Welcome to EZ Loandocs.
The EZ Loandocs service (the “Service”) is comprised of various web pages operated by EZ Loandocs LLC (“EZ Loandocs”). The Service is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms of Use”). By using the Service you agree to be bound by these Terms of Use. EZ Loandocs provides the Service in accordance with these Terms of Use. Please read these Terms of Use carefully, and keep a copy of them for your reference.
EZ Loandocs is a document workflow management system
EZ Loandocs is an online document workflow management system used by borrowers and mortgage loan originators. The Service includes features for uploading, downloading, and managing documents and information related to obtaining a loan. These Terms of Use apply to all users, including borrowers and loan originators.
Privacy
Your use of EZ Loandocs.com is subject to EZ Loandocs’s Privacy Policy. Please review our Privacy Policy.
If you are under 18, you may use the Service only with permission of a parent or guardian. If you are under the age of 13, you cannot use the Service. EZ Loandocs does not knowingly collect, either online or offline, personal information from persons under the age of 13. Always use caution when giving out any personally identifying information about yourself or your children.
Electronic Communications
You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and through the Service, satisfy any legal requirement that such communications be in writing. These communications are considered part of the Service. You cannot opt out of receiving these communications. Notices to you may be made via either email or regular mail.
Registration of Account
In order to use the Service, you must have a valid EZ Loandocs account (an “Account”). To establish an Account, you must provide EZ Loandocs with a valid email address, a password, and other information. You may update your email address or password at any time. You are responsible for maintaining the confidentiality of your Account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur through your Account. You may not assign or otherwise transfer your account to any other person or entity.
You acknowledge that EZ Loandocs is not responsible for third party access to your Account that results from theft or misappropriation of your Account. You agree to immediately notify EZ Loandocs of any unauthorized use of your Account or any other breach of security, and ensure that you exit from your Account at the end of each session. EZ Loandocs may log you out of your Account if you are inactive for an extended period of time. If your password is stolen or our Account is otherwise compromised, you must immediately notify EZ Loandocs and change your password. EZ Loandocs cannot and will not be liable for any loss or damage arising from your failure to maintain the security of your Account or password.
You represent and warrant that all of the information provided by you to EZ Loandocs is correct and current; and you have all necessary right, power, and authority to enter into these Terms of Use and to perform the acts required of you by these Terms of Use. If you provide any information that is untrue, inaccurate, not current, or incomplete, or EZ Loandocs has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, EZ Loandocs has the right to suspend or terminate your Account and refuse you access to the Service.
Collection of your Personal Information
“Personal Information” means information that identifies you, such as your name, address, location, social security number, phone number, fax number, or email address. Personal Information includes financial documents and information that you may upload or otherwise transmit to the Service. This information is used to complete certain transactions.
From time to time EZ Loandocs may request additional Personal Information to provide you with other benefits of the Service. In all such instances, you will be given the opportunity to provide or to decline to provide that information and it will be used only for the stated purpose.
Storage of Personal Information and documents
EZ Loandocs may establish general practices and limits concerning use of the Service and data storage limits for your use of the Service. EZ Loandocs may modify such practices and limits from time to time without notice.
The Service is not intended as a backup or storage system. You agree to maintain backup copies of all of your Personal Information, documents, and communications submitted to the Service. EZ Loandocs shall have no responsibility or liability for the deletion of, the failure to store, or the failure to transmit, any Personal Information, documents, or communications maintained by the Service.
The Service is provided “as is”
EZ Loandocs strives to provide a useful and reliable Service, but there are certain things that we cannot guarantee. TO THE FULLEST EXTENT PERMITTED BY LAW, EZ Loandocs AND ITS AFFILIATES, SUPPLIERS, AND DISTRIBUTORS MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, ABOUT THE SERVICE. THE SERVICE IS PROVIDED “AS IS.” WE ALSO DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EZ Loandocs OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, LOSS OF DATA, OR LOST PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICE, WITH THE DELAY OR INABILITY TO USE THE SERVICE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE SERVICE, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF EZ Loandocs OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
THE INFORMATION, SOFTWARE, PRODUCTS, AND FEATURES INCLUDED IN OR AVAILABLE THROUGH THE SERVICE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. EZ Loandocs OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS OR CHANGES IN THE SERVICE AT ANY TIME.
