Please read this Agreement carefully before accessing the e-MoneySolutions web site (aka "Service," "Website,""Site") as you will be bound by it. As a condition to and in consideration of receiving and accessing the e-MoneySolutions web site, the User agrees to be bound by the terms of this Agreement in its entirety and any modifications thereof. Use of or access to the e-MoneySolutions web site shall constitute acceptance of and agreement to be bound by this Agreement. If you do not wish to be bound by this agreement, do not access the e-MoneySolutions web site. e-MoneySolutions reserves the right to change this agreement at any time. If you have any questions about this Agreement, please contact us via e-mail at: info@e-moneysolutions.com .

E-MoneySolutions web site Access Agreement

THIS AGREEMENT "Agreement" is entered into by and between e-MoneySolutions and any individual, corporation, association, agency, company, or other entity who accesses or uses the e-MoneySolutions web site (the "User" or "you"). The e-MoneySolutions web site, which is provided without charge to you, is a World Wide Web site on the Internet that is designed to allow users to learn about and apply for various types of mortgage loans, or interact with e-MoneySolutions. The e-MoneySolutions web site is owned and operated by e-MoneySolutions, Inc. The e-MoneySolutions web site contains or may contain information, communications, opinions, text, graphics, links, electronic art, animations, audio, video, software, photos, music, sounds and other material and data (collectively, "Content") formatted, organized and collected in a variety of forms that are generally accessible to Users, including directories and databases, and areas of the e-MoneySolutions web site that can be modified by Users, such as posting application information, posting contact information, and registering user profiles.

1. User Rights and Responsibilities

1.1 Access to the e-MoneySolutions web site.

You are responsible for providing all hardware, software, telephone or other communications equipment and/or service to connect to the Internet and access the e-MoneySolutions web site and are responsible for all Internet access charges, telephone charges or other fees or charges incurred in connecting to the Internet and accessing the e-MoneySolutions web site.

1.2 User Conduct.

You agree to access and use the e-MoneySolutions web site only for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations, pertaining to (i) your use of the e-MoneySolutions web site, including any Interactive Area, (ii) the use of any networks or other services connected to the e-MoneySolutions web site, and (iii) the communications means by which you connect your modem, computer, or other equipment to the e-MoneySolutions web site. By accessing the e-MoneySolutions web site, you agree that you will not:

(1) restrict or inhibit any other user from using and/or enjoying the Interactive Features;

(2) post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national, or international law;

(3) post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.

(4) post or transmit any information, software or other material which contains a virus or other harmful component;

(5) alter, damage or delete any Content or other communications that are not your own Content or to otherwise interfere with the ability of others to access the e-MoneySolutions web site;

(6) disrupt the normal flow of communication in an Interactive Area;

(7) claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship;

(8) violate any operating rule, policy or guideline of your Internet access provider or online service.

2. Intellectual Property Rights

2.1 e-MoneySolutions web site content.

(a) You acknowledge that Content on the e-MoneySolutions web site is generally provided by the e-MoneySolutions web site, individual contributors of Content ("Contributors"), third party licensees, and/or other Users. You acknowledge that the e-MoneySolutions web site permits access to Content that is protected by copyrights, trademarks, and other proprietary (including intellectual property) rights ("Intellectual Property Rights"), and that these Intellectual Property Rights are valid and protected in all media existing now or later developed and except as is explicitly provided below, your use of Content shall be governed by applicable copyright and other intellectual property laws. You acknowledge that the e-MoneySolutions web site owns a copyright in the "look and feel," i.e., the selection, coordination, arrangement and presentation of such Content.

(b) You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the Content, in whole or in part, provided, however, that you may (i) make a reasonable number of digital or other form of copies to permit your computer hardware and software to access and view the Content, (ii) print one copy of each piece of Content, (iii) make and distribute a reasonable number of copies of Content, in whole or in part, in hard copy or electronic form for internal use only. Any permitted copies of Content must reproduce in an unmodified form any notices contained in the Content, such as all Intellectual Property Right notices, and an original source attribution to "The e-MoneySolutions web site" and its URL address. You acknowledge that the e-MoneySolutions web site, its Contributors, and/or Users remain the owners of the Content and that you do not acquire any Intellectual Property Rights by downloading or printing Content.

