Privacy Policy and Disclosures

Your privacy is important to us, which is why we work hard to protect it. The information that you provide us is always kept in the strictest confidence. We have no intention of selling your non-public personal information to any non-affiliated third parties. We make this commitment to you with pride because your trust is the foundation of our business. To protect your privacy and maintain your confidence in us, we have developed the following polices. These policies describe the strict standards we have in place to protect your confidentiality. Therefore, we ask you to please read this information carefully. We will tell you the sources of non-public personal information we collect from you. We will then tell you what steps we take to protect that information. We first define some terms used in this notice:

• "We", "our" and "us" mean FIRST SECURITY MORTGAGE ASSOCIATES, INC.
• "You" and "your" mean those consumers who have provided us with non-public personal information for the purpose of determining whether he or she qualifies for a mortgage loan, and those customers who have obtained real estate settlement services from us.
• "Non-public personal information" means personally identifiable financial information about you that we collect in connection with providing a financial product or service to you. This does not include information that is available from public sources, such as government real estate records.
• "Affiliate" means a company we own or control, a company that owns or controls us or a company that is owned or controlled by the same company as us. Or an independent contractor who is also employed by us on a per-diem basis.
• "Non-affiliated third party" means a company that is not an affiliate of ours.

We collect non-public personal information about you from the following sources: information that we receive from you on applications or other forms; information about your transactions with us, our affiliates or others; and information we receive from a consumer reporting agency. We do not disclose any non-public personal information about our clients, or former clients to anyone, except as permitted by law. We restrict access to non-public personal information about you to those employees who need to know that information to provide the requested products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information. If you have any questions regarding our privacy policy, please call us at 201.935.1107.

At FIRST SECURITY MORTGAGE ASSOCIATES, INC., your privacy and security are a primary concern. The mortgage process involves communicating personal and financial data, and we understand the need for a safe and secure environment in which to share this information. We respect the trust you are giving us and do not share, rent or sell any of your information to any person or organization. If you have contacted FIRST SECURITY MORTGAGE ASSOCIATES, INC. through a partner's website, it is important to note that the partner will never see your information. All transactions take place on our servers, and we do not share or sell this information with any of our partners.

The FIRST SECURITY MORTGAGE ASSOCIATES, INC. privacy and security policies appear below. If you have any questions or concerns regarding these statements, please feel free to contact us directly and we will be most happy to discuss any causes for concern that you may have.

PRIVACY POLICY
Information we collect. When you visit FIRST SECURITY MORTGAGE ASSOCIATES, INC., or any of its affiliated websites, you complete a simple application that includes certain personal and financial information about you, including your name, phone number, social security number, email address, income and other financial information depending on your expressed loan preference. This information will not be shared or sold to any person or organization, except as authorized by you, to our authorized loan officers, or as may be required by law or court order.

If you email us, your name and other identifying information will not be sold or shared with any person or organization. However, your email address or telephone number may be used by authorized FIRST SECURITY MORTGAGE ASSOCIATES, INC employees to contact you concerning your comments or questions.

How your information is used. When you fill out a qualification form, including your name, phone number, social security number, email address, income and other financial information (depending on your expressed loan preference), we use this information to underwrite and close your loan. We may also use this information to contact you directly to collect feedback on our website and/or survey your experience. The information we collect will be used to statistically analyze the use of our site, improve the user experience, and customize the content and services offered on our website to better meet the needs of our clients. We may also use this information to send you periodic email and/or mail updates and promotional offers on products and services personalized for you. We will only send your information to other third parties whom you specifically authorize.

Limited distribution of personal information. At your direction (when you click on the "Apply" button), the information that you provide to us on the qualification form will be sent through the FIRST SECURITY MORTGAGE ASSOCIATES, INC. system and presented to our authorized loan officers and other third parties that you specifically authorize. After our authorized loan officers receive your information, they may contact you directly via phone, email or other communications.

Changing and deleting your information. To ensure that the personal and financial information you provide to FIRST SECURITY MORTGAGE ASSOCIATES, INC. is accurate and current, you may review and change this information at any time. If you wish to change, update or even delete any information, please contact us by calling us directly at 201.935.1107.

If you have any questions about privacy, security or applying online, please call us at 201.935.1107. We would be happy to take your application over the phone.

Any changes to our privacy promise will be communicated through the FIRST SECURITY MORTGAGE ASSOCIATES, INC. website at least 30 days in advance of implementation. Information collected before changes are made will be secured according to the privacy policy in effect prior to the change. 

COPYRIGHT NOTICES
The content contained in the FIRST SECURITY MORTGAGE ASSOCIATES, INC. website (the "Website"), including but not limited to, all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by FIRST SECURITY MORTGAGE ASSOCATES, INC. . or one of its affiliates, and is subject to copyright with all rights reserved. You may save or print out certain pages and/or sections of the Website, provided that you do not remove any copyright or other proprietary notices. You may not otherwise reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the Website, or any portion thereof, without the prior written permission of FIRST SECURITY MORTGAGE ASSOCIATES, INC.