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Are you curious how Veterans First Mortgage® uses your private information? Find out here.

Privacy Notice

Effective Date: 03/01/2017

Our privacy policy disclosure notice tells you how we at iFreedom Direct Corporation DBA Veterans First Mortgage® (“Veterans First”) handle and disclose your personal information. Some of the information you provide to us on www.veteransfirst.com and some of it we gather in connection with our services to you. This notice also tells you how you can limit our disclosing of your personal information.

We use your personal information to help us consider your eligibility and qualifications, and to enable us to provide the lending services you requested. On occasion, as a part of that service, we may provide some of that information to others. "Who”, “What", "How" and "Why", among other things, are more fully explained in the Consumer Privacy Notice and Choices, you’ll find below. We may share your personal information with third parties only in the ways that are described in this privacy policy. You can opt-out from certain types of sharing, and you’ll find the form below.

Facts

WHAT DOES VETERANS FIRST DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Name, phone number, and email address
  • Social security number and address
  • Income and employment information
  • Credit history and credit scores

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Veterans First Mortgage chooses to share; and whether you can limit this sharing. In certain situations, Veterans First may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Reasons we can share your personal information Does Veterans First Mortgage share? Can you limit this sharing?
For our everyday business purpose—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, report to credit bureaus, or to protect our rights and the safety of others. Yes No
For our marketing purposes—to offer our products and services to you. Yes No
For joint marketing with other financial companies. Yes No
For our affiliates' everyday business purposes—information about your transactions and experiences. Yes No
For our affiliates' everyday business purposes—information about your creditworthiness. Yes Yes
For our affiliates to market to you. Yes Yes
For non-affiliates to market to you. Yes Yes

Limit our sharing

If you are a new customer, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our customer, we may continue sharing your information as described in this notice. However, you can contact us at any time to limit our sharing. You will need your phone number or loan number, which can be obtained from your loan officer.

Questions?

Call 1.866.287.1132 or go to: www.veteransfirst.com/privacy-policy

Who we are

Q. Who is providing this notice?

A. Veterans First Mortgage®

What we do

Q. How does Veterans First Mortgage protect my personal information?

A. At Veterans First, we protect personal information that we collect about you at every level of our organization. We do this by maintaining procedural and technological safeguards. When you enter sensitive information such as social security number, we encrypt the transmission of that information using SSL encryption. We are committed to customer service, and believe that protecting your personal information is an integral part of that service. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee absolute security. If you have any questions about the security of your personal information, you can contact us at [email protected]

Q. How does Veterans First Mortgage collect my personal information?

A. We collect your personal information, for example, when you:

  • Apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Q. Why can't I limit all sharing?

A. Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes—information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Q. What happens when I limit sharing for an account I hold jointly with someone else?

A. Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates: None

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • We may, but do not routinely share information with non-affiliates.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • No joint marketing agreements at this time.

Other Important Information

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request

Service Providers

We may provide your personal information to companies that provide services to help us with our business activities such as servicing your loan or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.

Sharing with 3rd Parties

We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at [email protected]

Opt-out Preferences

Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences at www.veteransfirst.com/communications, in your account settings page, or you can contact us at [email protected]

Tracking Technologies

Technologies such as cookies or similar technologies are used by Veterans First Mortgage and our partners, marketing partners, affiliates, or analytics. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies to remember users’ settings (e.g. language preference). Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Analytics/Log Files

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically collected data to personally identifiable information.

Behavioral Targeting/Re-Targeting

We partner with a third party ad network to either display advertising on our Web site or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking Here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

Correcting and Updating Your Personal Information

Upon request Veterans First will provide you with information about whether we hold any of your personal information. To review, request delete or update your personal information to ensure it is accurate, a) if you are working with a loan representative, you could contact them; or b) contact us at 1.801.493.2700. We will respond to your request within a reasonable timeframe.

Links to Other Web Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of Veterans First Mortgage. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Blog/Forum

Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at [email protected]. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected]

Data Retention

We will retain and use your information as necessary and appropriate to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Notification of Privacy Policy Changes

We may update this privacy policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by email (sent to the email address specified in your account or we will publish a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Veterans First Mortgage®
124 North Charles Lindbergh Drive
Salt Lake City, UT 84116
[email protected]

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