Privacy Policy

Privacy Policy

Our mission is to act as a trusted advisor, and we can't do that without your trust. This Privacy Policy explains what information we collect about you, why we collect the information, as well as how we collect and use the information so that we can deliver the best experience possible.

This Privacy Policy is intended for individuals that reside in the United States. By using any of our websites and mobile applications in the United States (collectively, "Sites") or otherwise providing Personal Information to us, you agree to this Privacy Policy.

Personal Information

"Personal Information" generally means any information that identifies you as an individual, and any other information we associate with it. We collect a few categories of information, from a few different sources.

Information that is passively collected when you use the Sites, such as by our web servers and by third-party analytics tools we use:

• Our system logs may record certain information about visitors to our Sites, including the web request, Internet Protocol ("IP") address, device and mobile ad identifiers, browser information, interaction with the Sites, pages viewed, app usage, and other such information; we may collect similar information from emails you receive from us that can help us track which emails are opened and which links are clicked by recipients.
• We use certain cookies, pixel tags and other technologies to help us understand how you use the Sites and enable us to personalize your experience. To learn more about cookies, please visit allaboutcookies.org. To learn more about Fairway's use of cookies, please see our Cookie Policy.
• We may detect the physical location of your device by, for example, using GPS information collected by mobile apps or location information shared by your web browser. Should you wish to opt out of the collection of this information, please adjust the settings of your device.

How We May Use Personal Information

We may use Personal Information as permitted by law, for the following business purposes:

• To respond to your inquiries and fulfill your requests
• To send administrative information to you, such as about your account or loan
• To communicate with you about loans, services, promotions, campaigns, programs, contests, and accounts
• To inform you about our loan products, promotions, events or other promotional purposes
• To re-contact you if we have not heard from you in a while
• To send you advertising/promotional material from any of our affiliates, and on behalf of our promotional and strategic partners
• To improve your experience with our products and services, such as by personalizing your experience with us

We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

• To comply with applicable law and legal process
• To respond to requests from public and government authorities
• To detect, prevent, or investigate potential security incidents or fraud
• To facilitate the functionality of our mobile applications and websites
• To enforce our terms and conditions
• To protect our rights, privacy, safety or property, security and/or that of our affiliates, you or others

How Personal Information May Be Disclosed

To the extent permitted by law, all of your Personal Information may be disclosed to the following categories of third parties:

• To our affiliates for the purposes described in this Privacy Policy
• In connection with the essential purposes described above (e.g., to comply with legal obligations)

Information Sharing With Joint Venture Partners

We may participate with another company or individual for purposes of jointly promoting our products, services, promotions or contests or their products, services, promotions, or contests. We reserve the right to disclose your personal information and usage data to them for purposes of compensation, transaction processing, fulfillment, support, and for purposes of offering you other products, services, promotions, and contests.

Do Not Track

We do not monitor or follow "Do Not Track" (DNT) signals because there is no standard interpretation or practice for DNT signals. Therefore, we handle all user information consistent with this Privacy Policy.

Third Party Sites

The Sites may link to other web sites and online services. We have no control over such third parties and therefore cannot be responsible for the content, availability, or security of such linked third-party websites. Third parties may use your information for their own purposes, including behavioral or advertising purposes. This Privacy Policy does not address the privacy and data security practices of any third parties.

Security

Fairway's Information Security Program relies on the National Institute of Standards and Technology (NIST) 800 series of standards as the primary framework for our control design, implementation and operation. Those controls include Physical, Technical, Administrative and Procedural controls. We continually invest in and enhance these controls to meet new threats and vulnerabilities.

We use standard physical, technical and administrative measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your Personal Information. Unfortunately, no system or network can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us as directed in the Contacting Us section below.

Your Choices and Access Rights

Retention Period

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted for legal, auditing, or compliance purposes.

Children's Privacy

We do not intend for our websites or other online services to knowingly collect or solicit any information from anyone under the age of 13. If you believe that we might have any information from a child under the age of 13, please contact us at privacy@fairwaymc.com. You may mark your inquiry "COPPA Information Request."

Updates to This Privacy Policy

We may periodically update this Privacy Policy. Any changes will become effective when we post the revised Privacy Policy on our Sites.

Contacting Us

We welcome your questions, comments, and concerns about privacy. Please contact us:

• Email: privacy@fairwaymc.com
• Phone: (877) 699-0353

Please note that email communications are not always secure, so please do not include credit card information or other sensitive information in any emails to us.

Cookie Policy

When you use our websites, mobile applications, and online services (the "Site"), we may store cookies on your web browser. This Cookie Policy explains what a cookie is, how you can manage your cookies, and what kind of cookies may be on our sites.

What Is a Cookie and Why Do We Use Them?

Cookies are small pieces of text provided by most websites and stored by your web browser on the computer, phone, or other device that you are using. Cookies serve many purposes, they can help a website remember your preferences, learn which areas of the website are useful and which areas need improvement, and provide you with targeted advertisements or personalized content.

First-Party Cookies and Third-Party Cookies

A first-party cookie is one that you receive directly from Fairway when visiting our Site. A third-party cookie is one that you have received from another party, such as Google or Facebook. We may work with certain third-party providers to permit their cookies to function through our Site so we can learn more about your web experience and better personalize our services for you.

