Privacy Policy

Please read this Privacy Policy carefully before using this Website.

LoanOfficerRecruiting.com is powered by The EMAC Group LLC (EMAC) and is committed to protecting the privacy of our online visitors. We collect information from online visitors who ask to be on our newsletter mailing list and receive periodic email announcements. Anyone who wishes can choose to be removed from our mailing list at any time. 

EMAC (“Company,” “we,” or “us”) owns the website and its content. The term “you” refers to the user or viewer of our Website (“Website”).

This Privacy Policy describes how we collect, use, process, and distribute your information, including Personal Data (as defined below) used to access this Website. We will not use or share your information with anyone except as described in this Privacy Policy. The use of information collected through our Website shall be limited to the purposes under this Privacy Policy and our Terms of Use for consumers.

Please read this Privacy Policy carefully. We reserve the right to change this Privacy Policy on the Website at any time without notice. In the event of a material change, we will inform you via email and a prominent notice on our Website.

Use of any personal information or contribution you provide to us, or collected by us on or through our Website or its content, is governed by this Privacy Policy. By using our Website or its content, you consent to this Privacy Policy, whether or not you have read it.

Information We May Collect

We collect and process Personal Information about you when you interact with us and our services and when you subscribe to any of our paid or unpaid services. This may include:

  • your first and last name;
  • your email address;
  • your phone number;
  • your payment details (including billing address, credit card details, and where you purchase from us);
  • your location or mailing address;
  • your photograph;
  • your marketing preferences, including any consents you have given us;
  • information related to the browser or device you use to access our website (including your IP address);
  • any information we collect online from you and maintain in association with your account, such as your username and password;
  • your subscription status with newsletters;
  • public information about the social media accounts you associate with your account;
  • your direct message contents and metadata;
  • any other information you provide us when communicating with us.

We may also collect information about you when one of our users syncs their address book with our app for contact syncing. This information collection is strictly limited to email addresses and phone numbers, and any information collected in this manner is securely stored only as hashed values.

Finally, we also collect information on how our website is used via Cookies. Please see the section “Cookies” below for more details.

How does EMAC use your Personal Information?

We process this Personal Information for the following purposes:

  • For example, to establish and fulfill a contract with you when subscribing to a subscription Service. This may include verifying your identity, taking payments, communicating with you, and providing customer service.
  • As required by EMAC to enable our business and pursue our legitimate interests. In particular, we use your Personal Information for the following purposes:
    • to provide services you have requested and respond to any communications, comments, or complaints you send us;
    • to monitor the use of our services and to help us monitor, improve, and protect our services, content, and website;
    • allow you to create, maintain, customize, and secure your account with us;
    • to personalize our services for you and provide recommendations;
    • to monitor any user accounts to prevent, investigate, or report fraud, misrepresentation, terrorism, security incidents, or crime in accordance with applicable law;
    • to invite you to take part in surveys or market research;
    • to facilitate contact syncing between users who opt into our app’s contact syncing functionality;
    • Where our use of Personal Information is made pursuant to balancing our legitimate interests with your privacy interest, we will provide more information about our balancing analysis and process on request. Please send any such requests to privacy@substackinc.com.
  • Compliance with applicable laws and protection of Substack’s legitimate business interests and legal rights, including but not limited to use in legal claims, compliance, regulatory, and investigative purposes (including disclosure of such information in connection with legal process or litigation).
  • In addition, with your consent (if required), we will send you direct marketing communications regarding our relevant services or other services provided by us, our affiliates, and carefully selected partners. You can withdraw your consent at any time (“opt out”); see the section below. For electronic direct marketing, you can opt out by following the instructions in the communication.

Please note that the information above (“Personal Data”) you give us is voluntary. By providing this information, you consent to our use, collection, and processing of this Personal Data. You are welcome to opt out or request that we delete your Data at any point by contacting us at info@theemacgroup.com.

If you choose not to provide us with certain Personal Data, you may be unable to participate in certain aspects of our Website or Content.

Other Information We May Collect

  1. Anonymous Data Collection and Use
    To maintain our website’s high quality, we may use your IP address to help diagnose problems with our server, administer the website by identifying which areas of the website are most heavily used, and display content according to your preferences. Your IP address is the number assigned to computers connected to the Internet. This is essentially “traffic data,” which cannot personally identify you but is helpful to us for marketing purposes and for improving our services. Traffic data collection does not follow a user’s activities on any other websites in any way. Anonymous traffic data may also be shared with business partners and advertisers on an aggregate basis.
  2. Use of “Cookies”
    We may use the standard “cookies” feature of major web browsers. We do not set any personally identifiable information in cookies or employ any data-capture mechanisms on our Website other than cookies. You may choose to disable cookies through your own web browser’s settings. However, disabling this function may diminish your experience on our Website, and some features may not work as intended.

What We Do with the Information We Collect

  1. Contact You
    We may contact you with information that you provide to us based on these lawful grounds for processing:
    a) Consent. We may contact you if you give us your explicit, unambiguous, affirmative consent to contact you.
    b) Contract. We will contact you under our contractual obligation to deliver the goods or services you purchase from us.
    c) Legitimate Interest. We may contact you if you are interested in hearing from us. For example, if you sign up for a webinar, we may send you marketing emails based on the content of that webinar. You will always have the option to opt out of any of our emails.
  2. Process Payments
    We will use the personal data you give us to process your payment for purchasing goods or services under a contract. We only use third-party payment processors that take the utmost care in securing data and comply with the GDPR.
  3. Targeted Social Media Advertisements
    We may use the data you provide to run social media advertisements and create look-alike audiences for advertisements.
  4. Share with Third Parties
    We may share your information with trusted third parties, such as our newsletter provider, who will contact you via email, our merchant accounts to process payments, and Google / social media accounts to run advertisements and our affiliates.

