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Privacy Policy  

Echobayloans.com provides site visitors with personal loan information related to home loans, mortgage refinancing, home equity loans and lines of credit, new vehicle loans, used car loans, auto refinancing and motorcycle loans.

EchoBay Loans can be contacted at:

5933 W. Hillsboro Blvd. #169
Parkland, FL. 33067


(530) 323-6890

By visiting, using and submitting information to www.echobayloans.com, you are accepting the practices described in this Privacy Policy. Echobayloans.com appreciates that you care how information about you is collected and shared, so Echobayloans.com created this Privacy Policy in order to demonstrate our firm commitment to disclose our current policies regarding your privacy and the use of your personally identifiable information. In addition, we take further measures to prevent unauthorized interception of your personally identifiable information, as outlined in this Privacy Policy.

(1) Security
We always use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site. However, in the unlikely event that an unauthorized third party compromises Echobayloans.com's security system, Echobayloans.com is not responsible for any occurrences or damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate your submissions or transmissions to www.echobayloans.com, or your personally identifiable information.

(2) Visitor Information
We collect only the domain name, but not the e-mail address of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, and information volunteered by the consumer, such as survey information, personal information and/or site registrations.

The information we collect is used to improve the content of our Web page and to customize the content and/or layout of our page for each individual visitor.

In the event of a national emergency or other similarly urgent situation, Echobayloans.com reserves the right to fully cooperate with the requests of government authorities and agencies and disclose to those entities all website user information and databases collected, compiled and/or maintained by Echobayloans.com

(3) Cookies
Like many other Internet websites, Echobayloans.com utilizes "cookies" to automatically track and store anonymous preferential information about you as you use and navigate www.echobayloans.com. "Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored on your hard drive by your web browser. Cookies track your personal preferences and activities, but in no way contain or refer to any personally identifiable information. Information collected from users by Echobayloans.com's cookies includes, but is not limited to: (i) type of web browser; (ii) IP addresses; (iii) type of computer used; and (iv) home server domain names.

Echobayloans.com's use of cookies allows Echobayloans.com to aggregate certain information about its users. The aggregated information helps Echobayloans.com to serve you better by compiling user preferences and statistical data to improve the offerings and features of www.echobayloans.com. EchoBay Loans may use the aggregated information to, among other things: (i) develop products; (ii) improve content; (iii) track and report advertising click-throughs; and (iv) customize website layouts. Echobayloans.com may also share, loan, rent, or sell this aggregated information to its affiliates and third parties, but keep in mind that the aggregated information contains absolutely no personally identifiable information.

If you do not want www.echobayloans.com's cookies to be inserted into your hard drive, you can disable your hard drive's ability to accept and receive cookies through your web browser. However, keep in mind that if you disable your hard drive's ability to accept and receive cookies, you may not be able to fully utilize all of the features of www.echobayloans.com.

(4) Clickstream Data
We collect click-stream data and HTTP protocol elements through access logs. This information is not personally identifiable and is used for Web site and system administration including: research and development, user analysis and business decision-making.

(5) Links to Other Internet Websites on www.echobayloans.com
www.echobayloans.com may contain links to other Internet websites. This Privacy Policy applies solely to www.echobayloans.com. Echobayloans.com makes no representations or warranties about, nor is it responsible for, the privacy practices of other Internet websites. When you enter a linked Internet website, Echobayloans.com encourages you to read the privacy policy of that linked website, as its privacy policy may differ substantially from that of this Privacy Policy.

(6) Privacy Policy Updates
Echobayloans.com developed this Privacy Policy as a manifestation of our firm commitment to disclose our current privacy and confidentiality policies to you. However, the Internet is rapidly evolving. With this in mind, Echobayloans.com reserves the right to amend this Privacy Policy at any time in its sole discretion and without notice.

Any information we collect from you is subject only to our most current Privacy Policy. You are advised and encouraged to visit www.echobayloans.com on a regular basis to review our most current Privacy Policy, and review any changes that may have been made. Unless you elect to opt-out of our Privacy Policy, you agree to be bound by our most current Privacy Policy, including any changes that have been made since you originally provided Echobayloans.com with information.

If at any time you wish to opt-out of this Privacy Policy, please contact Echobayloans.com either at the postal address listed at the beginning of this Privacy Policy, or via email at:

(7) Minors
Children under the age of 18 are not eligible to use our services or transmit any personal information to us. Minors may only use this service in conjunction with a parent or guardian.

(8) Your Questions, Comments & Complaints
Echobayloans.com encourages you to provide us with feedback regarding this Privacy Policy. If you have questions, comments or concerns regarding this Privacy Policy, please email us at:

(9) Governing Law; Arbitration
This Privacy Policy is to governed and construed in accordance with the internal laws of the State of Florida, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of, or relating to, this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Broward County, Florida. You and Echo Bay Loans shall select the arbitrator, and if you and EchoBay Loans are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Echobayloans.com, and your and Echobayloans.com's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Echobayloans.com be entitled to punitive, special, indirect, or consequential damages, and both you and EchoBay Loans hereby waive your rights to any punitive, special, indirect, or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.

(10) Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.

All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by EchoBay Loans from time to time, shall survive your opting out of this Privacy Policy and the termination of this Privacy Policy.

This Privacy Policy represents the entire understanding and agreement between you and Echobayloans.com regarding the subject matter of this Privacy Policy, and supersedes all other previous agreements, understandings and/or representations regarding the same.

Avg. National Rates
30 Yr Fixed 5.78%
15 Yr Fixed 5.39%
1 Yr ARM 4.80%
WSJ Prime 6.50%
Fed Funds 3.50%

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