Privacy policy

Effective Date: March 5, 2026

Encore Finance, LLC (“Encore Finance,” “we,” “us,” or “our”) is committed to protecting the privacy of individuals who visit our website at www.encorefinance.com (the “Site”) and those who inquire about or obtain our loan products and services. This Privacy Policy describes the types of information we collect, how we use and share that information, and the choices available to you.

By using our Site or submitting information to us, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with our practices, please do not use our Site.

1. Information We Collect

1.1 Information You Provide Directly

We collect personal information you provide when you contact us, submit a loan inquiry, or otherwise interact with us, including:

Name, email address, phone number, and mailing address
Property address, property type, and estimated property value
Loan amount requested, loan purpose, and investment experience
Business entity name and structure (if applicable)
Communications you send to us, including emails and contact form submissions

1.2 Information Collected Automatically

When you visit our Site, we and our service providers automatically collect certain technical and usage information, including:

IP address and approximate geographic location
Browser type, operating system, and device identifiers
Pages visited, links clicked, time spent on pages, and referring URLs
Session recordings and heatmap data (via Hotjar)
Analytics and performance data (via Google Analytics)

1.3 Cookies and Similar Technologies

Our Site uses cookies, pixel tags, and similar tracking technologies to recognize returning visitors, understand usage patterns, and improve site performance. You can control cookie settings through your browser; however, disabling certain cookies may affect Site functionality. For more information on how Google Analytics collects and processes data, visit google.com/policies/privacy/partners.

2. How We Use Your Information

We use the information we collect for the following purposes:

To respond to your inquiries and provide information about our loan products
To process and evaluate loan applications and related transactions
To communicate with you about your account, loan status, or related matters
To improve, maintain, and optimize our Site and services
To analyze Site traffic, user behavior, and marketing effectiveness
To comply with applicable federal and state laws and regulations
To detect, prevent, and investigate fraud, security incidents, or illegal activity
To fulfill any other purpose for which you provide information or to which you consent

3. Financial Privacy Notice (Gramm-Leach-Bliley Act)

As a non-bank financial institution, Encore Finance is subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal financial information to evaluate and process loan transactions. We do not sell your nonpublic personal financial information to third parties. We share such information only as permitted by law, including with service providers that assist us in originating and servicing loans, and as required by applicable regulations. You may receive a separate financial privacy notice as required under the GLBA.

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party vendors and service providers who perform services on our behalf, including website analytics (Google Analytics, Hotjar), customer relationship management, loan processing, document storage, and IT support. These providers are contractually required to handle your data in a manner consistent with this Privacy Policy.

4.2 Business and Legal Purposes

We may disclose your information:

To comply with applicable laws, regulations, court orders, or legal process
To enforce our Terms of Use or protect the rights, property, or safety of Encore Finance, our clients, or others
In connection with a merger, acquisition, financing, or sale of all or a portion of our assets, subject to standard confidentiality obligations
With your consent or at your direction

4.3 Aggregated or De-Identified Data

We may share aggregated or de-identified information that cannot reasonably be used to identify you with third parties for research, marketing, analytics, or other purposes.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. For loan-related records, we retain information in accordance with applicable federal and state recordkeeping requirements. When we no longer have a legitimate business need to retain your information, we will delete or de-identify it in accordance with our internal data retention policies.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at info@encorefinance.com.

7. Third-Party Links and Services

Our Site may contain links to third-party websites or services not operated by Encore Finance. We are not responsible for the privacy practices of those third parties, and this Privacy Policy does not apply to them. We encourage you to review the privacy policies of any third-party sites you visit.

8. California Residents (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), may provide you with the following rights, subject to certain exceptions:

Right to Know: The categories and specific pieces of personal information we have collected about you
Right to Delete: Request deletion of personal information we hold about you
Right to Correct: Request correction of inaccurate personal information
Right to Opt-Out: We do not sell or share personal information for cross-context behavioral advertising
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your California privacy rights, please contact us at info@encorefinance.com or (888) 538-1777. We may need to verify your identity before processing your request. Note that certain information collected in connection with a financial transaction may be exempt from CCPA rights under the GLBA exemption.

9. New York Residents

Residents of New York may have additional rights under New York law, including the New York SHIELD Act, which requires us to maintain reasonable data security practices to protect the private information of New York residents. In the event of a data breach affecting New York residents, we will notify affected individuals as required by applicable law.

10. Children’s Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information. If you believe we have inadvertently collected information from a minor, please contact us at info@encorefinance.com.

11. Do Not Track

Some browsers include a “Do Not Track” (DNT) feature that signals to websites that you do not want your online activities tracked. Our Site does not currently respond to DNT signals. We will update this policy if our practices change.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other business reasons. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of the Site after any changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Encore Finance, LLC
Attn: Privacy Compliance
1909 Tyler Street, Suite 301
Hollywood, FL 33020

New York Office: 650 5th Avenue, Suite 2540, New York, NY 10019
Phone: (888) 538-1777
Email: info@encorefinance.com