Union Fidelity ™ Privacy Policy/Security We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services. The Security We Use to Protect Your Information We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser. What Information We Collect From You We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act. Sharing of the Information Gathered on This Site We are the sole owner of the information collected on this site. However, in order to process your loan we must share some of the information with certain third parties. These third parties include: appraisal companies, credit agencies, lenders, mortgage insurance companies, title and escrow companies. We also use a third party, Myers Internet, Inc., to host our web site, including our online data collection forms. Myers Internet, Inc. has access to the user information for purposes such as maintaining the site. What Cookies Are and How They Are Used A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Our site has programs that use cookies to maintain session information to remember who you are as you go from page to page. To protect your privacy we do not use cookies to store or transmit any personal information about you on the Internet. External Links This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites. If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us. Updating or Deleting Your Information, Including Demographic and Profile Data You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information. Demographic and Profile Data We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information. Emergency Loan / Personal Loan PRIVACY STATEMENT The following policy explains how we gather and use personal information in detail. This policy may change from time to time and firstfinancial.com reserves the right to change or modify this policy at any time with or without notice. If you have any questions about this policy, please feel free to contact customerservice@unionfidelity.com By registering and using this Site, you signify your acceptance of this Policy. If you do not agree to the terms of this Policy, in whole or part, you should not use this Site, and should immediately terminate your registration (if you have signed up) by following the instructions in “Opting-Out of Further Communications:” Registration: Unionfidelity.com only collects personally identifiable information ("PII") that is volunteered during the registration process or in response to specific information requests. Examples of PII that may be requested include: first and last name, address, email address, and telephone number. Anybody completing and submitting any of the forms (including our newsletter) on the firstfinancial.com domain is considered a "registrant." In addition, Unionfidelity.com may collect your IP address and information through use of electronic “cookies.” When you register with Unionfidelity.com you automatically consent to registration in all the other online properties in the firstfinancial.com network (collectively, the "Network Sites"). Accordingly, Unionfidelity.com may share registrant PII with the Network Sites. By providing PII and other information to this Site, registrant fully understand and unambiguously consent to the collection and processing of such information in, and the transfer of such information to Network Sites, the United States and other countries or territories, in accordance with the terms of this Policy. Use and Sharing of PII: Unionfidelity.com reserves the right to use registrant PII: (1) for the specific purpose for which such information was provided (including matching registrants with a cash advance loan company or companies); Please be aware that in the process of matching registrants with a lender or service provider we provide registrant PII to those companies. In addition, in order to determine whether your registration information meets their lending criteria they may access your credit report or credit information through a credit bureau or similar service which may result in one or more inquiries on your credit report. (2) as disclosed at the time such information is provided; and (3) as disclosed in this Policy. However, please note that Unionfidelity.com may change this Policy at any time and therefore Unionfidelity.com may in the future use registrant PII for additional purposes not currently included in this Policy. Also, Unionfidelity.com may share registrant PII with its partners, sponsors, advertisers, service providers and marketers’ lookup and reference services and any other entities that Unionfidelity.com believes are able to provide registrants with special offers and opportunities. Note that although Unionfidelity.com advises everyone who receives Registrant PII from Unionfidelity.com to support this Policy, Unionfidelity.com has no control over such party's information handling practices and is not responsible for any failure of such party to adhere to this Policy. As a condition of registration, registrants agree that Unionfidelity.com may share their PII with the Network Sites and unaffiliated third parties. If you do not agree that Unionfidelity.com may share your PII with such entities, you may not register on Unionfidelity.com, and if you are already registered, you must immediately terminate your account, by following the instructions in “Opting-Out of Further Communications.” We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. Additionally, Unionfidelity.com may share Registrant PII in aggregate, non-personal form, with select companies that wish to reach a particular target audience. This information will allow these entities to provide relevant offers to specific registrants. Finally, Unionfidelity.com may disclose registrant PII in order to: (1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; and (4) protect the rights or property of Unionfidelity.com, the Network Sites or other registrants of this Site. Do Not Call Registry Compliance: By submitting personal contact and/or financial information through (Unionfidelity.com domain), the user hereby grants written permission to Unionfidelity.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at Unionfidelity.com you are consenting to receive phone calls from cash firstfinancial.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts. Third Party Offers: By registering at Unionfidelity.com you may receive follow-up contacts/offers from third party companies. We cannot be responsible for the services or representations of third party advertisers. Links to Other Sites: Unionfidelity.com contains links to other sites. We are not responsible for the privacy practices or the content of such web sites. Security, Fraud, and Abuse: This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Unionfidelity.com regularly reviews these measures to better protect you. Opting-Out of Further Communications: Unionfidelity.com registrants may opt-out of receiving further communications from firstfinancial.com. Registrants may, at any time, choose not to receive promotional emails from Unionfidelity.com or the Network (1) following the "unsubscribe" instructions in any Unionfidelity.com e-mail received by registrant, or (2) writing to unsubscribe@cashadvanceexpert.com Note that unsubscribing from one email list does not automatically unsubscribe you from any other email list that you may be on. Please read the email carefully to find out which list you are unsubscribing from. Must Be 18 Years or Older: Unionfidelity.com or its Network is neither intended for, nor directed to, children under the age of 18. If Unionfidelity.com learns that a person who registers on the Site is under the age of 18, Unionfidelity.com will promptly delete that individual's registration. Transfer In Certain Circumstances: In its sole discretion, Unionfidelity.com may transfer, sell or assign information collected on and through this Site, including without limitation, PII and other registrant-provided information, to one or more third parties, as a result of the sale, merger, consolidation, change in control, transfer of substantial assets, reorganization or liquidation of Unionfidelity.com and/or Network Sites. Change in Policy: Unionfidelity.com may, from time to time, amend this Policy, in whole or part, in its sole discretion. Depending on the nature of the change, firstfinancial.com will either announce the change (1) on the privacy policy page of the site, or (2) provide such notice via e-mail to registrants. By not unsubscribing, following the announcement of any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, you must terminate your registration by unsubscribing at unsubscribe@cashadvanceexpert.com Presented by: Unionfidelity.com © 1995- 2009 Union Fidelity. All rights reserved. Updated on 9/12/2008