Privacy Policy

TRUSTe

LowLender.com is committed to protecting the privacy of your information. We recognize that privacy is of utmost importance, and operate our company with protecting your sensitive personal information in mind. This privacy policy ("Privacy Policy") covers the website www.LowLender.com and outlines the type of information we gather, its uses and steps we take to safeguard it.

LowLender.com is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions on concerns regarding this statement, you should first contact Customer Service at orders@affiliatemedianetwork.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe. TRUSTe will then serve as a liason with us to resolve your concerns.

Data Collection

The following principles apply to the personally identifying information we ask for and that you may provide. LowLender.com collects personally identifying information from you when you use our website or fill out a form on our website, including, but not limited to: Name, Last Name, Co-Applicants Name, City, State, Address, Zip Code, Work Phone, Home Phone, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, whether your rate is Fixed or Adjustable, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Best Time to Call, Loan Desired and Email Address.

Providing your information is voluntary and you can always choose not to provide it by choosing not to use our website, services, or features. We encourage you to provide us with your information in order to take advantage of everything LowLender.com has to offer. By providing your information or opting in to receive email notifications, however, you agree to our use consistent with this policy. We do not sell your personal information to third parties other than our business partners and affiliates as described later in this Privacy Policy. We treat all the information you provide to us as non-public.

Technical Data

We gather technical information about your machine through your web browser such as your IP address, operating system, browser type and referring URL.

Cookies

A cookie is a small text file that is stored on a user's computer for tracking purposes. We use cookies to improve the quality of our service and to better understand how people interact with our website. If you choose to disable cookies, you may still be able to access most of the LowLender.com website.

Optional Information

When you access the LowLender.com website, we may give you the option of submitting general information such as the type of home you own and your general credit rating, for purposes of providing financial products and services which may be of value to you.

Third Party Information Sharing

LowLender.com is a leading financial services portal, committed to helping our users find the lowest-cost, most reputable mortgage, credit and insurance services available both offline and online. We have many satisfied customers throughout the nation.

As such, our business is to put mortgage brokers and lenders in touch with you to fulfill this service. When you fill out the form on our website, you consent to being contacted by one or more service providers.

LowLender.com collects information from new and existing customers at various points throughout our website. Only with your consent, we may share this information to work with trusted third party business partners who may contact you to subscribe to or use their products. We work with various trusted companies in the loan, insurance and credit industries. Trusted companies are companies defined as adhering to our strict agreements and protect your personal information from distribution, loss, theft and misuse.

We may use the information that we collect from you in several ways. We will only do so if you authorize us to, and our service providers are bound by agreement with us to honor your request. First, we, or a third party advertiser with which we have contracted ("Advertiser"), share your registration information with the appropriate service provider in order for these service providers to contact you. We might also use the information to enable us, or one of our service providers, to notify you of special offers available to LowLender.com's consumers, and for other, similar purposes. You can control whether you receive such e-mails by following the instructions on this website, and we will make every reasonable effort to honor your request. We may also use the information you provide to allow us to contact you for administrative purposes, for example, to tell you about changes to our privacy policy.

We may also use certain information that you provide in order to present you with advertising that you may find interesting. This advertising may be on the website itself or through promotional emails from us or the Advertiser. This benefits both of us. It benefits you because you see advertising that may actually be interesting to you, rather than annoying. It benefits us because advertising helps us pay the bills, and we can charge our advertisers more if they know that their ads will be seen by somebody more likely to find them useful.

LowLender.com may sell or rent personally identifiable information to a third party other than our lending institution affiliates or any acquirer as discussed below, such as the Advertiser. Also, we may aggregate personal information from all of our users and provide that information in the aggregate to other parties, including Advertisers, for marketing and promotional purposes. However, if we do so, that information will not be in a way that will allow any third party to identify you personally.

LowLender.com must cooperate with legal authorities, and may in some circumstances be required to disclose personally identifiable information in response to requests from law enforcement authorities, or in response to a subpoena or other legal process. We don't expect this to happen, but if it does, we will provide only the information required. We can also turn over information about you if we believe we must in order to prevent a violation of the law, and by accepting this policy, you consent to our right to do so, in our sole discretion. You also consent to our disclosing information about you in the course of legal proceedings if we are legally required to do so, if we reasonably believe that doing so may mitigate our liability, or if doing so will assist us in enforcing our legal rights.

At some point, LowLender.com, may have related companies, merge with, or be acquired by another company. When that happens, then we may disclose to them the information you have provided to us, in which case we will request them to abide by this policy. We may also disclose some information to a potential acquirer, although such disclosure would be subject to restrictions on use.

Opt-Out

LowLender.com provides users the ability to opt-out of receiving communications from us. If you wish to cease future communications or wish to no longer receive our services, you can opt-out by sending e-mail to info@lowlender.com or by sending a written request to Affiliate Media Network, Inc., 100 Quannapowitt Parkway, Suite 205, Wakefield, MA 01880. To opt out of communications from the lender/broker assigned to provide the services you requested, please contact them directly.

Further, you may opt out of receiving emails by simply NOT checking the box labeled "Notify me of relevant news and offers from LowLender.com".

Safeguarding Personal Information

LowLender.com uses advanced digital encryption and internal security measures to safeguard your personal information from loss, misuse alteration and destruction. We use the SSL encryption of all submissions of sensitive data, in order to protect unauthorized parties from viewing or intercepting the data transmission. Only authorized employees of LowLender.com can access your personal information, and can do so only on a "need-to-know" basis.

Data Retention and Access to Personal Information

LowLender.com stores your information for no less than 1 year from the time of initial submission of personal information, as well as automated personal information we collect about you. If your personal information changes, you may re-apply on our site using your new information. If you wish to change the personal information on a loan you have already submitted, you can contact the lender/broker servicing your request directly.

Policy Regarding Children Under the Age of 13

The LowLender.com site is not intended for children under the age of 13, and LowLender.com does not knowingly collect personal information from those children.

Contact for Privacy Related Issues

If you have any questions on our Privacy Policy, or would like your previously submitted information modified or removed, you can contact us through the web by visiting Customer Service.

You can also reach us by sending mail to Affiliate Media Network, Inc., 100 Quannapowitt Parkway, Suite 205, Wakefield, MA 01880.

Privacy Policy Changes

Privacy Policy Changes This Privacy Policy may change, from time to time, due to changes on our website, legal developments, business factors and ever-changing technology. Notifications to changes of our Privacy Policy will be posted on our website, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

Disclosures of Personal Information

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Effective Date: 3/1/2011

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