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Privacy Policy

WE PROVIDE YOU NOTICE OF OUR WEB SITE INFORMATION PRACTICES.

To maximize the value of our services, we may request information from you when you visit our web sites. XM Loans does not share your personal information with outside companies for their promotional use.

Here is a description of the information we collect and how it is used:

Protecting Your Identity and Credit

• Tools, Applications and Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, qualifiers, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.

However, if you want to exercise one or more of the loan options presented, we will ask you to supply other identifying and supporting information needed to process your application.
We use your contact information to provide you with alerts and updates regarding your loan status, which is part of the XM Loans service. We do not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by XM Loans. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an e-mail.

We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, and closing your loan.

• Credit Report: By submitting a loan application or a request to be qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.
• Newsletters: We provide you the opportunity to subscribe to e-mail newsletters and other e-mail communications. You may unsubscribe by following the instructions provided in each e-mail newsletter.
• Interactive Help (Chat / PC to Phone): You may initiate an online interactive discussion or PC to Phone communication with a XM Loans support professional to facilitate the completion of your loan application. We do not ask for any personally identifiable information to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request. We maintain transcripts of chat sessions.

More on our general information practices.

• Contests, Sweepstakes, and Surveys: From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.
• Mandatory and Optional Information: We identify what information is required to fulfill your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting.
• E-mail Message Formatting: When sending you e-mail we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer's capabilities, and (2) determine whether you've opened an HTML e-mail. When you click on a link within an e-mail message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our e-mail messages and to determine which links are most useful to our customer base.
• Within the XM Loans Family: Within the XM Loans family, we may exchange customer information to fulfill your requests or to provide you with information about other products or services, if you have chosen to receive such communications.
• Service Providers: In some cases, we will employ or use service providers such as title companies, appraisers, consultants, temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our Web site technology, deliver products, or to send e-mails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
• Service Alerts and Critical Notices: Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
• Change of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of XM Loans. You will have the opportunity to opt out of further secondary use of your information following any change of control.
• Changes to Our Privacy Policy: If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to the XM Loans web site 30 days before they take effect.
• Legal Disclosures: In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.

WE WORK TO PROTECT PERSONALLY IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, OR UNAUTHORIZED ALTERATION.

We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to XM Loans is protected with technology that enables encryption of your data. We use:
We work to protect personally identifiable information stored on the site's servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. We use both internal and external resources to review the adequacy of our security measures on a regular basis.

E-MAIL POLICY
XM Loans is dedicated to revolutionizing the home financing process. A big part of that "revolution" is based upon prompt and convenient communication with our clients, vendors and others. For that reason, we offer various means of communication including e-mail, fax, telephone, chat, snail-mail, express mail, voice mail, etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding e-mail, which are incorporated by reference into all e-mails sent and received by our Associates. Our communications with you via e-mail are conditioned upon your agreement to the following terms.

E-MAIL IN GENERAL
E-mail is an effective means of communicating a message. However, due to its brief and informal nature, e-mail may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through e-mails, faxes, voicemails, letters, IM, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an e-mail responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an e-mail, etc. Accordingly, e-mail, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an e-mail by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that e-mail.

E-MAILS ARE GENERALLY NOT FORMAL SIGNED WRITINGS; E-SIGN DISCLAIMER
Unless there is explicit and specific language and disclosures to the contrary, e-mails from our Company do not contain or constitute an electronic signature, even if the sender's name appears in the e-mail. E-mail communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.

CONFIDENTIAL INFORMATION
E-mails sent by our Associates are confidential (and all attachments to such e-mails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an e-mail in error or if it was improperly forwarded to you, the information contained in the e-mail should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or e-mail, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. E-mails marked as "Confidential" contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney's fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.

PRIVILEGED INFORMATION
E-mails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an e-mail in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or e-mail and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.

TIME SENSITIVE INSTRUCTIONS & OFFICIAL MATTERS; FILTERS
Do not use e-mail to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate Associate in a timely manner. All e-mails are processed through various virus and spam filters which may delay or reject the delivery of an e-mail altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person via fax or e-mail. The Company reserves the right to block any e-mail source it deems inappropriate.

BUSINESS PURPOSES
The Company's e-mail facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving e-mail from our Associates may not use their e-mail address or contact information (or any other person's e-mail address appearing on or in Company e-mail) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an e-mail is not our Company's consent, nor our Associates’ consent, for you to use our e-mail address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.

MONITORING OF COMMUNICATIONS
All e-mails sent to or from our Associates may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the Web site, PC-talk, chat, e-mail, and telephone. By using such communications methods you are consenting to the recording or monitoring of the same.

UNSECURED TRANSMISSIONS
You should be aware that regular e-mail is typically sent via the Internet which is an open network. While certain designated areas within our websites employ technologies to secure your data and the transmissions between you and our Company, general e-mail uses the Internet which is an open system and we cannot provide absolute assurances that all e-mail transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won't be lost, mis-delivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over e-mail, and disclaims all liability with regard to e-mails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, mis-delivered, intercepted, decrypted or otherwise misappropriated by others.

VIRUSES
Computer viruses can be transmitted via email through email content, attachments to emails and embedded links. Although our e-mails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient's responsibility to ensure that any e-mail they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our e-mails. If our Company forwards an e-mail or replies to a prior e-mail, the contents may have been produced by someone other than our Company or our Associates for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY E-MAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of e-mail to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company's e-mail transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.

PROHIBITED E-MAIL CONTENT
All of our Associates are prohibited from using email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in e-mail. Such communications are against Company policy and outside the scope of our Associates employment. The Company does not accept any liability in respect of such communication, and the Associate responsible will be personally liable for any damages or other liability arising. Please report any such violations to us at (800) 303-3934. The use of the Company's email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our Associates is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company's email facilities for purposes of to soliciting our Associates to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.

ALL RIGHTS RESERVED; STATEMENTS ATTRIBUTABLE TO THE COMPANY
The Company reserves all rights as to the Company's content in its e-mail and this e-mail policy statement. No part of the Company's email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company's Director of Public Relations or by an officer of the Company (i.e., Chairman, CEO, President, or Corporate Counsel).

NEGLIGENT MISSTATEMENT
The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through e-mail and the Company makes no warranties, express or implied, with respect to such data or information.

GOVERNING LAW
In receiving and opening this e-mail, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company's e-mail, and that any disputes pertaining to this e-mail shall be governed by and construed in accordance with the laws of the Bahamas, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions may only be filed only in the courts located in the Bahamas.

COMPLAINTS
Any complaints should be directed to the Help Desk at (800) 303-3934.

ADDITIONAL TERMS
The products and services provided by the Company are subject to additional terms, conditions and disclaimers.

EMAIL
XM Loans restricts e-mail storage for personal dial-up accounts and conducts a quarterly purging of all e-mail accounts. Spamming is prohibited, if XM Loans is "black listed" by any mail server, the account that caused the "black listing" will be terminated without any prior notification.

COMMERCIAL E-MAILS
Sending unsolicited commercial e-mail or "spamming" is prohibited. Our users shall not use another site's mail server to relay mail without the express permission of the site.

MAIL BOMBING
Sending very large volumes of unsolicited e-mail is prohibited.

HARRASSEMENT
Sending of threatening or harassing e-mail is prohibited.

NEWS
Newsgroup spamming:
Excessive cross posting, or posting of the same article repeatedly to various newsgroups is prohibited.

INTERNET RELAY CHAT (IRC)
The use of IRC bots is prohibited, as is the violation of any accepted policies on IRC servers. If XM Loans is prohibited the use of any IRC server, the account that caused the prohibition will be terminated without any prior notification.

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