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Privacy Policy
Protecting Your Privacy
At Capital First Home Loans, Inc., we understand how important it is to our customers that private customer information is kept confidential. We are committed to protecting and managing your information and would like to take this opportunity to describe how Capital First Home Loans, Inc. gathers, retains, and protects the security of your information.
Your Privacy Options
You have choices as to how we contact you for marketing purposes as well as how we use your credit and personal financial information among Capital First Home Loans, Inc. companies.
If you are comfortable with the methods in which we use your information currently, there is no need to indicate your preference. We recognize, however, that you may wish to limit the ways in which we use your information for marketing, and we offer the following opt-out choices:
- You may request that we not call you.
- You may ask that we not send you information by mail.
- You may direct us not to contact you by email.
How To Change Your Privacy Options
- Write to us at Capital First Home Loans, Inc. Privacy Administration, 6454 Pearl Road, Parma Heights, Ohio 44130. Requests must include your name, address, telephone number and Social Security Number (or tax payer identification number). Incomplete information will delay or possibly prevent our ability to honor your request.
- Call a Capital First Home Loans, Inc. Customer Service Professional at 1-800-305-5552 if you have already shared with us your privacy preferences under this policy, it is not necessary to contact us again. We will continue to honor the preferences you have made.
Gathering and Maintaining Your Information
In order to assist you with your financial needs and provide you with more efficient service, it is necessary to collect and maintain certain types of customer information. We may gather and retain nonpublic personal information about you from the following sources:
- Applications or other forms that you provide to us that include information (such as your name, address, Social Security Number, tax identification number, assets, income and investment objectives).
- Reporting agencies (such as your credit worthiness and credit history).
- Information from website visits (such as Cookies).
Maintaining Accurate Information
Maintaining complete and accurate information on our customer's records is important. Capital First Home Loans, Inc. has established procedures, in accordance with reasonable industry standards, to ensure information is current, accurate, and complete. If you become aware that we may have any inaccurate information, please help us correct it by contacting a Customer Service Professional at 1-800-305-5552.
Security Practices to Protect Your Information
Your information is used strictly for business purposes. Capital First Home Loans, Inc. employees are trained to respect your privacy concerns and to safeguard your personal information. Furthermore, as technology advances, Capital First Home Loans, Inc. is continuously modifying its physical, electronic, and procedural safeguards to ensure compliance with federal and state standards and to protect your nonpublic personal information.
Online Privacy
Capital First Home Loans, Inc. is committed to protecting customers and guests who visit our website at www.WeAreLower.com. Accordingly, our website uses a variety of advanced Internet security technology, including the encryption of information that is transmitted while accessing account information over the Internet or submitting online applications by using Secure Sockets Layer (SSL) Technology. Capital First Home Loans, Inc. also uses digital certification, a unique identifier to substantiate Capital First Home Loans, Inc. Identity to your browser. 2Additionally, authentication is required when using online services to validate your identity using your Social Security Number or card number along with the password you have selected. We may collect data from your online visits, such as Cookies, to display information more effectively to you and to allow customization of your website experience. This data is encrypted for our use only and protected from third party access.
Helping You Be An Informed Customer
We also want to provide you with information about identity theft, fraud, and online threats. Our website at WWW.WeAreLower.com has educational materials on topics such as email scams, Internet auction fraud, counterfeit check overpayments, "phishing/spoofing", and malicious software. In addition, our website includes proactive steps that you can take to protect yourself, as well as instructions on what to do if you become a victim of identity theft or fraud.
Outside of Capital First Home Loans, Inc.
Capital First Home Loans, Inc. does not disclose nonpublic personal information about our customers or former customers to non-affiliated third parties, except as permitted by law for routine business reasons that include, but are not limited to the following:
- Providing information to assist us in processing your applications or managing your accounts (such as automatic mortgage loan payments from your checking account).
- Protecting the integrity and security of your records including prevention of fraud and unauthorized transactions (such as credit card companies).
- Complying with federal, state, or local laws, rules and other applicable legal requirements (such as a subpoena, garnishment or court order).
In instances in which customer information is shared, we require that third parties treat and maintain the privacy of your customer information with the same degree of diligence and careful attention as is required by Capital First Home Loans, Inc.
Within Capital First Home Loans, Inc.
In order to best serve our customers, it may be necessary for certain types of information to be accessible across Capital First Home Loans, Inc. companies. Having information available to our Title Companies, Escrow Agents and other related companies enables us to provide you with quality assistance and convenience for a variety of products and services. The type of information that may be shared includes, but is not limited to:
- Application Information (such as your name and address)
- Employment History (such as income or credit references)
- Account Balances
- Payment History (such as timeliness of payments)
- Credit Card Activity
Customer Identification Program
In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as well as trust, brokerage, insurance, and investment management accounts.
What This Means To Our Customers
When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable), and other information that will allow Capital First Home Loans, Inc. to identify you. You will also be asked to furnish your driver's license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Capital First Home Loans, Inc.
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