Indemnification
You agree to indemnify, defend and hold harmless EZ Loandocs, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities and expenses, including reasonable attorneys’ fees, relating to or arising out of your use of or inability to use the Service.
You further agree to indemnify, defend and hold harmless EZ Loandocs, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses, including reasonable attorneys’ fees, relating to or arising out of any documents or information you upload or download or otherwise transmit through the Service; your violation of any of these Terms of Use; your violation of any rights of a third party; or your violation of any applicable laws, rules or regulations. EZ Loandocs reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall fully cooperate with EZ Loandocs in asserting any available defenses.
No unlawful or prohibited use
As a condition of your use of the Service, you warrant that you will not use the Service for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service.
The Service provides communication features including the uploading and downloading of documents. You agree to use the Service only to upload, download, send and receive documents and information that are proper and related to the Service.
You agree that you will not:
upload, post, email, or otherwise transmit any computer viruses, routines, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
upload, post, email, or otherwise transmit any document or information that infringes any patent, trademark, trade secret, copyright, rights of privacy or publicity, or other proprietary rights of any party;
upload, post, email, or otherwise transmit any inappropriate, profane, defamatory, infringing, obscene, harassing or threatening documents or information;
interfere with or disrupt the Service or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service, or otherwise interfere with the Service in any way, including through the use of JavaScript or other coding;
obtain or attempt to obtain any documents or information through any means not intentionally made available or provided for through the Service;
take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
download or access any document or information that you know, or reasonably should know, should not be be accessible to you;
harvest or otherwise collect information about others, including email addresses, without their consent;
violate any applicable laws or regulations; or
exceed the scope of the Service that you have signed up for; for example, accessing and using features that you do not have a right to use or sharing your Account information with other people.
EZ Loandocs reserves the right to monitor your use of the Service and edit, refuse to post, or to remove any information or documents, in whole or in part. In addition EZ Loandocs may terminate your Account at any time without further warning if it determines that you have violated these Terms of Use or their spirit.
Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use the Service strictly in accordance with these Terms of Use. You agree not to reproduce, duplicate, copy, sell, resell, or exploit the Service or any portion of the Service without the express permission of EZ Loandocs.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used in the Service, is the property of EZ Loandocs or its suppliers and protected by copyright, trademark, and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright, trademark, and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale of the Service; or create derivative works of the Service. No resale of the Service is permitted without the express written consent of EZ Loandocs.
Third Party accounts
You will be able to connect your EZ Loandocs account to third party services. By connecting your EZ Loandocs Account to a third party service, you acknowledge and agree that you are consenting to the continuous release of information about you to that third party in accordance with your privacy settings with those third party services and the terms of service of those third parties. If you do not want information about you to be shared in this manner, do not use these features. You may disconnect your Account from third party services at any time.
EZ Loandocs encourages you to review the terms of service and privacy policies of any third-party service you connect to your EZ Loandocs account so that you can understand how those services collect, use, share, and protect your information. EZ Loandocs is not responsible for the terms of service, privacy policies or other content on or of third party services.
Linked Services
The Service may contain links to other services (“Linked Services”). The Linked Services are not under the control of EZ Loandocs and EZ Loandocs is not responsible for the contents of any Linked Service, including without limitation any link contained in a Linked Service, or any changes or updates to a Linked Service. EZ Loandocs provides these links to you only as a convenience, The inclusion of any link does not imply endorsement by EZ Loandocs of the Linked Service or any association with its operators.
SMS message service
SMS messages will be sent from 55000, unless you are outside the United States, in which case they will be sent from a local phone number.
