PRIVACY POLICY

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
• Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

Sharp Mortgages, Inc. and its affiliates respect your privacy and are committed to protecting it. Sharp Mortgages, Inc. provides this Privacy Statement to inform you of our Privacy Policy and practices and of the choices you can make about the way your information is collected online and how that information is used on the site, www.sharpmortgages.com.

Questions regarding this statement should be directed to support@sharpmortgages.com

We’ve structured our Web Site so that, in general, you can visit Sharp Mortgages, Inc. on the Web without identifying yourself or revealing any personal information.

However, Sharp Mortgages, Inc. may ask you to register and provide information that personally identifies you, including when you register as a customer or purchase a product/service from Sharp Mortgages, Inc., download white papers, subscribe to email newsletters, or respond to a marketing campaign. The information gathered is used to enhance the user experience on our site and to identify frequent visitors.

We make this Privacy Policy notice readily available on our home page and at the bottom of every Sharp Mortgages, Inc. Web page. Some Sharp Mortgages, Inc. Web pages may be P3P-enabled, which allows you additional control over your personal information.

Sharp Mortgages, Inc. uses software tags called “cookies” and web beacons to identify customers when they visit our site. Among other things Cookies help us identify returning users so that we don’t ask them to register with every visit. They help us understand your buying preferences and customize our service to your needs. By understanding which areas of the site you visit, cookies allow us to present information, products and specials that are of personal interest.

1.Types of information we collect

We may collect information from the following sources:

•Applications, questionnaires and other forms you submit, such as your name, address and date of birth

•Web-based tools when you visit our Web sites, such as “cookies”

We may disclose the information described above to:

•Companies in our corporate group and any other companies that we do business with that are necessary to process and fund loans.

This Privacy Statement covers personal information, non-personal data collection and aggregate reporting.

Personal information

Personal information is information that is associated with your name or personal identity. Sharp Mortgages, Inc. uses personal information to understand better your needs and interests and to provide you with better service. Once you choose to provide us with personal information, it will be used only to support your customer relationship with Sharp Mortgages, Inc.. Sharp Mortgages, Inc. will not sell, rent or lease your personal information to others.

You can access products or services, request information, subscribe to marketing or support materials, register yourself or your Sharp Mortgages, Inc. products. The types of personal information you provide to us on these pages may include name, address, phone number, email address, user IDs and passwords, billing and transaction information, credit card information, contact preferences, educational and employment background.

To personalize our Web Sites, services or communications and improve our products and services, we may also ask you to provide us with information regarding your personal or professional interests, demographics, and experiences with our products or services. Providing this additional information is optional.

Non-personal information

Non-personal information is data about usage and service operation that is not associated with a specific personal identity. Sharp Mortgages, Inc. collects and analyzes non-personal information to evaluate how visitors use the Sharp Mortgages, Inc. Web Sites.

Non-personal data we collect may include the pages visited on the Sharp Mortgages, Inc. Web Sites, unique URLs1 visited within Sharp Mortgages, Inc., browser type and IP2 address. Most non-personal data is collected via cookies or other analysis technologies. Sharp Mortgages, Inc. Web pages use cookies, Web beacons and other technologies for data analysis and personalization services. Sharp Mortgages, Inc. also places ads on other Web Sites that may use cookies.

We have safeguards to keep information confidential and secure:

•We have up-to-date physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft.

•We restrict access to information about you to only those employees who need to know that information to provide products or services to you.

•We train our employees on these security procedures, and we conduct regular audits to check on compliance with the procedures.

2. Children’s privacy

Sharp Mortgages, Inc. is committed to protecting the privacy needs of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. Sharp Mortgages, Inc. does not knowingly collect information from children under the age of 13 and Sharp Mortgages, Inc. does not target its Web Sites to children under 13.

3. How we use your information

Sharp Mortgages, Inc. uses your personal information to provide you with services and to help us better understand your needs and interests. Specifically, we use your information to help you complete a application or order, to communicate with you, to provide service and support, to update you on services and benefits, to personalize promotional offers and to personalize some Sharp Mortgages, Inc. Web Sites. Occasionally we may also use your information to contact you for market research regarding Sharp Mortgages, Inc. products or services. We will give you the opportunity to choose your privacy preferences regarding such communications (see section 6, “Your privacy preferences and opting out”). Credit card information is used only for payment processing and fraud prevention. When you provide us with a credit card number (and other sensitive information), Sharp Mortgages, Inc. will take commercially reasonable steps to protect this information through a secure connection with your web browser. Credit card numbers are only used for payment processing and are not retained for marketing purposes.

Sensitive personal information is collected only to facilitate our financial service providers’ credit decisions and will be shared with them only with your permission. Credit card information and sensitive personal data are not used for any other purpose by our financial services providers or Sharp Mortgages, Inc. and will not be kept longer than necessary for providing the services, unless you ask us to retain your credit card information for future purchases.

You may receive periodic mailings from us with information on new products and services or upcoming events. If you do not wish to receive such mailings, please let us know by sending email to us at support@sharpmortgages.com.

Additionally, if you do not want Sharp Mortgages, Inc. to contact you for marketing purposes by email, postal mail, fax and/or phone, you may opt out by sending email to us at support@sharpmortgages.com. Please provide us with your name and the information you wish to unsubscribe. Place the word UNSUBSCRIBE in the subject.

