Privacy Policy

Information We Collect

We collect information you voluntarily provide when you contact us, request a quote, or apply for a loan. This may include:

• Full name, mailing address, email address, and phone number
• Employment information, income, and asset documentation
• Social Security number (collected only through our secure application portal)
• Property information related to your loan request

We may also automatically collect certain technical information when you visit our website, including IP address, browser type, pages visited, and referring URLs through cookies and standard web analytics tools.

How We Use Your Information

Information you provide is used to:

• Process and evaluate mortgage loan applications
• Communicate with you about your application, rate quotes, and loan status
• Provide educational resources and respond to inquiries
• Send marketing communications (with your consent — you may opt out at any time)
• Comply with federal and state regulatory requirements, including RESPA, TILA, and applicable Florida statutes

We do not sell your personal information to third parties.

Who We Share Your Information With

In the course of processing your mortgage application, we may share your information with:

• Wholesale lenders and mortgage investors reviewing your loan
• Credit reporting agencies
• Title companies, appraisers, and other settlement service providers
• Regulatory and government agencies as required by law

All third parties with whom we share data are required to maintain appropriate protections for your information.

Your Financial Privacy Rights (Gramm-Leach-Bliley Act)

As a licensed mortgage broker, First Look Home Loans is a financial institution under the federal Gramm-Leach-Bliley Act (GLBA). The following describes how we treat the nonpublic personal information (“NPI”) you share with us when you inquire about or apply for a mortgage. This section supplements — and does not replace — the practices described elsewhere in this policy.

What we mean by nonpublic personal information. NPI is personally identifiable financial information that is not publicly available — for example, the income, employment, asset, and account details you provide on an application, the Social Security number you submit through our secure portal, and information we receive from consumer reporting agencies such as your credit report. It does not include information that is lawfully made publicly available.

How we use your NPI. We use your nonpublic personal information only to evaluate, process, underwrite, and arrange the mortgage financing you request, to communicate with you about your application and loan, and to satisfy our legal, regulatory, and recordkeeping obligations. We do not sell your nonpublic personal information.

How and why we share your NPI. To arrange and process your loan, we share nonpublic personal information with nonaffiliated third parties only as permitted by law — including the categories of recipients described in “Who We Share Your Information With” above (such as wholesale lenders and investors, credit reporting agencies, title companies, appraisers, and other settlement service providers), and with government or regulatory authorities where required. These disclosures fall within the GLBA exceptions that permit sharing necessary to provide and service the financial product you have requested.

Your right to limit sharing. Federal law gives consumers the right to limit some — but not all — sharing of their nonpublic personal information. Because we share your NPI only as necessary to process and service the loan you requested and as otherwise permitted or required by law, our sharing is not subject to a consumer opt-out.

How we protect your NPI. Consistent with the GLBA Safeguards Rule, we maintain administrative, technical, and physical safeguards designed to protect your nonpublic personal information against unauthorized access, use, or disclosure. Sensitive information such as your Social Security number is collected only through our secure application portal, access to your information is limited to personnel and service providers who need it to perform their work, and we require the third parties who receive your information to protect it.

Former applicants and customers. We continue to apply these privacy and safeguarding practices to your nonpublic personal information even after your application is complete or you are no longer an active customer, for as long as we retain that information.

Cookies and Analytics

Our website uses cookies and similar tracking technologies to improve your experience and analyze site traffic. We may use tools such as Google Analytics to understand how visitors interact with our site. You can disable cookies in your browser settings; however, some features of the site may not function properly without them.

Your Rights and Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to legal retention requirements
• Opt out of marketing communications at any time

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us using the information below.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take steps to delete it.

Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.

Contact Us

Privacy-related questions: info@firstlookhomeloans.com | (904) 863-3977 | 4605 Hwy 17 Ste. 2, Fleming Island, FL 32003

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