This is not a commitment to lend. Rates are
subject to change without notice and depend
in part on your unique credit history and transaction
characteristics. Learn more about assumptions
and APR Information. Loan pricing may only
be locked through a home mortgage consultant
to be effective.
You take your privacy seriously and so does
Emery Fed. We are a company committed to protecting
the personal information and privacy of our
customers. This statement is one way of sustaining
your trust in our company, our products and
Privacy (Website Visitors)
Our Online Privacy Statement describes how
we collect, protect and use information about
you either during your visit to our web site
or when you are an Emery Fed Mortgage customer.
Information We Collect About You during Your
Website Visitors / Registered Users
When you browse our site as a visitor, we may
collect and store information about your
online visit. Information collected about
registered users is used and shared in accordance
with our customer privacy notice and practices.
This information may include the time and
length of your visit, the pages you view
on our site, the last site you visited before
coming to ours, and the name of your internet
We use this data on an aggregate basis to
measure site activity, and on an individual
basis to make the site more useful and provide
information that may be of interest to you.
Information Collection and Sharing Practices
for Existing Customers
Existing Customer/Registered Users
we collect and how it may be disclosed is contained
in our Privacy Notice, which includes additional
information regarding your privacy choices. Briefly,
we collect information about you for example,
We also collect personal information from
you or others, such as credit bureaus, affiliates,
employers, or others.
What We Share
We may share personal information that includes,
but is not limited to your:
- name, address, and other account application
- account balances, transactions,
and payment history
- creditworthiness including
credit history and credit score.
With Whom We Share
We disclose some of the information we collect
about you to third parties such as credit
reporting agencies, regulators and loan investors.
These types of third parties are called non-affiliated
We may also share some of this information
with companies performing services on our behalf
such as the vendors. These types of vendors
are called service providers.
We may share information we collect about
you with companies with whom we have formal
agreements to offer you financial products
and services. These types of relationships
are called joint marketing partnerships.
Customer Information Sharing Choices/Opt Out
Federal law requires us to tell you how we
collect, share, and protect personal information
about our customers. While Federal law allows
us to share information about you to run
our business, to perform services and offer
our products, Federal law also gives you
the right to limit some, but not all, sharing
of your personal information.
Specifically, Federal law allows you to opt
out/restrict us from sharing information as
- About your credit worthiness with our affiliates;
- To non-affiliates to offer you their
products and services
- Creditworthiness including
credit history and credit score.
State laws may give you additional rights regarding
our information sharing limitations.
We share personal information about you as
permitted by the law of the state in which
you reside and in accordance with federal law.
Customer Data Protection
We are a company committed to securing personal
information and protecting the privacy of
our customers. We use security measures that
comply with federal law including assessing
risk and using reasonable controls to protect
Our company culture is to treat customer information
the way we would want our own information treated.
We train employees on handling and securing
customer data to maintain a culture of protection
and security. It is the responsibility of every
associate, affiliate, and nonaffiliate to care
for personal information about our customers.
Identity Theft / Fraudulent Activities
Identity Theft occurs when someone uses sensitive
information, called Personally Identifiable
Information (or PII) of another person without
their permission to commit fraud or other crimes,
such as Account Takeover or Application Fraud.
[Account Takeover has occurred when an individual
acquires another person's existing credit account
information and purchases products and services
at the victim's expense. Application Fraud
has occurred when an individual uses another's
Social Security Number or other Personally
Identifiable Information to open new credit
accounts in the victim's name.]
If you believe you are a victim of Identity
Theft, contact the three major credit bureaus
to place a fraud alert message on your credit
file. When you place a fraud alert on your
file, the credit reporting agencies will send
you a copy of your credit report at no charge.
- Experian (1-888-397-3742)
- Equifax (1-800-525-6285)
- TransUnion (1-800-680-7289)
Carefully review your credit reports for:
accounts you did not open, inquiries from creditors
you did not initiate, and for personal information
(such as home address and social security number)
that is not accurate. If you see anything you
do not understand or any accounts you did not
open, call the credit reporting agency at the
telephone number on the report.
If you decide not to place a fraud alert on
your credit file, you can still obtain free
copies of your credit report by going to the
following Annual Credit Report website (www.annualcreditreport.com)
or by calling them toll-free at 1-877-322-8228.
(Hearing impaired consumers can access their
TDD service at
To learn more about identity theft, visit
the Federal Trade Commission's web site to
receive further information and insights about
how to protect your identity from identity
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse,
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC