Privacy Policy

Terms of Use

At Encompass Lending Group we recognize that privacy is important. This policy applies to all of the services we offer, as well as those offered by our subsidiaries or affiliated companies, if any.

If you have any questions about this Policy, please contact us through our website www.encompasslending.com

Information we collect and how we use it:

In order to provide our full range of services, we may collect the following types of information:

  • Information you provide – When you engage us to provide lending services, we will ask you for personal information (such as your name and email address). If you decide to apply for a mortgage through Encompass Lending Group, we will also request certain personal information (such as your SS# or birth date and account information) which we maintain in encrypted form on secure servers. We may combine the information submitted under various forms and services in order to provide customers with a better experience and to improve the quality of our services. For certain services, we may give customers the opportunity to opt out of combining such information.
  • Cookies – When you visit our website, we send one or more cookies – a small file containing a string of characters – to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.
  • Customer communications – When you send email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.
  • Other sites – This Privacy Policy applies to how we handle your information on our website. We do not exercise control over the sites that are displayed in other browser windows opened by links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you.

Encompass Lending Group only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

  • Providing our lending services to users
  • Auditing, research and analysis in order to maintain, protect and improve our services;
  • Ensuring the technical functioning of our network; and
  • Developing new services.

Choices for personal information

When you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.

If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, you may “opt-out” – or say no to – having your information shared by calling 888.963.3565 or contacting us through our contact page . We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent.

If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.

Information sharing

Encompass Lending Group only shares personal information with other companies or individuals outside of Encompass Lending Group in the following limited circumstances:

  • We have your consent. We require opt-in consent for the sharing of any sensitive personal information.
  • We provide such information to our subsidiaries, affiliated companies , as permitted by law, or other trusted businesses or persons whose services are necessary to get your loan approved and closed (such as other lenders, appraisal companies, credit agencies and title and escrow companies
  • We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of Encompass Lending Group, its users or the public as required or permitted by law.

If Encompass Lending Group becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

We may share with third parties certain pieces of non-personal information, such as the number of users who searched for a particular term, for example. Such information does not identify you.

Please contact us at the address below for any additional questions about the management or use of personal data.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

We restrict access to personal information to our employees, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

Data integrity

We process personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

Changes to Our Privacy Policy

If we make changes to our privacy policy, we will post them to this Privacy Policy section of this website. If you have any questions about this Policy, please feel free to contact us through our website’s contact page

We’ve established the foregoing “terms of use” to explain the conditions of your use of this website (the “Site”), including how you may and may not use the information provided on our Site, and our intent in providing such information to you. Essentially, these terms are intended to help maximize the information provided on our Site for your benefit. By accessing any areas of www.encompasslending.com you agree to be bound by the terms set forth below. If you disagree with these terms, please do not use this Site.

We are Information and Access Providers.

We do not purport to offer you lending advice on this Site. We do provide informational services, as well as an access point to obtain a home loan, but these services do not constitute legal or professional advice and are not intended to be relied upon by you as such. Accordingly, we assume no responsibility for any consequences to you relating directly or indirectly to your use of this Site. We aim to provide you with cutting edge, accurate information which we believe will help you navigate the lending process. Know, however, that the lending industry is constantly evolving and we therefore do not guarantee the accuracy, completeness or timeliness of the information contained on our Site. If you notice any typographical errors or technical inaccuracies, we invite you to alert us to them, but we do not assume responsibility for such errors. Finally, we are constantly seeking fresh ideas to improve our services. In that spirit, we reserve the right to make changes, corrections and any other improvements to the information contained within this Site at any time, without notice.

Our Intellectual Property is for Your Noncommercial Use.

Our intellectually property is provided for your information, so we want you to feel free to access our Site, download, save and/or print any information you need. However, just as you protect your property from theft and inappropriate use, we need to protect our intellectual property from similar harm. All of the materials on this Site, including the organization and layout of this Site and all graphics and logos are owned and copyrighted by Encompass Lending Group. You may access, download and print materials from this Site for your personal, noncommercial use, but understand that by doing so you do not obtain any rights, interest or title to the materials you read, print, or download. You cannot copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, link to or frame in another website or use on any other website, or transfer or sell any information obtained from this Site, without written permission from Encompass Lending Group. Note that all information on our Site is designed and intended for “human consumption” and not machine interpretation. Accordingly, data extractions techniques such as web or screen scraping are strictly prohibited.

No Unlawful or Prohibited Use

By using this Site you warrant to Encompass Lending Group that you will not use this Site or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these terms. Any violation of this provision will result in prompt revocation of our permission granted to you to use this Site.

Links to Third-Party Sites

We may, solely for your convenience and additional information, include hyper-links to sites operated and controlled by other parties unrelated to us or any of our affiliates. We do not endorse such sites, nor do we guarantee that the information contained within them is accurate and/or complete. If you elect to link to any third-party sites, you do so at your own risk. Please also note that the terms of the Privacy Policy provided on this Site apply only to this Site. We do not control whatsoever the handling of your information by third parties once you leave our Site, and are not responsible for the handling and use of any personal information you provide to third-party sites. Accordingly, we strongly encourage you to carefully review the privacy policy of any third-party site visited before releasing any personal information.

Changes to these Terms of Use

We reserve the right to change these terms at any time, without notice to you. All changes are effective immediately upon being posted on this Site and you are deemed to have accepted such changes by virtue of your use of this Site. Therefore, we advise you to review these terms on each occasion you access our Site.

Liability Disclaimer

ALL INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL Encompass Lending Group, ITS AFFILIATES, SUPPLIERS AND/OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIALS AND/OR SERVICES OBTAINED THROUGH THS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWIDE, EVEN IF Encompass Lending Group ITS AFFILIATES, SUPPLIERS OR ANY OF ITS AGENTS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURSIDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.