PRIVACY POLICY

This Privacy Policy applies to LoanSystems.com and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to LoanSystems include all services provided on the LoanSystems.com website.

LoanSystems is designed to assist mortgage originators generate leads and originate loans. LoanSystems provides web-based tools to help mortgage professionals market their services, receive questions from prospective borrowers, accept Pre-Qual and Loan Applications, receive loan referrals from their real estate associates, and connect clients and associates with their social media pages.

By using LoanSystems, you consent to the data practices described in this statement.

COLLECTION OF YOUR PERSONAL INFORMATION

To provide users with the services offered by LoanSystems, LoanSystems, Inc. may collect personally identifiable information, such as your:

• a) First and Last Name
• b) Mailing Address
• c) E-mail Address
• d) Phone Number
• e) Employer
• f) Job Title
• g) NMLS Number

If you establish a LoanSystems Paid User account, LoanSystems, Inc. collects billing and credit card information. This information is used to process payments for your account.

The nature of LoanSystems is to promote the business and services of mortgage professionals and assist them in generating leads and originating loans. Please keep in mind that personally identifiable information or sensitive data that you display on LoanSystems services that are accessible on the Internet, such as information that displays on a Loan Concierge Page, may be collected and used by others.

LoanSystems, Inc. does not collect any personal information about you unless you voluntarily provide it. However, you may be required to provide certain personal information when you elect to use certain LoanSystems services. These may include:

• a) Registering for a Paid or Free User account on LoanSystems.com;
• b) Sending LoanSystems. Inc. an email message;
• c) Submitting your credit card or other payment information for services provided on LoanSystems.com.

LoanSystems, Inc. may use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. LoanSystems, Inc. may gather additional personal or non-personal information in the future to enhance its services and value to users.

USE OF YOUR PERSONAL INFORMATION

LoanSystems, Inc. collects and uses your personal information to operate its website and deliver the services you have sign-up for. LoanSystems, Inc. may also use your personally identifiable information to inform you of other products or services available from its affiliates when you have consented to receive such information.

SHARING INFORMATION WITH THIRD PARTIES

LoanSystems, Inc. does not sell, rent or lease its customer lists to third parties.

LoanSystems, Inc. may share data with trusted partners to help perform statistical analysis, send you email or postal mail, or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to LoanSystems, Inc., and they are required to maintain the confidentiality of your information.

LoanSystems, Inc. may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to:

• a) Conform to the edicts of the law or comply with legal process served on LoanSystems, Inc. or LoanSystems.com;
• b) Protect and defend the rights or property of LoanSystems, Inc.; and
• c) Act under exigent circumstances to protect the personal safety of users of LoanSystems.com, or the public.

SITEMAP INTEGRATION

LoanSystems integrates the information provided by Paid Users on their Loan Concierge Page into its sitemap, which is submitted to and continuously updated with Google. The objective is to allow these users' business information to be indexed by Google, making them easier to be found online. The only information that is included for search engine indexing is the information that is provided by the Paid User and that is publicly visible on their Loan Concierge Page.

AUTOMATICALLY COLLECTED INFORMATION

Information about your computer hardware and software may be automatically collected by LoanSystems, Inc. This information may include: IP address, browser type and version, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of LoanSystems.com.

LoanSystems may use Google Analytics, a web analysis service of Google Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer, to help the LoanSystems, Inc. analyze how users use the site. The information generated by the cookie about your use of LoanSystems.com is usually transferred to a Google server in the USA and stored there. On behalf of LoanSystems, Inc., Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide LoanSystems, Inc. with other services relating to website and Internet use.

The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of LoanSystems. You can also prevent Google from collecting the data generated by the cookie and relating to your use of the website (including your IP address) and from processing this data by Google by downloading and installing available browser plug-ins.

USE OF COOKIES

LoanSystems may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize LoanSystems pages, or sign-up as a Paid or Free User of LoanSystems, a cookie helps LoanSystems.com recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, and so on. When you return to the same LoanSystems page, the information you previously provided can be retrieved, so you can easily use the LoanSystems features that you customized.

You can accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of LoanSystems.com.

LINKS

LoanSystems may contain links to other websites. Please be aware that LoanSystems, Inc. is not responsible for the content or privacy practices of other websites. We encourage our users to be aware when they leave our website and to read the privacy statements of any other website that collects personally identifiable information.

SECURITY OF YOUR PERSONAL INFORMATION

LoanSystems, Inc. secures your personal information from unauthorized access, use, or disclosure. LoanSystems, Inc. uses the following methods for this purpose:

• a) EV SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected using Extended Validation (EV) Secure Sockets Layer (SSL) protocol.

LoanSystems.com is secured by a Norton EV SSL, which pairs advanced security features with the highest level of certificate validation. Extended Validation (EV) certificates are used by the world’s largest brands to control their online presence and protect their brand.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that:

• a) There are security and privacy limitations inherent to the Internet which are beyond our control; and
• b) Security, integrity, and privacy of all information and data exchanged between you and us through LoanSystems.com cannot be 100% guaranteed.

CHILDREN UNDER THIRTEEN

LoanSystems, Inc. does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

DISCONNECTING YOUR LOANSYSTEMS.COM USER ACCOUNT FROM THIRD PARTY WEBSITES

Paid Users are able to link their LoanSystems user accounts to third party websites. BY CONNECTING YOUR LOANSYSTEMS.COM ACCOUNT TO THIRD-PARTY ACCOUNTS, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE CONSENTING TO THE CONTINUOUS RELEASE OF INFORMATION ABOUT YOU TO OTHERS (IN ACCORDANCE WITH YOUR PRIVACY SETTINGS ON THOSE THIRD-PARTY SITES). IF YOU DO NOT WANT INFORMATION ABOUT YOU, INCLUDING PERSONALLY IDENTIFYING INFORMATION, TO BE SHARED IN THIS MANNER, DO NOT USE THIS FEATURE. You may disconnect your account from a third-party account at any time.

E-MAIL COMMUNICATIONS

From time to time, LoanSystems, Inc. may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communications. In order to improve our services, we may receive a notification when you open an email from LoanSystems, Inc. or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from LoanSystems, Inc., you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button."

EXTERNAL DATA STORAGE SITES

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

CHANGES TO THIS STATEMENT

LoanSystems, Inc. reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of LoanSystems.com after such modifications will constitute your:

• a) Acknowledgment of the modified Privacy Policy; and
• b) Agreement to abide and be bound by that Policy.

CONTACT INFORMATION

LoanSystems, Inc. welcomes your questions or comments regarding this Statement of Privacy. If you believe that LoanSystems, Inc. has not adhered to this Privacy Statement, please contact us at: