TEXAS MORTGAGE BANKER COMPLAINT DISCLOSURE
Efinity Home Loans is licensed under the laws of the state of texas and by state law is subject to regulatory oversight by the department of savings and mortgage lending.
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website www.sml.texas.gov and a toll-free consumer hotline is available at 1-877-276-5550.
Recovery Fund Notice
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
Our Security & Privacy Pledge
At Efinity, we have dedicated ourselves to revolutionizing the home loan process and helping individuals use their home financing options as a tool to manage their financial lives. In that effort, we respect and protect the privacy of those who visit or use our Website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted leading industry privacy guidelines.
Efinity does not share your personal information with outside companies for their promotional use. Because of the financial nature of our business, our Websites are not designed to appeal to children under the age of 13. Therefore, we don’t knowingly attempt to solicit or receive any information from children.
Our Philosophy and Practices
At Efinity, we want you to be comfortable and confident when using our Web site. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our Web site:
We Provide You Notice of our Website Information Practices
To maximize the value of our services, we may request information from you when you visit our Web sites. Efinity does not share your personal information with outside companies for their promotional use.
Here is a description of the information we collect and how it is used:
Tools, Applications and Registration
We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.
However, if you want to exercise one or more of the loan options presented, we will ask you to register at the site and supply other identifying and supporting information needed to process your application.
By registering, you can save information such as loan interviews and applications for later review and update. Efinity does not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by Efinity. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an e-mail to firstname.lastname@example.org.
We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.
By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
More on our general information practices.
Mandatory and Optional Information
We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting.
E-mail Message Formatting
When sending you e-mail we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer’s capabilities, and (2) determine whether you’ve opened an HTML e-mail. When you click on a link within an e-mail message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our e-mail messages and to determine which links are most useful to our customer base.
In some cases, we will employ or use service providers such as title companies, appraisers, consultants, temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our Website technology, deliver products, or to send e-mails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
Service Alerts and Critical Notices
Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
Change of Control
Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of Efinity. You will have the opportunity to opt out of further secondary use of your information following any change of control.
If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we’ll post those changes to the Efinity Website 30 days before they take effect.
In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.