SMS message service subscribers can:
Opt in to the SMS service in the EZ Loandocs 1003 Web Application or on the Account Settings page
Opt out of the SMS service on the Account Settings page or by replying with the keyword “STOP” to the message received
Receive assistance with the SMS service by replying with the keyword “HELP” to the message received
You may receive up to five SMS messages per week, occasionally more. Standard message and data rates may apply. Participating carriers include AT&T, Boost Mobile, T-Mobile, Metro PCS, Verizon Wireless, Sprint, U.S. Cellular, Nextel, and Virgin Mobile. T-Mobile is not liable for delayed or undelivered messages.
Termination policy
Your data is yours. You can remove it anytime you want. When you request that we terminate your Account, your Personal Information including your documents will be permanently expunged from our primary production servers and further access to your Account will not be possible. EZ Loandocs will disconnect your Account from all third party services. However, there might be some latency in deleting your information and documents from our backup servers and backup storage. EZ Loandocs keeps these backups to ensure our continued ability to provide the Service in the event of malfunction or damage to our primary production servers. In addition we may retain certain information or documents if necessary to comply with our legal obligations, resolve disputes, or enforce our agreements.
EZ Loandocs reserves the right, in its sole discretion, to terminate your access to the Service or any portion thereof at any time, without notice. In the event your access is terminated by EZ Loandocs, your Account will be disabled and you will not be granted access to your Account or any document or information hosted by the Service. EZ Loandocs may delete your documents or information.
In the event of termination, EZ Loandocs may also withdraw and at its discretion reallocate the public web address of the Service.
Government and legal requests
EZ Loandocs’s performance under these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of EZ Loandocs’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Service or documents or information provided to or gathered by EZ Loandocs with respect to such use. EZ Loandocs reserves the right to disclose any documents or information as necessary to satisfy any applicable law, regulation, legal process or governmental request.
International users
The Service is controlled, operated and administered by EZ Loandocs from our offices within the United States of America. If you access the Service from a location outside the U.S.A., you are responsible for compliance with all local laws. You agree that you will not use the Service in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
California law applies
To the maximum extent permitted by law, these Terms of Use are governed by the laws of the State of California. Any dispute arising under or in connection with the Service or these Terms of Use shall be subject to the exclusive jurisdiction of the state courts located in Los Angeles County, California the United States District Court for the Central District of California, located in Los Angeles, California. You hereby consent to the exclusive jurisdiction and venue of these courts. Use of the Service is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms of Use, including, without limitation, this section.
Not a joint venture
You agree that no joint venture, partnership, employment, or agency relationship exists between you and EZ Loandocs as a result of these Terms of Use or use of the Service.
If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect.
EZ Loandocs is not designed or licensed for hazardous environments
Without limiting the foregoing, the Service is not designed or licensed for use in hazardous environments requiring fail-safe controls, including without limitation operation of nuclear facilities, aircraft navigation/communication systems, air traffic control, and life support or weapons systems.
New, modified, and discontinued features
Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new tools and resources, shall be subject to these Terms of Use. EZ Loandocs may at its sole discretion modify or discontinue features of the Service from time to time without prior notice. You agree that EZ Loandocs shall not be liable to you or to any third party for any modification, suspension, termination, or discontinuation of the Service.
Access through unauthorized means
You agree not to access the Service by any means other than through the interfaces that are provided by EZ Loandocs for use in accessing the Service.
Injunctive relief
You acknowledge that any use of the Service contrary to these Terms of Use, or any transfer, sublicensing, copying, or disclosure of technical information or materials related to the Service, may cause irreparable injury to EZ Loandocs, its affiliates, suppliers, and any other party authorized by EZ Loandocs to promote the Service (“Promoters”), and under such circumstances EZ Loandocs, its affiliates, suppliers, and Promoters will be entitled to equitable relief, without posting bond or other security, including, but not limited to, preliminary and permanent injunctive relief.
Any and all rights and remedies of EZ Loandocs upon your breach or other default under these Terms of Use will be deemed cumulative and not exclusive of any other right or remedy conferred by these Terms of Use or by law or equity on EZ Loandocs, and the exercise of any one remedy will not preclude the exercise of any other.
Statute of limitations
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms of Use must be filed within one year after such claim or cause of action arose or be forever barred.
