Privacy Policy

EBA has built a fresh mortgage consulting model for the credit union industry that finally makes sense.

We respect the privacy of our customers, and their members and members-to-be. Because our Web site will continue to change and improve the services and features we provide, this policy is subject to change without prior notice. For that reason, we encourage you to review the privacy policy periodically. Registered users will be notified by e-mail of any material changes in either the scope of the privacy seal, the language of the privacy notice, or our information practices and given the chance to opt-out of any new uses. By using our Web site, you agree to the terms of the privacy policy in effect at that time.

Information We Intend to Gather

The type of information we gather online, why we collect it and how we use it is explained below:

General Tracking Information

We will keep track of the pages visited by each user. Our Web server will automatically collect some information about you when you request pages from our server, including your IP address. Your IP address is a number that is used by computers connected to the Internet to identify your computer so that data (such as the Web pages you request) can be sent to you.

We will aggregate this data with data on the pages visited by other users to track overall visitor traffic patterns. We use this information to improve our site by making it more responsive to the needs and preferences of you, our users. This information does not identify you personally.

On occasion we may provide aggregate information to vendors, investors, potential advertisers, or news agencies to demonstrate the amount of interest in the site and to help us plan for technical infrastructure requirements.

Click Path Tracking
Using cookie technology (see below for more information), we will track your click path through our site. We will use this information to help customize your visit to our site. For instance, if you read an answer to a question about loan origination in our member section, on your next visit to our site, we may present to you more information about origination innovations.

Registration Information (only if registered as a member of the community)

In order to register on our site, you must provide your:

First and Last Name
Credit Union Name
E-Mail Address
Phone Number
Log-In ID
Password

Registration is only required to gain access to the member section of the site. However, you must be registered on our site to purchase our member services.

If you choose to register:

We require:

- your first and last names to help us differentiate your registration profile from others at elliottbayassociates.com. Your information will be added to our customer information database to allow EBA to research and offer products and services specifically designed for you and your members.

- a phone number in case we need to reach you about your membership. We may call you and ask you to participate in occasional surveys designed to help us improve your membership experience.

- an e-mail address because, unlike your first and last name, it identifies you uniquely. We will send you an e-mail confirming your registration on our site, and in the event you forget your password, we will send it to your e-mail address at your request. Periodically, we will send promotional e-mails describing new features or products.

- a unique log in ID and password combination that allows you secure access to your user profile and preferences. If you forget your password, at your request we can e-mail it to the e-mail address you chose in your profile.

You will have the opportunity to sign up for e-mail newsletters on certain subjects. These newsletters will be sent to you only if you choose to place your name on our mailing list.

Third Parties

We have legally binding agreements with our EBAllies that prohibit them from using your information for any purpose other than what EBA permits them to do with it. Therefore, you will only receive information about EBAllies directly from EBA, until such time as you choose to contact any of the EBAllies directly.

Online Ordering Information

If you choose to subscribe to our services, you will need to provide the following information so that we can fulfill your order:

First and Last Name
Contact Phone Number
E-Mail Address
Credit Card Account Information
Log-In ID
Type of services you are requesting

We use this information for the purpose of fulfilling your subscription order. Your order information will also be used to track and analyze subscription trends. This analysis allows EBA to provide the highest quality products and services possible.

We do NOT sell to any third party under any circumstances any of the personal information you provide to complete your order. We request a contact phone number in case one of our customer service representatives would need to reach you.

We request your e-mail address because we send a single e-mail message acknowledging receipt of your subscription or order.

Security Information

We understand that many Internet users are concerned about security on the Internet. The Web server for EBA is designed for Internet commerce, and employs industry standard methods of protecting the security of information sent over the site. This statement describes the technologies we use and provides additional information about how we handle your credit card information. We want you to be able to shop at the EBA site with confidence. Of course, if you would rather order EBA products or services by telephone, you can call us toll free at 1.888.868.5902.

We strive to protect the security of the information you send to us while it is en route to our site. Every page of the EBA site on which information is exchanged between you and EBA employs Secure Sockets Layer technology. Secure Sockets Layer, or SSL, is a secure and encrypted method of communicating between your browser software and our Web server. SSL is the most common method of secure communication used on the Internet, and SSL technology is built into most major browsers. When you provide information or place an order with us, the information is sent to us via this secure, encrypted SSL connection. A quick method of identifying a secure Web page is to look at the address of the page. Secure pages will usually appear with an address that starts with "https://" rather than the standard "http://".

We are committed to providing a secure, friendly site where customers can shop without undue concern over security. When we receive your information, we use commercially reasonable efforts, including the measures described above, to protect the security of your information on our systems. However, no data transmission over the Internet or any wireless network can be guaranteed to be absolutely secure. Therefore, we do not warrant or ensure the security of any information sent to us online. If you have any questions, comments or concerns, please contact us via e-mail at privacy@elliottbayassociates.com or toll free at 1.888.868.5902.

Effective September 15, 2009.