Privacy Policy

Introduction

First Rate Mortgage Inc. ("FRMI," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our services:

How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate loan applications and funding requests
• To provide mortgage, real estate, and funding services
• To communicate with you about your applications, transactions, and our services
• To comply with legal and regulatory requirements
• To prevent fraud and ensure security
• To improve our website, services, and customer experience
• To send you marketing communications (with your consent)
• To respond to your inquiries and provide customer support

Information Sharing and Disclosure

We may share your information in the following circumstances:

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal and regulatory requirements
• Opt-Out: You can opt-out of marketing communications at any time
• Do Not Sell: We do not sell your personal information to third parties

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve website functionality and performance
• Provide personalized content and advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights

To exercise your California privacy rights, please contact us using the information provided below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.