PRIVACY STATEMENT

Approval First Home Loans Inc. knows that your privacy is important. This notice is required by law because you are now or may be a customer of our company. This notice will advise you of the types of Nonpublic Personal Information we collect, how we use it, and what we do to protect your privacy. “Nonpublic Personal Information” refers to personally identifiable information that is not available to the public. “Employees, Representatives, Agents and Selected Third Parties” refers to individuals or entities who act on our behalf. 

• Our Employees, Representatives, Agents, and Selected Third Parties may collect Nonpublic Personal Information about you, including information:

- Given to us on loan applications and other forms;

- About transactions with us, our lenders, or other third parties;

- From others, such as credit reporting agencies, employers, and federal and  state agencies.

• The types of Nonpublic Personal Information we collect depends on the lender’s products which we offer to you and may include your: name; address; Social Security Number; account balances; income; expenses; assets; insurance premiums; home appraisal value; employment history; credit reports; marital status; and payment history.
   

• We restrict access to Nonpublic Personal Information to those Employees, Representatives, Agents, or Selected Third Parties who provide products or services to you and who have been trained to handle Nonpublic Personal Information as described in this Notice. 
   

• We have policies and procedures that direct our Employees, Representatives, Agents and Selected Third Parties acting for us, on how to protect and use Nonpublic Personal Information.
   

• We have physical, electronic, and procedural safeguards in place that were designed to protect Nonpublic Personal Information.
   

• We may disclose all types of Nonpublic Personal Information that we collect, including information regarding your transactions or experiences with us when needed to:

- Investors, Lenders, Banks, and other financial entities whom we represent and
   Employees, Representatives, Agents, and Selected Third Parties as permitted by law;
   or

- other organizations with which we have joint marketing agreements. 

• The types of companies and persons to whom we may disclose Nonpublic Personal Information include: banks; investors; lenders; attorneys; credit reporting agencies; registered brokers; auditors; regulators; federal agencies such as the Department of Housing and Urban Development; and real estate agents and their assigns.

• We do not share your Nonpublic Personal Information unless authorized by you or allowed by law.
   
• Our privacy policy applies, to the extent required by law, to our agents and representatives when acting on behalf of Approval First Home Loans Inc.
   
• You will be notified if our privacy policy changes.
   
• Our privacy policy applies to current and former customers.

This Privacy Notice is given to you for your information only. You do not need to call or otherwise take any action.