2.2 Content Provided by User.

You may upload to any Interactive Area or otherwise transmit, post, publish, reproduce or distribute, on or through the e-MoneySolutions web site only Content that is not subject to any Intellectual Property Rights, or Content in which any holder of Intellectual Property Rights has given express authorization for distribution over the Internet and on the e-MoneySolutions web site, without restriction whatsoever. Any Content submitted with the consent of a copyright owner other than you should contain a phrase such as "Copyright owned by [name of owner]; Used by Permission." By submitting Content to any Interactive Area, you automatically grant and/or warrant that the owner of such Content, whether it be You or a third party, has expressly granted to the e-MoneySolutions web site the royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, sublicense, distribute, perform, and display such Content, in whole or in part, worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any Intellectual Property Rights that may exist in such Content. You also permit the e-MoneySolutions web site to sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to such Content. You also permit any User to access, view, store and reproduce the Content for personal use.

3. Termination

The only right with respect to dissatisfaction with any policies, guidelines, or practices of the e-MoneySolutions web site in operating the e-MoneySolutions web site, or any change in Content, is for you to discontinue accessing the e-MoneySolutions web site. The e-MoneySolutions web site may terminate or temporarily suspend your access to all or any part of the e-MoneySolutions web site, without notice, for conduct that the e-MoneySolutions web site believes is a violation of this Agreement or any policies or guidelines posted by the e-MoneySolutions web site, or for other conduct which the e-MoneySolutions web site believes, in its sole discretion, is harmful to the e-MoneySolutions web site or other Users. The e-MoneySolutions web site may discontinue operating the e-MoneySolutions web site and terminate this Agreement without notice at any time for any reason in its sole discretion. In the event of termination, you are no longer authorized to access the e-MoneySolutions web site, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the e-MoneySolutions web site, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.

4. Links; Disclaimers Of Warranties; Limitations of Liability

4.1 Links. You understand that except for Content, products or services expressly available at the e-MoneySolutions web site, neither the e-MoneySolutions web site, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents controls, provides, or is responsible for any Content, goods or services available through sites on the Internet linked to or from the e-MoneySolutions web site. All such Content, goods and services are made accessible on the Internet by independent third parties and are not part of the e-MoneySolutions web site or controlled by the e-MoneySolutions web site. The e-MoneySolutions web site neither endorses nor is responsible for the accuracy, completeness, usefulness, quality or availability of any Content, goods or services available on any site linked to or from the e-MoneySolutions web site, which are the sole responsibility of such independent third parties, and your use thereof is solely at your own risk. Neither the e-MoneySolutions web site, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents shall be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused by your use of or reliance on any Content, goods or services available on any site linked to or from the e-MoneySolutions web site or your inability to access the Internet or any site linked to or from the e-MoneySolutions web site.

4.2 Disclaimer of Warranties. Please use your best judgment in evaluating all information contained or opinions expressed on the e-MoneySolutions web site. It is the policy of the e-MoneySolutions web site not to endorse or oppose any opinion expressed by a User or Content provided by a User, Contributor, or other independent party. YOU EXPRESSLY AGREE THAT YOUR USE OF THE e-MoneySolutions web site IS AT YOUR SOLE RISK. NEITHER THE e-MoneySolutions web site NOR ANY OF ITS SUBSIDIARY AND PARENT COMPANIES, OR AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, LICENSORS OR OTHER SUPPLIERS PROVIDING CONTENT, DATA, INFORMATION OR SERVICES WARRANTS THAT THE e-MoneySolutions web site OR ANY INTERNET SITE LINKED TO OR FROM THE e-MoneySolutions web site WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, INCLUDING THE INTERACTIVE AREAS, OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NOR DO ANY OF THEM MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE e-MoneySolutions web site OR ANY INTERNET SITE LINKED TO OR FROM THE e-MoneySolutions web site OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, AUTHORITY, COMPLETENESS, USEFULNESS, NONINFRINGEMENT, RELIABILITY, AVAILABILITY, OR SUBSTANCE OF ANY CONTENT, INFORMATION, SERVICE, OR TRANSACTION PROVIDED THROUGH THE e-MoneySolutions web site OR ANY SITE LINKED TO OR FROM THE e-MoneySolutions web site. THE e-MoneySolutions web site IS PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

4.3 Limitation of Liability. UNDER NO CIRCUMSTANCES SHALL THE e-MoneySolutions web site, ITS SUBSIDIARY AND PARENT COMPANIES, OR AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, OR LICENSORS, BE LIABLE FOR ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR ARISING FROM THIS AGREEMENT, THE e-MoneySolutions web site, OR ANY INTERNET SITE LINKED TO OR FROM THE e-MoneySolutions web site, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION, INCLUDING WITHOUT LIMITATION, ANY LIABILITY FOR DAMAGES CAUSED OR ALLEGEDLY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, ELECTRICAL SURGE/DAMAGE/INTERFERENCE, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATIONS LINE FAILURE, BREAKDOWN OF EQUIPMENT, SOFTWARE ERROR, INFRINGEMENT, UNAUTHORIZED ACCESS TO, OR THEFT, DESTRUCTION, ALTERATION, OR USE OF, RECORDS.

