PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND ANY PAGES THEREIN, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEBSITE, OR ANY PAGES THEREIN.
We follow the strictest privacy guidelines to ensure that the information you provide to us remains confidential at all times. We take extreme precautions to ensure the safety of your personal information and data.
Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products – and we collect most of this information from consumers through our call center, website, or as part of our application process. Occasionally we gather additional necessary information from public records, credit repositories, or approved business affiliates and partners.
We retain all information in-house except when required to share it with our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners. ELEVATE does not sell or share customer information to unaffiliated parties.
The security of your personal information is our first priority at ELEVATE. We have taken extraordinary measures to make sure that only authorized people see the information you send to us.
Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our website is “hacked”, your data will still remain securely out of reach.
ELEVATE reserves the right to change, modify, add or remove portions of this Privacy Statement at any time, but will alert you that changes have been made by indicating on the Privacy Statement the date it was last updated.
California Privacy Notice
ELEVATE conducts all lending activities in a manner consistent with federal and state fair lending laws. We treat all existing and prospective customers fairly and consistently throughout the loan lifecycle, without regard to any characteristic or basis prohibited by law.
Federal fair lending laws include the Fair Housing Act and the Equal Credit Opportunity Act. Other laws and regulations, including those at the state or local level, contain additional prohibited bases, including, for example, military and veteran status or sexual orientation.
Fair Housing Act
The Fair Housing Act (“FH Act”) is part of the Civil Rights Act of 1968. The FH Act expressly prohibits discrimination in every aspect of a residential real estate-related transaction, including the following:
- Making loans to buy, build or repair a dwelling
- Purchasing real estate loans
- Selling, brokering or appraising residential real estate
- Selling or renting a dwelling
The FH Act prohibits discrimination based on any of the factors listed below:
- Race or color
- National origin
- Familial status (which prohibits discrimination against households having children under the age of 18 living with a parent or legal custodian, pregnant women or individuals with legal custody of children under 18).
Two additional factors are expressly prohibited when dealing with loans insured by the Federal Housing Administration (the “FHA”) and the properties providing security interests, therefore. In 2012, the U.S. Department of Housing and Urban Development issued a rule that prohibits FHA-approved lenders from basing eligibility determinations for FHA-insured loans on actual or perceived sexual orientation or gender identity.
Equal Credit Opportunity Act
The Equal Credit Opportunity Act and its implementing Regulation B (together, “ECOA”) prohibits discrimination in any aspect of a credit transaction against any applicant based on any of the following factors:
- Race or color
- National origin
- Marital status
- Age (provided the applicant is old enough and has the capacity to enter into a contract)
- Receipt of income from any public assistance program
- An exercise in good faith of a right under the federal Consumer Credit Protection Act or state law counterpart.
As a residential mortgage lender, ELEVATE is subject to both the FH Act and ECOA.
Other laws and regulations, including those at the state or local level, contain additional prohibited bases, including, for example, military and veteran status or sexual orientation. An example is set forth below.
ELEVATE is an equal housing lender. Interest Rates are subject to change. Interest rates are also subject to credit, income and property approval based on market guidelines. Other rates and terms are available. Contact us for details. Consult your accountant about tax deductions.
COPYRIGHT AND TRADEMARKS
All content used on this site is property of ELEVATE. Any use of text, graphics, logos, icons, buttons, and software that is not for the exclusive objective of obtaining a mortgage loan from ELEVATE is strictly prohibited.
All marketing materials online and offline are trademarks exhibited by ELEVATE, including but not limited to the use of graphics, logos, images, and text; cannot be used in association or a relationship in connection with any other products or services except those presented by ELEVATE.
In addition to the information you provide, ELEVATE may also collect information during your visit to our website through our online tracking technologies, which include Web beacons, cookies, embedded Web links, and other information-gathering tools such ashttp://www.ibm.com/software/marketing-solutions/privacy/index.html
These tools collect certain traffic information that your browser sends to a website, such as your browser type and language, access times, and the address of the website from which you arrived. They may also collect information about your Internet Protocol (IP) address, clickstream behavior (i.e. the pages you view, the links you click, and other actions you take in connection with HP websites or “powered by” websites) and product information.
When you browse or visit one of our websites, we may store certain information on your computer, in the form of a small text file or “cookie”, and can help us to tailor our web site to your individual preferences and save you time if you visit the site again. Where specific programs associated with our website require a user ID and password, you have the option of requesting that we save your user ID and password so that you will not have to re-enter that information the next time you access the website. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. However, if you set your browser options to disallow cookies, you may limit the functionality of our site.
ELEVATE uses remarketing with Google Analytics, Google Display Network Impression Reporting, and Google Analytics Demographics and Interests Reporting to advertise online. Websites and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to a website. The ELEVATE website also uses third-party vendors, including Google and third-party cookies (such as the DoubleClick cookie) together to report how your ad impressions, other uses of ad services, and interactions with these ads.
This information allows us to measure site activity and to create ideas for improving our sites which may include the time and length of your visit, viewed web pages, previously visited websites, your internet service.
ELEVATE has enabled portal technology on its Websites. To enable the use of the technology and personalize the site for your use, you will be required to register as a user with ELEVATE. ELEVATE will issue a user name and password to you. The user name and password belong to ELEVATE and may be revoked or canceled by ELEVATE at any time and without prior notice. You are responsible for maintaining the confidentiality of the user name and password. You are responsible for all activities that occur under your assigned user name and password.
This Website and the portal may be used solely for conducting business with ELEVATE such as paying your loan or viewing your account information, submitting applications and registering loans with ELEVATE and other related services provided by ELEVATE. ELEVATE prohibits the use of your user name and password and the use of its site for any other purpose.
Once you have a user name and password, portal technology enables you to customize the Web site for your use. You may have the ability to include Web links on your portal that will only be available to view under your user name. Many Websites strictly limit the use of Web links without authorization. By including a Web link on the ELEVATE portal, you represent and warrant that you have permission or authority from the third-party Website owner to create a Web link on ELEVATE site to the linked Web site.