Are Any Lenders Exempt From Ability-To-Repay Rules?

1.) ONLINE PRIVACY STATEMENT

This Privacy Statement describes the online information collection and use practices of the Website UnlimitedMortgageLending.com (“UML”) and its corporate divisions and business affiliates. This Privacy Statement does not in any way describe UML’s offline information collection and use practices, or the practices UML employs when collecting information online through means other than the above-listed Website. An example of such additional information collection practices includes but is not limited to you as a customer of Unlimited Mortgage Lending, L.L.C., or site user sending UML an email message. “We” or “us” or “our” or “UML” refers to UnlimitedMortgageLending.com and its owners and/or affiliates. UML is strongly committed to protecting the Privacy of our customers.

2.) CHILDREN’S ONLINE PRIVACY “COPPA” INFORMATION

The Children’s Online Privacy Protection Act of 1998 is a United States federal law, located at 15 U.S.C. §§ 6501–6506.

The the following explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information:

We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will immediately delete such information from our records. If we change our collection practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. If at any time we establish or begin providing services on any website that in anyway meets the criteria of COPPA, we will ensure that full compliance is met in every aspect of COPPA.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13 we also do NOT knowingly distribute such information to any third party.

We do NOT knowingly allow children under the age of 13 to become customers, or otherwise, distribute personally identifiable contact information.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13, we do NOT condition the participation in any online activities of a child under the age of 13 on providing personally identifiable information. However, even as outlined above we do NOT knowingly allow children under the age of 13 to access and use UnlimitedMortgageLending.com in general.

3.) ACKNOWLEDGEMENT AND ACCEPTANCE OF TERMS

UML its divisions and affiliates are committed to protecting your Privacy. This Privacy Statement is current as of the updated date listed above and sets forth our current privacy practices with regard to the information we collect when you or your computer interacts with our Website (s). By accessing UnlimitedMortgageLending.com or any affiliates or divisions, you as the end-user viewing this information and/or Website acknowledge and fully understand UML’s Privacy Statement and freely consent to the information collection and use practices described in this Privacy Statement. By submitting information to UML through this Website or otherwise, you are making an inquiry as to lending programs and services offered by UML and give UML permission to contact you through Email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.

If UML makes any substantive changes to this Privacy Statement we will announce it on our Website (s) and revise the current date listed. If you have provided us with the contact information, we will send you a notice to the email address we have on file for you. UML will not be responsible for inaccurate or outdated email addresses when supplying Privacy Statement updates. If you have any questions or concerns regarding this policy, contact us at legal@unlimitedmortgagelending.biz. Once the changes have been made, your continued use and/or access of the Website will constitute your acceptance and consent to the information collection and use practices described in the revised Privacy Statement.

4.) PARTICIPATING ADVERTISER AND MERCHANT POLICIES

UnlimitedMortgageLending.com may contain links to websites owned and operated by unaffiliated third parties. These links are provided as a service to you as a customer and/or user and do not constitute UML’s endorsement or support of the third-party websites or the information or content contained within the third-party web sites. Related services and offerings with links from this Website have their own privacy statements that can be viewed by clicking on the corresponding links within each respective Website. Unaffiliated third parties who provide information and links through UML are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards Privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for and do not endorse the privacy practices or content of those sites. We recommend and encourage that you always review the privacy policies of any third parties before you provide any personal information or complete any transaction with such parties. Please contact each third party provider directly if you have any questions about their privacy policies or the information they require for you to complete any transaction.

5.) INFORMATION WE COLLECT AND HOW WE USE IT

UML collects certain information from and about its customers and users, subject to the provisions as outlined in Section 2 above, in the following ways which include but are not limited to: directly from our web server logs and from cookies. UnlimitedMortgageLending.com also collects information volunteered by you in several areas, including loan applications, mortgage information requests, account pages, logins, site registrations, and surveys. Certain information we request for you to participate in certain features within the website(s) may include but not be limited to personally identifiable information such as name, address, telephone and fax numbers, email address, and billing information. We will at all times inform you at the time we collect information, whether the information requested, is necessary for you to participate in a particular feature or access a particular product on the website(s).

We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including but not limited to, the following:

To fulfill your service requests for loan processing, services or funding authorizations

To respond to legal process including a court order or comply with federal, state or local law

In connection with a merger, acquisition, or liquidation of UML or its affiliates and business divisions

The information collected may also be used to respond to specific requests by you including sending you periodic information and special offers from UML or its affiliates and our sponsors and/or advertisers, to provide you with updates on offerings and features, to provide you with product information from affiliates in UnlimitedMortgageLending.com database, to provide notice of changes to Terms of Use and Privacy Statement. The information provided by you may also be used to better understand customers’ interests and usage behavior, and maybe collected and/or combined with information from affiliates of UML online or offline sources.

We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.

Credit Report Data: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.

Newsletter Request: We may provide you with the opportunity to subscribe to E-newsletters and other Email based communications. You may unsubscribe by following the instructions provided in each Email newsletter. UML follows all CAN-SPAM Act 2003 regulations.

• Use of Cookies, Web Server Logs and other electronic information collection mechanisms.

When you visit our Website (s), we may track information to administer the Site and analyze its usage. Examples of information we may track include:

• Your computer’s Internet protocol address or I.P. address.
• The kind of web browser or the computer you use.
• Number and type of links you click within the Site.
• Locality including the state or country from which you accessed the Site.
• Date and time of your visit(s).
• Name of your Internet service provider.
• Pages you viewed on the Site.

I.P. addresses are collected for system administration purposes and for use in studying how people use our Site (s) and how UML can improve the use of the Site. UML may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page or account or navigate within the Site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.

UML may use cookies to identify customers and to automatically give them access to previously stored information. UML may also use cookies to estimate our audience size and usage patterns and to track the aggregate number of customer returns at our web site(s). UML may also use cookies to simplify certain processes on the Website (s), including but not limited to the filing out of certain forms.

You have the ability to accept or decline cookies by changing certain settings of your web browser. If you reject cookies by changing your browser settings, then be aware that this may disable some of the functionality on our Website.