UNDER NO CIRCUMSTANCES SHALL THE e-MoneySolutions web site, ITS SUBSIDIARY AND PARENT COMPANIES, OR AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, OR LICENSORS, BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON THE CONTENT CONTAINED WITHIN THE e-MoneySolutions web site OR THE CONTENT CONTAINED WITHIN ANY INTERNET SITE LINKED TO OR FROM THE e-MoneySolutions web site. THE CONTENT WITHIN THE e-MoneySolutions web site AND THE CONTENT WITHIN INTERNET SITES LINKED TO OR FROM THE e-MoneySolutions web site MAY INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE CONTENT HEREIN; THESE CHANGES WILL BE INCORPORATED IN NEW VERSIONS OF THE e-MoneySolutions web site AND SPECIFICALLY ARE INCLUDED IN THIS SECTION AGREEMENT. THE e-MoneySolutions web site AND ITS CONTRIBUTORS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONTENT AT ANY TIME AND FROM TIME TO TIME.

YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT THE e-MoneySolutions web site IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE, FRAUDULENT, OR OTHERWISE ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH ANY e-MoneySolutions web site SITE CONTENT, OR WITH THE ACCESS AGREEMENT OF THE e-MoneySolutions web site, IN WHOLE OR IN PART, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE e-MoneySolutions web site.

5. Indemnity

You agree to indemnify and hold the e-MoneySolutions web site, its parent or subsidiary companies and their affiliates, and their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including reasonable attorneys fees, arising from breach of this Agreement, any other policy, your use or access of the e-MoneySolutions web site or any Internet site linked to or from the e-MoneySolutions web site, or in connection with the transmission of any Content on the e-MoneySolutions web site.

6. Loan and Personal Information Sections

e-MoneySolutions, Inc. reserves the right to change any information at this Site at any time including, but not limited to, changing and/or deleting any loan programs, rates, or related information as offered by participating lenders, funding sources, banks, or other institutional investors without prior notice. User also agrees that nothing contained in this website is an offer, promise or otherwise, either to make a specific loan, or that any participating funding source will make any loan, for any purpose, or on any specific terms. All loan related decisions are made by the funding source in the course of its normal business, and any applicable loan offerings are made to qualified applicants in separate loan documents, which are required by respective state and federal laws of the United States of America. Loans may only be made to residents of states where participating funding sources are licensed or authorized to make such loans. By offering their loans on this website, those funding sources are not attempting to solicit or provide loans outside their authorized areas of operation. You acknowledge and agree that e-MoneySolutions, Inc. and its participating funding sources, shall not be liable or responsible should confidential information belonging to the user be inappropriately intercepted and subsequently used by an unintended recipient. e-MoneySolutions, Inc. takes precautions to protect your private information. For security purposes, our application pages reside on a secure server and use secure 128-bit encryption.

