This Privacy Statement describes how Flint Hills Mortgage, LLC a Kansas Limited Liability Company uses the information you provide.
If you are a borrower or a potential borrower and you submit a loan application to FHM, some or all of the following categories of personal information is required to evaluate your loan application and credit worthiness, potentially approve and close a loan for you, and subsequently service any approved loan.
Contact information: name, property address, email address, telephone numbers
Credit information: credit score, social security number, prior addresses, account information, birth date
Employment and education information
Forms of personal identification such as driver’s license or passport, visa information
Information about your property or the property you are attempting to purchase obtained through publicly available sources and/or an appraisal
Information about your use of FHM websites
Because of the financial nature of our business, FHM websites are not designed for use by children under the age of 13 and those not of legal age to contract. Therefore, FHM does not knowingly attempt to solicit or receive any information from children. Additionally, FHM does not have services available for those younger than the legal age to contract and as such does not knowingly attempt to solicit or receive any information from those under the age of 16. FHM does not sell the personal information of minors.
HOW INFORMATION IS COLLECTED
The personal information FHM receives about you is provided: by you directly to FHM; on your loan application; online forms you complete; documentation provided in connection with the underwriting process; in connection with the loan approval process, may include emails and letters you send to FHM; phone calls with FHM; and your activity on FHM websites.
MANDATORY AND OPTIONAL INFORMATION
FHM identifies for you what information is required to fulfill any particular request on our Website, be considered for approval to submit loans to FHM, and be considered for a residential mortgage loan. If you choose not to provide mandatory information, FHM will not be able to provide you the service you are requesting.
Primarily, the information you provide will be used to: contact you and better understand your mortgage loan needs; if you have a loan with us; review your loan application or application for approval; and underwrite your loan request. You understand that by submitting your information through this Website you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to FHM through this Website, a telephone call, an e-mail, letter or by any other means permitted by FHM, you authorize FHM to engage in the following uses of your information:
to improve its products and services
to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements to you
to contact you
to perform services you request of FHM including but not limited to reviewing credit worthiness for requested loan approval, respond to your inquiries/requests, underwrite your loan application, review your account for possible loan modification
to complete any other task requested of FHM or necessary to perform the underlying services for which you have contacted FHM directly or indirectly via your loan officer
If you do not wish to receive information regarding FHM products and services, you may opt-out during your account registration, within any future communications or by sending an Email to your loan contact @flinthillsmortgage.com. Please designate within your opt-out request your email address, property address, loan number (if applicable), and telephone number as well as from what communications you wish to opt-out. You may also update your contact preferences by logging into your account. FHM does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.
While we respect and honor your privacy preferences as you have expressed, there may be times we need to contact you to inform you of a specific change that may have an impact on your FHM services or other critical non-marketing purposes. We may also contact you to respond to any specific request you may submit.
For certain aspects of the loan process and to provide certain services to you, FHM employs or utilizes service providers including, but not limited to, appraisal management companies, title companies, closing attorneys, due diligence firms, sub-servicers, consultants, temporary workers, attorneys, third-party developers and technology companies and others as necessary. For example, we may utilize service providers to send Emails to you. In order for service providers to assist FHM, we may need to share your personally identifiable information. Service providers are not authorized and are strictly prohibited from utilizing your personally identifiable information for any purpose other than those proscribed by FHM in connection with the services they provide on FHM’s behalf. FHM does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.
At times, FHM may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.
FHM does not sell your personal information and only discloses the required information necessary to third parties who are performing services or assisting in connection to the mortgage loan.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
Your acceptance of these terms
By using FHM Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the FHM Site following the posting of changes to this policy will be deemed your acceptance of those changes.