Persistent and Session Cookies

A persistent cookie is stored by the web browser on your device until it expires or you delete it. Its information will be transmitted to the creator's server every time the user visits the website that it belongs to.

A session cookie is created temporarily on your device for use by a website during your visit and is deleted after you leave the website or when the web browser is closed.

How Do I Manage Cookies?

Most web browsers let you choose whether to accept cookies and let you delete cookies already set. Browser settings are typically found in the "options," "tools," or "preferences" menu. For example:

• Cookie settings in Internet Explorer
• Cookie settings in Firefox
• Cookie settings in Chrome
• Cookie settings in Safari

What Kind of Cookies Do We Use?

The Site may use the following types of cookies. Any of these may be first-party or third-party cookies, persistent or session.

Contacting Us

If you have any further questions about cookies, please contact us by calling (877) 699-0353.

California Consumer Privacy Act (CCPA)

This Privacy Notice for California Residents supplements the information contained in the Privacy Policy of Fairway Independent Mortgage Corporation and its subsidiaries (collectively, "we," "us," or "our") and applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA") and other California privacy laws.

Right to Know

You have the right to know and see what data we have collected about you over the past 12 months, including:

• The categories of Personal Information we have collected about you
• The categories of sources from which the Personal Information is collected
• The business or commercial purpose for collecting your Personal Information
• The categories of third parties with whom we have shared your Personal Information
• The specific pieces of Personal Information we have collected about you

Right to Delete

You have the right to request that we delete the Personal Information we have collected from you by clicking here. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to complete your transaction, provide you a good or service, perform a contract, protect your security, fix a system bug, comply with a legal obligation, or make other internal and lawful uses of the information.

Other Rights

You also have the right not to be discriminated against for exercising any of your rights under California law.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information").

Personal information does not include:

• Publicly available information from government records
• De-identified or aggregated consumer information
• Information excluded from the CCPA's scope, like personal information covered by the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), or the California Financial Information Privacy Act (FIPA)

The categories of sources from whom we collected this Personal Information are:

• Directly from a California resident or the individual's representatives
• Service Providers, Consumer Data Resellers and other third parties
• Public Record Sources (Federal, State or Local Government Sources)
• Information from our Affiliates
• Website/Mobile App Activity/Social Media
• Information from Client Directed Third Parties

How to Exercise Your California Privacy Rights

To request access to or deletion of your Personal Information, or to exercise any other data rights under California law, please contact us using one of the following methods:

• Website: Visit Fairway's online request form →
• Phone: (877) 699-0353

We aim to respond to a consumer request for access or deletion within 45 days of receiving that request.

CCPA FAQs

SMS Privacy Policy

Fairway Independent Mortgage Corporation ("Fairway") is committed to protecting your privacy. This SMS Privacy Policy (the "Policy") governs how we treat the Personal Information that we collect and receive from you in connection with your use of the SMS Service ("Service"), which we make available to you through a third-party service provider.

By using the Service, you agree to the terms of this Policy. Fairway reserves the right, in its sole discretion, to modify or change this Policy at any time with or without prior notice to you.

What Personal Information Is Collected

Through the use of the Service, Fairway will receive: your mobile phone number when you send a text message to us, the text of messages that you send, any user or screen name that you select in connection with the Service, as well as any comments or feedback regarding the Service that you send to us.

How Fairway Uses Personal Information

We use Personal Information to: (a) provide you with the Service, (b) process and respond to inquiries, (c) improve the Service, (d) contact you with important announcements or messages, (e) conduct research, and (f) provide anonymous reporting for internal and external clients and partners.

Opting In and Opting Out

A mobile user might opt-in by entering a phone number online, filling out an online form that includes their phone number, or signing up at a point-of-sale.

You can opt out of the Service at any time by replying "STOP" to any text message you receive. After you send "STOP," we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

SMS Terms of Service

1. Fairway will allow several different opportunities to opt-in to SMS services, such as entering a phone number online.
2. You can cancel the Service at any time by replying "STOP" to any text message. We will send a confirmation SMS, and you will no longer receive messages.
3. We are able to deliver messages to various mobile phone carriers, including AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile.
4. Message and data rates may apply for any messages sent to you from us and to us from you. Fairway is not liable for the cost of any such messages. If you have any questions about your text plan or data plan, contact your wireless provider.
5. You understand that anyone with access to your mobile phone may be able to view the messages you receive when using the Service, and you agree that Fairway will not be liable to you if this occurs.
6. You understand that you are not required to consent to the Service to receive any other services from Fairway.
7. By agreeing to these Terms of Service and providing us with your mobile phone number when you opt in to the Service, you authorize Fairway to contact you by text message at your mobile phone number using an automatic telephone dialing system or device, or any other computer-assisted technology as applicable.

Children

The Service is not intended for children under 13, and Fairway does not knowingly collect information from children under the age of 13. Children aged 13 or older should not submit any Personal Information without the permission of their parents or guardians.

Intended Audience

Fairway requires that users of this service be limited to US residents only.

Questions or Concerns?

If you have any additional questions regarding this Policy, please feel free to contact us by sending an email to privacy@fairwaymc.com.