Overview
In today's environment, where people are subjected to marketing calls, junk mail,
and spam and are very concerned about fraud and identity theft, we recognize the
seriousness of our responsibility to help maintain the privacy and security of your
personal information. As a result, we have adopted privacy and security practices
that go beyond minimum legal requirements in order to give you greater comfort.
We invite you to compare what we do with any other lender that you are presently
using or considering.
FirstAgain LLC is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent,
non-profit organization whose mission is to build user's trust and confidence in
the Internet by promoting the use of fair information practices. This privacy statement
covers the site www.firstagain.com. Because we want to demonstrate our commitment
to your privacy, we have agreed to disclose our information practices and have our
privacy practices reviewed for compliance by TRUSTe. You can click the seal below
to validate our privacy statement:
We are a VeriSign Secure Site, allowing you to confirm our web site identity by
clicking on the seal below:
We are P3P compliant which means that we have instituted a compact privacy policy,
enabling your web browser to electronically implement your preferences based on
our privacy and security practices.
Our Privacy and Security Policy detailed below applies to our loan applicants, customers,
and former customers. If you have any questions concerning this policy, please do
not hesitate to email us at Privacy@FirstAgain.com.
Privacy and Security Policy
Our Privacy Practices
We collect your personal information (such as name, address, SSN, various financial
information, etc.) from:
- Loan applications and other forms that you submit to us.
- Credit reports from credit reporting agencies such as Experian and Equifax.
- Other public and private data sources that allow us to verify information in your
loan application to aid us in preventing fraud, particularly identity theft.
- Your loan transactions and other experiences with us, our affiliates, or others.
When you visit our web site, we will collect information regarding your IP address,
computer operating system, and connection speed. We utilize clear gifs (a.k.a. web
beacons or pixels) on our web pages, set "cookies" on your computer, and
"anonymously" track your navigation on our web site.Your IP address and the
cookies we set cannot be related to you as an individual
unless you submit a loan application to us. We use this information to confirm that
you are a unique user, to improve security, to optimize your web site experience
with us, and to assess the effectiveness of various aspects of our web site as they
relate to our products and customer service.
Unless we obtain your "explicit" consent (also known as an "opt-in"),
we will not:
- Sell, share, transfer, or otherwise disclose your personal information to any third
party organization that would use such information to market products and services
to you.
- Sell, share, transfer, or otherwise disclose your personal information to any affiliate
of ours that would use such information to market products and services to you.
- Call or mail you with any of our own marketing or promotional offers.
We may "email" you with marketing or promotional offers. However, you
may "opt-out" of receiving such emails at any time in the "Preferences"
area in the customer service section of our web site, www.firstagain.com or, by
"unsubscribing" if and when you receive such emails. Our loan customers
may also update their contact information in this section.
FirstAgain LLC is the sole owner of the information we collect. We may disclose
your personal information to:
- Service providers such as credit reporting agencies, banks, or other organizations
who may help us with specific operational processes and functions (such as in the
evaluation of loan applications and the prevention of fraud), or provide us assistance
in our loan servicing and/or collection efforts.
- Government agencies and private companies such as our attorneys, accountants, auditors,
lenders, or others assessing our compliance with industry standards.
- Other entities as otherwise allowed or required by law.
Our Security Practices
With regard to the security of your personal information, we employ a variety of
electronic, physical, and procedural safeguards to protect your personal information
including:
Encryption - We employ 128-bit Secure Sockets Layer
(SSL) technology to encrypt your personal information when it is in transit between
your web browser and our web server or vice versa. In addition, we also use advanced
encryption when storing or backing up your personal information on our computers,
substantially reducing the risk even in the event of loss or misuse of your personal
information.
Software and Hardware Security – We employ
stringent, up-to-date software and hardware solutions to minimize the risk that
your encrypted, personal information could be hacked, lost, or stolen from our computer
systems.
Physical Security – Your encrypted, personal
information is located and stored in secure areas within our building and offsite
data processing facilities.
Access – Access to your personal information
(either physically or online) is limited to you and our employees who have a "need
to know" in order to perform their jobs and the appropriate authentications
such as key cards, user ids, and passwords. A user ID and password is required on
the Sign In page on our web site for you to access and/or update your account information.
Please remember to keep your user id and password secure. Also, if you prefer additional
security, we offer our AccountLock feature which will prevent access to your account
even with a valid user id and password. Access will only be granted after you request
a pass code from us. We will then email you a randomly-generated, temporarily available
pass code, allowing you one-time access to your account.
Training – We provide training to our employees
regarding our security procedures.
Last revised, 12/10/07
If you have any questions regarding our privacy and security practices, you may
email us at Privacy@FirstAgain.com, or write us at:
FirstAgain LLC
350 Tenth Avenue, Suite 1400
San Diego, CA 92101
If you do not receive acknowledgement of your inquiry or your inquiry has not been
satisfactorily addressed, you may contact
TRUSTe. TRUSTe will then serve as a liaison with us to resolve your concerns.
For Nevada residents only, Nevada law requires that we also provide you with the
following contact information: Bureau of Consumer Protection, Office of the Nevada
Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone
number- 702.486.3132; email: BCPINFO@ag.state.nv.us.
We may modify this privacy and security policy from time to time. We will post such
changes to this page and update the last revised date. If the changes to the policy
are significant, we will provide a more prominent notice including, possibly, an
email notification to you.
