Privacy Policy

PRIVACY POLICY NOTICE

First Class Mortgage II, Inc.

Privacy Policy

First Class Mortgage II, Inc. (“First Class”) has adopted a privacy policy that will help keep your financial information private and secure. This policy applies to products or services which we provide primarily for your personal, family, or household purposes. We have taken the steps described in this Notice to protect your privacy.

Definitions

1. “We,” “us” and “our” mean First Class.
   
2. “Federal Privacy Act” means the privacy provisions in Title V of the Gramm-Leach-Bliley Act and also includes the applicable federal privacy regulations issued under that Act.
3. “Customer” means an individual consumer who has a continuing relationship with us under which we provide the consumer one or more financial products or services within the meaning of the Federal Privacy Act that are to be used primarily for personal, family, or household purposes (or that individual’s legal representative).
4. “Consumer Report” means any written, oral, or other communication from a consumer reporting agency which bears on a consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for: (a) credit or insurance to be used primarily for personal, family, or household purposes; (b) employment purposes; or (c) any other purpose authorized under section 604 of the Fair Credit Reporting Act.
5. “Customer Information” means our personally identifiable financial information about a consumer that is considered “non-public personal information” within the meaning of the Federal Privacy Act.

What Information We Collect About You

We collect customer information about you from sources such as the following:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from an outside company, such as a consumer report from a credit bureau, providing your credit history or employment verification.

What Information We Disclose About You

We do not and will not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Employee Access to Customer Information

Our employees are trained to respect customer privacy and to access customer information only when they have a business reason to know the information.

Confidentiality and Security

We have adopted and implemented a privacy policy to help protect your customer information as required by law.