About Us

This is a p3p Privacy Policy for Service First. Our homepage on the Web is located at http://www.servicefirstmtg.com. The full text of our privacy policy is available below.

Users may visit the content below for information on how to opt-in or opt-out of use of their information.

We invite you to contact us if you have questions about this policy. You may contact us by mail at the following address:

Service First
6800 Weiskopf Avenue
Suite 200
McKinney, TX 75070
USA

You may contact us by e-mail at info@servicefirstmtg.com. You may call us at (214) 576-2900.

Dispute Resolution and Privacy Seals

We have the following privacy seals and/or dispute resolution mechanisms. If you think we have not followed our privacy policy in some way, they can help you resolve your concern.

Service First: Contact Customer Service by Email at info@servicefirstmtg.com
Service First: Contact Customer Service by Phone at (214) 576-2900

Data Collection

P3P policies declare the data they collect in groups (also referred to as “statements”). This policy contains 3 data groups. The data practices of each group will be explained separately.

Group “Access Log Information”

We collect the following information:

  • Click-stream data

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • Web site and system administration.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Our Web Server collects this information to provide metrics regarding site usage and load levels.

Group “Loan Application Information”

We collect the following information:

  • HTTP cookies

At the user’s option, we may also collect the following data:

  • Physical contact information
  • Online contact information
  • Preference data
  • Government-issued identifiers
  • Financial information
  • Unique identifiers

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • User analysis. The user must opt-in to this usage.
  • User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

We collect this information in order to service the requests of our visitors.

Group “Contact Information”

We collect the following information:

  • HTTP cookies

At the user’s option, we may also collect the following data:

  • Online contact information
  • Preference data
  • Physical contact information

This data will be used for the following purposes:

  • Completion and support of the current activity.
  • Web site and system administration. The user must opt-in to this usage.
  • User analysis. The user must opt-in to this usage.
  • User profiling and decision-making. The user must opt-in to this usage.

This data will be used by ourselves and our agents.

The following explanation is provided for why this data is collected:

Uniquely Identify User Accounts for our Visitors

Cookies

Cookies are a technology which can be used to provide you with tailored information from a Web site. A cookie is an element of data that a Web site can send to your browser, which may then store it on your system. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.

Our site makes use of cookies. Cookies are used for the following purposes:

  • Site administration
  • Completing the user’s current activity
  • User analysis
  • Individual-based decision-making

Compact Policy Summary

The compact policy which corresponds to this policy is:

    CP="ALL DSP COR CURa ADMa IVAi IVDi OUR LEG BUS PHY ONL UNI FIN COM NAV STA PRE GOV"

The following table explains the meaning of each field in the compact policy.

 

Field Meaning
CP= This is the compact policy header; it indicates that what follows is a P3P compact policy.
ALL Access to all collected information is available.
DSP The policy contains at least one dispute-resolution mechanism.
COR Violations of this policy will be corrected.
CURa The data is used for completion of the current activity.
ADMa The data is used for site administration.
IVAi The data is used for analysis, including knowledge of the visitor’s identity, if the user selects it.
IVDi The data is used for decision-making, including knowledge of the visitor’s identity, if the user selects it.
OUR The data is given to ourselves and our agents.
LEG Legal requirements specify how long the data will be kept.
BUS Our business practices specify how long the data will be kept.
PHY Physical contact information is collected.
ONL Online contact information is collected.
UNI Unique identifiers are collected.
FIN Financial information is collected.
COM Computer information is collected.
NAV Navigation and clickstream data is collected.
STA State-management data is collected
PRE Preference information is collected.
GOV Government-issued identifiers are collected.

The compact policy is sent by the Web server along with the cookies it describes. For more information, see the P3P deployment guide at http://www.w3.org/TR/p3pdeployment.


Information Policies

We place a high value upon the trust that you place in us when applying for a loan. We promise not to abuse that trust by inappropriately using the information you provide to us. We request this information in order to provide you with the most comprehensive and accurate data possible. We will not sell or give away your private information to any third party.

The information you provide will be used in the following ways.

