Privacy
and Security
Notice of Privacy and Security
at First Guaranty Mortgage Corporation
At First Guaranty, a national leader in
the home loan industry, our primary focus
is on empowering you to meet your homeownership
goals through an unparalleled variety of
products and services. The purpose of this
section is to explain how First Guaranty
protects and uses your personal information
when and after you obtain a home loan from
us. We want you to know that information
given to us is safe, secure and used in
a responsible manner.
To offer you all the greatest advantages
as a First Guaranty customer, we find that
sharing limited amounts of your personal
information within our First Guaranty family
and with well-respected, carefully selected
business partners enables us to offer you
personalized products and services at lower
costs and/or much greater convenience than
otherwise would be possible.
Your
Protection is Our Priority
The type of information we collect:
Throughout the process of you obtaining
a mortgage loan with us, we collect nonpublic
personal information about you from several
sources. Some of these sources are:
- Information we receive from you on mortgage
loan applications and other forms (such
as your phone, social security and
account numbers, assets, income and employment
history)
- Information about your transactions
with other lending institutions or creditors
(such as your loan balances, payment
histories
and other account information)
- Information
we receive from third parties (such as
from a credit reporting agency
that addresses your creditworthiness
and credit history)
- Information we obtain
from others to verify the information
you have provided to us
(such as your employment history and
other relationships with third parties)
- Information
collected from our Internet web sites
(such as information you provide
to us and information necessary to
manage your online session with us)
Our disclosure of such information:
We do not disclose any nonpublic information
about you to anyone, except as permitted
by law or permitted by you.
Permitted by law:
By way of example, we are legally permitted
to share nonpublic personal information
with third parties, such as credit reporting
agencies, federal and state regulators
and loan investors, relative to matters
such as originating, processing, closing
or servicing your mortgage loan, validly
issued subpoenas, a fraud or other type
of quality control investigation, an
audit or other examination, or the sale
of your mortgage loan to another institution.
Permitted by you:
Further, and to make additional products
and services available to you, often
at substantial savings, we may prudently
share some nonpublic personal information
about you with certain business partners
under agreements requiring that such
information be kept confidential. By
way of example, we may periodically extend
offers to you that pertain to real estate
brokerage services, insurance, credit
cards, home furnishings and accessories,
home security systems, utility hookup
service facilitators and the like. With
regard to the sharing of the information,
please refer to the paragraph captioned
you have choices below.
If you decide to pay off your mortgage
loan with us, or your relationship becomes
inactive, we will continue to treat the
information we have collected about you
in accordance with this Notice.
How we protect that information:
Since specific information is required
in order to utilize fgmc.com's Prequalification
Application, securing your privacy is
our first priority. That's why the fgmc.com
web site is designed with the most advanced
technology and security measures. Data
transmitted through fgmc.com, including
all personal information you submit,
is encrypted using Secure Socket Layer
(SSL) technology to make your connection
to the server completely confidential.
Using the site requires a SSL-capable
browser such as MS Internet Explorer
4.0 (or later) and Netscape Navigator
4.0 (or later).
SSL technology ensures that only you,
fgmc.com and our participating mortgage
consultants, upon your authorization, can
access the information you submit. The
data you provide is immediately translated
into code, and can only be decoded by fgmc.com.
SSL confirms the identity of the originating
computer terminal and the recipient terminal,
preventing unauthorized interception. fgmc.com's
security technology is certified by Verisign,
a leading online authentication service.
We restrict access to your personal information
to those employees who need to know that
information so that they may provide our
mortgage loan products and services to
you. We maintain physical, electronic and
procedural safeguards that comply with
federal regulations to protect the disclosure
of your nonpublic personal information.
Key
reasons to Feel Secure at First Guaranty
- Technology leader using sophisticated,
industry-leading data-encryption software
- Physical
safeguards and quality controls help ensure
the security and confidentiality
of our customers' personal financial
information
- Responsible information-sharing within
the First Guaranty family of companies
allows us to save you time and offer
valuable financial products and services
- Well-respected, carefully screened companies
contract to maintain the confidentiality
of your information when offering
special benefits, discounts and conveniences
that may otherwise be unavailable
- Choice and control over information
use
- A database to honor our customers' privacy
preferences across the First Guaranty
family.
- Well-trained employees committed to
keeping your personal information secure
For loans to multiple borrowers, we will
treat an opt out by any borrower as
applying to all borrowers on the loan.
Please
be aware that even if you decide to
opt out, First Guaranty will continue
to
share non-public personal information
with companies as required or permitted
by law (such as to credit reporting
agencies or regulators).
During the loan application process,
you'll be provided with a privacy notice
that
includes a toll-free phone number to
call if you decide to exercise either
of the
opt out choices. Or, if you have any
questions about our privacy policy,
please send an
email message to: webmaster@fgmc.com.
In today's ever-changing, competitive
market, opting out may mean missing timely
information about money-saving products
and services that help you accomplish your
homeownership or other financial goals.
It's something to think about carefully.
We don't want you to miss out on any opportunities.
You have choices:
We respect your right to privacy and give
you control of how your non-public personal
information may be shared with our business
partners. If you wish to receive offers
from our well-respected and carefully
screened business partners, you need
do nothing. If you wish to limit the
sharing or such information, please submit
a communication in writing. Your letter
should indicate that you do not with
to receive information from our business
partners about new services of special
offers for which, as a First Guaranty
customer, you may be eligible.
Correspondence should be sent to:
First Guaranty Mortgage Corporation
Attention: QC Department
8180 Greensboro Drive
Suite 500
McLean, VA 22102
To insure the accuracy of your request,
please provide your full name(s), address,
social security number and telephone
number.
For loans to multiple borrowers,
we will treat a request to limit
the sharing of
such information from any one borrower
as applying to all borrowers.
Our commitment: We will continue to maintain
our dedication to protecting your privacy.