Updated January 10^th 2006

This online privacy policy tells you about the information that Amerites, LLC (herein after "Amerites") collects through our www.amerites.com web site (the Site), how we use that information and how you can opt out of certain uses of information we may collect. By accessing our Site, you are consenting to the information collection and use practices described in this policy, as modified from time to time by us. If we decide to change our privacy policy, we will post a new policy on our Site and change the date at the top of the policy. Therefore, we encourage you to check the date of our privacy policy whenever you visit this Site for any updates or changes. This Privacy Policy only applies to information collected online by Amerites, but does not apply to personal financial information collected during the online mortgage or loan application process.  You can learn about Amerites's practices with respect to this information by reading the Amerites Privacy Notice.

Amerites has subsidiaries and affiliates. We share customer information only with our affiliates and subsidiaries. For more information about our affiliates and subsidiaries, refer to our Partner link sections of the site.

This Site is controlled by Amerites from its offices in the United States. Amerites does not represent that this Site is appropriate or available for use in other countries. If you choose to visit this Site from another country, you do so at your own initiative, with the understanding that information collected from this Site may be stored, collected and used in a country whose privacy laws may be different from and less protective than those of your home country.

If at any time you have any questions about our privacy policy or our use of your information, you can email us at info@amerites.com .

Information About You

We collect several types of information on our Site. We collect "Personal Information," which is information that is used by Amerites to identify you individually, such as your name and address. We also collect "Aggregate Information," which is information that does not contain Personal Information or from which Personal Information is removed. An example of Aggregate Information is information about use of our Site, such as pages visited on our Site. "Financial Information" means financial information collected during the online mortgage or loan application process.  Financial Information is collected and used in accordance with the policies outlined in the Amerites Privacy Notice. The information we collect depends on what services you use on our Site. The following is a more detailed explanation of these types of information as well as when and how we collect and use them.

Personal and Non-Personal Information:

Email Services. If you provide us with your email address and opt in to any email notification features that Amerites may now have or may develop in the future, you will receive email updates from Amerites. Amerites provides users the opportunity to opt out of receiving communications from Amerites by replying to the email sent with the word "unsubscribe" as the subject line.

Order Forms. Our Site uses forms for you to request information, products and services and to submit resumes. We may collect financial information such as your mortgage amount on forms when you request certain information. If we do so, we may share this transactional information with other entities as is necessary to process your orders.

Surveys. From time to time, we may collect information through online surveys, questionnaires or information requests on our Site. These surveys may request demographic information (such as age range, gender, areas of interest) and customer feedback. Participation in these requests is completely voluntary and with each request you will have the choice of whether or not to disclose information. We may use such survey information to analyze our Site and to improve users' overall experience on our Site.

Administrative Purpose. We may collect and use information that identifies you personally when you submit comments, questions or suggestions through our Site. For example, if you submit questions to info@amerites.com  or submit order forms we will use the information you provide to respond to you. We also may collect and use your information to contact you when necessary for administrative purposes related to your account or orders.

Resumes. If you submit your resume to us or complete a form related to a job opening on our Site, we may use the information to contact you, in our sole discretion, or we may store it in our files in a manner consistent with the way we store other information related to job applications.

Disclosure of Your Personal, Financial and Aggregate Information:

Amerites does not sell or disclose Personal Information without consent except as set forth below. We may disclose, or otherwise dispose of Personal Information we collect in the following circumstances:

• Consultants. Occasionally, we may hire consultants that may need access to our customer database to perform their services for us, such as administering our mailing lists. We require that our vendors, consultants and contractors keep Personal Information confidential and use it only in accordance with the service agreement between Amerites and such contractor, vendor or consultant.
• Transaction Processing. When you indicate that you want to receive a product or service (such as title insurance, free brochures or mortgage pre-approval), or contact a person or organization, we share the data needed for you to receive the goods or services you have requested
• Legal Requirements. We may disclose personal information if required to do so by law or in the good faith belief that such action is reasonably necessary to (a) conform with the law, respond to claims or comply with legal process served on Amerites or the Site; or (b) protect and defend our rights or property, the Site, our employees, guests or the public.
• Company Sale. Because information collected through the Site and services is a trade secret and asset of Amerites, we may disclose or sell such information in the event of the sale of the company or some or all of its assets.
• Jobs. When you submit your resume or other information in connection with a job opening at Amerites, we may disclose or transfer personal information and other information you submit to employees and consultants involved in the recruiting and hiring of job applicants.

Aggregate Information:

We collect "Aggregate Information" about you and your use of our Site whenever you visit us online. For instance, we may collect various forms of "click stream" information such as entry and exit points for our Site (i.e., referring URLs or domains), site traffic statistics, page views, impressions, and operating system and browser type. In addition, when users request pages on our Site, our servers automatically log their IP addresses. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web.

