Privacy Policy

Last Updated: October 27th, 2025

Encore Home Lending (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you visit our website or use our services.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, such as:

  • Name
  • Email address
  • Phone number
  • Address
  • Any other information you choose to provide through our online forms or communications

We may also automatically collect limited technical data, such as your IP address, browser type, and website usage details, to improve website performance and security.

2. How We Use Your Information

We use your information only for legitimate business purposes, including to:

  • Provide, operate, and maintain our services
  • Process and manage your loan inquiries or applications
  • Communicate with you regarding your account, requests, or services
  • Send updates, confirmations, or information you request
  • Comply with legal, regulatory, or contractual obligations

Encore Home Lending does not sell, rent, or share personal information with any affiliates or third parties for marketing or any other purpose.

3. SMS Policy

By providing your phone number and consenting to receive text messages, you agree that we may send you updates related to your account or loan process.

  • Opt-Out: You may stop receiving texts at any time by replying “STOP.”
  • Message Rates: Standard message and data rates may apply.
  • Confidentiality: SMS is not a fully secure form of communication. Please avoid sending sensitive information by text.

4. Cookies and Website Analytics

We may use cookies or similar technologies to enhance your browsing experience and improve our website’s performance. You can control cookie preferences in your browser settings. We do not use cookies for third-party advertising or affiliate marketing.

5. Legal Disclosures

Encore Home Lending may disclose your personal information only when required by law or in the good faith belief that such action is necessary to:

  • Comply with legal obligations or regulatory requirements
  • Protect and defend the rights or property of Encore Home Lending
  • Ensure the safety of users or the public
  • Prevent or investigate possible fraud or security issues

6. Your Right to Delete Information

You may request that we delete your personal information from our records. We will honor such requests unless retaining the data is necessary to:

  • Complete a transaction or service you have requested
  • Detect and prevent fraud or security incidents
  • Comply with a legal obligation or regulatory requirement
  • Maintain internal business operations consistent with your relationship with us

To request deletion of your data, please contact us at dave@encorehomelending.com.

7. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, meet legal or regulatory requirements, or resolve disputes.

8. Data Security

We use commercially reasonable safeguards to protect your personal information from unauthorized access, disclosure, or misuse. However, please note that no method of transmitting or storing data online is completely secure.

9. Children’s Privacy

Encore Home Lending does not knowingly collect personal information from anyone under the age of 13. If we learn that we have collected information from a child under 13 without parental consent, we will delete it promptly.

10. Policy Updates

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date. Your continued use of our website or services after any changes indicates your acceptance of the updated policy.

11. ADA Accessibility Statement

Encore Home Lending is committed to ensuring digital accessibility for all users.

  • Our website is designed to meet WCAG 2.1 AA standards.
  • If you experience difficulty accessing content, please contact us at dave@encorehomelending.com, and we will provide the information you need through an alternative method.

12. Licensing and Jurisdiction

Encore Home Lending is licensed and operates solely in the states of Michigan and Ohio.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

📧 Email: dave@encorehomelending.com

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