This notice describes the online privacy practices of ESCO Financial Group, Inc. dba ESCO Mortgage Advisors and its subsidiaries (“No Subsidiaries at Current Time”) and applies to anyone who visits our websites. It explains how we may collect information from you online when you visit an ESCO Mortgage Advisors website and how we protect and use that information.
The information that you provide to ESCO Mortgage Advisors (or that we otherwise receive) when you apply for or receive a product or service used primarily for personal, family or household purposes is governed by the ESCO Mortgage Advisors Consumer Privacy Notice .
When you use our website, ESCO Mortgage Advisors collects information in several ways:
• If you use online banking services, we collect and use information as described in the ESCO Mortgage Advisors Consumer Privacy Notice.
• ESCO Mortgage Advisors collects and uses your IP address to help diagnose problems with its servers and to administer the website. An IP address is like a telephone number for a computer on the Internet. Just as one can locate a phone number in the telephone book, computers can locate an IP address using a Domain Name Service Server. ESCO Mortgage Advisors uses your IP address and information transmitted from your computer to help identify your computer and browser as you move throughout the ESCO Mortgage Advisors website, and to gather general information such as where your Internet Service Provider is located or the type of service that you have. In many cases, this allows ESCO Mortgage Advisors to present a convenient, more customized website to you.
• ESCO Mortgage Advisors also collects information that you provide to us through your use of the website and its features (including live chat or video sessions) to provide client support and to respond to your inquiries.
Protecting your information is important to ESCO Mortgage Advisors. We’ve instituted policies, procedures, employee training and communication programs designed for the purpose of protecting your information. Some examples of how ESCO Mortgage Advisors protects your information include the following safeguards that ESCO Mortgage Advisors applies to nonpublic personal information (NPI), as that term is defined and regulated under the Gramm-Leach-Bliley Act (15 U.S.C. § 6809(4)):
• Restricting access to NPI to only those persons with a business need to know the information in order to process or service client account(s).
• Contractually requiring third parties doing business with ESCO Mortgage Advisors to comply with all applicable privacy and security laws.
• Maintaining physical, electronic, and procedural safeguards that comply with applicable federal and state standards to safeguard NPI.
By using our online services, you acknowledge and agree that you will not, under any circumstances, disclose your ESCO Mortgage Advisors Online Financial Center password by telephone or any other means to any person, including any person claiming to represent us. Of course, you may supply a security code to an ESCO Mortgage Advisors representative if you have initiated the call to a number supplied by ESCO Mortgage Advisors. No person from the ESCO Mortgage Advisors family of companies will ever ask you for your Online Financial Center password. You are responsible for all transactions made or authorized using your username and password. You agree that if you give your username or password to anyone or fail to safeguard their secrecy, you do so at your own risk.
We may share information that we collect online and with trusted third parties according to the terms described in our Consumer Privacy Notice, including for purposes of providing client support and responding to your inquiries (including through the use of chat or video-based technologies). Third party service providers with whom we share personally identifiable information are contractually obligated to keep the information confidential and to use the information only to provide the services we have asked them to perform.
For a description of how ESCO Mortgage Advisors may share information collected from consumers who have applied for or obtained a consumer product or service from us, please refer to our Consumer Privacy Notice.
We will release specific information about you if we are compelled to do so to comply with valid legal processes such as a search warrant, subpoena or court order, or a valid administrative request from a law enforcement agency, or in the situation where we, in good faith, believe such information is necessary to prevent harm to you or others or to protect ESCO Mortgage Advisors’ interests in a dispute with you. As with any business, it is possible that as our business develops, we might sell or buy online businesses or other assets. In such transactions, information about clients often is among the transferred assets. Accordingly, in the event that ESCO Mortgage Advisors or any of its assets is acquired by a third party, such information may be one of the transferred assets.
The ESCO Mortgage Advisors website may make chat rooms, forums, message boards, and/or news groups available to its users. Please remember that any information disclosed in these areas becomes public information and you should not disclose your personal information. ESCO Mortgage Advisors is not responsible for content posted by third parties to public forums. ESCO Mortgage Advisors reserves the right to discontinue offering public forums at any time and for any reason.
Encrypted email not only provides authentication but also protects your privacy. Encryption software “scrambles” the message so that only the intended recipient can read the message. Encrypted email often supports a digital signature within the same process. When combined, encryption and a digital signature allows you to obtain both authentication and privacy. ESCO Mortgage Advisors encourages and supports the use of encrypted messages for communication with ESCO Mortgage Advisors. ESCO Mortgage Advisors account holders have access from within the ESCO Mortgage Advisors Online Borrower Portal to an encrypted, secure web-based email system. That system will allow you to communicate via a secured channel with ESCO Mortgage Advisors Client Transactions Specialists and their Mortgage Advisor.
ESCO Mortgage Advisors maintains client authentication procedures to protect your personal information and account from identity theft. These procedures are for your protection. If you suspect a website is “spoofing” or pretending to be an ESCO Mortgage Advisors website, do not enter personal information but instead please contact us using the “Contact Us” function on this site, or send an email to firstname.lastname@example.org.
From time to time, ESCO Mortgage Advisors’ website may use online surveys or run contests that ask you for contact information (such as your email address) and demographic information (e.g., zip code, age or income level). ESCO Mortgage Advisors uses this contact and demographic data to send you information about ESCO Mortgage Advisors and promotional material from certain partners. To request that we not send you information about ESCO Mortgage Advisors and other promotional materials, see the “How to Refuse Communications” subsection below.
Demographic and profile data is also collected at ESCO Mortgage Advisors’ website. ESCO Mortgage Advisors uses this data to tailor its visitor website experience, providing you content which ESCO Mortgage Advisors believes may be of interest to you, and to display content based on your preferences.
The ESCO Mortgage Advisors website may contain links to other websites. ESCO Mortgage Advisors is not responsible for the privacy practices or the content of non- ESCO Mortgage Advisors websites. Please review the privacy statement found on each of these sites when linking through.
ESCO Mortgage Advisors’ website provides you with the opportunity to opt out of receiving communications from ESCO Mortgage Advisors and its partners. If you do not wish to receive future communications, or you no longer wish to receive ESCO Mortgage Advisors’ services, you may request that ESCO Mortgage Advisors remove your information from its database.
You can refer to the ESCO Mortgage Advisors Consumer Privacy Notice for more information on your right to request that we not share certain aspects of your information. Please contact 855.940.HOME or email@example.com with any questions, concerns, or to exercise your right to request that we not share certain aspects of your information.
If you would like more information about ESCO Mortgage Advisors privacy practices, or would like to report anything that you consider unusual or inappropriate, please contact us at 855.940.HOME, or send an email to firstname.lastname@example.org.
ESCO Mortgage Advisors encourages protection of children’s information on the internet. We will not intentionally collect personal information from children under 13 on our website without first obtaining consent from their parents or legal guardians. For more information about the Children’s Online Privacy Protection Act (COPPA) please refer to the Federal Trade Commission’s website.
This notice describes our current online privacy practices. ESCO Mortgage Advisors may change its online privacy practices in the future, and we may revise this notice to reflect material changes. If we do change our policy, we will note those changes on our website. A message will be displayed on our homepage for a period of time that a change has been made. We may also send an email describing the changes. Your continued use of the website following the posting of changes to these terms will mean that you accept those changes.