Privacy

Privacy Policy

Effective Date: November 1, 2019
Last Updated: October 25, 2019

This Privacy Policy describes how Orchard Home Loans, LLC (“Orchard Home Loans,” “Company,” “we,” or “us”) collects, receives, and shares information about you from our Website, which is consistent with our treatment of personal data that you provide to us offline.

For purposes of this Privacy Policy, the term “Website” refers to the website currently located at orchardhomeloans.com.

This Privacy Policy, together with our Terms of Use and Privacy Notice, govern your use of our Website and our collection and use of your information. We use and share your non-public personal information that we collect from or about you in accordance with our Privacy Notice, which also provides you with choices about how we may share and use such information. Non-public personal information includes information that you provide to Orchard Home Loans when you inquire about whether you may qualify for, apply for, or obtain a mortgage loan from us, whether on our Website or otherwise. Please refer to the Privacy Notice for additional information about our privacy practices.

Types of Information We Collect

Orchard Home Loans collects information from you and about you. Here are some examples of the information we may collect:

  • Contact Information. For example, we may collect your name, mailing address, telephone number, and email address. We may also collect your mobile phone number.
  • Information You Submit. We may collect information when you send us a message through the “Contact Us” page or similar features on our Website. We may also collect any information you provide when using our chat feature.
  • Device Information. For example, we may collect the type of device you use to access our Website. We may also collect your device identifier, IP address, or operating system.
  • Account Information. Certain portions of the Website allow you to create a user account. In connection with that account, we may collect your username and password. We may also collect information about your social media accounts when you interact with us. This includes when you use your social media account to identify yourself on the Website.
  • Financial Information. If you wish to submit a request to determine whether you may qualify for a mortgage loan or apply for a mortgage loan on the Website, we will ask you to provide personal and financial information.
  • Other Information. If you use our Website, we may collect information about your browser type, language preference, referring site, and the date and time of each visitor request. We might look at what site you came from, or what site you visit when you leave us. We may also collect data relating to your location. This may include your exact location.

Please see our Privacy Notice for additional information on the types of information we collect.

How We Collect Your Information

Orchard Home Loans collects your information in different ways. Below are some examples of how we may collect your information on the Website.

  • Directly From You. For example, we may collect your information when you register for an account or submit an inquiry to us. We may also collect your information when you chat with a representative on our Website.
  • Passively. For example, we may collect your information when you visit and navigate our Website on any device. We may also collect information about users over time and across different websites and devices when you use the Website.
  • From Third Parties. We may receive information about you from other sources. For example, this may include receiving information from our business partners, including analytics vendors. This may also include social media or other websites such as Facebook and Google.
  • By Combining Information. For example, we may combine information that we collect offline with information we collect through our Website. We may also combine information we collect about you from the different devices you use to access our Website.

Please see our Privacy Notice for additional information on how we collect your information.

How We Use Your Information

We use your non-public personal information that we collect from or about you in accordance with our Privacy Notice.

Examples of how we may use your information include:

  • To Run and Improve Our Website and Business. We may use your information to make our Website and business better. We may also use your information to provide you with information about our business.
  • To Respond to Your Requests or Questions. This may include responding to your feedback.
  • To Communicate With You. We may communicate with you about your account or our relationship. We may also contact you about this Privacy Policy or our Website Terms of Use.
  • For Marketing Purposes. We may provide you with information about our Company and our business initiatives. For more information about your choices related to these communications received by email and text, see the Opt Out section below.
  • For Security Purposes. This may include protecting our Company, affiliates, and consumers who use our products and services. It may also include protecting this Privacy Policy, and our Terms of Use.
  • Aggregated Statistics. We may collect statistics about the behavior of visitors to our Website. For instance, we may monitor the Website’s most popular blog posts or most frequently viewed information on our Website. We may display this information in aggregated form publicly or provide it to others.
  • As Otherwise Permitted By Law or As We May Notify You. This may include as described in our Privacy Notice.

