Privacy Policy

Effective Date: September 11, 2026

This Privacy Policy describes how Home1st Financial, Inc. ("we", "us", or "our") collects, uses, and discloses your personal information when you use our website or services.

1. Categories of Information Collected

We collect information that identifies, relates to, or could reasonably be linked with you ("Personal Information"). We may collect the following categories:

• Identifiers: Name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, or other similar identifiers.
• Customer Records: Telephone number, financial information, employment history.
• Internet Activity: Browsing history, search history, information on your interaction with our website or applications.

Note: This marketing website does not collect Social Security Numbers or complete financial account numbers. Such sensitive information is only collected when you proceed to our secure, separate loan application portal (operated by Arive or another authorized LOS vendor) after speaking with a loan officer.

2. Sources of Information

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you (e.g., from forms you complete or products and services you purchase).
• Indirectly from you (e.g., from observing your actions on our website).
• From third-party service providers and analytics partners.

3. Purposes for Collection

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information (e.g., responding to an inquiry or beginning a mortgage quote).
• To provide, support, personalize, and develop our website and services.
• To process your requests and prevent transactional fraud.
• To provide you with support and respond to your inquiries.
• To personalize your website experience and deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law).

4. CRM and Service-Provider Sharing

We may share your personal information with service providers, including customer relationship management (CRM) systems, marketing platforms, and IT infrastructure providers, who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

5. Analytics and Cookies

We use cookies and similar tracking technologies to track the activity on our website and hold certain information. We use third-party analytics services, such as Google Analytics, to monitor and analyze the use of our service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

6. Advertising Technologies

We may partner with third-party ad networks to either display advertising on our website or to manage our advertising on other sites. Our ad network partners use cookies and Web beacons to collect non-personally identifiable information about your activities on this and other websites to provide you targeted advertising based upon your interests.

7. SMS and Telephone Communications

If you provide your phone number and consent, we may communicate with you via SMS text messages or telephone calls regarding your inquiry. You may opt out of receiving text messages at any time by replying "STOP" to a message.

8. Information Security

The security of your data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or as required to comply with our legal obligations (such as state and federal mortgage regulations), resolve disputes, and enforce our legal agreements and policies.

10. Consumer Choices

You have the right to request access to the personal information we have collected about you, request correction of inaccurate information, or request deletion of your personal information, subject to certain legal exceptions (such as our regulatory requirement to maintain mortgage inquiry records).

11. State-Specific Rights

Depending on your state of residence, you may have specific rights regarding your personal information under state law. Please contact us using the information below to exercise these rights.

12. Contact Information

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

• By email: [Contact Email]
• By phone: [Contact Phone]
• By mail: [Company Address]

13. Policy Changes

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 of this Privacy Policy.