imortgage™

Overview

Privacy is of great concern to most users of the Internet, and is a critical part of an enjoyable and satisfactory user experience. imortgage is acutely aware and sensitive to the privacy concerns of visitors and applicants. imortgage will collect personal information from users. This is done to authenticate the user's identity and assist the user in the application and tracking of a loan, thereby providing trust and integrity throughout the mortgage process. Any questions regarding this Privacy Statement can be directed to custsvc@imortgage.com.

Note: imortgage's web site contains links to other web sites. imortgage makes no representations with respect to the privacy practices, privacy statements or otherwise regarding such other web sites.

Information Gathered

imortgage does not collect any personal information from a visitor to its web site without explicitly requesting that the visitor provide it. If a visitor is just browsing imortgage's web site, imortgage does not gather any personal information about the visitor whatsoever. There are two ways in which a visitor may explicitly provide and consent to imortgage's collection of personal information.

Forms and Emails

imortgage uses forms and email links throughout its web site to provide visitors with the opportunity to ask questions and submit comments and suggestions. Additionally, visitors may request that imortgage contact him or her via phone or email to provide additional information about our products and services. In order to do so, imortgage may request additional personal information from the visitor that is relevant or necessary to satisfy the request.

Loan Applications

During the application process for a mortgage loan, imortgage requests certain information from the applicant(s). In order to qualify an applicant for a mortgage loan, imortgage may require name, address, social security number, telephone numbers, e-mail address, and information regarding employment, income, expenses and assets. Additional information may be requested to assist the applicant in preparing the loan application. All information requested and provided during the course of applying for a mortgage loan will be secured to the highest extent. Please refer to imortgage's Security Policy for details regarding the type of security measures taken.

Use of Information

imortgage will not use any information provided by a visitor to our site or any of the information gathered through third parties in conjunction with the processing of an applicant's loan application for any purpose other than primary purpose of providing a mortgage loan. Applicants should be aware that when any real estate transaction is closed and the deed of trust is recorded with the county recorder, that information is made public through the County Recorder's Office of the county recording the deed.

Responses and Updates

imortgage will not use any information provided by a visitor to our site or any of the information gathered through third parties in conjunction with the processing of an applicant's loan application for any purpose other than primary purpose of providing a mortgage loan. Applicants should be aware that when any real estate transaction is closed and the deed of trust is recorded with the county recorder, that information is made public through the County Recorder's Office of the county recording the deed.

Responses and Updates

When imortgage responds to e-mails and other inquiries that it receives, we may retain such correspondence in order to improve our services, web site and for other disclosed purposes.

Loan Application

Once a loan application has been submitted to imortgage, the same information requested and provided during the Insta-App ^SM or Short Application process will be used to order a credit report on all applicants named. A third party credit-reporting agency will be used to provide this information to imortgage. Credit report information will always be safeguarded and will not be accessible via imortgage's web site.

Underwriting

Information gathered on the imortgage web site may be used to underwrite the applicant's loan. Again, this information will not be accessible via the imortgage web site and will be secured at all times.

Loan Closing and Funding

imortgage will continue to use the same information provided by the applicant on the imortgage web site to close and fund the applicant's loan. This process will entail providing such information in all or part to title companies and approved investors to whom imortgage may sell your loan.

Assistance in the Use of the imortgage Web Site

imortgage utilizes the IP addresses of visitors and applicants to help diagnose server problems and to administer the imortgage web site. An IP address is used to help identify the applicant and eliminate the need for redundant data entry. Our site uses cookies to keep track of the applicant's progress through the loan application process. Cookies are also used to save the applicant's password.

Security

imortgage has several layers of security in place to protect from the loss, misuse and alteration of information received via its website. Access to personal information is restricted and made available only to authorized staff and approved vendors.

Additionally, we utilize Secure Sockets Layer (SSL) technology to insure that personal information transmitted to or from imortgage cannot be viewed by unauthorized parties. SSL server authentication allows the visitor's browser to confirm a server's identity and the authenticity of its certificate and public ID.

During an SSL secured connection, all information is encrypted and becomes a list of unrecognizable numbers. The imortgage servers and the applicant's browser understand the mathematical formulas, called algorithms, which turn a secured online session into this scrambled numeric code and back again to meaningful information. SSL can also detect information tampering, which will indicate if data has been altered during transmittal.

This secured connection can be achieved with current versions of most commonly utilized browsers, including but not limited to Internet Explorer, Firefox and AOL. Generally, the browser will display a latched lock, key or other symbol to indicate that a secure session is taking place.

Choice/Opt-Out

imortgage is legally required to keep all submitted loan applications for a period of no less than three years. Additionally, we are required to keep all closed loan files for a period of no less than five years. If you have entered information on our web site that you would like to be deleted from our database, please contact custsvc@imortgage.com. However, please be advised that due to regulatory requirements we may not able to accommodate requests to delete submitted loan applications or closed loan information.

Correct/Update

imortgage allows visitors to modify their previously submitted information via e-mail, postal mail or telephone:

• Email custsvc@imortgage.com
• Send mail to imortgage.com, Inc.
  4800 N. Scottsdale Rd.
  Suite 3800
  Scottsdale, AZ 85251
• call toll free 877 431 0100
• Contact Us