PRIVACY POLICY
Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers’ need and desire to preserve their privacy and confidentiality. Safeguarding our customers’ privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers’ nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

INFORMATION WE COLLECT
We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers.  The type of information we obtain from our customers include name, address, telephone number, social security number, credit history, and other financial information. We obtain this information in many ways, such as by telephone, in face-to-face meetings, and over the Internet.

We gather information about our customers’ financial transactions, including account history, balances, and other banking/financial activities. We receive reports from credit reporting agencies to see your credit score and creditworthiness. We contact employers and others to verify employment, income, and deposits of our customers as appropriate.

HOW WE USE COLLECTED INFORMATION
No mobile information will be shared, as described in §5.1.4 of CTIA Messaging Principles and Best Practices, with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Message frequency varies per user. Message and data rates may apply. Text HELP for help. Text STOP to Unsubscribe. Carriers are not liable for delayed or undelivered messages.

INFORMATION WE DISCLOSE
Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to the transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

HOW USERS CONSENT TO MESSAGING
The user fills out a form on the website where they can consent to receive notification messages from our company.

By submitting a phone number and checking the box indicating consent to receive SMS messages, the user is authorizing us to send text messages and notifications. Message frequency may vary. Message and data rates may apply. Reply STOP to opt-out of future messaging; reply HELP for additional messaging help.

FACEBOOK DISCLAIMER

This website is not part of the Facebook website or Facebook Inc. Additionally, this site is not endorsed by Facebook in any way. Facebook is a trademark of Facebook, Inc. We use Facebook remarketing pixels/cookies on this site to re-communicate with people who visit our site and ensure that we are able to reach them in the future with relevant messages and information.

CALIFORNIA RESIDENTS

Future Financial LLC DBA Future Home Loans LLC takes its clients’ financial privacy very seriously. During the course of processing your application, we accumulate nonpublic personal information from you and from other sources about your income, your assets and your credit history in order to allow us to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with our affiliates, others, or us; and (iii) information we receive from a consumer reporting agency.

We may disclose the following kinds of nonpublic personal information about you: (i) information we receive from you on applications or other forms such as your name, address, social security number, assets and income; (ii) information about your transaction with us, our affiliates or others such as your payment history or loan balances; and (iii) information we receive from a consumer reporting agency such as your credit worthiness, credit score or credit history.

We do not disclose any nonpublic information about our customers or former customers to anyone, except as permitted by law. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements: (i) information we receive from you on applications or other forms such as your name, address, social security number, assets and income; (ii) information about your transaction with us, our affiliates or others such as your payment history or loan balances; and (iii) information we receive from a consumer reporting agency such as your credit worthiness, credit score or credit history.

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of these disclosures, that is, you may direct us not to make disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may sign and return a copy of our privacy policy form which will be provided in your mortgage application.

If more than one person has applied for a loan jointly, any one applicant acting on behalf of all may direct us not to share the nonpublic personal financial information of all the borrowers with third parties which are not our affiliates. We do not allow co-borrowers to opt out individually.

Pursuant to California state law, it is the policy of Future Financial LLC DBA Future Home Loans LLC to protect the confidentiality of documents and systems files that contain social security numbers. Future Financial LLC DBA Future Home Loans LLC collects social security numbers only when required by federal and state law and as required for the mortgage application process. Only authorized personnel have access to documents and system files that contain social security numbers. Social security numbers are not sent over the Internet unless the connection is secure and/or the transmission is encrypted. Documents that contain social security numbers are stored in a secure location. When these documents are destroyed, it is in a manner that ensures their confidentiality.

CONTACT US

If you have any questions, comments, or concerns regarding our Privacy Policy and/or practices, please send an email to: hello@future.loans.

You have the right to request:

• Access to your personal information
• To opt-out of “sales” of personal information. (Future Financial LLC DBA Future Home Loans LLC does not sell your personal information), and
• The deletion of your personal information.

Please note that as a licensed mortgage company, Future Financial LLC DBA Future Home Loans LLC is required to comply with applicable rules, regulations, and guidelines, which dictate how Future Financial LLC DBA Future Home Loans LLC retains your personal information and account information. You can submit a verifiable consumer request via telephone by calling (904)494- 6000 or by email to: hello@future.loans. You may also submit your request in writing by mailing to: Future Financial LLC DBA Future Home Loans LLC 224 3rd Street N Jacksonville Beach, FL. 32250

NMLS: 1621953 | www.nmlsconsumeraccess.org

Future Financial LLC DBA Future Home Loans supports Equal Housing Opportunity NMLS ID# 1621953.

Interest rates and products are subject to change without notice and may or may not be available at the time of mortgage commitment or at the time of rate lock.