7. Miscellaneous

This Agreement comprises the entire agreement between the e-MoneySolutions web site and you, and supersedes any prior agreements with respect to the subject matter herein. The e-MoneySolutions web site may revise this Agreement or any other policy at any time and from time to time, and such revision shall be effective two (2) days upon posting notice of such revision prominently on the e-MoneySolutions web site. You agree to review this Agreement periodically to be aware of such revisions. If any such revision is unacceptable to you, you must discontinue accessing the e-MoneySolutions web site. Your continued accessing and use of the e-MoneySolutions web site following notice of any such revision shall conclusively be deemed acceptance of all such revisions. The provisions of Sections 1.2, 2.1, 2.2, 5.1, 5.2, 5.3, 6 and 7 shall survive the termination or expiration of this Agreement. If any provision of this Agreement or any other policy be held invalid or unenforceable, that portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intention of the parties and the remaining portions will continue in full force and effect. The failure of the e-MoneySolutions web site to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This Agreement shall be governed by the laws of the state or province of domicile of the e-MoneySolutions web site, excluding its conflict of laws rules, and you and the e-MoneySolutions web site each submit to the exclusive jurisdiction of the courts of that state or province. This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. All logos, brand names, products, trademarks and service marks appearing herein may be the trademarks or service marks of their respective owners. References to any trademark, service mark and links to or from the e-MoneySolutions web site have been done strictly for clarification and identification and does not constitute endorsement by the e-MoneySolutions web site of the products, services or information offered by the owner of such trademark, service mark or link or endorsement of the e-MoneySolutions web site by such trademark, service mark or link owner. Information presented here is being provided to you on an "as-is" basis. e-MoneySolutions, Inc., does not warrant or guarantee the accuracy of the information contained in this web site neither expressed nor implied. All information should be independently verified. e-MoneySolutions, Inc., is not responsible or liable for any inaccuracies or typographical errors in the information contained in this web site. It is your sole responsibility to independently evaluate the accuracy, correctness and completeness of the information presented here. All information, including pricing, is subject to change without notice. e-MoneySolutions, Inc., and its affiliates, agents and employees are not licensed real estate brokers, salespersons, accountant, mortgage brokers or attorneys. e-MoneySolutions, Inc., is not a real estate agency. e-MoneySolutions, Inc., in no way participates in any real estate transactions. The content of this web site may vary depending upon your browser limitations, and whether or not it empowers viral web-readiness. You may contact our webmaster at anytime, webmaster@e-moneysolutions.com, if you have any difficulties regarding the technical operations of our website. e-MoneySolutions, Inc. has no obligation to monitor the Service. However, you acknowledge and agree that e-MoneySolutions, Inc. has the right to monitor the Service electronically from time to time to optimize real-time systems, to synthesize its transparent partnerships, to whiteboard certain integrated platforms, and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its users. e-MoneySolutions, Inc. will not intentionally monitor or disclose any private electronic-mail message unless required by applicable law. e-MoneySolutions, Inc. reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate, or in violation of these Terms of Service. e-MoneySolutions, Inc. makes a reasonable effort to include accurate and up-to-date information in the site, e-MoneySolutions, Inc. makes no warranties or representations as to its complete accuracy. e-MoneySolutions, Inc. assumes no liability or responsibility for any errors or omissions in the content of the site. The Terms of Service and the relationship between you and e-MoneySolutions, Inc. shall be governed by the laws of the State of Utah without regard to its conflict of law provisions. You and e-MoneySolutions, Inc. agree to submit to the personal and exclusive jurisdiction of the courts located within the County of Davis, State of Utah. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the web site or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

COPYRIGHT

e-MoneySolutions.com's site design, all software, animation, sound, graphics, product display, text, its engineered plug-and-play niches, and the selection and arrangement thereof are Copyright ©2003 e-MoneySolutions, Inc. ALL RIGHTS RESERVED.

Permission is granted to print product information for the sole purpose of obtaining a loan through e-MoneySolutions, Inc. Any other use of materials on this website, including reproduction for purposes other than the one noted above, modification, distribution, or republication, without the prior written consent of e-MoneySolutions, Inc., is strictly prohibited.

SECURITY

For those pages that transmit personal data, our PRODUCTS page (ordering credit reports and appraisals using your credit card information), and our APPLICATION pages (revealing your name, address, social security number, etc.) - we use secured 128-bit encryption, which is the most powerful encryption protection available for Internet transactions. Strictly guarded and very difficult to export, 128-bit encryption ensures that information exchanged online can only be read and understood by our special decoding software.

HOME MORTGAGE DISCLOSURE ACT

Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the geographic distribution of our residential mortgage and home improvement loans.

EQUAL HOUSING OPPORTUNITY

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1998). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.

	In the sale or rental of housing
	In advertising the sale or rental of housing
	In the financing of housing
	In the provision of Real Estate brokerage service
	In the appraisal of housing
	Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 - CALIFORNIA FAIR LENDING NOTICE

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice
Race, color, religion, sex, marital status, national origin, or ancestry.
It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one to four unit family residences occupied by the owner and for the purpose of the home improvement of any one to four unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

Department of Corporations
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105

CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE - CALIFORNIA

If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and any money you have put into it, if you do not meet your obligations under the loan. Mortgage loan rates and closing costs and fees vary based on many other factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be justified depending on the individual circumstances of a particular consumer's application. You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans and is, or may be, subject to the additional disclosure and substantive protections under Division 1.6 (commencing with Section 4970 of the Financial Code). You should consider consulting a qualified independent credit counselor or other experienced financial adviser regarding the rate, fees, and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or call the United States Department of Housing and Urban Development's counseling hotline at 1-888-466-3487 or go to www.hud.gov/fha/sfh/hcc for a list of counselors. You are not required to complete any loan agreement merely because you have received these disclosures or have signed a loan application. If you proceed with this mortgage loan, you should also remember that you may face serious financial risks if you use this loan to pay off credit card debts and other debts in connection with this transaction and then subsequently incur significant new credit card charges or other debts. If you continue to accumulate debt after this loan is closed and then experience financial difficulties, you could lose your home and any equity you have in it if you do not meet your mortgage loan obligations. Property taxes and homeowner's insurance are your responsibility. Not all lenders provide escrow services for these payments. You should ask your lender about these services. Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors

EQUAL CREDIT OPPORTUNITY ACT - FAIR LENDING NOTICE

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity #4037
Washington, D.C.