Entire agreement
Unless otherwise specified herein, these Terms of Use constitute the entire agreement between you and EZ Loandocs with respect to the Service and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and EZ Loandocs with respect to the Service. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
The captions and headings appearing in these Terms of Use are for reference only and will not be considered in construing this agreement.
Changes to the Terms of Use
EZ Loandocs reserves the right, in its sole discretion, to change the Terms of Use under which the Service is offered. If EZ Loandocs changes these Terms of Use, you will be required to agree to them prior to resuming use of the Service. If you choose not to agree to the changes, you may terminate your use of the Service.
If you have any questions or concerns regarding the Terms of Use, email support@EZ Loandocs.com or call 310-446-0246
Effective as of 2020 February 26
Privacy Policy
EZ Loandocs is a document workflow management system. It is owned and operated by EZ Loandocs LLC (“EZ Loandocs”).
We take the privacy of your information very seriously, and are committed to protecting it. To do that, we have set up procedures to ensure that your information is handled responsibly and in accordance with applicable data protection and privacy laws. We are grateful for your trust, and we will act that way.
EZ Loandocs stresses its privacy and security standards to guard against identity theft and provide security for your information. We regularly reevaluate this Privacy Policy and our security policies and revise them as necessary to deal with new challenges. EZ Loandocs encourages you to periodically review the most current version of this Privacy Policy.
This Privacy Policy describes what information we collect when you use EZ Loandocs and its related services (the “Service”), how we use that information, and what choices we offer you to access, update, and control that information. By using the the Service , you consent to the privacy practices described in this Privacy Policy.
EZ Loandocs is a document workflow management system
EZ Loandocs is an online document workflow management system used by borrowers and loan originators. The Service includes features for uploading, downloading, and managing documents and information related to obtaining a loan.
Collection of your Personal Information
“Personal Information” means information that identifies you, such as your name, address, location, social security number, phone number, fax number, or email address. Personal Information includes financial documents and information that you may upload or otherwise transmit to the Service. This information is used to complete certain transactions. EZ Loandocs may also collect anonymous demographic information, which is not unique to you, such as your age, gender, household income and financial information.
From time to time EZ Loandocs may request additional Personal Information to provide you with other benefits of the Service. In all such instances, you will be given the opportunity to provide or to decline to provide that information and it will be used only for the stated purpose.
Your privacy is not for sale
Simply put, we do not and will not sell or rent your Personal Information to anyone, for any reason, at any time. EZ Loandocs uses and discloses your Personal Information only as follows:
to analyze site usage and improve the Service; to deliver to you any administrative notices and communications relevant to your use of the Service; to fulfill your requests for certain products and services; for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud, or other criminal activity; to third-party contractors that provide services to EZ Loandocs that are bound by these same privacy restrictions; to enforce EZ Loandocs’s Terms of Use; and as otherwise set forth in this Privacy Policy.
Use of your Personal Information by EZ Loandocs
EZ Loandocs collects and uses your Personal Information to operate the Service.
EZ Loandocs may keep track of the pages you visit within the Service, in order to determine what EZ Loandocs features are popular. This data is used to deliver customized content within the Service to customers whose behavior indicates that they are interested in a particular subject area. Information about your computer hardware and software may be automatically collected by EZ Loandocs. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the EZ Loandocs website.
Use of your Personal Information by third parties
If you disclose Personal Information information or personally sensitive data through the Service, this information may be collected and used by loan mortgage professionals, realtors, and other authorized users.
EZ Loandocs will disclose your Personal Information, without notice, only if required to do so by law or in the good faith belief that such action is legally required. Nothing contained in this Privacy Policy is in derogation of EZ Loandocs’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Service or documents or information provided to or gathered by EZ Loandocs with respect to such use. EZ Loandocs reserves the right to disclose any documents or information as necessary to satisfy any applicable law, regulation, legal process or governmental request.
