This privacy (the “Policy”) sets out how NFM, Inc., dba NFM Lending including its affiliates (“NFM”) use and protect personally identifiable information that customer (referenced herein as “consumer”, “customer’, “you” or “your”) gives NFM when a consumer is using this website. NFM may share your personal information collected from you or other sources to originate your loan, service your account, or offer you a service or offer you a product offered by one of our affiliates or third-party service providers.
We take our responsibility to protect the privacy and confidentiality of the customer’s personal information very seriously. We maintain physical, electronic, and procedural safeguards that comply with Federal, state, and applicable laws to store and secure personal information about you from unauthorized access, alteration, and destruction. It is NFM’s policy to strictly restrict access to your personal information only to individuals who need the information to perform their job functions.
From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive your personal information, but they are contractually required to safeguard the information provided, and they may not use it for any other purpose.
This website is owned, managed, and maintained by NFM. By using this website, you are consenting to this Policy.
This Policy applies to customers who are current customers or former customers. If we change our privacy policies to permit us to share additional information, we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance.
This Policy outlines the reasons we may use or share your personal information. This policy details how you can limit NFM from sharing your personal information.
The types of personal information we collect and share depend on the product or service you have with us. This information can include but is not limited to the following:
As part of providing you with financial products or services, we may obtain information about you from the following sources:
Information Collected When Using This Website
We do not access information about your identity while you are using our website. Your information is used after an application is completed or once you submit a contact form. Before completing an application or contact form your personal information will remain anonymous to us. We only collect the date, time, location, and activity on the website.
Cookies are small text files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
If a user rejects cookies, the user’s ability to use some areas of our website will be limited. For further information on cookies please visit http://www.aboutcookies.org.
Call Monitoring and Recording
If you communicate with us by telephone, we may monitor or record the call.
We use your personal information collected through our websites or applications for several purposes, including the following:
We may disclose collected information we have about you s permitted by law. We may provide information about you to third parties without your consent, as permitted by law, such as:
In addition, we may provide information about you to our service providers to help us process your application, service your accounts, or to offer services. Our service providers, which may include billing service providers, mail and telephone service companies, lenders, investors, title, and escrow companies, home-owner insurance companies, appraisal companies, or other services needed to originate or service a loan.
Third-Party Services and Agreements
We may disclose all of the information we collect, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing or purchaser or seller agreements.
We restrict access to non-public personal information about you to those employees and agents who we determine need to know the information to provide products or services to you, service your account, or maintain the systems that support your account. To restrict unauthorized access and use of your non-public personal information, we use security measures that comply with the law. These measures include computer safeguards, and maintenance of physical, electronic, and procedural safeguards.
Our website includes links to other, non-NFM, websites whose privacy policies and practices may differ from those of NFM. If you submit personal information to any of those sites, your information is governed by their privacy statements and we are not responsible for how your personal information is used or stored. We encourage you to carefully read the privacy statement of any non-NFM website you visit.
Our website offers publicly accessible blogs. You should be aware that any information they provide as a blog post comment may be read, collected, and used by others who access them. To request removal of customer’s personal information from our blog, contact us at email@example.com.
By clicking on any button for submission of information on this website, you are agreeing to the following terms and conditions:
We comply with the requirements of COPPA (Children’s Online Privacy Protection Act). We do not collect any information from anyone under 18 years of age. Our website, products, and services are all directed to people who are at least 18 years old or older.
Except as otherwise provided above, you may choose to opt-out from any or all of the ways that your personal information is shared, and how we may be contacted in any of the following ways:
Attn: Customer Service Department
1190 Winterson Road, Suite 300
Linthicum, MD 21090
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the NFM Lending Privacy Statement with respect to NFM including its affiliates (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
|A. Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.||YES|
|C. Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES|
|D. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||NO|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO|
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||NO|
|G. Geolocation data.||Physical location or movements.||NO|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||NO|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||YES|
|J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records are directly related to a student maintained by an educational institution or party acting on its behalfs, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||NO|
|K. Inferences are drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||NO|
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
The CCPA provides consumers (California residents) with specific rights regarding their personal information.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category I: Professional or employment-related information
We disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have not sold any personal information.
The CCPA provides consumers (California residents) with specific rights regarding their personal information.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from your records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
You may only make a verifiable consumer request for access or data portability twice within 12 months. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12 months preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not: