Our Privacy Policy
We work diligently to safeguard the information you give us. We developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.
CenturyPoint Mortgage, a division of First Century Bank, does not disclose any non-public personal information about our customers or former customers to anyone except as permitted by law.
- We do not sell or share any non-public personal information with marketers outside our company.
- We do not sell or share any such information with other financial institutions through the use of joint marketing agreements.
- Any direct marketing offer sent directly by us always provides information on how to opt out of any future direct marketing offers from our company.
Notice of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean First Century Bank, N.A., dba CenturyPoint Mortgage.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Safe deposit box
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
The Information We Collect
During the course of processing your application, we accumulate certain non-public personal financial information about your income, assets and credit history in order to allow us to make an informed decision about granting you credit. We collect such non-public information about you from the following sources:
- information we receive from you on applications or other forms
- information obtained when verifying the information you have provided
- information about your transactions with us
- information we receive from consumer reporting agencies
The Law Regarding Disclosure of Your Information
By law, lenders may disclose non-public personal information they collect to companies that perform marketing or other services on their behalf or to other financial institutions with whom they have joint marketing agreements. They may also disclose such information under certain other circumstances permitted or required by law, including in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, or the sale of a mortgage to another lender.
Information We Disclose About You
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to process your loan, service your account or prevent unauthorized transactions.
The Confidentiality, Security, and Integrity of Your Information
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
Information about Former Customers
We do not disclose information about former customers, except as permitted by law.
Email is an important communication tool, but it is not considered a secure means for transmitting confidential information. We do not transmit sensitive information using email and encourage our customers to follow the same practice.
Future Changes To Our Policy
If at any time in the future we revise this Privacy Policy to allow additional disclosure of non-public private information to non-affiliated companies, as permitted by law, we will provide notice of such change to you prior to implementation of the new policy.
If you have any questions regarding this Privacy Policy, please call us at 877-998-9900 or email us at questions@MyCenturyPoint.com
