Privacy Policy

First Finance Lending

Effective Date: January 1, 2024

This privacy policy describes how First Finance Lending Mortgage Company (“First Finance Lending,” “we,” “us,” or “our”) processes information collected on our website, mobile app, and through your interactions with us (collectively, our “Services”).

In some cases, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you.

Some states may provide additional privacy rights. Please refer to the Additional Information Regarding Your State Privacy Rights section to learn more.

**By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described. **

By submitting your information, you hereby consent to receiving email, text messages, and phone calls from our company in regards to your loan application and various loan programs that we have.

Who We Are

First Finance Lending Mortgage Company is committed to protecting your privacy. This privacy policy explains what information we collect, how we use it, and what choices you have about your information.

Information We Collect

We collect information you provide to us directly and automatically through your use of our Services.

Information You Provide

We collect information you provide to us, such as when you:

Create an account with us
Fill out a form or submit content through our Services
Communicate with us via email, phone, or chat
Participate in a contest, promotion, or survey
Request customer support or information about our Services

The specific information we collect depends on the context in which you provide it, and could include:

Name
Email address
Postal address
Phone number
Social security number
Location and approximate value of your property
Vehicle information, such as make, model, VIN, and vehicle features
Age and/or date of birth
Demographic information, such as race, ethnicity, and gender gathered pursuant to federal requirements
Related loan products or services you have used in the past
Financial information, such as income, assets, and net worth
Home ownership status and employment status
Insurance information
Other profile data, including your interests and preferences
Any other information you choose to provide

Information We Automatically Collect

We automatically collect certain information about your interactions with us or our Services, including:

Transactional Information: When you make a purchase or complete a transaction, we collect information about the transaction, such as product or service details, financial details, and the date and location of the transaction.
Device and Usage Information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers, and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
Your Content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
Location Information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the “Your Choices” section below for details).
Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct, or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.
Web beacons (also known as “pixel tags” or “clear GIFs”) are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies. For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you with additional functionality. For more information about these tracking technologies and how to disable them, see the “Advertising and Analytics” section below.

Information We Collect From Other Sources

We may obtain information about you from third parties. For example, we may collect information from:

Identity or other verification services
Credit bureaus (including your credit report)
Advertising networks
Mailing list providers
Service providers
Data brokers

We may also allow or require you to integrate or connect your First Finance Lending account with third-party services through service providers (such as Plaid).

Information We Derive

We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code, or we may infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases.

How We Use Your Information

We use the information we collect to:

Provide our Services to you
Fulfill or deliver the services you request
Provide, maintain, improve, and develop new products, services, and features, including debugging and repairing errors in our Services
Personalize your experience with us
Send you technical notices, security alerts, support messages, and other transactional or relationship messages, including responding to your inquiries and comments
Communicate with you about products, services, and events offered by First Finance Lending and others, and provide news and information that we think will interest you
Monitor and analyze trends, usage, and activities in connection with our products and services
Personalize the advertisements you see on third-party platforms and websites. For more information, see the “Advertising and Analytics” section below.
Show you offers for third-party services personalized to you, based on information we have collected about you
Facilitate contests, sweepstakes, and promotions, and process and deliver entries and rewards
Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity, and help protect the rights and property of First Finance Lending and others
Comply with our legal and financial obligations
Create de-identified, anonymized, or aggregated information
Fulfill any other purpose at your direction

Advertising and Analytics

We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers, and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked, and conversion information.
This information may be used by First Finance Lending and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.

For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices (http://www.aboutads.info/choices). Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the “Additional Information Regarding Your State Privacy Rights” section below.

SMS Consent and Phone Number Privacy

We are committed to ensuring your privacy is protected in compliance with applicable mobile carrier requirements. First Finance Lending collects and uses your phone number solely for communication purposes related to the services you request, including loan updates, account notifications, and customer support.

No Sharing for Marketing Purposes

Please note that First Finance Lending does not share your phone number or SMS consent with any third parties for marketing purposes. We will only use your phone number for the intended purpose of communicating essential information related to your mortgage or loan services.

Managing Your SMS Preferences

You may opt out of receiving SMS communications from First Finance Lending at any time. To do so, you can follow the opt-out instructions provided in the SMS or contact us directly. We respect your preferences and will ensure that your phone number is treated with the utmost care and security.

Children’s Privacy

First Finance Lending’s Services are not intended for children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you become aware that your child has provided us with personal information without your consent, please contact us.

California Shine The Light

California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you’re a California resident and would like to make such a request, please contact us.

Processing of Information in the United States and Other Countries

First Finance Lending is headquartered in the United States. We offer goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.

