Your Privacy is Important to Us

Our Consumer Privacy Policy is provided to help you understand how we protect your financial privacy. This Policy provides you with an opportunity to make informed choices about the management of personal information about you.

Policy:

Information Covered by this Policy.
Our Policy applies to all personally identifiable financial information about you that is obtained by FindAMortgage.com in connection with providing a consumer financial product or service for personal, family, or household purposes ("personal information"). Our Policy will continue to cover information we may collect about you during the course of our relationship as well as after the relationship has ended.

How We Collect Personal Information.
We rely on many sources of information to understand and meet your needs. We collect personal information about you from:

 - your applications or in other ways when you visit us in person, over the phone, through the mail or through our websites

 - your browser, when you visit our websites and your browser interacts with us

 - your transactions with any of the companies in our corporate family

 - consumer reporting agencies and

 - other sources, in connection with providing you a financial product or service.



How We Keep Information Secure.
Information security is one of our highest priorities, as described in our internal employee Code of Conduct, this Policy, and the contracts and agreements that we sign with external suppliers and partners.

We limit access to personal information about you to those employees and agents who need to know the information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information and we regularly review our security standards and procedures to protect against unauthorized access to personal information.

Information Sharing and Your Opportunity to "Opt Out".
People often tell us that they prefer a financial services provider that takes an "integrated approach". They want us to understand their needs and make recommendations about financial services. For this reason and others, we may share any of the personal information that we collect about you among other companies as permitted by law.

Disclaimer:

Not an offer to enter into a lock in agreement. This advertisement is for First Mortgage Loans.
A.P.R.is subject to increase. The Third party fees: Settlement, notary, recording, title, appraisal, processing, origination, discount fees range from Zero to 7% and more of the loan amount/amount borrowed- Fees and taxes vary by state. Closing and settlement fees vary by state and lender and is solely up to the discretion of the mortgage company, lender, and or bank.


Rate as of (example) 12/22/04. Actually interest rate may vary from the published rate and will depend on the credit worthiness and other factors. www.findamortgage.com is not a lending intuition. Our corporate address is: 15 Salt Creek Lane, Hinsdale, IL 60521 (630) 323-1326


The Fair Credit Reporting Act gives you the opportunity to limit the sharing of "non-experience information". "Non-experience information" includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:

 - from your applications, such as your income or marital status

 - from a credit report, such as your credit history; and

 - from sources used to verify representations made by you, such as your open lines of credit or employment history.


If you choose to opt out of the sharing of this information we will not share non-experience information about you.


Choosing to opt out of this information sharing may limit opportunities for you to receive product and service information that may interest you.


We may share any of the personal information that we collect about you with outside companies or other organizations as permitted by law, including:

 - financial service providers, such as mortgage bankers and securities broker-dealers

 - non-financial companies such as retailers, direct marketers, membership clubs and publishers and

 - other companies and organizations, such as non-profit organizations.



If you prefer that we not share personal information about you with other companies and organizations (except information described below under "Other Information Sharing"), you may opt out; that is, you may direct us not to share this information by calling us toll-free at (800)699-3799


If you choose to opt out of the sharing of personal information with other companies and organizations outside we will not share any personal information about you for any accounts or loans that you may have with us. Choosing to opt out of this information sharing may limit opportunities for you to receive product and service information that may interest you.

Other Information Sharing.
We may also share personal information about you with companies or other organizations as required by or permitted by law. For example, we may share personal information to protect against fraud, respond to a subpoena or service your account.

In addition, we may work with companies or organizations outside of this company to provide services or to provide you with opportunities to buy financial products or services offered by us or jointly with other financial institutions. Consequently, when permitted by law, we may disclose any of the personal information that we have collected about you to:

other financial institutions with whom we have joint marketing agreements and

companies that perform services, including marketing services for us, or for us and the financial institutions with whom we have joint marketing agreements.



For your protection, we require that these companies keep all personal information secure and confidential.

For Vermont residents, please review additional Privacy information.

Web links.
We are not responsible for the collection, use or security of information by companies or organizations that may be linked to our websites. We encourage you to read the privacy policies of websites reached through the use of links from our websites.

Children's Online Information Privacy.
We don't knowingly collect, maintain, or use personal information from our websites about children under age 13. If a child who we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

Companies Providing This Notice.
This policy is provided by the companies listed below. Separate disclosures of additional information may be provided to you if required under applicable state law.

VERMONT

Under Vermont law, we will not share application information, credit bureau reports or credit scores of Vermont residents without consent. In addition, we will not share information with third parties to market non-financial products without consent. As a Vermont resident, you do not need to take any action to limit information sharing.


We will not share any of the personal information that we collect about you with companies or other organizations without your express written consent, except as set forth in this section.

We may share personal information as required by or permitted by law. For example, we may share personal information to:

 - protect against fraud

 - respond to a subpoena or

 - service your account.


We may share any of the information that we collect, as described above, to companies that perform marketing services for us.

We may disclose the following information to other financial institutions with which we have joint marketing agreements or to companies that perform services for us and other financial institutions under joint marketing agreements, in order to provide you with opportunities to buy financial products or services offered jointly with these other financial institutions:

Your name and contact information

Information about your transactions with us or our affiliates, such as your account balance, payment history, parties to transactions and credit card usage.


For your protection, we require that these companies keep all personal information secure and confidential.


Cookies and Privacy
Although there has been some debate over the privacy implications of cookies, it is important for you to know that cookies do not read your hard drive, nor can they be used to reveal anything about you that you have not chosen to enter as a user on a site. In addition, cookies are unique to servers and are not shared among web servers.