FAIR CREDIT REPORTING ACT NOTICE

15.U.S.C.1681 impacts many stages of the loan process. It requires that the ordering of a credit report be solely for the purpose of underwriting the loan or other credit or collection purposes. In underwriting the loan, it regulates the manner in which information from consumer reporting agencies is used. The act also has disclosure requirements if a loan request is denied. Lenders are required to retain adverse action disclosure statements for 25 months. Lenders who pass on information in consumer reports, or other information obtained on consumers, to third parties can inadvertently become consumer reporting agencies.

DISCLAIMER

Any forward-looking statements about the corporation, contained in this website are based on estimates and assumptions that are subject to significant business, economic, and competitive uncertainties, many of which are beyond the Corporation's control and subject to change. These uncertainties can seize our web-enabled functionalities, they can affect actual results, and although they may monetize our cross-media e-business, it could cause actual results to differ materially from those expressed or implied in any forward-looking statements in this website, or other published corporate documents. You may be guided accordingly.

Our Privacy Policy

At e-MoneySolutions we respect your privacy. We are committed to treating information about you responsibly. We understand the need to safeguard sensitive information that you have provided and that you expect privacy and security for your personal and financial affairs. We minimize the information we collect to that which is necessary in processing or administering a mortgage for you.

To make the home financing process simpler and more enjoyable, we request information regarding your financing needs and preferences.

Due to the sensitive nature of the information collected as a mortgage entity, that information is captured as you enter it on our secure server. Then it segregated and accorded special treatment.

Personal and financial data that you submit to e-MoneySolutions as part of the mortgage application and/or servicing process is segregated and used solely for the purposes of providing mortgage financial products. Only those e-MoneySolutions employees who need to know information about you to provide products or services to you will have access to this information. Personal and financial data will not be disclosed by e-MoneySolutions, except as described in the following paragraphs.

When you submit a loan application to us, you should know that as part of processing your application and/or servicing your loan, we collect personal information about you from the following sources:

Information received from you on applications and/or other related forms
Information about your transaction with e-MoneySolutions, e-MoneySolutions' affiliates or others, and
Information we receive from consumer reporting agencies

This additional information is needed as to complete the mortgage process.

We at e-MoneySolutions recognize the sensitivity of the information you provide and, as such, will not share that information (as described above) except to the extent permitted by you or permitted under the Federal Fair Credit Reporting Act (which permits us to share your name, address and facts about your transactions and experiences -- such as your loan payment history -- to the lending institutions we work with.) This means that e-MoneySolutions will not share information about your income or assets with anyone unless we ask for, and receive, your permission.

Except as stated elsewhere in this Privacy Policy, e-MoneySolutions will disclose personal and financial information about you (as described above) with third parties only if you agree that we can. If your application is made jointly, all associated applicants must agree to this information sharing process. Please note that we will not share information regarding your income and assets with any non-affiliate, except as described in the next paragraph.

e-MoneySolutions may also share personal and financial information about you (as described above) as permitted by law. Such instances could include (but are not limited to) reports filed with certain government agencies or documents produced in response to a court order or subpoena.

e-MoneySolutions maintains physical, electronic and procedural safeguards to comply with federal standards to safeguard your personal and financial information.

e-MoneySolutions has established procedures designed to ensure that personal information about you is as accurate and complete as possible, in accordance with reasonable commercial standards. If you believe that any information about you is inaccurate or incomplete, please notify e-MoneySolutions by email at privacy@e-moneysolutions.com or by calling (801) 807-1014. e-MoneySolutions will take appropriate steps to investigate your concerns and correct inaccurate information in a timely manner.

Former Customers

If you are a former e-MoneySolutions customer, e-MoneySolutions will continue to treat information you have provided as if you were still an active customer.

Effectiveness of Privacy Policy

This Privacy Policy applies only to individual consumers. This Privacy Policy is effective as of January 1, 2003, and applies to personal and financial information submitted via this website on or after that date.

Questions

If you have any questions or comments regarding this Privacy Policy, please feel free to contact us via email at privacy@e-moneysolutions.com or by calling (801) 807-1014.