Viewing by Others

Note that whenever you voluntarily make your Data available for viewing by others online through this Website or its content, it may be seen, collected, and used by others. Therefore, we cannot be responsible for any unauthorized or improper use of the information that you voluntarily share (i.e., sharing a comment on a blog post, posting in a Facebook group that we manage, sharing details on a group coaching call, etc.).
Submission, Storage, Sharing, and Transferring of Personal Data

Personal Data you provide us is stored internally or through a data management system. Your Data will only be accessed by those who help to obtain, manage, or store that information or who have a legitimate need to know such Personal Data (i.e., our hosting provider, newsletter provider, payment processors, or team members).
It is important to note that we may transfer data internationally. By using our Website and providing us with your Personal Data, you consent to these transfers following this Privacy Policy.
Data Retention

We retain your Data for the minimum amount of time necessary to provide you with the information and services that you requested from us. We may include certain Personal Data for extended periods if necessary for legal, contractual, and accounting obligations.
Confidentiality

We aim to keep the Personal Data that you share with us confidential. Please note that we may disclose such information if required to do so by law or in the good-faith belief that (1) such action is necessary to protect and defend our rights or property or those of our users or licensees, (2) to act as immediately necessary to protect the personal safety or rights of our users or the public, or (3) to investigate or respond to any actual or perceived violation of this Privacy Policy or of our Disclaimer, Terms and Conditions, or any other Terms of Use or agreement with us.
Passwords

You may need a username and password to use certain features of the Website or its content. You are responsible for maintaining the confidentiality of usernames and passwords and for all activities, whether by you or others, that occur under your username or password and within your account.

Through your account settings, you may access and, in some cases, edit or delete the following information you’ve provided to us:

  • name and password
  • email address
  • user profile information, including images you may have uploaded to the site

The information you can view, update, and delete may change as the services change. If you’d like to delete your account, you can do so from your account page.

We cannot and will not be liable for any loss or damage arising from your failure to protect your username, password, or account information. If you share your username or password with others, they may be able to obtain access to your Data at your own risk.

You agree to notify us immediately of any unauthorized or improper use of your username or password or any other security breach. To help protect against unauthorized or improper use, make sure that you log out at the end of each session, requiring your username and password.

We will do our best to keep your username and password(s) private. We will not otherwise share your password(s) without your consent, except as necessary when the law requires it or in the good faith belief that such action is needed, mainly when disclosure is required to identify, contact, or bring legal action against someone who may be causing injury to others or interfering with our rights or property.
How You Can Access, Update, or Delete Your Data

You have the right to:

  1. You can request information about how your Personal Data is being used and a copy of what Personal Data we use.
  2. Restrict processing if you think the Personal Data is inaccurate, unlawful, or no longer needed.
  3. Rectify or erase Personal Data and receive confirmation of the rectification or erasure. (You have the “right to be forgotten”).
  4. Withdraw your consent at any time to the processing of your Personal Data.
  5. Complain to a supervisory authority if you feel we are using your data unlawfully.
  6. Receive Personal Data portability and transference to another controller without our hindrance.
  7. Object to our use of your Personal Data.
  8. Not be subject to an automated decision based solely on automatic processing, including profiling, which legally or significantly affects you.

Unsubscribe

You may unsubscribe from our e-newsletters or updates anytime by clicking the unsubscribe link in the footer of all email communications. If you have questions or are experiencing problems unsubscribing, please contact us at info@theemacgroup.com.
Security

We take commercially reasonable steps to protect the Personal Data you provide to us from misuse, disclosure, or unauthorized access. We only share your Personal Data with trusted third parties who use the same level of care in processing it as we do. That being said, we cannot guarantee that your Personal Data will always be secure due to technology or security breaches. Should there be a data breach we are aware of, we will inform you immediately.
Anti-Spam Policy

Our no-spam policy allows you to opt out of our communications by selecting the unsubscribe link at the footer of all e-mails. We have taken the necessary steps to comply with the CAN-SPAM Act of 2003 by never sending out misleading information. We will not sell, rent, or share your email address.
Third-Party Websites

We may link to other websites on our Website. We have no responsibility or liability for the content and activities of any other individual, company, or entity whose website or materials may be linked to our Website or its content, and thus, we cannot be held liable for the privacy of the information on their website or that you voluntarily share with their website. Please review their privacy policies for guidelines on how they respectively store, use, and protect the privacy of your Personal Data.
Children’s Online Privacy Protection Act Compliance

We do not collect information from anyone under 18 in compliance with COPPA (Children’s Online Privacy Protection Act) and the GDPR (General Data Protection Regulation of the EU). Our Website and its content are directed to individuals at least 18 years of age.
Notification of Changes

We may use your Data, such as your contact information, to inform you of changes to the Website or its content or, if requested, to send you additional information about us. At our sole discretion, we reserve the right to change, modify, or otherwise alter our Website, its content, and this Privacy Policy at any time. Such changes and modifications shall become effective immediately upon posting our updated Privacy Policy. Please review this Privacy Policy periodically. Continued use of any information obtained through or on the Website or its content following the posting of changes and modifications constituted acceptance of the revised Privacy Policy. Should there be a material change to our Privacy Policy, we will contact you via email or by a prominent note on our Website.
Data Controller and Processors

We are the data controllers as we collect and use your Data. We use trusted third parties as our data processors for technical and organizational purposes, including payments and email marketing. We make reasonable efforts to ensure our data processors are GDPR compliant.
If you have any questions about this Privacy Policy, please contact us at info@theemacgroup.com.

Contacting Us

We can be reached by:
E-mail: info@theemacgroup.com

Last Updated: March 2024