Updated March 2011

We Respect Your Privacy

We are committed to protecting your privacy online. This pledge details how we treat any personal information you may submit to us.

This Privacy Policy only applies to this website and not to websites maintained by other companies or organizations that link to us. In addition, this policy applies only to information collected by this website.

Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website.

The information we collect may be from the following sources:

• Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, telephone number, address, self-assessed property value, and relative credit value).
• Information you provide us when you register to receive communications from us (such as your email address).
• Information you provide us through surveys, feedback, or other forms hosted on our website.

Secure Web Pages
All of the pages on our web site that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. You can check this encryption by checking for the key (Netscape) or lock (Internet Explorer) icon on your browser. If your browser's security feature has been turned on, a pop up box will notify you when you enter a secure page.

Encryption
When you send your personal financial information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to intercept and read your personal information. When you send your information to us, SSL encrypts it (translates the data into a string of gibberish characters). Only we can decode the encryption.

Cookies and IP Addresses
In order to provide better service, we use “cookies”. A cookie is a small piece of information, which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies and the other information to enhance your experience and present you with personalized offers.

We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Information Sharing and Disclosure
We do not share personal information about you with other people or nonaffiliated companies except to provide product or services you have requested:

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of this website's Terms of Use, or as otherwise required by law.

Anti-Spam Policy
You will not receive this website email communications unless you submit your email address to us and register to receive them.

Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.

Changes to this Privacy Pledge
this website may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how this website will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your assent to this website's Privacy Pledge. If you do not agree to this policy, please do not use any of the this site. When you request rate quotes or other information through this site, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Pledge will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Pledge.

Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us.