Privacy Policy

1. Information We Collect

First Nation Fidelity, LLC ("we," "our," or "us") is committed to protecting your privacy online. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or use our services.

Depending on how you interact with us, we collect the following categories of information:

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and maintain our services
• To deliver customer support and respond to inquiries
• To process transactions and send related information
• To improve our marketing efforts and promotional activities
• To personalize user experience and deliver tailored content
• To send administrative communications, including service updates and policy changes
• To comply with legal obligations and enforce our terms

3. Information Sharing & Disclosure

We disclose information to service providers that help us operate the website and respond to requests. The current website uses Vercel for hosting and serverless functions, Supabase for application and inquiry records, and Resend for certain emails. We may also disclose relevant information to lenders, capital providers, title or closing professionals, appraisers, insurers, attorneys, accountants, contractors, and other parties involved in a service or transaction you ask us to evaluate or coordinate.

We may also disclose information when required by law, to respond to valid legal process, protect rights or safety, prevent fraud or abuse, enforce agreements, or complete a merger, financing, acquisition, reorganization, or sale of all or part of our business. We do not sell personal information for money. As of the effective date, we do not use cross-context behavioral advertising on this website and do not sell or share personal information as those terms are defined by the California Consumer Privacy Act.

4. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Improve website functionality and performance
• Maintain security and ordinary hosting logs

The site may use browser storage or similar technology for essential functions and preferences, such as language selection or interface state. We do not currently place third-party advertising cookies on the public website. You can clear cookies or site data through your browser; doing so may reset preferences. Because we do not currently engage in cross-context behavioral advertising, Global Privacy Control signals do not change advertising behavior on this site.

5. Your Choices & Rights

You have the following options regarding your personal information:

• Opt out of marketing: Unsubscribe from promotional emails at any time using the link provided in our communications.
• Update personal information: Request corrections or updates to your data by contacting us directly.
• Limit tracking: Adjust your browser or device settings to limit cookie-based tracking.
• Request deletion: Ask us to delete personal information, subject to legal exceptions and recordkeeping duties.
• Access and portability: Depending on your location, ask to know or receive a copy of personal information we maintain about you.
• Appeal: Where applicable, appeal our decision on a privacy request.

To exercise a right, email support@firstnationfidelity.com with the subject “Privacy Request” or call (302) 240-9918. We may need to verify your identity and authority before acting. Applicable rights vary by jurisdiction, and financial or transaction records may be exempt or retained when permitted or required by law. We will not discriminate against you for exercising an applicable privacy right.

6. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No Internet transmission or storage system is completely secure, so we cannot guarantee absolute security. Do not submit Social Security numbers, bank credentials, or identity documents through a general contact or chat form; use the secure channel specified by our team when those materials are needed.

7. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or security of these external sites. We encourage you to review the privacy policies of any third-party website you visit through links on our site.

8. Children's Privacy

Our website and services are directed to adults and are not intended for children under 18. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact us so we can review and, where appropriate, delete it.

9. Changes to This Privacy Policy

We may update this policy to reflect changes in our practices, services, or legal duties. We will post the revised version here and update the effective date. We will provide additional notice when required by law.

10. SMS Consent & Phone Numbers

We do not share SMS opt-in consent or mobile numbers with third parties for their own marketing. We may use messaging and communications vendors to deliver messages on our behalf.

Information collected at (302) 240-9918 remains strictly confidential and is used solely for the purposes described in this policy.

11. Message Types

You may receive the following types of SMS messages from First Nation Fidelity:

• Meeting confirmations and scheduling updates
• Service notifications and status updates
• Appointment reminders
• Case follow-ups and transaction updates

12. Message Frequency

You may receive up to 10 SMS messages per week, depending on the type and status of your communication with us. Message frequency varies based on your active transactions and service interactions.

13. Carrier Fees

Standard carrier message and data rates may apply to SMS messages sent to or from First Nation Fidelity. These rates apply both domestically and internationally. Please contact your wireless carrier for details about your messaging plan.

14. Opt-In Method

Submitting a general website form does not by itself enroll you in recurring marketing text messages. We send recurring marketing SMS only after a separate opt-in or another legally sufficient consent. Consent is not a condition of obtaining a quote, applying, or purchasing a service. We may still call or email you to respond to a request you submit.

15. Opt-Out

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. You may also opt out by contacting us directly at (302) 240-9918 or by emailing support@firstnationfidelity.com.

16. Help

For assistance with SMS messaging, reply HELP to any message you receive from us, or call us directly at (302) 240-9918.

17. Standard Disclosures

18. Financial Information and Retention

Information collected in connection with a financial product or service may be governed by federal or state financial privacy laws, including the Gramm-Leach-Bliley Act, or may be exempt from portions of state privacy laws. Information used for credit eligibility may also be subject to the Fair Credit Reporting Act. Where required, a separate financial privacy notice or authorization will control for that information. This website policy does not authorize us to obtain a consumer report.

We retain information only as long as reasonably necessary to respond to requests, provide or coordinate services, maintain transaction and business records, meet legal or regulatory duties, resolve disputes, prevent fraud, and enforce agreements. Retention periods vary by record type, transaction status, and applicable law. We delete or de-identify information when it is no longer reasonably needed, unless law permits or requires longer retention.

19. International Access

If you access our services from outside the United States, information may be processed in the United States, where privacy laws may differ from those in your location.

20. Contact Us

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