Privacy Policy & Cookies

Effective Date: October 1, 2024 Last Updated: August 12, 2026

First USA Mortgage Solutions, Inc ("FUMS," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard information you provide when using our website and services.

Who we are. FUMS is a licensed mortgage broker, NMLS #2597839, licensed in Pennsylvania and Florida. Because we broker residential mortgage loans, we are a "financial institution" under the federal Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq.

Scope of this policy. This Privacy Policy covers information collected through fumsolutions.com and our general business communications. If you apply for a mortgage loan with us, you will separately receive a GLBA Privacy Notice(sometimes called a "Financial Privacy Notice") describing how we collect, share, and protect your nonpublic personal financial information, together with any opt-out rights available to you. Where the GLBA Privacy Notice and this policy differ with respect to loan application information, the GLBA Privacy Notice controls.

This website is intended for users located in the United States.

1. Information We Collect

A. Information you provide to us

When you submit a form on our website — for example, a prequalification, contact, or calculator form — we may collect:

Full name
Email address
Telephone number, including mobile number
Mailing address and subject property address
Property details (type, estimated value, intended occupancy)
Self-reported credit score range
Employment, income, and asset information you choose to share
Loan preferences, timeline, and goals
Any notes or messages you send us

B. Information collected during a loan application

If you proceed to a mortgage application, we collect additional nonpublic personal information required to originate a loan, which may include Social Security number, date of birth, government-issued identification, bank and asset statements, tax returns, pay stubs, and information about your existing debts and properties. This information is governed primarily by the GLBA Privacy Notice referenced above.

C. Information collected automatically

IP address and approximate location derived from it
Browser type, device type, and operating system
Referring and exit URLs
Pages viewed and time spent on pages
Click behavior and other analytics data
Cookie and similar identifiers

D. Information from third parties

With your authorization, we may receive information from consumer reporting agencies, verification services, lenders and investors, appraisers, title companies, and referral partners who introduce you to us.

2. How We Use Your Information

We use your information to:

Respond to your inquiry and process prequalification and loan requests — to assess eligibility, obtain pricing, and submit applications on your behalf.
Communicate with you — by telephone, email, and, where you have separately opted in, by SMS text message, regarding your inquiry, application status, appointments, document requests, and questions.
Verify your identity and prevent fraud.
Improve our website and services — by analyzing how visitors use the site.
Marketing, where permitted — to send newsletters, rate updates, and service information. You may opt out at any time.
Comply with legal and regulatory obligations — including mortgage lending laws, recordkeeping requirements, anti-money-laundering rules, audits, subpoenas, and lawful requests from regulators or authorities.

3. Credit Reports and the Fair Credit Reporting Act

If you authorize us to do so, we may obtain a consumer report (credit report) from one or more consumer reporting agencies for the permissible purpose of evaluating your mortgage application, as permitted under the federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681b.

If credit is denied or the terms offered are less favorable based in whole or in part on information in a consumer report, you will receive an adverse action notice identifying the agency that supplied the report and informing you of your right to obtain a free copy of it and to dispute its accuracy.

Credit inquiries are made only with your authorization. We do not obtain consumer reports for marketing purposes.

4. SMS Text Messaging and Mobile Information

When you provide your mobile telephone number and affirmatively opt in by checking the SMS consent box on one of our forms, First USA Mortgage Solutions may send you SMS text messages relating to your inquiry, loan application status, appointment scheduling, document requests, and direct communications from your loan officer.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.Information sharing with subcontractors in support services, such as customer service providers or messaging platform providers, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

The SMS consent checkbox is separate, optional, and not pre-checked. Consent to receive SMS messages is not a condition of purchase or of receiving any service from us.

Message frequency varies.
Message and data rates may apply.
Reply STOP to any message to unsubscribe at any time.
Reply HELP for assistance, or contact us at info@fumsolutions.com or +1 (888) 716-3867.
Carriers are not liable for delayed or undelivered messages.

We maintain records of the date, time, and language of the consent you provided.

5. Telephone Calls, Do Not Call, and Recording

We maintain a written internal Do Not Call policy in accordance with federal telemarketing rules. If you ask us not to call you, we will record your request and honor it. A copy of our internal Do Not Call policy is available on request at info@fumsolutions.com.

We honor the National Do Not Call Registry and applicable state do-not-call lists, including the Florida Do Not Call list maintained by the Florida Department of Agriculture and Consumer Services.

We place calls and send text messages only during hours permitted by federal and applicable state law, based on the recipient's local time.

Some telephone calls with our team may be monitored or recorded for quality assurance and training purposes. Where recording requires notice or consent under applicable state law, notice will be given at the start of the call.

6. Sharing Your Information

We do not sell or rent your personal information.

We may share your information with:

Lenders, investors, and wholesale partners — to obtain loan pricing and submit your application.
Consumer reporting agencies and verification providers — where you have authorized a credit inquiry or verification.
Settlement service providers — such as title companies, appraisers, insurance agents, and escrow agents, as needed to complete your transaction.
Service providers acting on our behalf — including CRM, telephony and messaging platforms, email providers, hosting, e-signature, and document storage vendors, each bound by contractual confidentiality and data-protection obligations.
Referral partners — where you were introduced to us by a partner and have consented to that partner receiving updates about your transaction.
Legal authorities and regulators — when required by law, subpoena, examination, audit, or legal process.

Mobile telephone numbers and SMS consent data are excluded from all sharing for marketing or promotional purposes, as described in Section 4.

