LAST UPDATED: APRIL 2023
This Atlantic Coast Mortgage Privacy Policy (“Privacy Policy”) includes information about how we collect, use, and share Personal Information.
This Privacy Policy applies when you visit or use our websites and related services provided by Atlantic Coast Mortgage (the “ACM Service”). It describes how we collect, use and share information when we provide the ACM Service and explains your related rights and choices. The terms “Atlantic Coast Mortgage”, “ACM”, “we”, “us”, or “our” mean Atlantic Coast Mortgage, LLC, and its affiliates. “You” and “your” refer to individuals who visit the ACM Service and are at least 18 years of age.
Please note that this Privacy Policy forms part of our Terms of Service, www.atlanticcoastmortgage.com/terms-of-service/. Each time you use the ACM Service, you accept the Terms of Service and acknowledge having read them. If you do not accept the Terms of Service, you must not use the ACM Service.
We will update this Privacy Policy from time to time, so please review it regularly. If we materially alter this Privacy Policy, we will update the “Effective Date” at the top of this page and inform you by posting a notice on the ACM Service or by otherwise notifying you. Your continued use of the ACM Service will be deemed your agreement that your Personal Information may be used in accordance with the new Privacy Policy.
For purposes of this Privacy Policy, “Personal Information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you.
When you use the ACM Service, we may collect the following categories of Personal Information:
Information we automatically collect with cookies, web beacons, and similar technologies. Like most internet-based services, we and other companies use “cookies,” log files, beacons, pixels, and similar technology in the ACM Service. Cookies and similar technology may collect your personal identifiers (such as IP address, device and browser identifiers and characteristics, and other identifiers), information about your device (such as operating system, browser characteristics, and language preferences), and your usage activity on the ACM Service, as well as your interaction with our content and advertising on other online sites and services.
Cookies are small text documents that often include an anonymous unique identifier. When you visit a website on the internet, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookies to your browser if your browser preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent by others.
You can manage or disable cookies on your device by using the tools in your browser. If you choose to disable cookies, the cookies will not be used. However, if you do choose to remove cookies or reject cookies, it may affect the features and functionality of the ACM Service.
We may use third-party analytics services to help us understand and improve the usage of the ACM Service and our email and other communications. We may also use third-party services to serve ads when you use the ACM Service and/or when you use other websites and services and to send informational and marketing emails. These services may collect your personal identifiers (like your IP address, device and browser identifiers and characteristics, and cookie information) and web browsing activity by placing cookies and using similar technology. See “Information we automatically collect with cookies, web beacons, and similar technologies” above for more information about cookies and how we use them. The third party providers who maintain these services may use the information they collect to provide us with analytical information that we use to improve the ACM Service and our emails and other communications. They may also use the information they collect to provide advertisements to you, to show you content on other websites and services, and/or to combine the information they collect with information they have collected elsewhere.
We currently use Google Analytics to collect and process certain usage data on our website. To learn more about Google Analytics and how to opt out, please visit: https://policies.google.com/technologies/partner-sites. See “Marketing preferences and opt-out abilities” below to learn more about your options regarding online advertising networks and opt-out options.
Atlantic Coast Mortgage has pages on social media services like Facebook, Twitter, LinkedIn, and Instagram. When you interact with us on these pages or engage with our brand elsewhere on social media, we may collect information such as your likes, interests, feedback, and preferences. We may collect additional information from social media companies if you choose to share with them and they, in turn, share that information with us.
Please note that any posts you make on our social media pages (and any pictures, comments, or Personal Information you include when you post) are available to others who use or view those pages. Please be careful with your information and make sure that the content you share is information you are comfortable making public, since neither you nor we can control what others do with your information once you post it.
We may collect aggregated and de-identified information, and we may also de-identify and aggregate other information we receive. We use and disclose this information for legitimate business purposes.
We use the Personal Information listed above for our business and commercial purposes. The specific uses of each category may vary depending on how you interact with us. For example, we may use your information for the purposes described below:
If you are an Atlantic Coast Mortgage customer or are seeking, applying for, or obtaining our financial products and services for personal, family, or household purposes, we will treat the specific categories of your Personal Information as described in this Privacy Policy, unless otherwise described in Atlantic Coast Mortgage’s separate Privacy Notice www.atlanticcoastmortgage.com/privacy-notice/.
We do not sell, trade, or license your Personal Information for direct marketing or similar third-party business purposes. We only use your information as disclosed in this Privacy Policy or otherwise with your consent.
We will share your information with third parties if you request or direct us to do so. For instance, if you say you want to be connected to one of our affiliates or referral partners providing additional services, we will process your Personal Information as needed to complete your request.
We share the Personal Information described above with service providers (including for example, affiliates, technology providers, referral partners, data hosting services, email and other communications vendors, and marketing agencies) that provide services to you and us, including to help us send you offers of our products and services, administer emails, maintain the ACM Service, and analyze and improve the ACM Service. We may also provide Personal Information to service providers who provide us with fraud detection and security services that help us keep the ACM Service safe. We require service providers to use Personal Information only for the purposes specified in our agreements.
We may share your personal identifiers and commercial information with advertising partners that use various technologies to send (or serve) relevant ads to users on the ACM Service, or on platforms or websites operated by third parties.
We may share your Personal Information with our affiliates for the purposes described above. By providing your Personal Information to us, you understand and consent to such use and transfers.
