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PRIVACY
Please review our Privacy Notice, which also governs your visit to ShopLowestRates.

COPYRIGHT
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COPYRIGHT COMPLAINTS
ShopLowestRates respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact ShopLowestRates the written information specified below:

• A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;
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• Your address, telephone number, and e-mail address
• A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
This site is provided by ShopLowestRates on an "as is" and "as available" basis. ShopLowestRates makes no representations or warranties of any kind, expressed or implied, as to the operation of this site or the information, content, materials or products included on this site. You expressly agree that your use of this site is at your sole risk.

ShopLowestRates disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purchase. ShopLowestRates does not warrant that this site, its servers, or e-mails will not be liable for any damages.

PRIVACY POLICY

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SecureRights Privacy Policy

SecureRights is an independent third party verification service that is dedicated to combating fraud and protecting consumer privacy. When consumers seeking financial products and services submit their information through websites prominently displaying the SecureRights logo, SecureRights verifies this consumer information and shares that information only with providers of those financial products and services. SecureRights also provides a mechanism for consumers to report fraud or violations of their privacy. If you have questions or concerns about this Privacy Policy, you should contact SecureRights by going to the "Contact Us" page on the SecureRights website at www.securerights.org.

Your privacy is important to us. We understand that in seeking information on a mortgage refinance or other financial product or service you are entrusting us with your personal financial information. SecureRights was created with consumer protection as a primary goal, and under no circumstances will we sell or share your personal information except as authorized by you or as required by law. This Privacy Policy describes how we use personal information that you submit to us through a website displaying the SecureRights logo, how that information is protected, and what safeguards are available to you if you believe that your privacy has been violated or your personal information misappropriated.

1. Who We Are. SecureRights is a third party verification service dedicated to protecting consumers from fraud and privacy violations. We work with other businesses displaying the SecureRights logo such as the one from whose website you transferred to get to this site. We provide a secure platform for these businesses to manage and oversee the collection and transfer of consumer information. SecureRights verifies information submitted through its system by individual consumers seeking information on financial products and services from the businesses that provide them.

2. Information We Collect. When you inquire about financial products or services through a website displaying the SecureRights logo, you may be asked to enter personal and non-personal information. Depending on the type of products or services you are inquiring about, you may need to provide personal and financial information such as your name, phone number, Social Security Number, e-mail address, income and other financial information. SecureRights will never request or collect data on subject areas including medical/health conditions; racial or ethnic origin; political, religious or philosophical beliefs or affiliations; trade union membership or sex life. We will not sell or share any personal information about you or with any other third party except as authorized by you, to financial product and service providers who are network members in the SecureRights system for the purpose of providing the product or service you are requesting, or as may be required by law.

SecureRights' technology also tracks aggregate information about how our system is being used, including anonymous user information, the number of visitors to our system sites, dates and times of visits and unique IP identifiers of the computers that communicate with our system.

You may also contact SecureRights through the "Contact Us" feature. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. In the "Contact Us" form, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. This information will not be sold to any person or organization. However, your information may be shared with other parties relevant to your inquiry through SecureRights to help resolve any issues you report to us. This is also the case if you file a complaint form through SecureRights, as described below, to report possible fraud or a violation of your privacy.

3. How Your Information is Used. When you make an inquiry about a loan or other product through a website displaying the SecureRights logo by entering your personal information and clicking on the "Submit" button, you are authorizing SecureRights to share your inquiry and your personal information with other businesses who participate in the SecureRights system who provide financial products or services that match your inquiry. Financial institutions and other loan services who subscribe to our system compete for the opportunity to provide financial products and services that matches your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about financial products or services they offer that match your inquiry.

Your information will not be shared by SecureRights with other third parties or for any other purpose. However, you should be aware that we have no control over how other businesses with whom we share your information may use it or whether they will sell or share your information with third parties. You should also be aware when you enter your information through a website displaying the SecureRights logo, that website's servers may be managed and operated by a business over which SecureRights has no direct control. Consequently, these businesses, such as the one from whose website you transferred here, may have direct access to your information. Although SecureRights strongly encourages the members of its network and the lead buyers and sellers who participate in the SecureRights system to adopt responsible approaches to online marketing, SecureRights is not responsible for the information practices of these businesses or their partners. The collection, use, and disclosure of information by these business and their partners who may have access to your personal information through our online marketplace are subject to their respective privacy policies, which may differ from the SecureRights policy. Before you enter your personal information through this website, you should also consult the privacy policy of the business from whose website you transferred to get to this one.

