iFreedom Direct - Privacy Statement

iFreedom Direct Corporation maintains this site for your personal entertainment, information, education, and communication. Please feel free to browse the site. You may download material displayed on the site for noncommercial, personal use only provided you also retain all copyright and other proprietary notices associated with the materials. You may not, however, distribute, modify, transmit, reuse, repost, or use the content of the site for public or commercial purposes, including the text, images, audio, and video, without written permission from iFreedom Direct Corporation.

iFreedomDirect^tm and Freedom Direct^tm are registered U.S. trademarks and trade names of iFreedom Direct Corporation, a Utah corporation doing business in most states of the United States. You are not authorized to use those marks or names for any purpose whatsoever. See #5, below.

Your access to and use of the site is also subject to the following terms and conditions and all applicable laws. By accessing and browsing the site, you accept, without limitation or qualification, the terms and conditions and acknowledge that any other agreements between you and iFreedom Direct Corporation regarding use of the site are superceded and of no force or effect.

1. You should assume that everything you see or read on the site is copyrighted unless otherwise noted and may not be used except as provided in these terms and conditions or in the text on the site without the written permission of iFreedom Direct Corporation. iFreedom Direct Corporation neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with iFreedom Direct Corporation.

2. While iFreedom Direct Corporation uses reasonable efforts to include accurate and up-to-date information in the site, iFreedom Direct Corporation makes no warranties or representations as to its accuracy. iFreedom Direct Corporation assumes no liability or responsibility for any errors or omissions in the content of the site.

3. Your use of and browsing in the site are at your risk. Neither iFreedom Direct Corporation, any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. iFreedom Direct Corporation also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

4. Images of people or places displayed on the site are either the property of or used with permission by iFreedom Direct Corporation. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate your common law duties and/or other laws such as (but not necessarily limited to) copyright law, trademark law, the law of privacy and publicity, and/or communications law.

5. The trademarks, logos, and service marks (collectively the "trademarks") displayed on the site are registered and unregistered trademarks of iFreedom Direct Corporation and others. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the written permission of iFreedom Direct Corporation or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that iFreedom Direct Corporation will aggressively enforce its intellectual property rights to the fullest extent of the law, including, but not limited to, the seeking of criminal prosecution.

6. These terms and conditions, and your use of this site, shall be governed by the laws of the state of Utah and the United States of America. By accessing and using this site, you hereby submit and consent to the exclusive jurisdiction of the state and federal courts located in Utah in connection with any dispute arising out of or related to your use of this site or these terms and conditions.

The iFreedom Direct Corporation's website logs information when a user accesses our site. Information recorded is a customer identifier, which is a combination of the server's Session ID and the SQL Server's unique identifier in our registration table. We also access the user's browser type and version. This means that a user's session will be tracked, but the user will remain anonymous.

You can browse our site without entering any personal information and therefore remain anonymous during your visit. However, we hope that all of our visitors will eventually apply online with us so that we may assist them with all their mortgage lending needs.

Information gathered in the registration table is used to analyze information on what page(s) users access on our site. This information will be used to improve the value of the content on our website.

For visitors who fill out an online application with iFreedom Direct Corporation, the information provided will be used to determine the applicant's eligibility for the various loan products that we offer. Our form asks users for standard information required to fill out any home loan application. The Social Security Number will be used to obtain a copy of your credit report.

When you fill out an application online, your personal information will be scrambled using SSL encryption technology before being sent over the Internet. This makes it virtually impossible for your information to be stolen or intercepted while being transferred through cyberspace. When we receive your application, it is kept encrypted until we're ready to process it.

We do NOT provide any information about you to any third party unless they are related to the loan application process, such as appraisers and escrow officers, just as a traditional lender would. We do NOT sell e-mail lists to third parties. (See the Information Privacy Policy below.)

For those visitors who apply online with iFreedom Direct Corporation, all the information you supplied will be forwarded to one of our mortgage professionals.

The iFreedom Direct Corporation website contains links to other websites. Please be aware that our privacy policy does not apply to these linked sites. We encourage you to read the posted privacy statement whenever interacting with any website.

Our site uses cookies to provide our visitors with a tailored user experience. With the help of cookies, we can present you with customized content that will be of more interest to you. We also use cookies to remember your passwords for you so you don't have to re-enter them each time you visit the site. Cookies are very important to the operation of this site and, while you have the option of setting your browser to reject cookies, this may cause unintended problems.

If at any time during or after the application process, you change your mind about filling out the application or you would like to correct and/or update your application, you may send your requests to our loan production professionals.

The purpose of this disclosure notice is to let you know how we at iFreedom Direct Corporation handle and disclose personal information which you provide to us and which we gather in connection with our services to you. It also tells you how you can limit our disclosing of personal information about you.