Where we share nonpublic personal financial information subject to the GLBA, we do so only as permitted by that statute and as described in the GLBA Privacy Notice provided to you.

7. Data Retention

We retain personal information for as long as necessary to provide our services and to satisfy legal, regulatory, and recordkeeping obligations applicable to mortgage brokerage.

Loan application and transaction records: retained for the periods required under federal and Pennsylvania and Florida mortgage lending regulations, generally not less than three years from the date of final action, and longer where a specific rule or investigation requires.
Inquiry, prequalification, and marketing records: retained up to three years following your last interaction with us.
Consent and opt-out records (including SMS consent and do-not-call requests): retained for at least five years, or longer where necessary to demonstrate compliance.

When information is no longer needed, we securely delete or de-identify it.

8. Data Security

We maintain administrative, technical, and physical safeguards designed to protect your information, including encryption of data in transit, access controls limiting access to personnel with a business need, secure hosting, and vendor due diligence. These measures are intended to satisfy the GLBA Safeguards Rule as applicable to our operations.

No online system is completely secure, and we cannot guarantee absolute protection. If a breach of your unencrypted personal information occurs, we will notify you and applicable regulators as required by Pennsylvania, Florida, and other applicable state breach-notification laws.

9. Your Rights and Choices

Depending on where you live and the nature of the information involved, you may have the right to:

Access the personal information we hold about you
Correct inaccurate information
Request deletion of personal information, subject to our legal retention obligations
Withdraw consent you have previously given
Object to or restrict certain processing
Opt out of marketing communications, at any time, via the unsubscribe link in emails, by replying STOP to text messages, or by contacting us

To exercise any of these rights, email info@fumsolutions.com or call +1 (888) 716-3867. We may need to verify your identity before acting on a request. We will not discriminate against you for exercising your rights.

Important: Personal information we collect and use in connection with a mortgage transaction is generally governed by the GLBA and is exempt from most state consumer privacy statutes. The rights described below therefore apply primarily to website visitors and general marketing contacts.

California residents

The California Consumer Privacy Act, as amended by the CPRA, provides California residents with rights to know, delete, correct, and to opt out of the sale or sharing of personal information and of certain targeted advertising. We do not sell personal information, and we do not share it for cross-context behavioral advertising as those terms are defined under the CCPA. You may also designate an authorized agent to make a request on your behalf.

Florida residents

We are licensed to conduct mortgage business in Florida and comply with applicable Florida consumer protection law, including the Florida Telephone Solicitation Act, Fla. Stat. § 501.059, and Florida's data breach notification law, Fla. Stat. § 501.171. The Florida Digital Bill of Rights applies only to businesses meeting statutory revenue thresholds; where it applies to us, we will honor the rights it provides.

Pennsylvania and other states

Residents of Pennsylvania and other states may have rights under state law, including breach notification rights under 73 P.S. § 2301 et seq. We honor verified requests from residents of any state to access, correct, or delete marketing information we hold, subject to our legal retention obligations.

10. Children's Privacy

Our website and services are directed to individuals 18 years of age and older. We do not knowingly collect personal information from children under 13, consistent with the Children's Online Privacy Protection Act (COPPA). If we learn that we have collected such information, we will delete it promptly. If you believe a child has provided us with personal information, contact us at info@fumsolutions.com.

11. Cookies and Tracking Technologies

What are cookies?

Cookies are small text files placed on your device to help the site function properly, remember your preferences, and analyze site usage.

Types of cookies we use

Essential cookies — necessary for the site to function (form submission, navigation, security).
Analytics cookies — help us understand how visitors use the site (for example, Google Analytics).
Marketing cookies — used for advertising and conversion tracking (for example, Google Ads, Meta Pixel).
Consent cookies — record your cookie preferences.

Consent mode

We use Google Consent Mode to respect your choices regarding cookies and tracking. Non-essential cookies are activated only after you give explicit consent through our cookie banner.

Managing cookies

You can change your preferences at any time through our cookie banner, and you can configure your browser to refuse or delete cookies. Disabling some cookies may affect site functionality.

Do Not Track

Because there is no industry-standard response to browser "Do Not Track" signals, our website does not currently respond to them. We do honor opt-out preference signals where required by applicable law.

12. Third-Party Services and Links

We use third-party services for analytics, advertising, form processing, communications, and customer relationship management. These providers process data on our behalf under contract.

Our website may link to third-party websites. We do not control and are not responsible for the content, accuracy, or privacy practices of those sites. We encourage you to review the privacy policy of any third-party site you visit.

13. Updates to This Policy

We may update this policy from time to time. Material changes will be posted on this page with a revised "Last Updated" date, and where required by law we will provide additional notice. Please review this page periodically.

14. Contact Us and Regulatory Information

Questions, requests, or complaints regarding this Privacy Policy:

First USA Mortgage Solutions, Inc 3103 Hulmeville Road, Suite 200 Bensalem, PA 19020

📧 info@fumsolutions.com 📞 +1 (888) 716-3867

NMLS #2597839 — verify at nmlsconsumeraccess.org Licensed in Pennsylvania and Florida.

You may also contact the Pennsylvania Department of Banking and Securities or the Florida Office of Financial Regulation regarding a licensed mortgage business.

Consent

By using this website, submitting information through our forms, or accepting cookies via our cookie banner, you agree to the collection and processing of your information as described in this policy.

Consent to receive SMS text messages is given separately and only by checking the SMS consent box on one of our forms. It is never a condition of using this website or of receiving any service from us, and it may be withdrawn at any time by replying STOP.