Loan Application Information

Unless you are a government agent who must go through security clearance and background checks, a loan application is probably the most detailed information-gathering process that you will encounter as an ordinary citizen. As a mortgage company that has been in business for over fifteen years, we are aware of the concerns you may have during this process. We will protect the sanctity of your trust by using your loan application information only and exclusively for the purpose of obtaining a mortgage.

Contact Information and Personal Details

In addition to information used exclusively to submit your loan application, we ask for certain details, such as email addresses and personal details including whether you are a first-time mortgage buyer and whether you rent or own. We use this information to customize and personalize our site to meet your needs. We use this information to present information specific to your situation to better educate you about the opportunities that exist specifically for you.

Service Profiles

At the same time, there are many commonalities among our customers. We will occasionally compile statistics and other metrics across our customer base, but none of this information will contain personally sensitive information. For example, we may decide to build a new section on our Web site exclusively for current renters if our customer profile shows that 75% of our typical users are currently renting. In any case, none of your personal information is associated with these metrics.

We may share this generic service profile information with our partners, affiliates, and potential investors in order to describe our client base to better serve you. Having access to this data means that we can make better decisions about how we run our business, and will help us determine what will best serve you, our valued customers.

Security

Our privacy policies are unimportant if we cannot maintain the security of our systems. All of our sensitive information forms are submitted and stored securely using tried and proven industry standard protocols.

While no security system is 100% airtight (you should be wary of anyone making that claim) we have taken every reasonable, prudent, and effective step to maintain the security of our systems.

Data Communications Security

Information you send us must pass through your own computer, your own Internet Service Provider, our Internet Provider, and eventually to us. As soon as the personal information that you have put into your browser leaves your computer, it is encrypted using “SSL” (Secure Sockets Layer) technology. Any network between you and us, including your ISP and our ISP, will only see garbled encrypted data if they were to “eavesdrop” on our connection. Netscape Navigator and Internet Explorer indicate that the transfer is secure via two mechanisms. First, the URL on any secured page will begin with https:// rather than http://. Secondly, the browser may display a lock, a blue bar, or other indicator showing that your data will be encrypted prior to transmission.

Once we receive your encrypted information, our system decrypts your data, and places it into a password-protected database on a secured network that is again accessed through another password-protected system, located behind a firewall. This triple protection is the digital equivalent of our “Fort Knox” that protects your sensitive data. The only other way to get at this information is to use our Web site and the administration password that you supply during the account creation process. This is why you should keep this password in a safe place, and why we only send your password to your e-mail address. However, as soon as we send your password in e-mail, you should immediately log in and change your password to prevent someone on the Internet from obtaining your password, and hence, access to your private information.

How we use Cookies

It is our goal to provide the most intuitive and hassle-free experience at our Web site. As a result, we use a technology called a “cookie.” The way a cookie functions is that our Web site, after authenticating who you are by having you verify your e-mail address and password, passes a unique cookie to your computer. Once your computer obtains this cookie, it will present this cookie back to us. Our site checks to see if the cookie that you are presenting to us matches what we initially gave you. If it does, then we allow you access to our site without having to re-enter your username. This cookie only exists while the browser is running. It is always a good idea to quit the browser (or restart the computer) if you share your computer with others.

We also use cookies to help keep track of the representative you are working with (if any). This cookie contains no private information, and will remain on your computer even if you quit the browser.

The Good Cookie.

Like any technology, the use of it determines its value. Cookies are a convenient way to avoid having to type in your login every time you visit the site. What the above scenario allows is the ability of our Web site’s “cyber bouncer” to be able to say, “I’ve seen you before, you can come in.” This is a convenience that many of our clients use and appreciate.

The Bad Cookie.

However, there are cases when you may not want to use a cookie. For example, if multiple people use your computer, it is possible for someone to sit down after you have gotten up, visit your history or bookmarks, visit our site, and have access to your sensitive data on our Web site. This is because our “cyber bouncer” is only sophisticated enough to know that your computer has been trusted. There is no way for us to determine that you are still at your computer. The best thing you can do is quit the browser when you are finished; the cookie will be removed.