Sharp Mortgages, Inc. will take appropriate steps to protect the information you share with us.

Personal data collected online may also be combined with information you provide Sharp Mortgages, Inc. through other sources such as product registration, call centers or public events such as trade shows or seminars.

Personal data given to Sharp Mortgages, Inc. may be transferred across state and country borders for the purposes of data consolidation, storage and simplified customer information management.

Non-personal data is aggregated for reporting about Sharp Mortgages, Inc. Web Site usability, performance and effectiveness. It is used to improve the customer experience, usability and site content.

4. Who we share your information with

Sharp Mortgages, Inc. will not sell, rent or lease your personal information to others. Sharp Mortgages, Inc. will not share your personal information with third parties except in responding to your requests for products or services. Your permission will be requested when you submit your information. Sharp Mortgages, Inc. shares customer information across Sharp Mortgages, Inc. affiliated business entities and companies working on our behalf, but only as described above in “How we use your information.”

Sharp Mortgages, Inc. contracts with third-party service providers and suppliers to deliver complete products, services and customer solutions described in “How we use your information.” Suppliers and service providers are required to keep confidential the information received on behalf of Sharp Mortgages, Inc. and may not use it for any purpose other than to carry out the services they are performing for Sharp Mortgages, Inc.. These service providers may change or we may contract with additional service providers to better accommodate our customers. Sharp Mortgages, Inc. will not share personal information with any other third parties without your permission, unless required by law enforcement action, subpoena, or local law.

Sharp Mortgages, Inc. or its related entities could merge with or be acquired by another business entity or some or all of their respective assets could be acquired. If such a combination or acquisition occurs, Sharp Mortgages, Inc. will make every reasonable effort to notify you in the event we share with the merging or acquiring entity some or all of your personal information to continue serving you.

5. Your choices

Sharp Mortgages, Inc. gives you the choice of receiving a variety of information that complements our products and services. You can subscribe to receive certain product- and service-specific information and Sharp Mortgages, Inc.-wide marketing communications. Sharp Mortgages, Inc.-wide communications may include new product information, special offers, or an invitation to participate in market research. We give you a choice regarding delivery of Sharp Mortgages, Inc.-wide communications by postal mail, email and telephone. You can make or change your choices at the data collection point. Please refer to Section 7 for further instructions. We will make every effort to honor your preferences. This option does not apply to communications for the purpose of administering order completion, contracts, support, product safety warnings or updates.

6. Your privacy preferences and opting out

Non-subscription services

Sharp Mortgages, Inc. will not use your personal information for a different purpose than the one stated when you provided your data. Examples of unrelated uses include sending communications about special offers, product information, and marketing messages.

You may tell us not to:

•Disclose information about you outside our corporate group of companies, except we may disclose information as required or permitted by law.

•Disclose credit data about you within our corporate group of companies; we do not disclose credit data outside our corporate group of companies.

•Solicit you by mail, telephone, or email for products and services that are not directly related to your account and that are outside our regular communications with you (such as your monthly statement, customer service emails, or when you call our customer service center).

Subscription services

To opt-out of receiving communications you have expressly requested (such as email newsletters, software updates, etc.), email us at support@sharpmortgages.com

7. Your information and third-party companies

Certain Sharp Mortgages, Inc. services are linked with those from unrelated third-party companies, some which offer you the option to share with both Sharp Mortgages, Inc. and the third party personal data you provide. Examples include the ability to request communications from Sharp Mortgages, Inc. marketing or solution partners, or to enable order completion through a reseller. We will not share your personal information with those third-party companies unless you make that choice.

8. Access to and accuracy of your information

Sharp Mortgages, Inc. strives to keep your personal information accurate. We have implemented technology, management processes and policies to maintain customer data accuracy. We will provide you with access to your information, including making reasonable effort to provide you with online access and the opportunity to change your information. To protect your privacy and security, we will also take reasonable steps to verify your identity, such as a password and user ID, before granting access to your data. Certain areas of Sharp Mortgages, Inc.’s Web Sites may limit access to specific individuals through the use of passwords and other personal identifiers.

The most effective way to view and change your personal information is to return to the Web page where you originally submitted your data and follow the instructions on that Web page.

9. Keeping your information secure

Sharp Mortgages, Inc. is committed to protecting the information you provide us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, Sharp Mortgages, Inc. has in place appropriate physical and managerial procedures to safeguard the information we collect.

We use Secure Sockets Layer (SSL) encryption when collecting or transferring sensitive data such as credit card information. SSL encryption is designed to make the information unreadable by anyone but us. This security measure is working when you see either the symbol of an unbroken key or closed lock (depending on your browser) on the bottom of your browser window.

Credit card numbers are used only for processing payment and are not used for other purposes.

10. Changes to this Statement

If there are updates to the terms of Sharp Mortgages, Inc.’s Online Privacy Statement, we will post those changes and update the revision date in this document, so you will always know what information we collect online, how we use it, and what choices you have. For material changes to this Statement, Sharp Mortgages, Inc. will provide notification to affected customers.

11. Contacting us

We value your opinions. If you have comments or questions about our privacy policy, please send them to support@sharpmortgages.com