Third party services and sites
You will be able to connect your EZ Loandocs account to third party services. By connecting your EZ Loandocs Account to a third party service, you acknowledge and agree that you are consenting to the continuous release of information about you to that third party (in accordance with your privacy settings with those third party services and the terms of service of those third parties). If you do not want information about you to be shared in this manner, do not use these features. You may disconnect your Account from third party services at any time.
There are a number of separate products and services offered by third parties advertised by us through the Service that may be complementary to your use of the Service (collectively, “EZ Loandocs Offers”). If you choose to use these separate products or services, disclose information to the third-party providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of external services providers before deciding to use their services. EZ Loandocs is not responsible for their privacy practices. If you click on a link to a third party site, EZ Loandocs encourages you to check the privacy policy of that site. EZ Loandocs may present links in a format that enables us to keep track of whether these links have been followed and whether any action has been taken on a third-party web site. We use this information to improve the quality of the EZ Loandocs Offers and customized content on the Service.
If you access the Service through one of our cobrand partners or through a cobranded URL, the email used for your registration on the Service may be provided to that cobrand partner.
Cookies and web beacons
The Service may use cookies and web beacons to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. The purpose of a cookie is to tell the EZ Loandocs server that you have returned. For example, EZ Loandocs may assign a cookie to you, to limit the number of times you see a particular EZ Loandocs offer or to help better determine which EZ Loandocs offers are relevant to you.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the EZ Loandocs services or websites you visit.
Web beacons are images embedded in a web page or email for the purpose of measuring and analyzing site usage and activity. EZ Loandocs, or third party service providers acting on our behalf, may use web beacons to help us analyze usage and improve the Service.
Security of your Personal Information
EZ Loandocs takes the privacy of your Personal Information very seriously. We are committed to protecting it. To do that, we have set up procedures to ensure that your information is handled responsibly and in accordance with applicable data protection and privacy laws.
We are grateful for your trust, and we will act that way.
EZ Loandocs stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly reevaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
We use a combination of firewall barriers, encryption techniques, and authentication procedures, among other technologies, to maintain the security of your online session and to protect EZ Loandocs accounts and systems from unauthorized access. All information and documents uploaded, downloaded, or transmitted through the Service are processed using secure encryption. All communications, including website and API access, are transmitted over SSL (HTTPS).
When you register for the Service, EZ Loandocs requires a password from you for your privacy and security. Your Account password is stored in our databases with one-way encryption so even we do not have access to it.
We regularly update our software and database infrastructure to incorporate patches and updates. All data is backed up on a regular basis to safeguard your data and to ensure our continued ability to provide the Service in the event of malfunction or damage to our primary production servers.
Access to your Personal Information is strictly controlled and used in accordance with EZ Loandocs’s internal privacy and security policies and practices. Our databases are protected from general employee access both physically and logically. Our staff is trained and required to safeguard your information. EZ Loandocs employees and contractors with access to your Personal Information have been selected in accordance with our privacy and security policies and are bound by confidentiality obligations. If they fail to meet these obligations, they shall be subject to discipline, including termination and criminal prosecution. No employee or contractor may store any Personal Information on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
Our data center is guarded 24/7/365 by onsite security personnel. Access requires multiple levels of authentication, including biometrics recognition procedures. The data center has security cameras that monitor both the facility premises as well as each area of the data center internally. Each facility is unmarked so as not to draw unwanted attention. The data center is SSAE16 SOC 2 Type II certified.
You can transport or delete your data
Your data is yours. You can download or remove it anytime you want. When you request that we terminate your Account, your Personal Information including your documents will be permanently expunged from our primary production servers and further access to your Account will not be possible. EZ Loandocs will disconnect your Account from all third party services. However, there might be some latency in deleting your information and documents from our back-up servers and back-up storage. EZ Loandocs keeps these backups to ensure our continued ability to provide the Service in the event of malfunction or damage to our primary production servers. In addition we may retain certain information or documents if necessary to comply with our legal obligations, resolve disputes, or enforce our agreements.
We reserve the right to retain and use any aggregated or anonymous data derived from your Personal Information. Portions of your information, consisting of aggregated, anonymous data derived from your Personal Information, may remain on our production servers indefinitely.