At iFreedom Direct Corporation, we protect personal information that we collect about you at every level of our organization. We do this by maintaining procedural and technological safeguards that meet or exceed applicable law. We are committed to customer service, and believe that protecting your personal information is an integral part of that service. On occasion, as a part of that service, we may provide some of that information to companies affiliated with us and/or parties which provide related services which may be valuable to you; or, if we are unable to find a loan product which works for you, to other financial service providers which may have a loan product which would work for you. We believe that these types of disclosures may be desirable or acceptable to you. Nonetheless, if you would prefer that we not make such disclosures, you may elect to opt-out, as indicated below.

Where do we get the personal information? We may receive personal information about you from various sources. They include:

(a) Personal information which you provide and submit to us on your loan application(s), sales documents or other forms, such as your name, address, assets, income, etc.

(b) Personal information which is provided to us in relation to or about transactions with us, our affiliates, or other non-affiliated third parties, relating to such things as payment histories, account balance, account activity, etc.

(c) Personal information received from: consumer reporting agencies, such as credit bureau reports; other parties with information which relates to your credit worthiness; and other sources, such as from your employer about your employment status.

When and to whom might we disclose your personal information?

We may disclose personal information about you to third parties as permitted or required by law. Such third parties may include (but are not necessarily limited to) the following: future mortgage servicers, companies that provide services to support your mortgage needs, credit bureaus, government entities, courts and parties with whom you have requested us to share information.

We may also disclose personal information about you to companies which are controlled by, or affiliated by common ownership with, iFreedom Direct Corporation and which may offer alternative mortgage products or services related to your mortgage needs.

We may also disclose personal information about you to non-affiliated third parties, such as to other financial service providers (including banks, consumer finance companies, lenders, insurance companies, etc.) and/or to non-financial companies (which may be engaged in direct marketing or the selling of products and services which may be of interest to you).

iFreedom Direct Corporation gives you the choice of how your personal information may be shared. If you would prefer that we not disclose non-public personal information about you as a customer, consumer, or former customer to non-affiliated third parties, you may elect to “opt-out” of those disclosures. If you opt-out, that means that you direct us not to make any such disclosures of non-public personal information about you (other than disclosures required or permitted by law). If you wish to opt-out of such disclosures, you may do so by filling out and mailing the opt-out request form below. (In respect to loans made to multiple borrowers, we will acknowledge an opt-out by any borrower, as applicable to all borrowers.) If you choose to opt-out, you must mail the completed form to the address indicated below, postage prepaid:

If you make your loan application electronically and elect to receive notices electronically, you may complete and submit the opt-out form electronically, as well.

Effective: June 16, 2005. This Privacy Notice supersedes all previous notices or statements regarding this subject.

Name: (Please Print)_____________________________________________________________

[ ] Check box to Opt-Out (I hereby request that you limit the personal information about me that

iFreedom Direct Corporation may share with affiliated or non-affiliated third parties.)

To use on-line opt-out form, please print or create a facsimile of the foregoing, fill out, and mail.

iFreedom Direct Corporation believes in fair lending practices. We adhere to The Fair Housing Act and the Equal Credit Opportunity Act in all aspects of the credit process, including the pricing of mortgage loans. Our pricing standards are designed to ensure that loan applicants will be priced on a non-discriminatory basis.

Our mortgage rates are competitive and we're up-front about all costs. We don't charge "fluff" fees that can cause real sticker shock at the settlement table. Our home equity second mortgage lien loans don't carry application fees or "teaser" rates that are intended to go up after a few months.

iFreedom Direct Corporation does not tolerate any form of fraud, deceit, or misrepresentation, including the failure to provide information material to the loan application or documentation to verify the accuracy of any and all information provided in order to obtain loan approval. All violators will be prosecuted to the full extent of the law. iFreedom Direct Corporation will notify the appropriate regulators of all violations. These may include, but are not limited to:

iFreedom Direct Corporation may refuse to make any loan on the basis of fraud or misrepresentation.

iFreedom Direct Corporation agrees to accept your personal check(s) under the following conditions:

We do not accept “counter checks.” All checks must have your name, address, and account number preprinted on them.

All checks returned from your bank unpaid for any reason will be subject to a $20.00 returned check charge, or the maximum allowed by law in your resident state. Collection costs, including but not limited to, penalties permitted by state law and Attorney’s fees, will be assessed if the check amount and returned check charge are not paid in full within fifteen (15) days of notice. Funds to replace a returned check must be certified funds. Customers who wrongfully place a stop payment or who provide a check on a closed or frozen account will be prosecuted to the full extent of the law, applicable in the resident state.

Your check serves as authorization for iFreedom Direct Corporation to withdraw the full amount from your checking account either by standard deposit or Electronic Funds Transfer (EFT). In the event a check is returned from your bank unpaid, upon availability of funds in the account, iFreedom Direct Corporation reserves the right to utilize EFT to withdraw the face value of the check(s), plus a $20 returned check fee directly from your account.


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