Welcome to the SpeakWithALender.com web site where you can find the lender and product that is right for you quickly. At SpeakWithALender.com, we recognize and respect the importance of your information security and personal privacy. That's why we are committed to handle your information in a secure environment and only in the manner that you allow and as Federal and State law require. By using our web site and submitting online information about yourself, you are consenting to our use of your information as described below.

SpeakWithALender.com Security
SpeakWithALender.com employs Secure Sockets Layer (SSL) encryption technology to transmit data between your browser and the SpeakWithALender.com web server. To use our web site, you will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 (or higher).

Use of Information Gathered at this Site
To find out about loan products using the SpeakWithALender.com system, enter information about yourself such as name, address, phone number, e-mail address, income and other financial and credit information. Through our application technology, we match you with loan products in our lender network that are best suited to meet your needs based on information you submit to us. SpeakWithALender.com will provide the information you have entered onto the loan request form to one or more of our participating lenders. The information we collect includes, but is not limited to, first name, last name, address, email, home type, the home's value, the loan amount desired, the 1^st mortgage balance, the current interest rate, credit rating, the type of loan desired, and the best time to contact.

For system-administration purposes, we also log Internet protocol (IP) server addresses, and we catalog traffic patterns through this site. However, we do not link this information to your personal information.

If you apply for a loan, lenders may use information you submit about yourself on this site to process your loan application, to evaluate your eligibility and to process your loan transaction. These lenders may have their own privacy policies on how they handle your personal information. Lenders are subject to federal and state laws and regulations that regulate their lending practices. Although we contractually require them not to disclose confidential consumer information to others, we have no direct control over their information-handling practices.

SpeakWithALender.com may send some offers to your email address up to several times per month unless you unsubscribe from our newsletter and or mailing list. To unsubscribe from the list, reply with REMOVE in the subject line or click on the unsubscribe link located at the footer of the email to automatically be removed.

We Want Your Information to be Accurate
We follow reasonable commercial standards to ensure that information we receive from you is used accurately in our lender network.

We Require Outside Firms That Help Us Operate Our Business to Handle Your Information Under Confidential Conditions

If we hire outside firms or agencies to help us with any part of our business or to perform data-processing, we require them to maintain confidentiality of your information, to support these Privacy Principles and to comply with applicable law.

We Hold Our Employees Accountable for Your Information
We have standards and procedures to prevent unauthorized access to your personal information. Only our authorized officers and employees are allowed to have access, and we have an agreement with each of them that they will not use or disclose your information without authorization. Please periodically check this page for any updates to this statement.

If you wish to contact us via U.S. Mail, you may write to us with your specific instructions at: SpeakWithALender.com , Attention: Consumer Services, 7830 Viewridge Ave, STE C, San Diego CA 92123. Please provide complete information to facilitate your request, as well as your contact information. Email: info@SpeakWithALender.com. Phone: 858-278-4792.

Effective January 1, 2007.