We may disclose Personal Information about you to law enforcement, courts, our attorneys and other advisors, as well as others who participate in the legal process, if we are required by law to do so or if we determine in good faith that the disclosure is necessary to enforce our rights, apply our terms of service www.atlanticcoastmortgage.com/terms-of-service/, comply with the law, or to protect you, us, other users of the ACM Service, or others.
In the event of a merger, acquisition, initial public offering, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets (whether by private sale, through operation of law as part of a divestiture plan, or otherwise), we may provide Personal Information and transaction history data associated with each relevant business unit as necessary to perform industry standard work related to such activity and to complete the transaction as permitted by law or contract.
Our separate Privacy Notice www.atlanticcoastmortgage.com/privacy-notice/ describes the collection, use, and sharing of certain Personal Information in connection with your seeking, applying for, or obtaining our financial products and services. If you have an Atlantic Coast Mortgage account, you may update your account information by logging in to your account. You may also connect using the contact details listed below at “Contact Us.”
At your request and where required by law, we will confirm and/or update the Personal Information we hold about you, but we may have to verify your identity first.
If you do not want to receive marketing messages from Atlantic Coast Mortgage, you may opt out by reaching out through the contact details listed below at “Contact Us,” by using the unsubscribe function in one of our emails, or by logging into your account and changing your preferences if you are an account holder. If you opt out, you may still receive administrative messages, satisfaction surveys, and communications that are necessary to provide to you.
You can learn more about advertising networks and opt out of receiving personalized advertisements on your web browsers and devices from advertisers who are members of the Network Advertising Initiative (NAI) or who subscribe to the Digital Advertising Alliance’s (DAA) Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt-out options of each of these organizations:
When you opt out of personalized advertising, you may continue seeing ads as you the ACM Service or visit other websites and services.
Our separate Privacy Notice www.atlanticcoastmortgage.com/privacy-notice/ describes how we share certain Personal Information with affiliates and third parties and your related rights when you apply for and use the financial products and services provided through the ACM Service.
This Privacy Notice is for California residents only and supplements the information contained in the Privacy Policy of Atlantic Coast Mortgage, LLC (“ACM” or “we,” “us,” or “our”). This notice applies solely to visitors, client’s, users, and others who reside in the State of California (“consumers” or “you”). ACM adopts this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA“) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
ACM collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information“). In particular, we have collected, or disclosed for a business purpose to third parties, the following categories of Personal Information from consumers within the last twelve (12) months in order to facilitate the processing of mortgage loan applications.
| Category | Example |
|---|---|
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
| B. Personal Information categories listed in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some Personal Information included in this category may overlap with other categories. |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| E. Internet or other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
| F. Geolocation data. | Physical location or movements. |
| G. Professional or employment-related information. | Current or past job history |
| H. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
Personal Information does not include:
ACM obtains the categories of Personal Information listed above in order to facilitate the processing of your mortgage loan application from the following categories of sources:
We may use or disclose the Personal Information we collect for one or more of the following business purposes:
ACM 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.
ACM may disclose your Personal Information to a third party for a business purpose. When we disclose Personal Information for a business purpose, we enter into 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.
We disclose your Personal Information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, ACM has not sold any Personal Information, and we have no intention of doing so in the future.
The CCPA provides California residents with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.
Unless your Personal Information is excluded from the scope of the CCPA, you have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete the Personal Information we have collected from you. There are some exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:
You have the right not to be discriminated against for exercising any of your rights under this notice.
You may only make a verifiable consumer request for access or data portability twice within a twelve (12)-month period. The verifiable consumer request must:
To request access to or deletion of your Personal Information, or to exercise any other data rights under California law, please contact us using one of the following methods:
WEBSITE – You may visit our opt-out form to authenticate and exercise your rights.
EMAIL – You can send us an email request to Privacy@acmllc.com
PHONE – You may dial our Customer Service at 703-592-6235 or 866-311-8627 (Toll-Free)
RESPONSE TIMING AND FORMAT – We aim to respond to a consumer request for access or deletion within 45 days of receiving that request. If we require more time, we will inform you of the reason and extension period in writing.
We work hard to ensure that the ACM Service will be a safe and trusted environment for you, and we are committed to protecting the Personal Information you share with us. In order to prevent unauthorized access, use, or disclosure of your Personal Information, we employ suitable physical, administrative, and technical safeguards to secure your Personal Information. Transmission of information on the internet is not completely secure, and we cannot guarantee the security of information sent to or collected by us through the ACM Service or otherwise, and your transmission of such information is entirely at your own risk.
The ACM Service is designed for U.S. persons who have reached the age of 18. By using the ACM Service, you affirm you are at least 18 years of age. We are not liable for any damages that may result from your misrepresentation of age.
We will not knowingly collect the Personal Information of children under the age of 13, and under no circumstances may anyone under the age of 13 use the ACM Service. If you believe we may have personal information of a child under the age of 13, please contact us.
We welcome your feedback and are here to answer any questions you may have about this Privacy Policy, its relationship to our Privacy Notice, or Atlantic Coast Mortgage’s privacy practices in general. If you wish to contact us, you may reach us by means of the following contact details:
Atlantic Coast Mortgage, LLCPhone: 703-592-6235
Toll Free: 866-311-8627
Fax: 877-705-7623
Opt-out of marketing communications and limit the sharing of my personal Information.
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