Privacy Notice
How we handle your personal information.
This is the formal Gramm-Leach-Bliley Act privacy notice federal law requires us to give you. The plain-English version of our overall privacy posture is at our Privacy Policy.
FACTS
WHAT DOES FORWARD MORTGAGE DO WITH YOUR PERSONAL INFORMATION?
| 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:
|
| 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 Forward Mortgage chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Forward Mortgage 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 | No | We don’t share |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | No | We don’t share |
| 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 nonaffiliates to market to you | No | We don’t share |
| Questions? | Call (248) 956-0445 or email [email protected]. |
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Who we are
| Who is providing this notice? | Forward Mortgage, NMLS #2401169, MI License FL-0024719. 322 S. Main St. Suite 230, Rochester, MI 48307. |
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What we do
| How does Forward Mortgage 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 (encrypted transmission, access controls, secure document portals) and secured files and physical premises. We restrict access to your personal information to those employees, contractors, and authorized service providers who need to know that information to provide products or services to you. |
|---|---|
| How does Forward Mortgage collect my personal information? |
We collect your personal information, for example, when you
|
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only
|
Definitions
| Affiliates |
Companies related by common ownership or control. They can be financial
and nonfinancial companies.
|
|---|---|
| Nonaffiliates |
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
|
Other important information
Your loan application records. We are required by federal and Michigan state law to retain loan application records for specific periods (typically 25 to 36 months after the loan is closed or denied, depending on the regulation). After those periods, we securely dispose of records we’re no longer required to keep.
How you can reach us about this notice. If you have questions about how we handle your personal information, or you would like to request a copy of the information we have about you, contact us at (248) 956-0445 or [email protected], or write to us at the address above.
This notice satisfies the initial privacy notice requirement under the Gramm-Leach-Bliley Act (15 U.S.C. §6803) and Regulation P (12 CFR Part 1016). For the broader plain-English explanation of our website privacy practices — cookies, analytics, communications, and so on — see our Privacy Policy.