Your Privacy

At First Equity Direct, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes their privacy seriously is necessarily well-versed in "legal or regulatory-ese." There are plenty of legal terms in First Equity’s own privacy policy, which you will find on the following pages. We urge you to read it carefully, and make note of your rights under this policy.

We've tried to provide easy-to-understand explanations of the most frequently used legal terms -- terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many companies' privacy policies.

Cookies & Browsers

This site uses a feature of your browser called a "cookie" to assign a "User I.D.". Cookies, by themselves, cannot be used to find out the identity of any user. Your ID automatically identifies your computer - but not you - to our servers when you visit www.firstequitydirect.com. Unless you specifically tell us who you are (for example by completing an application), if you are just browsing our site, we will never know who you are even though we assign you a cookie.

This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site. Safeguarding Customer Information We only grant access to nonpublic personal information about you (such as your name, address, social security number and credit history) to company employees and affiliated and non-affiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.

Our Code of Conduct requires that your information remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

Collection of Information

We collect nonpublic personal information about you from the following sources: From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, social security number, credit history and other financial information. From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records. From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage. From third parties to verify information you have given us.

When you provide us with your email address whether it be from a quote request, use of our calculators, tell a friend forms or any other form on our site, we automatically enroll you in our emailing program that provides mortgage information. You may easily unsubscribe using the link at the bottom of our emails or send us an email requesting removal.

Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:

• To provide you with the products and services you requested.
• To offer you additional products and services, from us or from others, that may be of interest to you.
• To comply with reporting and other legal requirements.
• To otherwise conduct business.

Identity Theft

Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file. Experian 888-397-3742 Equifax 800-525-6285 Trans Union 800-680-7289

You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report. Experian 888-397-3742 Equifax 800-685-1111 Trans Union 800-916-8800 Please note that this contact information is being provided as a service to you.

First Equity Direct is not affiliated with any of these services and cannot guarantee their effectiveness.