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We understand there is certain
information you do not want to share with everyone. And we are just as concerned
about safeguarding the information you provide to us. That is why 1stMortgages.com LLC. and/or ITs FX Inc. (owner of 1stMortgages.com, 2ndMortgages.com,
BlemishedCredit.com, CoopLender.com and WholeSaleFunding.com) have adopted these
privacy principles and guidelines. We value the trust you have placed in us and
are committed to earning and maintaining your confidence. This privacy policy
describes the kinds of information we collect from our customers, how we use
that information, and the limited circumstances under which we will share it
with third parties. Information Collection 1stMortgages.com LLC
and/or ITs FX Inc. will only collect information about you that we reasonably
believe will be necessary or useful in processing or administering products or
services that you have requested from us. We will also collect information in
order to notify you about products; services and other opportunities we think
will be of interest to you. This information may be collected from a variety of
sources, such as the following: (1) information provided by you , (2)
information obtained from non-affiliated third parties , and (3) information
about your transactions with us, our affiliates or others. Maintenance of Accurate
Information We work hard to ensure your
information is as accurate, current and complete as possible. If you ever find
that our records are inaccurate or not current, please contact us at the
telephone number on your account statement. If the record is within our control,
we will correct any inaccurate or incomplete information. Security Procedures to
Protect Customer Information Access to our systems
containing nonpublic personal information is only to those employees who need it
for the purpose of providing products or services to our customers. In addition,
we maintain physical, electronic, and procedural safeguards that are designed to
comply with federal guidelines concerning the security of nonpublic personal
information. Information Sharing
Within Our Affiliated Family of Companies There are times where we
will need to share a portion of your 1stMortgages.com LLC and/or ITs FX Inc.
account information with certain affiliated companies that either currently
exist or that we may create in the future. However, we will only do so in order
to provide you with superior service, inform you of product and service
opportunities that may be of interest to you, improve and develop our products
and services, or perform other business functions. Affiliated companies may be
financial services providers, including consumer and mortgage banking companies,
life and casualty insurance companies, insurance agencies, securities brokerage
firms, trust companies, and companies that provide settlement services, such as
title agencies, escrow companies and appraisal firms. An "affiliated
company" or "affiliate" is a company that we own or control, or
that is owned or controlled by our parent holding company. The information we
may provide to these affiliates includes (i) identifying information, such as
your name, address and social security number, and (ii) information about the
financial product or service you obtain from us, such as your deposit balance,
investment history, loan balance and/or payment history, as applicable. Under
the federal Fair Credit Reporting Act, we are permitted to share this
information within our affiliated family of companies. Information Sharing With
Unaffiliated Third Parties Unlike some other companies,
1stMortgages.com LLC and/or ITs FX Inc. does not sell customer lists or other
information about our customers to unaffiliated parties. Moreover, we do not in
any manner share customer information with unaffiliated third parties except as
described below or as otherwise expressly permitted by law. In order to
efficiently and cost-effectively market our own products, we contract with
companies providing marketing and solicitation services, such as printers,
marketing fulfillment firms and other companies. As part of these activities, we
may provide limited information about our customers to such parties. In
addition, we may occasionally engage in joint marketing with unaffiliated
institutions for various products and services that 1stMortgages.com LLC
and/or ITs FX Inc. does not offer on its own, but we think will be of interest
to our customers. In such cases, 1stMortgages.com LLC and/or ITs FX Inc. will
always be identified in the joint marketing materials or solicitation. We may
disclose all of the information we collect (described in "Information
Collection" above) to the companies that perform marketing services on our
behalf or to other financial institutions that have joint marketing agreements
with us. Our agreements with these companies are subject to confidentiality
provisions and restrictions that prohibit using the information beyond the
performance of the specified services or in connection with the jointly marketed
product or service. Our Former Customers Rest assured that even if
you are no longer a customer of 1stMortgages.com LLC and/or ITs FX Inc., we
will continue to treat the information we have with the same level of
confidentiality. We appreciate your business and want you to understand our
commitment to maintaining the privacy of your personal information, as expressed
in this Privacy Policy. This Privacy Policy applies to individual consumers. We
reserve the right to amend the policy at any time. Regarding Cookies To provide better service
and a more effective Web site, we use "cookies" as part of our
interaction with your browsers. A "cookie" is a small text file placed
on your hard drive by our Web Page Server. Our cookies cannot retrieve any other
data from your hard drive, pass on computer viruses, or capture your e-mail
address. Cookies are commonly used on Web sites and do not harm your system. We may use cookies to
record information about We use cookies in places
where you need to register, such as Internet banking, or where you are able to
customize the information you see. Recording a cookie at such points makes your
online experience easier and more personalized.
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