Privacy Policy

Introduction
1st 2nd Mortgage Co. of NJ, Inc. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.1st2ndmortgage.com (the "Site"). By accessing or using our Site, you agree to the terms of this Privacy Policy.

 Information We Collect
We may collect personal information that you voluntarily provide to us when you:

Apply for a loan or other financial products
Request information about our services
Contact us with inquiries
This information may include Name, contact information (email address, phone number, mailing address), Social Security Number, Employment and income information, financial information (assets, liabilities, credit history)

We may also collect non-personal information automatically when you visit our Site, such as: IP address, Browser type, Operating system, Pages visited, and time spent on the Site

Use of Information
We use the information we collect to:
Process and manage loan applications
Communicate with you about your account or transactions
Provide customer support
Improve our services and website functionality
Comply with legal obligations

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Sharing of Information
We do not sell or rent your personal information to third parties. We may share your information with:
Service providers who assist in our business operations
Affiliates and subsidiaries for internal purposes
Law enforcement or regulatory agencies as required by law

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third parties.

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Security of Information
We implement reasonable security measures to protect your personal information.
However, no method of transmission over the Internet is entirely secure, and we cannot guarantee absolute security.

Your Choices
You may choose to:
• Opt-out of receiving marketing communications
• Update or correct your personal information
• Request deletion of your personal information, subject to legal requirements
To exercise these choices, please contact us at info@1st2ndmortgage.com.

Minors
Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

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Contact Us
If you have any questions or comments about the information in this Privacy Policy or any term or condition of your agreement with us, please contact us at info@1st2ndmortgage.com.

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Consent to Communications
By providing your email address and/or phone number, you consent to receive communications from us, including emails and text messages, related to our services and your transactions with us.

Email Communications
Emails from us may contain important information about your account or transactions. Please ensure that your email settings allow you to receive messages from info@1st2ndmortgage.com. We are not responsible for emails that are not received due to spam filters or other technical issues.

Text Message Communications
Text messages may be used for account notifications, appointment reminders, or other service-related communications. Message and data rates may apply. You can opt-out of text messages at any time by replying "STOP" to any message.

Message Frequency
Message frequency may vary depending on the type of communication. For example, you may receive up to 5 weekly SMS messages related to your loan transaction.

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Opt-In Method
You may opt-in to receive SMS messages from Loan Factory by submitting an online form.

Opt-Out Method
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

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SMS Disclosure
If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
Message and data rates may apply.
You can opt-out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
Message frequency may vary.

 

 

Terms of Use for 1st 2nd Mortgage Co. Of NJ Inc.

Acceptance of Terms
By accessing or using the website https://www.1st2ndmortgage.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy.

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Use of the Site
You agree to use the Site for lawful purposes only and in accordance with these Terms. You are prohibited from:
Violating any applicable laws or regulations
Infringing upon the rights of others
Uploading or transmitting viruses or other harmful code

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Intellectual Property
All content on the Site, including text, graphics, logos, and images, is the property of 1st 2nd Mortgage Co. of NJ, Inc. and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Disclaimer of Warranties
The Site is provided on an "as-is" and "as-available" basis. We make no warranties regarding the accuracy, completeness, or reliability of the Site's content.

Limitation of Liability
To the fullest extent permitted by law, 1st 2nd Mortgage Co. of NJ, Inc. shall not be liable for any damages arising from your use of the Site.

Indemnification
You agree to indemnify and hold harmless 1st 2nd Mortgage Co. of NJ, Inc. from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

Governing Law
These Terms shall be governed by the laws of the State of New Jersey, without regard to its conflict of law principles.

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Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting on the Site.

Contact Us
If you have any questions or comments about the information in this Privacy Policy or any term or condition of your agreement with us, please contact us at info@1st2ndmortgage.com.