Privacy & Disclosures

Confidentiality is a Prerequisite

Educational Employees Credit Union is wired for fast interoffice communication. Our in-house financial professionals and a staff of full-time technical experts keep Educational Employees Credit Union on the cutting edge while preserving client privacy. Confidentiality is a prerequisite for every technological advance we make. This technical infrastructure allows us to live up to our commitment of providing diversified funding options and consistent, superior, personalized service to our clients and partners.

Our Guide to Protecting Your Privacy

The purpose of this section is to explain how Educational Employees Credit Union protects and how we use your personal information when and after you obtain a home loan from us. We want you to know that information given to us is safe, secure and used in a responsible manner. Your privacy is a priority to all of us at Educational Employees Credit Union.

We use advanced data-encryption and storage technology to protect your sensitive personal information. In addition, we utilize the secure certificates. We have implemented extensive administrative, technical and physical safeguards and quality controls. These include:

• Setting policies and procedures for carefully handling your information.
• Limiting physical access to central facilities through the use of security systems.
• Requiring third-party business partners that do business with Educational Employees Credit Union to contractually agree to comply with privacy laws.
• Auditing company security practices.

Clearly stated policies in our employee handbook and thorough on-the-job training in confidentiality and customer privacy ensure that our employees are committed to keeping your personal information safe and secure.

You Are Protected While On The Internet

Educational Employees Credit Union has designed many features of our websites to let you anonymously explore home loan options and other helpful functions, without revealing your identity. The only information we collect are from “cookies,” which provide limited data, such as the date, time and areas of our websites that were visited. This general information enables us to serve you better by continually improving our websites and making them more convenient. Only when you’re ready for one of our products or services do we ask for identifying information, so that we can quickly process your request.

When you are asked to enter any personal information on a Educational Employees Credit Union website, our systems automatically switch to a secure mode. The following security features are used to safeguard your privacy:

• Sophisticated, industry-leading encryption and authentication technologies.
• Website design that blocks or limits online display of customer information when not necessary to you or the transaction.
• IDs and passwords to protect sensitive information.

Information We Gather

In order to originate, close and provide servicing for your loan(s), comply with the required government regulations and improve our products and services, we collect and maintain a range of customer information, which includes non-public information. This information may include:

• From applications: Supporting documents and other data (such as your phone, Social Security and account numbers, assets, income and employment history).
• Transactions: Such as your loan balance, payment history and other account information.
• Credit Report: From a credit reporting agency (such as your credit worthiness and credit history).
• Other Third Party Business Partners, Vendors and Service companies: Such as a property appraisal, purchase contract or membership number.

We are periodically required to disclose some of this data to third parties, such as credit reporting agencies, federal and state regulators and loan investors, in order to do business with you. We may also share all of this information with companies that perform services on our behalf (such as the vendor who performs our quality control or compliance reports). These business partners contractually agree to keep the information confidential and not use it for any other purpose.

Unless you opt out, we may periodically share your non-public personal information with affiliates of Educational Employees Credit Union in order to offer you other valuable services. These affiliates will take proper steps to fully safeguard your personal information in accordance with Educational Employees Credit Union’s privacy policy and state and federal law.

Disclosures

Terms & Conditions

This web site is offered to the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the web site constitutes your agreement to all terms, conditions, and notices.

This web site is controlled and operated by Land Home Financial Services, Inc, a California Corporation, and is designed to support the financial services provided to regulated financial institutions and their customers. By accessing this site, you are agreeing to be bound by the Site Terms of Use, all applicable laws and regulations. If you do not agree with any of these terms, do not use this site. Any claim relating to this site shall be governed by the laws of the State of California without regard to its conflict of law provisions. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the agreement shall continue in effect.

The materials contained in this site are protected by applicable copyright and trademark law: Copyright © Land Home Financial Services, Inc. and/or its subsidiaries, 1355 Willow Way, Suite 250, Concord, CA 94520 U.S.A. All rights reserved.

Liability Disclaimer

THE MATERIALS IN THIS INTERNET SITE ARE PROVIDED “AS IS.” CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. LAND HOME FINANCIAL SERVICES, INC AND SUPPORTED FINANCIAL INSTITUTIONS MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND DISCLAIMS AND NEGATES ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. FURTHER, LAND HOME FINANCIAL SERVICES, INC AND SUPPORTED FINANCIAL INSTITUTIONS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS ON ITS INTERNET SITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE.

