Last updated: August 1, 2006


We Respect Your Privacy

At RefiForLess.com^®, your security is a top priority and we are committed to protecting your privacy online. This pledge outlines the steps we've taken to ensure that you have a great experience at RefiForLess.com, and also provides details on how we treat any personal information you may submit to us.

This Privacy Pledge applies to this website, RefiForLess .com. In addition, RefiForLess , Inc. owns several other domain names that point to RefiForLess.com, and we will from time to time add new sites that may or may not be listed in this Privacy Pledge. Please note that this policy applies only to sites maintained by RefiForLess, Inc. and not to websites maintained by other companies or organizations to which we link. In addition, this policy applies only to information collected by RefiForLess, Inc. online, not offline.

Disclosures & Licenses

RefiForLess is not a lender or a broker. The information provided by you to RefiForLess is not an questionnaire for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by a lender or broker that advertises with RefiForLess and you submit a loan questionnaire to such lender or broker, your information remains between you and that lender or broker.

RefiForLess does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

RefiForLess shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, questionnaire, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.

In no event shall RefiForLess be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, currentness, validity and quality of any information is with the user.

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. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. 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, self-assessed property value, and social security number).
• Information you provide us when you register to receive communications from us (such as your email address).
• Information you provide us when you enter promotions or sweepstakes offered by RefiForLess.com (such as your full name, physical address and email address).
• Information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a RefiForLess.com partner.

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other sources (such as service providers) for tracking purposes. We may add the information we receive about you to your existing account. Like other websites, we also automatically receive and record certain types of information every time you visit us. We use " cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our website. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

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 or under the following circumstances:

Loan Products or Service Requests - If you submit a request for a loan product or service offered through this website we will share the personal information contained in your request form, such as your full name, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network strictly to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with lenders in our provider network. For example, we may use your social security number to obtain your credit score to help us match you with a lender. In addition, lenders that receive your personal information may use your social security number to pull your credit score and/or credit report in order to process and fulfill your request. All lenders in our provider network, which include banks, mortgage lenders and brokers, have entered into marketing agreements with RefiForLess.com and are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email, or mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the lenders contacts you by telephone and you wish not to be contacted again by that lender with respect to your inquiry, then you should specifically make a request to that lender not to contact you again. If the lender disregards your request and contacts you again, please let us know immediately by sending an email to RefiForLess.com Please note that the lenders may maintain the information you provided whether you elect to use their services or not.

Vendors - We sometimes disclose the information we collect to companies that host certain services for us such as marketing distribution services on our behalf. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information except to market the specified RefiForLess.com products or services.

Affiliate Partners - Personal and business information submitted through any Affiliate Program may be shared with these affiliates.

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 RefiForLess.com's, see Terms of use or as otherwise required by law.

Business Transfer - As with any other business, it is possible that RefiForLess, Inc. in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by RefiForLess.com, including customer account information, but would continue to be bound by this privacy pledge unless you consent otherwise.

Advertisements & Pop Up Windows

On occasion, you may receive advertisements for RefiForLess.com from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising RefiForLess.com. Please note that such advertisements are served by the third party website that you have visited and are not controlled by RefiForLess.com. In addition, such advertisements may be placed by third party ad servers or ad networks. We maintain relationships with a number of the third party ad networks currently operating. You may find more information at the website of either the individual ad network or other Nertwork Advertising.

Anti-Spam Policy

You will not receive RefiForLess.com email communications unless you submit your email address to us and register to receive them. Additionally, you may also receive emails that advertise RefiForLess.com's services from third party publishers.  We have established firm ground rules for dealing with any third party email services to ensure that advertisements for RefiForLess.com are not sent out through a "Spam" mailing -- ensuring that our offers are sent only to those individuals who have given their permission to the third party email service to receive email communications. If any third party email publisher refuses to abide by RefiForLess.com's anti-Spam policy, we will not use that publisher's services. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. An "unsubscribe" link should appear within or at the top or bottom of the email you received. However if for any reason it does not work, please bring that to our attention by emailing us at RefiForLess.com.

Confidentiality and Security

The security of your personal information is very important at RefiForLess.com and we take a number of steps to safeguard it. For example:

• We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. Employees are required to comply with our strict policies and procedures regarding the handling of your personal information. Employees who violate these policies are subject to our normal disciplinary process.
• We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
• We use industry standard data encryption technologies when transferring and receiving consumer data on the RefiForLess.com website.
• We aim to protect against the loss, misuse or alteration of information that we collect from you.

Opting-Out

You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to RefiForLess.com (You may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that RefiForLess.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you enter into a transaction through our website, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.

Third Party Links

This Privacy Pledge applies to all information that you provide to RefiForLess.com. However, when you visit websites to which RefiForLess.com provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

If RefiForLess.com receives personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between RefiForLess.com and such third party.

Framing

In some cases, we may use third party vendors to operate portions of the RefiForLess.com website. Although the particular section of the website may have a similar appearance as the RefiForLess.com site, information submitted through these outside third parties are subject to this Privacy Pledge unless otherwise stated. For example, personal information submitted through our Affiliate Programs is subject to the privacy policies of those affiliates.

A 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 Please see our Terms of Use for more information.

Updating Your Information

If you want to access or update the personal information you submitted to RefiForLess.com, please contact RefiForLess.com.  In the alternative, you can write us at the address below and request that your personal information be updated.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:

By sending an email to: service@refiforless.com

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Changes to this Privacy Pledge

RefiForLess.com may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how RefiForLess.com 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 the RefiForLess.com Privacy Pledge. If you do not agree to this policy, please do not use any of the RefiForLess.com site. W hen you request rate quotes or other information through RefiForLess.com, 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.