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Effective: June 1, 2005

Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. The information we collect may be from the following sources:

• Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, telephone number, self-assessed property value, and social security number).
• Information you provide us when you register to receive communications from us (such as your email address).
• Information you provide us when you enter promotions or sweepstakes offered by Billsmadesimple.com (such as your full name, physical address and email address).
• Information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a Billsmadesimple.com partner.
• Information you provide us when you apply for a job with Billsmadesimple.com.

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other sources (such as service providers) for tracking purposes. We may add the information we receive about you to your existing account. Like other websites, we also automatically receive and record certain types of information every time you visit us. We use " cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our website. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

Information Sharing and Disclosure
We do not share personal information about you with other people or nonaffiliated companies except to provide product or services you have requested or under the following circumstances:

Loan Products or Service Requests - If you submit a request for a loan product or service offered through this website we will share the personal information contained in your request form, such as your full name, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network strictly to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with lenders in our provider network. For example, we may use your social security number to obtain your credit score to help us match you with a lender. In addition, lenders that receive your personal information may use your social security number to pull your credit score and/or credit report in order to process and fulfill your request. All lenders in our provider network, which include banks, mortgage lenders and brokers, have entered into marketing agreements with Billsmadesimple.com and are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email, or mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the lenders contacts you by telephone and you wish not to be contacted again by that lender with respect to your inquiry, then you should specifically make a request to that lender not to contact you again. If the lender disregards your request and contacts you again, please let us know immediately by sending an email to Billsmadesimple.com Customer Care. Please note that the lenders may maintain the information you provided whether you elect to use their services or not.

Other Products or Service Requests - If you submit a request for a product or service other than a loan such Internet access, automobile insurance or long distance telephone service, we will share the personal information contained in your request form such as your full name, telephone number and email address with our business partners to process and fulfill your request. Our business partners may contact you by telephone, email, or mail based on the information you provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of our partners contacts you by telephone and you wish not to be contacted again by that business partner with respect to your inquiry, then you should specifically make a request to that partner not to contact you again.

Vendors - We sometimes disclose the information we collect to companies that host certain services for us such as marketing distribution services on our behalf. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information except to market the specified Billsmadesimple.com products or services.

Job Postings - We allow for the online submission of resumes and employment related information. Please note that the information (including personal information) collected through the online job application process on the Career Pages section of our website is not subject to this Privacy Policy . However, we want to assure you that information obtained from our job site will be used solely for the purpose of accepting and evaluating your submission for possible employment and the related purposes described on our Career Pages. We currently use Wet Feet, an outside third party vendor, to handle our employment related submissions. All personal information collected by Wet Feet is kept confidential and forwarded to Billsmadesimple.com for the purpose of recruitment.

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Billsmadesimple.com's Terms of Use, or as otherwise required by law.

Business Transfer - As with any other business, it is possible that Billsmadesimple.com, in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by Billsmadesimple.com, including customer account information, but would continue to be bound by this privacy pledge unless you consent otherwise.

Anti-Spam Policy
You will not receive Billsmadesimple.com email communications unless you submit your email address to us and register to receive them. Additionally, you may also receive emails that advertise Billsmadesimple.com's services from third party publishers. We have established firm ground rules for dealing with any third party email services to ensure that advertisements for Billsmadesimple.com are not sent out through a "Spam" mailing -- ensuring that our offers are sent only to those individuals who have given their permission to the third party email service to receive email communications. If any third party email publisher refuses to abide by Billsmadesimple.com's anti-Spam policy, we will not use that publisher's services. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. An "unsubscribe" link should appear within or at the top or bottom of the email you received. However if for any reason it does not work, please bring that to our attention by emailing us at Billsmadesimple.com Customer Care.

Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used Billsmadesimple.com. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.

We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

Confidentiality and Security
The security of your personal information is very important at Billsmadesimple.com and we take a number of steps to safeguard it. For example:

• We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. Employees are required to comply with our strict policies and procedures regarding the handling of your personal information. Employees who violate these policies are subject to our normal disciplinary process.
• We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
• We use industry standard data encryption technologies when transferring and receiving consumer data on the Billsmadesimple.com website.
• We have partnered with VeriSign to protect against the loss, misuse or alteration of information that we collect from you.

Opting-Out
You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to Billsmadesimple.com Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that Billsmadesimple.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you enter into a transaction through our website, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.

A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians Please see our Terms of Use for more information.

Updating Your Information
If you want to access or update the personal information you submitted to Billsmadesimple.com, please contact Billsmadesimple.comv Customer Service In the alternative, you can write us at the address below and request that your personal information be updated.

Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us by sending an email to: serviceteam@Billsmadesimple.com

Changes to this Privacy Pledge
Billsmadesimple.com may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how Billsmadesimple.com will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.