First Mortgage Direct Website Privacy Policy
This policy describes First Mortgage Direct, a division of Bison State Bank (“Bison State Bank,” “we” or “our”) collection, processing, transfer and storage of data from visitors to our website at www.fmdloans.com (our “Website”). This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by First Mortgage Direct.
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number
- Payment history
- Credit history
- Credit scores
- Mortgage rates and payments
- Employment information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bison State Bank chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Bison State Bank share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliated to market to you | No | We don’t share |
Questions?
Call 785-356-2195 or go to bisonstatebank.com
What we do
How does Bison State Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Bison State Bank collect my personal information?
We collect your personal information, for example, when you:
• Open an account
• Give us your contact information
• Pay us by check
- Provide your mortgage information
- Make a wire transfer
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include: First Mortgage Solutions, LLC
Nonaffiliated
Companies not related by common ownership or control. They can be financial and non-financial companies. Bison State Bank does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Bison State Bank doesn’t jointly market.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.