Your Choices

Right to Correct Account Information: You may update and correct certain account information, or delete your account, by logging into your account or contacting us. Please note that we may retain certain information as required by law or for our legitimate business purposes. For more information, please see “Additional Information Regarding Your State Privacy Rights.”
Location Information: When you first launch any of our mobile apps that collect precise location information, or when you visit portions of our Services that collect precise location information, you’ll be asked to consent to the collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. It is important to note that some Services may not function without precise location information. You may also stop a mobile app’s collection of location information by following the standard uninstall process to remove the app from your device.
Do Not Track Signals: You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Our websites are configured to recognize those browser signals. If we recognize one of these signals – which may be referred to or are labeled by your browser as “do not track” or “opt-out preference” or “global preference” signals – we give you the option of submitting a request to opt-out of sale/sharing. For more information on opting out of the sale/sharing of personal information, please see “Additional Information Regarding Your State Privacy Rights,” below.
Right to Opt-Out of Selling: You have the right to opt out of the “sales” described above at any time by visiting our Do Not Sell My Personal Information webpage. We do not knowingly sell or share personal information about consumers under the age of 16.
Right to Opt-Out of Personal Information Being Shared or Used In Targeted Advertising: California requires that we notify you if we “Share” your personal information with third parties. In California, “Sharing” means we make available or otherwise disclose your information to third parties for cross-context behavioral advertising. Further, “cross-context behavioral advertising” means targeting of advertising to you based on your personal information obtained from your activity across businesses, websites, apps, and services other than our Services. Similarly, privacy laws in other states require we notify you if we use your information for Targeted Advertising. Targeted Advertising means displaying advertisements to you where the advertisement is selected based on personal information obtained from your activities over time and across nonaffiliated websites or online applications to predict your preferences or interests. Accordingly, we “Share” your personal information with third parties for purposes of cross-contextual advertising, and we use your information for Targeted Advertising. Specifically, we share your identifiers and internet or other network activity with our advertising partners. You have the right to opt out of “sharing” or Targeted Advertising by accessing our Do Not Sell My Personal Information webpage. We also honor browser “Do Not Track” signals, as noted above.
Right to Limit Processing of Sensitive Personal Information: In California, you have the right to limit our processing of your Sensitive Personal Information to only uses which are necessary to perform the services or provide the goods reasonably expected by an average consumer who requests such goods or services. When we collect your Sensitive Personal Information, we collect and use that information to perform the services or provide the goods for which that information is necessary and as reasonably expected by you. Under other state privacy laws, we are only permitted to collect certain pieces of Sensitive Personal Information after we have obtained your consent to do so. Where required, we get your agreement to collect and use Sensitive Personal Information.

Retention of Personal Information

We will not retain your personal information for longer than is reasonably necessary to carry out the purposes we disclose in this policy.

State Consumer Data Rights

Subject to certain limitations, you have the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, disclose and sell, and to access your information, (2) request deletion of your personal information, (3) request correction of your personal information, and (4) not be discriminated against for exercising these rights.

You may make these requests by contacting us.

California Financial Incentive Disclosure

California’s privacy law requires that we notify you if we provide you a program, benefit, or other offering, related to the collection, deletion, or sale of personal information, which it defines as a “financial incentive.” We may offer you certain financial incentives that may result in different prices, rates, or quality levels (for example, contests and referral programs). Through these offerings, consumers provide us with some personal information (e.g., names, emails, phone numbers) when they opt-in to our programs. There is no obligation to opt-in and consumers may opt-out at any time. The details of each program are contained in the program offering. We offer these programs, among other things, to enhance our relationship with you so you can enjoy more of our products/services at a lower price. We invest heavily in our marketing and brands, in part, so we can provide programs to our customers. Consumer data is valuable to our business only when it is combined with a sufficient number of other consumer data and after it is enhanced by our efforts herein described. The value to our business of any individual consumer’s personal information is dependent on a number of factors, including, for example, whether and to what extent you take advantage of any offerings, whether and to what extent you opt out of any offerings, and whether we are able to enhance the data through our efforts herein described. Our ability to create any value from the programs is heavily based on our ability to leverage said intellectual properties. We do not calculate the value of consumer data in our accounting statements.

California Consumer Data Requests

In 2023, we received 421 consumer data requests from California consumers. This includes requests from people to know, access, or delete their data. We also received 48,406 requests from people who opted out of data sharing.
Here’s a breakdown of those consumer requests:

119 Right To Know/Access requests
302 Right To Delete requests
It’s taken us a median of 2 days to process and respond to each request.

Federal Privacy Notice

Some companies within First Finance Lending are required to provide an additional Privacy Notice under the Gramm-Leach-Bliley Act. For convenience, these notices are provided below.

Contact Information

If you have any questions about this Privacy Policy or First Finance Lending’s information practices, please contact us at 619.444.9993 or [email protected].

This privacy policy is effective as of the Effective Date shown above. We may change this policy from time to time, so please check back periodically for updates.