Terms and Privacy Policy

TERMS & CONDITIONS

1. You should assume that everything you see or read on the site is copyrighted unless otherwise noted and may not be used except as provided in these terms and conditions or in the text on the site without the written permission of Franklin First Mortgage Services, LLC (ñFranklin First î). Franklin First neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with Franklin First.

2. While Franklin First uses reasonable efforts to include accurate and up-to-date information in the site, Franklin First makes no warranties or representations as to its accuracy. Franklin First assumes no liability or responsibility for any errors or omissions in the content of the site.

3. Your use of and browsing in the site are at your risk. Neither Franklin First or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you ïas isÍ without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Franklin First also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

4. Any communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of Franklin First or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Franklin First is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

5. Images of people or places displayed on the site are either the property of, or used with permission by Franklin First. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos, and service marks (collectively the ïtrademarksÍ) displayed on the site are registered and unregistered trademarks of Franklin First. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the written permission of Franklin First or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that Franklin First will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Franklin First has not reviewed any or all of the sites linked to the site and is not responsible for the content of any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages or other sites is at your own risk and without the permission of Franklin First.

8. Although Franklin First may, from time to time, monitor or review postings, transmissions, and the like on the site, Franklin First is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Franklin First will fully cooperate with any law enforcement authorities or court order requesting or directing Franklin First to disclose the identity of anyone posting any such information or materials.

9. Franklin First may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms & conditions to which you are bound.

About Our Privacy Policy...

Protecting your privacy is important to Franklin First Financial, ltd.. We want you to understand what information we may gather and how we may share it. This Privacy Policy explains Franklin First Financial, ltd. collection, use, retention and security of information about you.

How We Gather Information
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 Franklin First Financial, ltd.
We are required to or we may provide information about you to third parties outside of Franklin First Financial, ltd. without your consent, as permitted by law, such as:|
• To respond to a subpoena or court order, judicial process ore regulatory authorities;
• To consumer reporting agencies;
• In connection with a proposed or actual sale, merger or transfer of all or a portion of a business or an operating unit;
• 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.

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

You may prohibit credit-related information within Franklin First Financial, ltd. . Simply eMail a written request, with your name and address.

Or call the following toll free number 1 (888) 933-8639. We will honor your choice on restricting information sharing. However, the restriction does not extend to me sharing of other information, including your name and address, and your account transactions and experiences, with Franklin First Financial, ltd..

Our Security Practices and Information Accuracy
We also take steps to safeguard customer information. We restrict access to the personal and account information of our customers to those employees who need to know that information in the course of their job responsibilities.

Other Information
This Privacy Policy applies to products or services provided by Franklin First Financial, ltd. used primarily for personal, family, or household purposes (not for business purposes). We reserve 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.