FHM Privacy Policy

   FACTS

  WHAT DOES First Heritage Mortgage, LLC

  DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

•     Social Security number                                  and Credit history

•     Payment history                                            and Account balances

•     Credit scores                                                 and Transaction history

How?

All financial companies need to share Customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers personal information; the reasons First Heritage Mortgage, LLC

chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Heritage Mortgage, LLC share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes —

to offer our products and services to you

Yes

Yes

For joint marketing with other financial companies

No

We Don’t Share

For our affiliates’ everyday business purposes —

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes —

information about your creditworthiness

Yes

Yes

For our affiliates to market to you

No

We Don’t Share

For nonaffiliates to market to you

No

We Don’t Share

To limit

our sharing

•     Call 866-833-5626 — our menu will prompt you through your choice(s) or

•     Visit us online: www.fhmtg.com/optout Please note:

If you are a new customer, we can begin sharing your information  30     days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 866-833-5626

or go to www.fhmtg.com/optout

Who we are

Who is providing this notice?

First Heritage Mortgage, LLC

What we do

How does First Heritage Mortgage, LLC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also use procedural safeguards that comply with Federal standards to guard your non-public personal information.

How does First Heritage Mortgage, LLC collect my personal information?

We collect your personal information, for example, when you

•     Apply for a loan                                                            or

•     Provide account information                                        or

•     Provide employment information                                 or

•     Give us your contact information                                 or

•     Give us your wage statements

We also collect your personal information from other companies

Why can’t I limit all sharing?

Federal law gives you the right to limit only

•     sharing for affiliates’ everyday business purposes — information about your creditworthiness

•     affiliates from using your information to market to you

•     sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

•   Our affiliates include nonfinancial companies such as Stanley Martin Companies, First Excel Title, LLC, Lender Service Providers, LLC, & Samson Properties

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

•   First Heritage Mortgage, LLC does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

•   First Heritage Mortgage, LLC does not jointly market.