Privacy Policy

EasyMortgageApps Privacy Policy

Last updated: April 23, 2014

Your right to privacy and security is very important to us. EasyMortgageApps, LLC (“EMA”,” “we”, “us”, “our”) treats personal information collected and shared through our site: www.easymortgageapps.com, services and mobile application as private and confidential. We are committed to giving you secure access to our mobile mortgage management services.

Information Collected:

The information collected when signing up for our service is name of company, address, contact name, and contact email address. This information is used to set up your account and to allow one of our agents to contact you to finish the account set up process. Once your account has been set up, you will receive your username and password via email so that you may access your account. The information collected about your device is a customized UDID that we produce ourselves, and operating system type (iOS vs. Android). We collect this information so that we know which version of the application to serve. Information shared through our mobile applications: Some of the information you may submit is personal information, but much of it is not. Personal information is information that identifies a particular person. Examples include your name, phone number, address, and social security number. It is possible to browse our Site or App without actively submitting any personal information.

EMA’s Mortgage Applications (“Applications” or “Apps”) allow you to manage and access your mortgage information, communicate with other mortgage parties, and maintain contacts on your mobile device in accordance with our Master License & Services Agreement. This notice applies to any personally identifiable information or other information that we may collect through our site: www.easymortgageapps.com or Applications.

Automatically Collected Information:

Every time you visit a Site, some information is automatically collected from you. This information may include, but is not limited to, some or all of the following items: your Internet Protocol (IP) address and/or domain; type and version of Internet browser software and operating system you use; date, time, and duration of your Site access; specific pages, buttons, images, videos, links, or forms that you access while visiting the Site; type of device (e.g. iPad, BlackBerry, iPhone, Android); mobile carrier and/or Internet Service Provider; and demographic information concerning the country of origin of your Computer and the language(s) used by it.

Information Collected via Cookies:

Cookies are small text files that are placed on your Computer to distinguish you from other visitors to our Site. The use of cookies is a standard practice among websites to collect or track information about your activities while using the website. We and/or our third party advertising service providers may place cookies or similar files on your hard drive for many of the reasons listed in this Privacy Policy while visiting our Site. Most people do not know that cookies are being placed on their Computers when they visit websites because browsers are typically set to accept cookies. You can choose to have your browser warn you every time a cookie is being sent to you or you can choose not to accept cookies. You can also delete cookies from your Computer at any time. If you refuse cookies, the functionality of our Site may be impacted or become non-functional. Since every browser and Computer is different, you will need to follow your browser’s instructions for disabling or deleting cookies. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. The use of cookies by third parties is not covered by our privacy policy. We do not have access or control over these cookies.

Information Collected via Flash Objects and Other Similar Technology:

In addition to using cookies, we and/or our third party advertising service providers may also use similar technologies to track users interactions with our Site. Some of these technologies include web beacons (transparent graphical images placed on a website), pixels, tags, and Flash objects (also referred to as Local Shared Objects). Please refer to your browser’s instructions to remove cached Sites, history, and images from your Computer. Deleting or disabling cookies will not remove Flash objects or Local Shared Objects. Instead refer to Adobe’s website for more information on how to control or disable these items. Flash cookies are different from browser cookies because of the amount of, type of, and how data is stored. Cookie management tools provided by your browser will not remove Flash cookies. To learn how to manage privacy and storage settings for Flash cookies click here: http://www.macromedia.com/sup-port/documentation/en/flash-player/help/settings_manager.html#117118

Mobile Analytics

We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personal information you submit within the mobile application.

Additional Information on Online Behavioral Advertising:

Some of the advertisements that click-through to our Site and/or may be on our Site contain cookies that allow for the monitoring of your response to these advertisements (sometimes referred to as interest-based advertisements). Our advertisements may also appear on other websites that use the same advertising service providers as us. These advertising service providers may use your browsing history across websites to choose which advertisements to display to you.

If you do not wish to have us and/or our third party advertising service providers know which advertisements and subsequent websites you have viewed, you may opt-out at AboutAds (established by the Digital Advertising Alliance). The Digital Advertising Alliance website contains important information on cookies, behavioral advertising, and what opting out will and will not do and choices you can make regarding interest-based advertisements.

Please note: opting out of behavioral advertising will not stop you from receiving advertisements. You will still see the same number of advertisements as before, but they may not be as relevant to you. If you use other Computers or browsers and want to opt out of interest based advertisements, you will need to repeat this process for each Computer or browser. If you delete your Cookies and want to continue to be opted out of interest based advertisements you will have to repeat this opt-out process.

How we use the personal information shared through our website:

We may use these technologies on our Site to verify your identity, remember personal settings including your preferences, to offer you additional options or enhance your online experience, and to improve our products and services. We may also use them for marketing site personalization, and tracking of online applications and programs and/or track the effectiveness of advertisements for our products and services that we may place on our Site or other linked and/or partner websites. Cookies used for tracking advertising effectiveness do not collect personal information. In order to better serve you, some of these technologies allow us the ability to view your past interactions with our sites and/or online mortgage/banking environment for customer service, troubleshooting, risk analysis and fraud detection, as well as other related purposes.