As part of the SecureRights system of anti-fraud protection, we may also contact you directly to verify that you have submitted the information received through our website. By entering and submitting your personal contact information, including phone number and e-mail address to our website, you are authorizing SecureRights, at its discretion, to contact you to confirm your identity and confirm that you are interested in seeking information about the financial products or services in your request. SecureRights may contact you, either by phone or e-mail, to confirm that your information has not been submitted to our Web site fraudulently or in error.

SecureRights may release account and any other personal information when we believe release is appropriate to respond to a subpoena or otherwise comply with the law or protect the rights, property, or safety of SecureRights or others. This includes exchanging information with other companies and organizations for fraud protection.

4. How Our Privacy Policy is Monitored. Protecting your privacy and monitoring the integrity of the SecureRights network against identity theft, fraud, spam and other illegal or nuisance activities are key objectives of SecureRights. To this end we have designed several means of tracking your information once submitted and helping to ensure that it remains secure.

SecureRights employs industry standard security measures to ensure the security of all personal data you submit directly to us. Any data that is stored on SecureRights servers is treated as proprietary and confidential and is not available to the public. SecureRights routinely evaluates its data security practices to identify security threats or opportunities for improvement. However, no transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of SecureRights to intercept or access transmissions or private communications unlawfully. While we strive to protect your personally identifiable information, SecureRights cannot ensure or warrant the security of any information that you transmit to us.

In addition to our technical security measures, we may attempt to contact you directly to confirm that you are the person whose contact information was submitted and that you are actually interested in seeking information on the financial products and services identified in your inquiry. By submitting your contact information to the SecureRights website, you are authorizing us to contact you, in our discretion, for this purpose. Before your information is submitted to our online marketplace and matched with a financial vendor, you may receive an e-mail or telephone call from a member of SecureRights' staff to confirm your identity and interest in such a solicitation. If we discover that your information has been submitted to us fraudulently or in error, we will not forward your information to any third party and will retain your confidential information for identification purposes to prevent further abuse of your privacy. We will also take all enforcement action that we feel may be appropriate.

In addition, if you become aware, either from our contact with a SecureRights staff member or otherwise, that your personal information has been submitted to SecureRights or by a business affiliated with the SecureRights network without your authorization, you may complete and submit a complaint form at www.securerights.org which we will use to investigate and resolve your complaint. By completing and submitting the SecureRights fraud complaint form, you are authorizing SecureRights to contact you further as needed for any additional information to investigate and resolve your complaint.

5. Changes to This Policy; Additional Information. If you have questions or concerns regarding this Privacy Policy, you should first contact SecureRights by going to the "Contact Us" page at www.securerights.org. SecureRights may find it necessary or be legally obligated to update this Privacy Policy from time to time. When we do, we will post those changes on this page and update the effective date so that you are always aware of the information we collect, how we use it, and under what circumstances we disclose it. Any changes will become effective upon posting, unless otherwise stated.

This Privacy Policy describes the standards to which SecureRights adheres in handling information about consumers and their requests for information on loans and other financial products. However, SecureRights is not responsible for the privacy policies and practices of the financial product and service providers who participate in its online marketplace and may contact you with their offerings once you submit your information. We also have no direct control over the practices and privacy policies of the businesses, such as the one from whose website you transferred to this site, who participate in the SecureRights network. Although we monitor our network for fraud and other illegal activity and we encourage the businesses who participate in our marketplace and display the SecureRights logo to adhere to our same standards of information privacy, we cannot control their operations or policies. If you have submitted your information to SecureRights through one of these businesses or are contacted by them subsequently, we encourage you review their privacy policies and to contact them directly for more information.

6. How to Contact Us. For more information or if you have questions or concerns regarding the SecureRights Privacy Policy, please complete the form on the "Contact Us" page at www.securerights.org. You can also send correspondence to the following address: Privacy, SecureRights.com, 11661 San Vicente Boulevard, Suite 800, Los Angeles, CA 90049.

Updated February 18, 2006.