1. Mortgages First collects personal information from when you complete an on-line application or other forms. Mortgages First may combine this information about you with other information obtained from business partners, such as information received from a consumer reporting agency.

2. Mortgages First automatically receives and records information in server logs from your browser including DIP Address, web site cookie information, and the specific page requested.

3. Mortgages First does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or required.

4. We may disclose the following information to companies that perform services on our behalf or to other financial institutions with whom we have established business relationships including:
     o  Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
     o  Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;
     o  Information we receive from a consumer reporting agency, such as your credit worthiness and credit history.

5. Any changes to our privacy promise will be communicated through the web site at least 10 days in advance of implementation. Information collected before changes are made will be secured according to the old privacy policy.

Policy Effective Date: July1, 1998
 
About Internet Security

When you visit a web site, a small file called a "cookie" may be saved to your computer's hard drive during your visit. When you revisit the site, the web site's server may open the cookie file and access the stored information. You can usually set your browser to limit or let you know about cookies that web sitete places on your computer.

Recent versions of most internet browsers support the encrypted transmission of online documents and the data you enter on a web page. This means that instead of sending readable text, both your browser and thweb sitete's secure server encode all text using a security key. That way, personal data sent to your browser or data you send back would be extremely difficult to decode in the unlikely event it was intercepted by an unauthorized party. The key used for encoding is a random number that is unique to your session at the secweb sitesite.

There are two grades of internet security: International-grade encryption uses a 40-bit random number negotiated between your browser and the web-server. This means that only one out of about 1,000,000,000,000 possible decoding keys can be used to decipher your data. Domestic-grade encryption uses a 128-bit key, so that the number of possible keys is vastly larger. Mortgages First, LLC uses the highest grade of encryption supported by your browser and your internet connection.

How To Contact Us

Should you have other questions or concerns about these privacy policies or internet security, please call us at 570-402-1086.