We may collect, compile, store, publish, promote, report, sell, or otherwise disclose or use any and all Aggregate Information.

If we do correlate any Aggregate Information to you, such information will be treated like any other personal information under this policy.

Cookies:

We may make use of "cookies" on our Site. Cookies are small text files that are stored on a user's computer by a Web server based on the permissions set in a user's browser software. A cookie itself is not designed or intended to read any information from a user's computer (other than the contents of the cookie); rather, it is an identifier used by the Web site that originally placed it on your hard drive. The actual contents of the cookie information can be retrieved by the same server to identify the computer and subsequently to customize, monitor, or regulate the use of a site based on information stored in the cookie and the host server. Therefore, cookies only identify the user's computer to the Web site that may correlate other information, including personal information, with the cookie.

Cookies allow us to automate access and data entry functions of our Site such as login information, correlate online ordering information for purchases you may make while at the Site (if any), tailor the Site to your preferences or interests, or customize promotions or marketing. In addition, cookies allow us to track usage of the Site to determine which areas are useful or popular and which are not, thereby enabling us to improve and update the Site effectively.

You may adjust your Web browsers to either alert you of the use of cookies or refuse to accept cookies entirely. For Internet Explorer or AOL users, you can click on the "Start" button and then select Control Panel, Internet Options and the Security tab. If you click on the "Custom" button, you will be able to see the cookie options. For Netscape users, in the browser, select File, Preferences and then Advanced to view the cookie options. Be aware that if you elect not to accept cookies, some parts of the Site may not function properly or permit access.

Security

Amerites uses reasonable efforts to store and maintain personal information to protect it from loss, misuse, alternation or destruction by any unauthorized party. We store no financial information or social security information on our Site.  When we do transmit your data, we use only Secure Servers using current encryption technology to encode your data safely. The personal data stored on our system is protected by firewall designed to keep unauthorized users from accessing our network.

Outside Links

While on the Amerites Site, you may be referred to web sites other than our Site ("Outside Sites"). A link from our Site to an Outside Site does not imply endorsement of that site nor any ability to control that site's privacy practices. Be aware that Outside Sites may collect data and personal information and operate according to their own privacy practices. Therefore, you should carefully review the privacy policies of Outside Sites before submitting any Personal Information on them.

Children

To respect the privacy of children and to comply with the Children's Online Privacy Protection Act, the Services are not available for children under the age of 13. Our Site is a general audience site that is not designed nor intended to collect personal information from children under the age of 13. If you are under 13 years old, you should not request any information nor provide any Personal Information to this Site.

Opting Out

This Site provides you the opportunity to opt out of receiving communications from us. To opt out of receiving marketing information or to unsubscribe from any specific email service, email a request to info@amerites.com .

Contacting Us

If you have questions or concerns about our privacy policy, or the accuracy of any Personal Information we hold about you, please contact us at info@amerites.com . If at any time you feel that Amerites has not adhered to this policy, email us at info@amerites.com . We will do our best to respond promptly to your concerns.

This privacy policy notice is designed to inform you of the types of information we may maintain and collect during the course of our relationship with you.  It also explains the safeguards we have in place to protect that information and the circumstances in which we may share that information with third parties.

Information We Maintain or Collect

We maintain and collect nonpublic personal information about you as necessary to provide you with financing for your new home.  We also may maintain or collect information about you to provide products, services, and other opportunities that we believe may be of benefit to you.  The following are examples of the types of nonpublic personal information we maintain or collect:

• Information that you provided in connection with your loan on applications, other forms, or verbally, such as your name, address, social security number, income, or assets and liabilities.
• Information about your transactions with us, our affiliates, or other parties, such as your payment history, account balance, and parties to transactions.
• Information we receive from consumer reporting agencies, such as your credit worthiness and credit history.

Information Sharing with Third Parties

We do not disclose nonpublic personal information about you to third parties except as permitted or required by law.  There are numerous instances in which we are permitted or required to share such information. Some examples include:

• Sharing information with third parties who provide services to us in connection with processing or administering your loan, such as appraisers, mortgage insurance companies and underwriters.
• Sharing information to comply with federal, state or local laws.
• Sharing information to protect you or Amerites from actual or potential fraud.

Confidentiality and Security of Information

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to process or administer your loan and to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Former Customers

Our privacy policy for sharing nonpublic personal information about former customers is the same as our policy for current customers.

Additional Information

You can learn about Amerites's policies regarding the use of this website and our overall commitment to ensuring your privacy by reading the Terms and Conditions of Use

Questions

Please feel free to contact us; For information about the Mortgage Division Privacy Policy call us at 1.866.890.9011, if you have more General Inquiries about the Amerites Privacy Policy contact us at info@amerites.com .