How We Share Your Information

We share your non-public personal information that we collect from or about you in accordance with our Privacy Notice, which also provides you with choices about how we may share such information.

Orchard discloses your information in the following ways:

  • Internally. We may share your information with our employees and agents.
  • With our Service Providers. We may share your information with third parties who perform services on our behalf. For example, this may include companies that send emails on our behalf or help us run our Website.
  • To Comply with the Law or to Protect Ourselves. We may share your information in response to a subpoena, court order, or other governmental request, or when Orchard Home Loans believes in good faith that disclosure is reasonably necessary to protect the property or rights of Orchard Home Loans, third parties, or the public at large.
  • Business Transfers. If Orchard Home Loans, or substantially all of its assets, were acquired, or in the unlikely event that Orchard Home Loans goes out of business or enters bankruptcy, your information may be one of the assets that is transferred or acquired by a third party.
  • For Other Reasons We May Describe to You and As Permitted by Law. This may include as described in our Privacy Notice.

Please see our Privacy Notice for more information on how we may share information with affiliates and other third parties.

Opt Out

You may direct us not to share your personal data with other third parties, except as permitted by law, as described in our Privacy Notice.

If we send you an advertisement or other promotional communication by email, you may choose to opt-out of receiving unrequested communications by clicking “unsubscribe” of a given communication or by emailing us at contact@orchardhomeloans.com with the subject line “Orchard Home Loans email opt-out notice”. You may revoke your consent to be contacted via phone by emailing us at contact@orchardhomeloans.com with the subject line “Orchard Home Loans phone opt-out notice” or by replying STOP to a text notification.

Children and Privacy

This website is not intended for use by children. If you are under the age of 18, you may use this website only with the involvement of a parent or guardian. If we discover that we have collected any personally identifiable information from a child under the age of 18, we will remove that information from our database as soon as possible. If you are a parent or guardian and believe that we may have inadvertently collected personal information from your child, please notify us immediately by sending an email to contact@orchardhomeloans.com with the subject line “Orchard Home Loans Children and Privacy inquiry.”

Security

We are concerned about safeguarding the confidentiality of your information. We provide physical, administrative, and technical safeguards to protect the information we collect and maintain. We specifically take all measures reasonably necessary to protect against the unauthorized access, use, alteration, or destruction of potentially personally-identifying and personally-identifying information. However, no method of Internet use, transmission over the Internet or other electronic transmissions, or method of electronic storage, is completely secure. Therefore, we cannot and do not guarantee (1) that these measures will prevent every unauthorized attempt to access, use, or disclose your information or (2) the absolute security of your personal information. We encourage you to use caution when using the Internet.

A username and a password are needed to access certain areas of the Website. It is your responsibility to protect your username and password.

Your California Privacy Rights

If you reside in California, you have the right to ask us one time each year if we have shared personal information with third parties for their direct marketing purposes. To make a request, please send us an email at contact@orchardhomeloans.com. Indicate in your email that you are a California resident making a “California Shine the Light” inquiry.

Links to Third Party Sites

Our Website may contain links to third party websites and services, including those of our affiliated and nonaffiliated business partners and advertisers. Please remember that when you use a link to go from the Website to another website, this Privacy Policy does not apply to third-party websites or services. This Privacy Policy applies to Orchard Home Loans’s Website only. Please visit those sites to review their privacy policies. The inclusion of a link on this Website does not imply and is not an endorsement of the linked site by us or any of our affiliates.

How to Contact Us

If you have any questions about this Privacy Policy, the Website, or our services, please contact us at contact@orchardhomeloans.com.

Privacy Policy Changes

This Privacy Policy may be updated from time to time for any reason. We will notify you of any changes to this Privacy Policy by posting the new Privacy Policy with a new “Last Updated” date on this webpage: Privacy Policy. Any changes to this Privacy Policy will become effective when posted unless indicated otherwise. Please consult this Privacy Policy regularly for any changes.