Privacy Policy

1. Statement of Purpose

Essent Guaranty, Inc., its subsidiaries and its U.S. affiliates (collectively referred to as “Essent”) have prepared this Privacy Policy (the “Policy”) in order to explain how it collects, uses and protects information it obtains via this website.  By using this website, you consent to our collecting, using, and disclosing your information consistent with the privacy practices described in this Policy.  We encourage you to read this Policy in full to understand our privacy practices before using this website or submitting any personal information.

2. Scope of This Policy

This Policy applies to information collected by Essent through its website at www.essent.us (the “website”).  This Policy does not apply to information pertaining to employees of Essent or to any service provider or commercial entity. This policy does not apply to Essent’s MI Online ordering portal.

3.  Information We Collect

When you visit our website, we may collect the following information from you:

  • Contact information, such as your name, home or other physical address, email, telephone number, organization name, and/or job title.
  • Information you provide to us in connection with requests for promotional consideration, educational offerings or credit counseling.
  • Any other information you provide to us. 

We may combine such information with information we already have about you. 

When you visit our website, we also may automatically collect the following information:

  • Web logging: Like many other websites, we automatically collect and store log file information such as IP addresses, browser type, internet service provider, referring/exit pages, operating system, date/time stamp and/or clickstream data.  We do not link this automatically collected data to other information we collect about you.
  • Cookies, web beacons, and other technologies: We and our subsidiaries, business partners, marketing partners, affiliates, or service providers use technologies such as cookies, beacons, tags, and scripts.  These technologies are used in analyzing trends and use of the site, remembering users’ settings, administering the site, and better understand our users’ preferences and interests.  We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.  Your browser may allow you to control the use of cookies, but these browser controls might not apply to all technologies.  If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. We do not respond to web browser “Do Not Track” signals.

4.  How We Use Information

Essent may use information for the following purposes:

  • To protect the security and integrity of our products and services or otherwise enforce Essent’s rights;
  • To administer promotions which customers or consumers elect to participate in;
  • To communicate with you and respond to your inquiries, requests, and applications and/or send important notices;
  • To respond to government regulator requests for information;
  • To provide any other services requested;
  • As otherwise necessary or appropriate in connection with our business; and

As otherwise may be disclosed at the time of collection.

5. Disclosure of Information by Essent

Essent does not sell your information to third parties.  When possible, information will be masked or otherwise de-identified prior to being disclosed to any third party.  Essent may share information in the following circumstances: 

  • Among our various businesses and affiliated companies.
  • To third parties that provide services to help us with our business activities.  These third parties are authorized to use information only as reasonably necessary to provide these services to us. These third parties are subject to restrictions against further disclosure.
  • When reasonably necessary to protect our rights or property, protect your health and safety or the health and safety of others, investigate fraud, or respond to a government request or the request of a government-sponsored enterprise.
  • As required by law, such as to comply with a subpoena or similar legal process.
  • In the event Essent is involved in a merger, acquisition, or sale of all or a portion of its assets, or in the unlikely event of bankruptcy.
  • With your prior consent

6. Safeguarding Information

Essent uses reasonable physical, technical, and administrative safeguards to protect information from unauthorized access, use, loss, misuse, or unauthorized alteration.  Notwithstanding these security safeguards, it is impossible to guarantee 100% security in all circumstances.

7. Retention of Information

Essent retains information for as long as it is reasonably useful for commercial purposes or to maintain the integrity of Essent’s books and records.  Essent also retains information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

8. International Users

Essent maintains information in the United States of America and in accordance with the laws of the United States, which may not provide the same level of protection as the laws in your jurisdiction.  By using the website and providing us with information, you understand and agree that your information may be transferred to and stored on servers located outside your resident jurisdiction and, to the extent you are a resident of a country other than the United States, that you consent to the transfer of such data to the United States for processing by us in accordance with this Privacy Policy.

9. Notice of Material Changes to Essent's Privacy Policy

This Privacy Policy may change from time to time.  Essent’s current Privacy Policy will be posted on Essent’s web site at www.essent.us.  A copy of the Policy may also be obtained by written request sent to the address below.

10. Contact Information

Questions or concerns regarding Essent’s Privacy Policy or practices should be directed to any of the following:

Chief Compliance Officer 

Essent Guaranty, Inc.
Two Radnor Corporate Center, 3rd Floor
100 Matsonford Road

Radnor, PA 19087