Limitations

IN NO EVENT SHALL LAND HOME FINANCIAL SERVICES, INC AND SUPPORTED FINANCIAL INSTITUTIONS OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION,) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS LAND HOME FINANCIAL SERVICES, INC AND SUPPORTED FINANCIAL INSTITUTIONS OR A LAND HOME FINANCIAL SERVICES, INC OR SUPPORTED FINANCIAL INSTITUTIONS AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.

Site Terms of Use Modifications

Land Home Financial Services, Inc may revise these terms of use for its Internet sites at any time without notice. By using this site you are agreeing to be bound by the then current version of these Terms of Use.

Revisions and Errata

The materials appearing Land Home Financial Services, Inc’s Internet sites could include technical, typographical, or photographic errors. Land Home Financial Services, Inc does not warrant that any of the materials on its Internet site are accurate or complete. Land Home Financial Services, Inc may make changes to the materials contained on its site at any time without notice. Land Home Financial Services, Inc does not, however, make any commitment to update the materials.

No Professional Advice

The information appearing in this web site and in e-mail alerts is intended solely as general guidance on the guidance of mortgage rates, home purchasing and financing process, and does not constitute legal, tax, accounting or other professional advice. Real estate contracts, closing procedures and disclosures are, in part, guided by state law. Individual situations and state laws vary and users are encouraged to obtain appropriate advice from qualified professionals in the applicable jurisdictions.

Links and Logos

Land Home Financial Services, Inc has not reviewed all of the sites linked to its Internet site and is not responsible for the contents of any such linked sites. The inclusion of any link does not imply endorsement by Land Home Financial Services, Inc of the site. Use of any such linked site is at the user’s own risk. Land Home Financial Services, Inc encourages links to its Internet site. Any link to Land Home Financial Services, Inc’s Internet sites from a different site must conform to the following rules:

1. Unless Land Home Financial Services, Inc provides you with prior authorization in writing, any link to this site must use logos, which are protected by trademark law. Land Home Financial Services, Inc grants you a limited license to use these logos, but does not transfer title in these logos to you.
2. You may not use the logos to imply sponsorship or endorsement of your web site without receiving the prior written permission of Land Home Financial Services, Inc
3. Land Home Financial Services, Inc may, in its sole discretion, terminate your right to use its logos at any time. Land Home Financial Services, Inc may take action against any use of the logos that does not conform to these policies or that infringes any right held by Land Home Financial Services, Inc, and will actively seek the recovery of any costs it may incur preventing any such misuse or damages that may result from such misuse.

Copyright

All materials appearing anywhere in this site are protected by worldwide copyright laws and treaty provisions. The copyright on such materials is held by Land Home Financial Services, Inc None of the materials may be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any form or by any means without Land Home Financial Services, Inc’s prior written permission. All rights not expressly granted herein are reserved. Any unauthorized use of the materials appearing in this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

Trademark

The trademarks, service marks, logos and graphics (the “Trademarks”) appearing on Land Home Financial Services, Inc’s Internet sites are the registered and unregistered Trademarks of Land Home Financial Services, Inc. Specifically, Microsoft, Windows, Windows NT and the Windows logos are registered trademarks of Microsoft Corporation. Other product names used in this publication are for identification purposes only and may be trademarks of their respective companies. No license or right is granted by implication, Estoppel or any other means to use any Trademark appearing on Land Home Financial Services, Inc’s Internet sites.

All rights not expressly granted herein are reserved.

Federal Disclosures

Land Home Financial Services, Inc and Supported Financial Institutions will make certain disclosures to you when your completed loan application is submitted. These disclosures (required by the Truth-in-Lending Act and Real Estate Settlement Procedures Act) include:

• Credit Cost Disclosures
• Loan Estimate of Settlement Costs.
• The CFPB Loan Toolkit
• Disclosures about the possibility that your mortgage loan servicing may be transferred. (This explains the possibility that your loan could be sold by your original lender to another lender.)
• ECOA – Fair Housing Notice

State Disclosures

Land Home Financial Services, Inc is licensed to provide Supported Financial Institutions with home lending origination support as identified on our Licenses Page.

Acknowledgment

By submitting a loan application and authorizing Land Home Financial Services, Inc and/or a Supported Financial Institution to proceed with the appraisal and/or credit report, you will be deemed to have read, acknowledged, agreed to, and signed a copy of this disclosure. Should you decide to apply for a loan application using Land Home Financial Services, Inc, or a Supported Financial Institution you authorize the release of all information required by Land Home Financial Services, Inc and the Supported Financial Instituion concerning the disposition and status of your loan application.

Please print and keep a copy of these disclosures for your records.