Policies INFORMATION POLICIES I place a high value upon the trust that you place in me when applying for a loan. I promise not to abuse that trust by inappropriately using the information you provide to me. I request this information in order to provide you with the most comprehensive and accurate data possible. I will not sell or give away your information to any third party. The information you provide will be used in the following ways. LOAN APPLICATION INFORMATION Unless you are a government agent who must go through security clearance and background checks, a loan application is probably the most detailed information-gathering process that you will encounter as an ordinary citizen. I am aware of the concerns you may have during this process. I will protect the sanctity of your trust by using your loan application information only and exclusively for the purpose of obtaining a mortgage. CONTACT INFORMATION AND PERSONAL DETAILS In addition to information used exclusively to submit your loan application, I ask for certain details, such as email addresses and personal details including whether you are a first-time mortgage buyer and whether you rent or own. None of this information is ever disclosed to third parties. Instead, I use this information to present information specific to your situation to better educate you about the opportunities that exist specifically for you. SECURITY All of the sensitive information forms are submitted and stored securely using tried and proven industry standard protocols. While no security system is 100% airtight (you should be wary of anyone making that claim) I have taken every reasonable, prudent, and effective step to maintain the security of the system.   DATA COMMUNICATIONS SECURITY Information you send me must pass through your own computer, your own Internet Service Provider, my Internet Provider, and eventually to me. As soon as the personal information that you have put into your browser leaves your computer, it is encrypted using "SSL" (Secure Sockets Layer) technology. Any network between you and me, including your ISP and our ISP, will only see garbled encrypted data if they were to "eavesdrop" on our connection. Netscape Navigator and Internet Explorer indicate that the transfer is secure via two mechanisms. First, the URL on any secured page will begin with https:// rather than http://. Secondly, the browser may display a lock, a blue bar, or other indicator showing that your data will be encrypted prior to transmission. Once your encrypted information is received, the system decrypts your data, and places it into a password-protected database on a secured network that is again accessed through another password-protected system, located behind a firewall. This triple protection is the digital equivalent of "Fort Knox" that protects your sensitive data. The only way to get at this information is to use my Web site and the administration password that you supply during the account creation process. This is why you should keep this password in a safe place, and why I only send your password to your e-mail address. However, as soon as I send your password in e-mail, you should immediately log in and change your password to prevent someone on the Internet from obtaining your password, and hence, access to your private information. Thank-You,   Mark Hammette