Privacy Policy

Effective Date: July 22, 2025

Welcome to First Growth Financial ("we," "us," "our"). We are committed to protecting the privacy and security of your personal information. This privacy policy describes how we collect, use, share, and protect the personal information you provide to us when you visit our website, [www.firstgrowthfs.com] (the "Site"), or use our mortgage brokerage services.

By using our site and services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We collect various types of information in connection with the services we provide, including:

A. Personal Information You Provide to Us:

Personal Identifiers: Full name, mailing address, email address, telephone number, Social Security Number (SSN), date of birth, and driver's license or other government-issued ID number.
Financial Information: Income, assets, debts, bank account statements, investment account information, tax returns, pay stubs, credit history, and credit scores.
Employment Information: Employer name, job title, length of employment, and employment history.
Property Information: Information about the property you are seeking to finance, including its address and value.
Demographic Information: Marital status, number of dependents.

B. Information We Collect from Third Parties:

To process your mortgage application, we may collect information about you from third parties, such as:

Credit reporting agencies (e.g., Experian, Equifax, TransUnion) to obtain your credit report and score.
Your employer to verify employment and income.
Financial institutions to verify your assets and account information.

C. Information Collected Automatically:

When you visit our Site, we may automatically collect certain information about your device and Browse activity, including:

Log Data: Your Internet Protocol (IP) address, browser type and version, pages of our Site that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
Cookies and Tracking Technologies: We use cookies and similar tracking technologies to track activity on our Site and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

How We Use Your Information

We use the information we collect for the following purposes:

To provide and manage our mortgage brokerage services.
To process your loan application and submit it to potential lenders.
To verify your identity, creditworthiness, and financial information.
To communicate with you about your application, our services, and other updates.
To comply with federal, state, and local laws and regulations.
To prevent fraud and enhance the security of our Site and services.
To improve our website, products, and services.

How We Share Your Information

We do not sell your personal information. We may share your information with the following third parties only as necessary to provide our services or as required by law:

Lenders and Financial Institutions: To submit your loan application for consideration and underwriting.
Credit Reporting Agencies: To assess your creditworthiness.
Title and Escrow Companies: To facilitate the closing of your loan.
Appraisers: To obtain an appraisal of the property.
Government Agencies and Regulators: To comply with legal obligations, such as reporting requirements under anti-money laundering laws.
Service Providers: We may employ third-party companies and individuals to facilitate our service (e.g., website hosting, data analysis, IT support). These third parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. We use technologies like Secure Sockets Layer (SSL) encryption to protect the transmission of sensitive information. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. Federal and state laws may require us to retain loan file information for several years.

Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, such as:

Right to Access: You may have the right to request access to the personal information we hold about you.
Right to Correction: You may have the right to request that we correct any inaccurate personal information.
Right to Deletion: You may have the right to request the deletion of your personal information, subject to certain exceptions (e.g., our need to retain the information to comply with a legal obligation).
Opt-Out of Communications: You may opt-out of receiving promotional emails from us by following the unsubscribe link provided in those emails.

To exercise these rights, please contact us using the information below.

Children's Privacy

Our services are not intended for or directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information from our servers.

Third-Party Links

Our Site may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

First Growth Financial Attn: Robert Karmalyuk, Privacy Officer

1739 Fernon Street

Philadelphia, PA 19145

Email: robert@firstgrowthfs.com

Phone: (215) 447-5272