This is important information about your privacy.
Freedmont Mortgage Group respects the confidentiality of your nonpublic personal information. It is our ongoing responsibility to ensure that it is protected. You are encouraged to read this notice in its entirety.
At Freedmot Mortgage, one of our most important responsibilities to you, our customer, is safekeeping the confidential information you have entrusted to us and using this information in a responsible and appropriate manner. This notice will help you understand how Freedmot Mortgage responsibly uses and protects your nonpublic personal information. For purposes of this notice, nonpublic personal financial information means customer information that you provide to us or that is obtained by us in connection with financial products and services provided primarily for personal, family or household purposes that is not publicly available. The following is our continuing commitment to the responsible use and protection of your confidential information:
The Nonpublic Personal Information We Collect
In connection with providing financial products or services to you, we collect nonpublic personal information about you from the following sources:
- Information we may receive from you on applications, disclosures, forms or documents that you provide to us – for example, your employer, your income, your accounts and balances with other financial institutions.
- Information concerning your transactions with us.
- Information we receive from a consumer reporting agency – such as your creditworthiness and payment history.
Cookies and Pixel Tags
A cookie is a small data file stored by your Web browser on your computer. We also use pixel tags – tiny graphic images – to tell us what parts of our Web site you have visited or to measure the effectiveness of any searches you may do on our site.
We contract with third party advertising companies to serve ads on our behalf across the Internet. To do this, they will collect anonymous information about your visits to our Web site and your interaction with our products and services. They may also use information about your visits to this and other Web sites to target advertisements. These targeted advertisements may appear on other sites that you visit. This anonymous information is collected through the use of a cookie or pixel tag – industry standard technology used by most major Web sites. No personally identifiable information is collected in this process. To opt-out of this type of messaging, please click here.
The Personal Nonpublic Information We Share, Why We Share and With Whom
Freedmot Mortgage limits the use and sharing of your confidential information to what we believe is necessary to provide you with the financial products or services you have requested, to provide you with exceptional customer service, to detect or prevent fraud, to make available to you other financial products or services that may be of interest to you, or to share with nonaffiliated third parties as otherwise required or permitted by law. Freedmot Mortgage may be required to or may share some or all of the information that we collect about you, described above, to the following third parties or for the following purposes:
- To investors and other financial institutions to whom we may broker or sell our loans.
- To third parties in order to process, assist or service a financial product or service for us that you have requested or authorized – such as appraisers, attorneys and mortgage insurance companies.
- To other financial institutions with whom we have joint marketing agreements to enhance our financial product or service offerings – such as providing mortgage loan account information to MF&T Insurance Agency, who offers Property & Casualty Insurance to our customers on our behalf.
- To respond to a subpoena, court order or judicial process.
- To our regulators and auditors.
To pursue a proposed or actual sale, merger or transfer of all or a portion of our business or operating units.
Whenever other companies or third parties provide marketing or support services on our behalf, we require them to adhere to our confidentiality and security procedures. All joint marketing and outside service provider agreements contain a confidentiality agreement that requires those third parties to use the confidential information only to provide a product or service on our behalf. Freedmot Mortgage limits the sharing of confidential information to sharing arrangements that are exempt from customer opt-out requirements. This means the customer cannot opt-out of these sharing arrangements.
Security of Nonpublic Personal Information
We restrict access to nonpublic personal information to our employees and subcontractors who need this information to provide our products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable federal standards to guard your nonpublic personal information.
Nonpublic Personal Information of Former Customers
This notice applies to our former customers.
Changes to Privacy Notice and Practices
Freedmot Mortgage may choose to modify this notice at any time. We will notify customers and/or consumers of any modifications through the issuing of a new privacy notice, if required by law.