Online Privacy Notice

  1. We Respect Your Privacy

Your privacy matters to us and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used. This Online Privacy Notice applies to this EDUCASA website, brought to you by EDUCASA. We encourage you to review this policy to better understand how information we collect is used to provide you with exceptional service.

  1. What We Collect

We collect two types of information through this site: Personal and Non-Personal.

  1. Personal Information

    1. Personal Information Personal information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

    2. We may use Personal Information to:

      1. to respond to your inquiries and fulfill your requests;

      2. to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;

      3. to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;

      4. to personalize your experience on the Site;

      5. for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;

      6. for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;

  2. Non-Personal Information

    1. We also collect Non-Personal information which includes, but is not limited to: your IP address, referral data, the web pages you view while visiting our site and your interactions with those pages.

      1. We use this information to improved our site and better accommodate our visitors.

      2. We utilize "cookies" throughout our site to improve your experience and to help us understand our visitors' needs. A "cookie" is a small text file that contains your anonymous information and is transferred onto your computer where it is stored, and then allows the website administrator to identify your computer and learn about how you use our web site. A "cookie" will not allow a web site to learn any personally identifiable information, like your name or address, which you otherwise would have disclosed. We use cookie information to identify and correct errors on our site and to determine the popularity of pages and to provide you with an excellent resource for mortgage information on the internet.

      3. We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.

      4. California "Do Not Track" Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, EDUCASA websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.

  3. How We Use Your Submitted Information

    1. As a result of submitting your telephone number and your request to receive more information on a loan, you will receive a call from an Affiliate Specialist. You may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry. If, however, after you have submitted your information to us and you no longer wish to be contacted at the phone numbers provided, you may instruct us to place you on our internal "do not call" list by calling us at 1-800-***-****.

    2. You may choose what information to provide us. You may choose to withhold certain information, but this may affect your ability to use certain features of our website. We encourage consumers to disclose all pertinent information so we can provide a high level of customer service and offer the best products for you.

    3. Federal and state laws require us to maintain certain loan qualification forms for set periods of time. In order to comply, we may be unable to delete certain information from our systems once you supply it to us. We make significant efforts to protect this information.

    4. EDUCASA may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email info@educasausa.org with the specific request.

    5. For additional information on how EDUCASA makes use of the Personal Information you submit to us, please see our Consumer Notice.

 

  1. How We Share your Information

    1. We may be required to disclose certain personal information resulting from a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena, court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.

 

  1. Opt-Out Provisions

    1. Once you submit your information to EDUCASA it may not be retracted. You will be contacted by a representative after you submit a request through our site or an affiliate site.

    2. We may disclose any of the personal information that we collect from our customer or former customer to non-affiliated third party entities as permitted by federal and state law.

    3. We comply with all relevant state and federal laws regarding the safeguarding of your personal information. Maintaining the security of your information is a top priority at EDUCASA, so please contact us with any questions or concerns that you have regarding this policy.

    4. WE DO NOT DISCLOSE ANY NON-PUBLIC PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOU TO ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW

    5. We restrict access to your stored non-public personal identifiable information to those employees that need to know this information in order to provide our services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your information against unauthorized access.

  2. Children's Online Privacy Protection Act (COPPA):

    1. This site is intended for individuals age 18 and older. Children under the age of 13 should not use this site, and are expressly prohibited from using our services.

  3. Our Secure System Protects You

    1. To protect your personal information from unauthorized access and use, EDUCASA uses physical, electronic, and procedural safeguards. Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information. As a consumer, you should always safeguard your personal information and protect yourself from potential identify fraud.

  4. General Policy Provisions

    1. The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any changes.

    2. You may receive copies of this privacy policy as well as the terms and conditions by sending an email detailing your request to info@educasausa.org 

 

 

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to apply for a loan or ask a question about our products or services, we will use that personal information to respond to your inquiry.

  • To provide, support, personalize, and develop our Website, products, and services.

  • To create, maintain, customize, and secure your account with us.

  • To process your requests, purchases, transactions, and payments and prevent transactional fraud.

  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.

  • To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).

  • To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.

  • For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.

  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.

  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our consumers is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose, subject to your right to opt-out of those. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.

We share your personal information with the following categories of third parties:

  • Our affiliated entities.

  • Service providers.

  • Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we and/or third parties provide to you.

 

 

 

Sales of Personal Information

In the preceding twelve (12) months, EDUCASA has not sold personal information.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.

  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

  3. Debug products to identify and repair errors that impair existing intended functionality.

  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.

  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).

  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.

  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.

  8. Comply with a legal obligation.

  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We do not provide these deletion rights for B2B personal information.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which EDUCASA collects and uses your information described below and in our Privacy Policies, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at info@educasausa.org


 

EDUCASA (Last Updated: January 1, 2020)

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Copyright@2020 by Educasa USA, LLC. All Rights Reserved

EDUCASA is a National Home Buying Program and private organization and is not a government agency. EDUCASA is not a lender, has no corporate affiliation with the above preferred lenders and receives no compensation in connection with any mortgage loans.  Only Loan Officers that are EDUCASA Certified Program Specialist with our preferred lenders are eligible to participate in our preferred lender program.  EDUCASA does not sell leads or information and does not collect or store buyer's financial information.  EDUCASA direct Grants are funded by participating Realtor® Partners.  EDUCASA may also provide information on non-exclusive government grant and down payment assistance programs, where available.  Programs vary by state and all grant, down payment assistance and savings amounts are estimates.  You must be represented at closing by am EDUCASA Realtor® Partner to receive the Realtor® rebate portion of the EDUCASA grant.  Realtor® rebates are not available in AK, KS, LA, MS.  Benefits received may be affected by home price, for sale by owner properties (FSBO’s), new construction or other factors.  You must work with an EDUCASA preferred lender to receive additional benefits.