eBuilt Home Loans is a privately held mortgage brokerage. We only exist to serve you and help you achieve financial well-being. For you to allow eBuilt to serve you, we must earn your confidence and trust. As you should expect, the privacy of your personal financial information is extremely important to us. We take significant steps to protect your privacy so we can maintain your trust – and, it’s the right thing to do. The information below explains our policies for using and protecting the personal financial information you entrust to us.
Again, we take our customer’s privacy very seriously. We do not however, have control of the privacy practices of other institutions or web sites. We strongly advise you to review the privacy policies of any other institution or web site you visit including those you’ve heard about through us.
eBuilt Home Loans has a fiduciary responsibility to protect your information. The use and reporting of credit information is regulated under the Fair Credit Reporting Act. eBuilt follows the letter and the spirit of these regulations. As a financial institution, we may be required by law or regulation to disclose personal financial information to government agencies, law enforcement, or the courts. There are instances when we may be ordered by a court of law to provide certain account information. This is usually the result of a court proceeding that you have been involved with and are therefore aware of.
We do not and will not sell mailing lists or the financial information of our members. All information we must share with third-party service providers is protected. In the course of providing and administering the products and services you use, we do share some information with our service providers. All of our information sharing is protected by contractual non-disclosure agreements that address the confidential nature of all of our member information. They require strict measures to protect the privacy of that information. In addition, ALL of these contractual provisions are specifically worded to survive the termination of every contract. This means that we have protected your information both now and at any future point in time.
By using the services of reputable companies, we can provide you state-of-the-art products and services we would not be able to provide you on our own. In all cases where we use third-party service providers to help us serve you, contract provisions and our due diligence protect the privacy of all member information shared. Generally, we share your nonpublic personal information with nonaffiliated third parties to complete transactions or maintain accounts and related records. We limit the information shared to only what is absolutely necessary to provide the service to you. eBuilt Home Loans enters into arrangements only with businesses we believe provide a quality product or service and who follow strict confidentiality requirements to assure they are legally bound to safeguard any information that is shared with them.
You may have seen or heard the term opt-out in articles or on the news in relation to privacy laws. An opt-out method is required to be provided by any institution sharing customer or member information in a manner that is not allowed for within the privacy laws. The opt-out effectively removes that customer information from sharing processes. eBuilt Home Loans currently only shares information as is allowed in the privacy laws. We NEVER sell our customer information and only share it within the context of providing services to you. Our confidentiality agreements include provisions preventing any third-party we deal with from contacting you in any manner outside of the terms of the agreement. Therefore, eBuilt does not currently provide an opt-out option. We do not intend to alter our current practices but rest assured that if we do, we will provide an opt-out method and make sure you that are given notice and more than adequate time to respond.
When you apply for a product or service, you provide personal information necessary for us to process your application. In order to fulfill your requests and continue to maintain your membership effectively, we retain and may share information we learn about you from the following sources: information we receive from you on applications (paper and on-line) or other forms such as your name, address, Social Security Number; information about your transactions with us such as your payment history and credit card usage; information we receive from consumer reporting agencies such as credit history.