s privacy
This Website is intended for use by a general audience and does not offer services to children. Should a child whom we know to be under 18 send personal information to us, we will use that information only to respond to that child to inform him or her that they cannot use this Website.
Analytics programs
This Website uses Google Analytics to collect information about you and your behaviors. If you would like to opt out of Google Analytics, please visit https://tools.google.com/dlpage/gaoptout/.
Information retention
We retain all of the information that we collect until we no longer require your information to service your account or legal time limits reach their expire dates.
Automated decision-making
We use the information that we collect about you for automated individual decision-making. Automated individual decision-making is making a decision solely by automated means without any human involvement.
We use the logic below to conduct automated decision-making:
scoring for intent based marketing
Your rights
Depending upon where you reside, you may have the following rights with regard to your personal information:
Applies To
Residents of Canada, Australia, the United Kingdom, and Quebec only
Applies To
Residents of the United Kingdom only
Applies To
Residents of the United Kingdom only
Applies To
Residents of the United Kingdom only
Applies To
Residents of Canada, Australia, the United Kingdom, and Quebec only
Applies To
Residents of Canada, Australia, the United Kingdom, and Quebec only
Applies To
Residents of the United Kingdom only
Applies To
Residents of Canada, Australia, the United Kingdom, and Quebec only
Applies To
Residents of Australia only
Applies To
Residents of Australia only
Applies To
Residents of Quebec only
Exercising your rights
You may exercise the rights specified above by submitting a consumer request to:
Craig Labruno
info@ecaphomeloans.com
929-499-2657
We will need to verify your identity prior to effectuating your request. To verify your identity, you will need to provide us with the following information with your request:
Please note that we may be unable to process your request if you do not provide us with the above information.
We will respond to most consumer requests within 30 to 45 days of receipt, depending upon where you reside. However, some requests may take longer. We will notify you in writing if we need more time to respond. We have the ability to deny your request(s) if certain exceptions in the law apply. If we do deny your request, we will provide you with the reasons for such denial.
Complaints
You may exercise the rights specified above by submitting a consumer request to:
Craig LaBruno
info@ecaphomeloans.com
929-499-2657
Any such complaints must first be addressed to us in writing as required by Australia Privacy Act 1988 S 40(1A). We will respond to all complaints within a reasonable time (usually 30 days). If you are not satisfied with our response to your complaint, you may then lodge a complaint with the Office of the Australian Information Commissioner by following the steps on this page.
Accountability
The following person is accountable and responsible for our privacy practices and procedures:
Craig LaBruno
info@ecaphomeloans.com
929-499-2657
You may lodge a complaint with us by contacting the person accountable and responsible for our privacy practices and procedures at the contact information above. Residents of Quebec may lodge a complaint with the Office of the Privacy Commissioner of Quebec by filling out this form or calling 1-888-528-7741. Residents of Canada may also lodge a complaint with the Office of the Privacy Commissioner of Canada by visiting this page or calling 1-800-282-1376.
Consent and Communication Preferences
By visiting our site, you have the option to consent to opt-in to receive email notifications and promotional material. Similarly, you can always opt-out of receiving email notifications and promotional material at any time by following the unsubscribe link or instructions provided in any email we send.
Text Messages
You consent to receive text messages (SMS) from eCap Home Loans for purposes including but not limited to confirming appointments and receiving informational content related to our services. Messages may be automated, and message frequency may vary. Standard message and data rates may apply. You can opt out of receiving any further text messages at any time by replying STOP to any message you receive from us. For more information, text HELP or contact us at 929-499-2657
Access, Review, and Change of Personal Information
You may review, change, or terminate your account at any time.
Location of data processing
All data processing activities undertaken by us take place in United States.
Do Not Track
Do Not Track is a preference you can set on your browser to inform websites that you do not want to be tracked. We do not support Do Not Track (“DNT”). You can either enable or disable Do Not Track by visiting the Preferences or Settings page of your browser.
Changes to Privacy Policy
We reserve the right to amend this Privacy Policy at any time. We will notify you of any changes to this Privacy Policy by posting the updated Privacy Policy to this website or application.
Questions
If you have any questions about this Privacy Policy, please contact us at info@ecaphomeloans.com.
eCap Home Loans is a multi-state mortgage banker that believes in delivering a seamless, stress-free mortgage experience to all of our customers.
NMLS #1403
