Information We Collect
We may collect your personal information if you voluntarily provide it to us when you are seeking access to specific resources or seeking more information or other similar purposes. For example, you may choose to give us your name, phone number, address, partial SSN, your account number, email address, other identifying information (“Personal Information”) and other information when you choose to fill out our web forms requesting information. You may always choose whether or not to provide this personal information online. For example, when you fill out the web form to Request Information, this information will be directed to the appropriate staff to respond to your request and may be stored by us. We may also ask for your consent to contact you by phone, text or other means and we will record and save that information if you choose to consent. We may also use this information to help us update our website and to better respond to similar requests. We may share that information with certain third-party service providers we contract with to help us organize contact information, improve our ability to respond efficiently to your requests, and other business purposes. These third-party vendors are not permitted to share the information we provide to them with anyone other than us.
In addition to the information you voluntarily provide on our Website, we also collect additional information automatically as you navigate through the site. See below under “Cookies and other Automatic Data Collection Tools” for a more detailed explanation of the tools we use for this.
Cookies and Other Automatic Data Collection Tools
When you interact with our Website, certain information about your use of the site is automatically collected. The tracking technologies employed when you use our Website may be first-party or third-party. Our primary goal in collecting the information described within is to provide you, the user, with a better experience on our Website. By knowing a little about each user, we are able to deliver better service and more relevant content to our Website users and visitors.
We also use third-party analytics vendors to collect information about the use of our site, including:
- Google Tag Manager: We use Google Tag Manager, a tag management system offered by Google, Inc. to manage tags used for tracking and analytics on websites (including, for example, Google Analytics). Tags are small code elements that, among other things, are used to measure traffic and visitor behavior and to test and optimize websites. Google Tag Manager (“GTM”) only implements tags and does not itself process user’s personal data. The GTM triggers other tags, which, in turn, may collect data under certain circumstances. You may read more about GTM here. GTM’s privacy practices can be found here.
We also use Google Tag Manager, a tag management system offered by Google, Inc. to manage tags used for tracking and analytics on websites (including, for example, Google Analytics). Tags are small code elements that, among other things, are used to measure traffic and visitor behavior and to test and optimize websites. Google Tag Manager (“GTM”) only implements tags and does not itself process user’s personal data. The GTM triggers other tags, which, in turn, may collect data under certain circumstances. You may read more about GTM here. GTM’s privacy practices can be found here.
How We Use Your Information
We use the information you provide, including any personal information, so that we may provide you with information or services that you request or that we believe will be beneficial to you. For example, we may use your personal information to:
- provide you information or services that you request from us;
- to fulfill any other purpose for which you provide it;
- for our borrowers, we may use and share information as permitted or required by your loan documents and governing law and regulations;
- customize the content you see on our Website;
- facilitate your use of our Website or manage your preferences;
- analyze the use of our Website to improve our website and services;
- identify and protect against fraudulent transactions and other misuses of our Website; and
We also may periodically send you news or information about ECMC and the opportunities we offer. This could include notices about programs or events.
We do not ever sell or trade personal information about our website visitors to any third parties for marketing purposes. We may share your information with our employees, agents, and affiliates with a business need to know; our third-party service providers to process or use it for us based on our instructions; and with third-party partners that collaborate with us to host events. We do not allow third-party advertising companies or ad networks to display advertisements on our Website. If you believe any third party is misusing the information you provided to us, please contact us right away via the contact information below.
In addition to what we have stated in other sections of this Policy, we may share your information with our employees and agents; third-party service providers, including credit-card payment processors performing services on our behalf; our affiliated entities in order to provide services to you, and as required by law.
Social Media Features and Links
Disclosures Required by Law
We reserve the right, subject to applicable law, to disclose your information to third parties when required by law or in the good faith belief that such action is necessary to comply with applicable law, court order, subpoena, or other legal process.
You may choose to:
- Not provide personal information, although that may result in your inability to obtain or use certain features of our Website; and
- Delete or decline cookies by changing your browser settings, although if you do so, some of the features of our Website services may not function properly.
Personal Information and Security
We take reasonable precautions to protect the personal information we collect from our Website users and visitors. To prevent unauthorized access, maintain data accuracy, and verify the appropriate use of information, we have put in place physical, administrative, and technical safeguards to protect your personal information from unauthorized access, alteration, use or disclosure. While we do our best to protect your personal information, no security measures are perfect or impenetrable and thus the transmission of information sent over the Internet, whether by email or by using our online system and Website, is not completely secure against interception. As a result, although we utilize such measures, we cannot guarantee you against interception, loss, misuse, or alteration of your information and you provide such personal information to us at your own risk. You should take care how you handle and disclose your personal information.
We will store information regarding you, including any personal information, until it is no longer needed to fulfill the purpose(s) for which it was collected, or as otherwise required or permitted by law. After such time, we will either delete or anonymize your personal information or, if this is not possible, we will securely store your personal information until deletion is possible. We may dispose of any data in our discretion without notice, subject to applicable law.
Links to Third-Party Websites
This Website may contain certain hyperlinks to other websites, including third-party social media sites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of our Website and this Policy. This Website may contain certain hyperlinks to other websites, including third-party social media sites, in which our name or logo may appear, including a link to Parchment to obtain transcripts. This Policy does not apply to such third-party websites and we are not responsible for compliance with the other websites’ privacy policies or data collection practices. You should consult the respective privacy policies of each of those third-party websites to learn how they collect, process, share, and store your information. You should exercise caution and read the third-party privacy policies carefully before providing any personal information to be sure you understand the third parties’ policies related to the collection, processing, sharing and storing of your information. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review these privacy policies carefully before providing personal information to these websites.
If you are a California resident, California Civil Code Section 1798.83 permits you to request information regarding the disclosure, if any, of your personal information to a third party for the third party’s direct marketing purposes. It is our policy, however, to not share or sell any personal information to third parties for marketing purposes. If you have further questions or otherwise wish to make a request, please contact us at the address listed below.
If you are visiting this site from outside of the United States, your connection may be made through and to servers located in the United States. Your entries and information placed through our Website may be fully processed in and from the United States, and all information you provide may be processed and maintained in our web servers and internal systems located within the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country, but please be assured that we take steps to ensure that your privacy is protected. By using our services, however, you acknowledge that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy. By using this site, you authorize the export of your personal information to the United States and its storage and use as specified above when you provide such information to us. This Policy and our legal obligations are subject to the laws of the United States, regardless of the location of any user.
Protection of Children's Privacy
Our Website is not intended for, nor designed to attract children under the age of 13. No one under the age of 13 may provide any information to or on our Website. It is our policy never to knowingly collect or maintain personal information about any person under the age of 13. If you are under 13, please do not use or provide any information on this Website or provide any personal information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will promptly delete that information. If you believe we might have any information from or about a child under 13, please contact us at the contact information below so that we may promptly address the issue.
If you have questions or suggestions about our Website, this Policy, or our information practices, please contact us at:
111 Washington Avenue South
Minneapolis, MN 55401
1-800-276-0366, opt. 3