Updated: May 5th, 2023
The content in this disclaimer may be subject to change without prior notice.

This privacy notice for SFMC, LP (doing business as Service First Mortgage) (“Service First Mortgage,” “we,” “us,” or “our”), describes how and why we might collect, store, use, and/or share (“process”) your information when you use our website (“Website”), such as when you visit our website at https://sfmc.com/, or any website of ours that links to this privacy notice.

Questions or concerns? Reading this privacy policy will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Website. If you still have any questions or concerns, please contact us at compliance@sfmc.com.

SUMMARY OF KEY POINTS

What personal information do we process? When you visit, use, or navigate our Website, we may process personal information depending on how you interact with Service First Mortgage and the Website, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We do not process sensitive personal information on our website.

How do we process your information? We process your information to provide, improve, and administer our Website, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do you exercise your rights? The easiest way to exercise your rights is by visiting https://sfmc.com/contact/, and contacting us by phone or the webform. We will consider and act upon any request in accordance with applicable data protection laws.

1. WHAT INFORMATION DO WE COLLECT?

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our services and Website, when you participate in activities on the Website, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Website, the choices you make, and the features you use. The personal information we collect may include the following:

  • names
  • phone numbers
  • email addresses
  • contact preferences
  • additional information provided by you to provide services

Sensitive Information. We collect sensitive information when you use our secure loan application website or process payments. Unless you are a government agent who must go through security clearance and background checks, a loan application is probably the most detailed information-gathering process that you will encounter as an ordinary citizen. As a mortgage company, we are aware of the concerns you may have during this process. We will protect the sanctity of your trust by using your loan application information only and exclusively for the purpose of obtaining a mortgage.

Payment Data. We may collect sensitive data necessary to process your payments, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is stored by Authorize.net. You may find their privacy notice link(s) here: https://usa.visa.com/legal/privacy-policy.html.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Website.

We automatically collect certain information when you visit, use, or navigate the Website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Website, and other technical information. This information is primarily needed to maintain the security and operation of our Website, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies. The information we collect includes:

  • Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Website. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
  • Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Website. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Website.

2. HOW DO WE PROCESS YOUR INFORMATION?

We process your information to provide, improve, and administer our Website, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Website, including:

  • To deliver and facilitate delivery of Website to the user. We may process your information to provide you with the requested service.
  • To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
  • To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Website.
  • To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.
  • To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
  • To evaluate and improve our Website, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Website, products, marketing, and your experience.
  • To create service profiles. We will occasionally compile statistics and other metrics across our customer base, but none of this information will contain personally sensitive information. For example, we may decide to build a new section on our Website exclusively for current renters if our customer profile shows that 75% of our typical users are currently renting. In any case, none of your personal information is associated with these metrics.
  • To send pre-recorded messages. By submitting web forms and chats on this website you are actively giving consent to receive automated text messages and phone calls that deliver pre-recorded messages regarding status updates, servicing notices, or other marketing on behalf of Service First, or its partners.
  • To identify usage trends. We may process information about how you use our Website to better understand how they are being used so we can improve them.
  • To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
  • To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We may share information in specific situations described in this section and/or with the following categories of third parties.

Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents (“third parties”) who perform services for us or on our behalf and require access to such information to do that work. The categories of third parties we may share personal information with are as follows:

  • Affiliate Marketing Programs
  • Data Analytics Website
  • Communication & Collaboration Tools
  • Performance Monitoring Tools
  • Retargeting Platforms
  • Sales & Marketing Tools
  • Payment Processors
  • Ad Networks

We also may need to share your personal information in the following situations:

  • Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.
  • Business Partners. We may share your information with our business partners to offer you certain products, Website, or promotions.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

5. HOW LONG DO WE KEEP YOUR INFORMATION?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

6. HOW DO WE KEEP YOUR INFORMATION SAFE?

We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk. You should only access the Website within a secure environment.

7. DO WE COLLECT INFORMATION FROM MINORS?

We do not knowingly solicit data from or market to children under 18 years of age. By using the Website, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at compliance@sfmc.com.

8. WHAT ARE YOUR PRIVACY RIGHTS?

You may review, change, or terminate your account at any time.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying “STOP” or “UNSUBSCRIBE” to the SMS messages that we send, Recipients of a Service First commercial message may call 469-634-4500 to Opt-Out and may also email OptOut@sfmc.com. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or Website of our Website.

If you have questions or comments about your privacy rights, you may email us at compliance@sfmc.com.

9. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

10. DO WE MAKE UPDATES TO THIS NOTICE?

The content in this disclaimer may be subject to change without prior notice. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

11. SMS 10DLC COMPLIANCE

SFMC, LLC. complies with the 10-digit long code (10DLC) mandate. 10DLCs are unique identifiers that allow businesses to send text messages from a dedicated, registered phone number. Service First has taken steps to be 10DLC compliant and to ensure all our text messages meet government and carrier standards. Providing your mobile phone number to Service First for lending purposes or general inquires will be considered permission to communicate to you through SMS text messaging. You may Opt-Out by replying STOP to any SMS message, emailing OptOut@sfmc.com or call us at 800-321-2320.

12. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please visit: https://sfmc.com/contact/.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at compliance@sfmc.com or by post to:

SFMC, LLC.
6800 Weiskopf Avenue
Suite 200
McKinney, TX 75070
United States

This privacy policy was created using Termly’s Privacy Policy Generator and updated to meet Service First Mortgage’s specific privacy policy terms.