Information Collection and Use
You can generally visit our Web-site without revealing any personally identifiable information about yourself. However, in certain sections of this Web-site and when you use our Services, we may invite you to contact us with questions or comments, request quotes or information, post content and other materials, participate in a user forum or blog, or complete a registration form. Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, email address, phone number), gender, social security number, driver's license number, income level and other financial information, license information, username, password, age or date of birth and employment information. We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit with your communications to us. Other users will be able to view who has posted certain content or documents.
We may use your personally identifiable information to deliver requested services or information, provide you, or have our third party service partners (as described in the Disclosure Section below) provide you, with notices regarding goods or services you may be interested in purchasing in the future, register you to use our Web-site and Services, verify your authority to enter our Web-site and to improve the content and general administration of the Web-site and our Services.
FirstTimeHomeFinancing.com recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children's online activities and interests. This Web-site is not intended for children under the age of 13. FirstTimeHomeFinancing.com does not target its Services or this Web-site to children under 13. FirstTimeHomeFinancing.com does not knowingly collect personally identifiable information from children under the age of 13.
We may use small text files called cookies to improve overall Web-site experience. A cookie is a piece of data stored on the user's hard drive containing information about the user. Cookies generally do not permit us to personally identify you.
Clear Gifs (Web Beacons/Web Bugs)
We employ [or our third party advertising partner employs] a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our web-site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie [do not tie] the information gathered by clear gifs to our customers' personally identifiable information.
The Web-site may track the total number of visitors to our Web-site, the number of visitors to each page of our Web-site, browser type, and IP addresses, and we may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Web-site, track users' movement, and gather broad demographic information for aggregate use.
We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing our Services to you. These companies are authorized to use your personal information only as necessary to provide these services to us. We may disclose your personally identifiable information and your communications on this Web-site when we reasonably believe we are required to do so by law, or when we deem it appropriate or necessary to provide such information to law enforcement authorities. We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which FirstTimeHomeFinancing.com participates or to a purchaser of all or substantially all of FirstTimeHomeFinancing.com's assets to which this Web-site relates. You will be notified via email and/or a prominent notice on our Web web-site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personally identifiable information. When you request a quote, make an inquiry about a loan or certain other mortgage information on this Web-site, you are expressly choosing to, and opting-in to, have FirstTimeHomeFinancing.com transfer your personally identifiable information to our third party service partners and for such third party service partners to provide your personally identifiable information to other businesses who provide financial products or services (such as loans and mortgages) that match your inquiry. The third party service partners may contact you regarding your inquiry and financial products and services, but FirstTimeHomeFinancing.com will not contact you to offer you a mortgage.
Links to Third Party Sites
We may employ procedural & technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. FirstTimeHomeFinancing.com may use secure socket layer & other security measures to help prevent unauthorized access to your personally identifiable information.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at https://www.firsttimehomefinancing.com/contact.asp. We will retain & use your information as necessary to comply with our legal obligations, resolve disputes, & enforce our agreements.
Users Outside of the United States
Correction/Updating Personally Identifiable Information
First Time Home Financing.com does not offer mortgages or direct financing. FirstTimeHomeFinancing.com is a website that offers information about house financing and does not guarantee 1st time home mortgage programs directly or indirectly through representatives or agents. FirstTimeHomeFinancing.com provides a news and information service by offering editorial content related to the housing and mortgage industry. This website has no official relationship with the Federal Housing Administration or the Department of Housing and Urban Development.
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