Children under thirteen
EZ Loandocs does not knowingly collect Personal Information information from children under the age of thirteen.
Third-party security
EZ Loandocs chooses its affiliates carefully to ensure they employ appropriate security and privacy measures. Our third party service providers are required to comply fully with this Privacy Policy. However, we exercise no control over how your information is stored, maintained, or displayed by third parties or on third party sites.
CCPA
Applicable to California consumers, the California Consumer Privacy Act (CCPA) protects you, your rights, and your privacy. EZ Loandocs complies with all applicable terms of the CCPA.
GDPR
Applicable to residents of the European Union (EU), the EU's General Data Protection Regulation (GDPR) protects you, your rights, and your privacy.
Under the terms of the GDPR, Processing takes place in the United States of America. The Controller is any mortgage loan officer and their organization with whom you have shared information.
Contact information
EZ Loandocs welcomes your questions or comments regarding this Privacy Policy. If you have any concerns related to this Policy, please contact EZ Loandocs at:
EZ Loandocs LLC
support@EZLoandocs.com
EZ Loandocs.com
EZ Loandocs has appointed a data protection officer, who can be reached at privacy@EZ Loandocs.com.
Effective as of May 1 2020
Security Statement
We provide this overview so that you can better understand the security measures we have put in place to protect your information. EZ Loandocs is a document workflow management system. It is owned and operated by EZ Loandocs LLC.
EZ Loandocs takes the privacy of your Personal Information very seriously. We are committed to protecting it. To do that, we have set up procedures to ensure that your information is handled responsibly and in accordance with applicable data protection and privacy laws. We are grateful for your trust, and we will act that way.
EZ Loandocs stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly reevaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
We use a combination of firewall barriers, encryption techniques, and authentication procedures, among other technologies, to maintain the security of your online session and to protect EZ Loandocs accounts and systems from unauthorized access. All information and documents uploaded, downloaded, or transmitted through the Service are processed using secure encryption. All communications, including website and API access, are transmitted over SSL (HTTPS).
When you register for the Service, EZ Loandocs requires a password from you for your privacy and security. Your Account password is stored in our databases with one-way encryption so even we do not have access to it.
We regularly update our software and database infrastructure to incorporate patches and updates. All data is backed up on a regular basis to safeguard your data and to ensure our continued ability to provide the Service in the event of malfunction or damage to our primary production servers.
Access to your Personal Information is strictly controlled and used in accordance with EZ Loandocs’s internal privacy and security policies and practices. Our databases are protected from general employee access both physically and logically. Our staff is trained and required to safeguard your information. EZ Loandocs employees and contractors with access to your Personal Information have been selected in accordance with our privacy and security policies and are bound by confidentiality obligations. If they fail to meet these obligations, they shall be subject to discipline, including termination and criminal prosecution. No employee or contractor may store any Personal Information on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
Our data center is guarded 24/7/365 by onsite security personnel. Access requires multiple levels of authentication, including biometrics recognition procedures. The data center has security cameras that monitor both the facility premises as well as each area of the data center internally.
Each facility is unmarked so as not to draw unw anted attention. The data center is SSAE16 SOC 2 Type II certified.
Compliance Statement
EZ Loandocs LLC complies with all applicable laws. Specifically, EZ Loandocs complies with the following laws:
• E-SIGN ACT – Electronic Signatures in Global and National Commerce Act:
The E-SIGN Act is a federal act that provides a framework for electronic signatures.
• UETA – Uniform Electronic Transactions Act:
The UETA has been adopted by a majority of states. It provides a framework for electronic signatures. It is similar to the E-SIGN Act.
• GLB ACT – Gramm-Leach-Bliley Act:
The GLB Act establishes a foundation for consumer privacy.
• CCPA – California Consumer Privacy Act:
The California Consumer Privacy Act (CCPA) enhances privacy rights and consumer protection for residents of California.
• GDPR – General Data Protection Regulation:
The General Data Protection Regulation (GDPR) is a regulation in European Union law on data protection and privacy for all individuals within the European Union.