We Use the Personal Information to:
Location based services:

We may use your current location to determine the closest realtor service to you. This information is only used while determining the realtor closest to you and we do not store this information. Most mobile devices allow you to turn off location services at the device level.

Mobile device contact list:

The contact list on your mobile device will be displayed when you need a cell number or email address to perform a functions on the mobile mortgage management application. We do not store your contacts and we do not have access to that information.

Communication & marketing by post, email, push notifications, or text messages:

By using our services or mobile app, you consent to our use your personal or other information to tell you about products, services and special offers from us or other companies that may interest you. We will do this by post, email, push notification, or text message (SMS). If you later decide that you do not want us to do this, please contact us at legal@easymortgageapps.com or reply with UNSUBSCRIBE or STOP to opt-out..

When you send an e-mail or other electronic communication to us, you are communicating with us electronically and consent to receive reply communications from us or our providers electronically. We may retain the content of the e-mail, electronic communication, your e-mail address, unique identifier (such as Facebook or Twitter user name), and our response in order to better service your needs or for audit, legal, regulatory or other business-related reasons.

Third parties:

Our Site may contain links to third party websites or applications. These links and pointers to third party websites or applications are not part of our Site. Neither EMA nor its affiliates, divisions, or subsidiaries make any representations or warranties regarding these third party websites. We are not responsible for any losses or damages in connection with the information, security, privacy practices, availability, content or accuracy of materials of such third party websites or applications. These third party websites or applications might have Terms of Use or Privacy Policies different from us and third party websites may provide less privacy and/or security than our Site. We encourage you to review the Terms of Use and Privacy Policy of all third party websites before you share any personal information with them.

Your data may be transferred upon change of control but only in accordance with this Policy:

Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization or other change of control. If we sell, merge or transfer any part of our business, or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.

When we may reveal personal information:

We will not share, rent or sell personal information with third parties, other than as disclosed within this privacy policy. We may provide your personal information to companies that provide services to help us with our daily business activities such as processing payments, offering customer support or sending out emails on our behalf. These companies are authorized to use your personal information only as necessary to provide these services to us. We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

Storing personal information:

The majority of personal information shared through our mobile application is not stored on EMA servers. Most personal data shared through our mobile application is stored on the Amazon.com server, through the Amazon S3 Simple Storage Service, and as such is also protected by and subject to the Amazon.com Privacy Notice. If any personal information about consumers or our clients is stored on an EMA server it will be secured in a safe place and no person outside EMA or certain of our service providers can get access to it. Furthermore, all direct EMA employees will be subject to a confidentiality agreement with us, to protect your privacy.

EMA complies with the U.S. – E.U. Safe Harbor framework and the U.S. – Swiss Safe Harbor framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal data from European Union member countries and Switzerland. EMA has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view EMA’s certification, please visit: http://www.export.gov/safeharbor/

Our security practices:

We are committed to providing safe mobile mortgage management services. All use of our mobile application, platform, and transactions through it are protected by Secure Socket Layer (SSL) encryption technology. Encryption protects personal information you send when you transmit information or fill in forms online and on our mobile application. SSL is the leading security protocol for data transfer on the Internet and helps to protect the safety and confidentiality of your online mortgage information. You play a critical role in protecting your information by maintaining up to date Computer security protections and by reviewing your statements promptly. For more information on protecting your electronic information, please visit www.staysafeonline.org. Furthermore, our computers are protected by systems that guard against intruders. Only authorized EMA employees or agents can gain access to information on these computers.

You are responsible for maintaining the confidentiality of your Login ID and Password:

We maintain strict rules to help prevent others from guessing your password. We also recommend that you change your password periodically. Your password must be 6-16 characters in length. You are responsible for maintaining the security of your Login ID and Password. You may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately, but in any event you should change your password immediately via the Service. We are not responsible if someone else accesses your account through information they have obtained from you or through a violation by you of this Privacy and Security Policy or the EMA Master License & Services Agreement.

Customer Testimonials

We post customer testimonials on our web site which may contain personally identifiable information. We do obtain the customer’s consent via email prior to posting the testimonial to post their name along with their testimonial. To request removal of your personal information from our testimonials, contact us at legal@easymortgageapps.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Access to Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, delete inaccuracies, updated or remove it by logging into the application or platform and updating such information or by contacting us at legal@easymortgageapps.com. We will respond to your access request within 30 days. We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at the email address listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Information Related to Data Collected for our Clients

EMA collects information under the direction of its Clients, and has no direct relationship with the individuals whose personal data it processes. If you are a customer of one of our Clients and would no longer like to be contacted by one of our Clients that use our service, please contact the Client that you interact with daily. We may transfer personal information to companies that help us provide our service. Transfers to subsequent third parties are covered by the service agreements with our Clients.

Access and Data Retention of Data Controlled by our Clients

EMA has no direct relationship with the individuals whose personal data it processes. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data should direct his or her query to EMA’s Client (the data controller). If the Client requests EMA to remove the data, we will respond to their request within 30 days. We will retain personal data we process on behalf of our Clients for as long as needed to provide services to our Client. EMA will retain and use this personal information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Right to change this privacy statement

We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Email us at Legal@easymortgageapps.com if you have any questions or concerns about this privacy and security statement.

EasyMortgageApps, LLC 121 Loring Ave Ste 564 Salem, MA 01970

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