1st Florida State Mortgage Corporation

 

Privacy Statement

1st Florida State Mortgage Corporation is committed to protecting the privacy of our customers' nonpublic personal information. Keeping your information secure and ensuring your understanding of how we collect, use and maintain such information is important to us. We have implemented privacy policies consistent with applicable law and regulatory requirements. We also have adopted policies and procedures designed to safeguard the security and confidentiality of your records and nonpublic personal information which are consistent with applicable law and regulatory requirements.

This Privacy Statement provides our customers with basic information relating to the types of nonpublic personal information we collect, how we use the nonpublic personal information we collect, how we disclose the nonpublic personal information we collect, and how we safeguard the nonpublic personal information we collect.

From time to time, we will update this Privacy Statement to reflect changes in our policies and practices.

How We Obtain Personal Customer Information

In order to provide the many services 1st Florida State Mortgage Corporation offers, we will need to obtain and maintain certain of your nonpublic personal information. We collect nonpublic personal information about you from the following sources:

• • Information we receive from you on applications or other forms;
• • Information we receive from credit bureaus regarding your credit history and creditworthiness (such as the amount of you total debt, your payment history.
• • Information we obtain from public sources. This may include information contained in federal, state and local records such as recorded liens on your estate taxes and assessments, tax liens, etc.).

Examples of information that we may ask you to provide may include (but not be limited to) the following:

• • Name
• • Date of Birth
• • Mailing Address
• • Social Security Number
• • E-Mail address
• • Employment Information

In order to maintain accurate information about you, we ask that you update your personal information when any changes take place.

We may ask you for additional information so that we may confirm your identity. This additional personal information may be necessary to prevent fraud and to ensure that only you have access to your personal financial information.

The Collection and Use of Anonymous Data

Visitors can log on to our web site to learn about 1st Florida State Mortgage Corporation, our products and services and find out how to contact us without providing any non public personal information. We reserve the right to collect anonymous information when users access our web site. The type of information that is gathered includes, but is not limited to, the date, time of day, which pages are visited and how much time is spent on the web site. We only collect and use information about our users in the aggregate. The general information we collect enables us to serve our customers better by continually improving our site based on up-to-date usage patterns.

The Use of Cookies

We use standard web-based tracking technologies such as "cookies" and web server logs to collect information about how our site is used. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Cookies do not collect or store personal information, except information you have knowingly provided.

Credit Bureau Reports

1st Florida State Mortgage Corporation utilizes credit bureau reports in order to evaluate our customers' credit worthiness and to protect our customers from fraudulent conduct. Therefore, we may obtain a credit bureau report about you when you apply for or obtain any financial products and services from us. This information will only be utilized for such purposes.

Sharing of Personal Information

We do not disclose nonpublic personal information about our customers or our former customers to anyone, except as permitted by law or as otherwise disclosed in this Privacy Statement.

In order to provide you with access to a full range of products and services, we may share certain of your nonpublic personal information, including information about our transactions and experiences with you, with our affiliates.

We may disclose the nonpublic personal information we collect, in whole or in part, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may share your nonpublic personal information with unaffiliated third parties who perform services for us, and with unaffiliated third parties who perform services related to products and services that you already have or request from us. 1st Florida Stat Mortgage Corporation contractually requires all such third parties to maintain the confidentiality of any nonpublic personal information.

1st Florida State Mortgage Corporation will disclose nonpublic personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency, to protect against misuse or unauthorized use of our site, and/or as we, in our sole discretion, believe necessary or appropriate to defend our interests and protect our business assets, to limit our legal liability, to enforce or apply our rights and agreements, to comply with our legal and regulatory obligations or as otherwise permitted by law. In addition, we may transfer your nonpublic personal information in the event of a change of control of our company, or a transfer of the business assets to which your nonpublic personal information relates.

We are not responsible for the privacy practices of any third parties or their web sites which may differ from this Privacy Statement. We encourage you to review the privacy statement of each and every site that collects information from you in order to be informed of their privacy and security practices.

We will not sell or distribute any nonpublic personal information about you except in those circumstances listed above.

Promotional Materials That You May Receive

To advise you of special offers provided by 1st Florida State Mortgage Corporation, its affiliates or others, we may send our customers promotional materials concerning financial and other products and services that we believe might be of interest.

1st Florida State Mortgage Corporation Security

We restrict access to your nonpublic personal information to only those authorized employees and agents who have a need to know such information to provide products or services to our customers. We maintain and monitor physical, electronic, and procedural safeguards that comply with applicable law and regulatory requirements to guard your nonpublic personal information.