As part of providing you with financial products or services, we may obtain information about you from the following sources:

• Applications, forms and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income and credit references.
• Your transactions with us, our affiliates or others. This information may include your account balances, payment history and account usage.
• Consumer reporting agencies. This information may include account information and information about your creditworthiness.
• Public sources. This information may include real estate records and telephone numbers.

Sharing Information Outside FMi

We are required to or we may provide information about you to third parties outside of FMi without your consent, as permitted by law, such as:

• To respond to a subpoena or court order, judicial process or regulatory authorities.
• To consumer reporting agencies.
• To protect against fraud.

In addition, we may provide information about you to our service providers to help us process your applications. Our service providers may include billing service providers, mail and telephone service companies, insurers, loan-settlement service providers, property inspection companies, attorneys or other professionals.

We may also provide information about you to our service providers to help us perform marketing services. The information provided to these service providers may include the categories of information described above under “How We Gather Information,” limited to only that which we deem appropriate for these service providers to carry out their functions.

FMi Security Protocols

We do not sell customer information. We do not provide customer information to persons or organizations outside of FMi, who are doing business on our behalf, for their own marketing purposes.

Once you complete an application online, your personal data is encrypted using 128-bit secure sockets layer-encryption technology before it is sent over the Internet. This makes it practically impossible for your information to be stolen or captured when sent through cyberspace.

To give more protection to its website users sharing personal information online, FMi utilizes “cookies.” A "cookie" is a small text file placed on your hard drive by our web page server. Cookies are normally used on websites and will not damage your system. By arranging your favorites or options in your browser, you can decide if and how a cookie will be received. Such cookies will not collect personally particular data and we do not merge data collected through the use of cookies with other personal data to find out who you are or your e-mail address.

Once received, applications are encrypted until we are ready to process it.

Various areas of our website require data, such as email addresses and account numbers, to let users perform certain tasks.

The manner in which visitors use these pages, as well as the number of visits, may be recorded for advertising and statistical purposes to help FMi improve the website for future users. Data collected and analyzed by FMi includes domain name, visited pages, time of user session, etc.

Opt Out

You may prohibit use of your personal information at any time by simply e-mailing a request, with your name and address, or calling FMi Global Headquarters at 631.385.2100

Other Information

This Privacy Policy applies to products or services provided by FMi. FMi reserves the right to change this Privacy Policy, and any of the policies described above, at any time.

The examples contained within this Privacy Policy are illustrations; they are not intended to be exclusive.