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Privacy Statement and Security Policy

The privacy and security of our users are of utmost importance to us. Protecting their privacy and earning and retaining their trust are a core policy of our business. This Privacy Policy and Security Statement describes how we protect the information that we collect while providing our services, and reflects our firm commitment to maintain the privacy and security of this information. Please review this statement to understand what we do and don't do with data that we collect.

Information We Collect
We collect non-public personal information submitted by loan applicants via our online loan application forms. We collect this information on behalf of our loan broker clients. All non-public information and data related to both loan applicants and our broker clients is and will be considered confidential, proprietary and non-public. It's understood that any disclosure of such confidential or non-public information to any other party could cause significant personal and competitive harm.

Information We Disclose and To Whom We Disclose Information
We disclose the non-public personal information that we collect only to the specific loan broker on whose behalf we collected that information. (We recommend that loan applicants coming to our site from a loan broker site consult the privacy policy of that loan broker.) We may also disclose information to government agencies, if required by law, to comply with a legal summons, court order, subpoena or a similar legal process. PointExpress agrees that it is not granted right or license, express or implied, to the confidential information. We do not and will not provide, trade, sell or rent information to any other party.

Confidentiality and Security Procedures
We restrict access to the information we collect to those employees who need to know such information in the course of providing our services. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard this information. We provide a secure server and password-protected environment that protects all information by Secure Socket Layer (SSL) encryption. SSL encodes and decodes the transmission of information to prevent the interception by another party. This transmission can be done on our website at 128 bit encryption. Our users can confirm that they are in a secure mode by verifying that their web browser's URL/address/location line begins with "https://". (In contrast, a line that begins with "http://" indicates a non-secure transmission mode).

Accessing Password-Protected Pages
When you try to access one of our password-protected pages, you will be prompted to type a user name and password. You may be offered to store the password on your computer, so that you will not need to type the password when you try to access the page again. If the computer you are using is not for your sole use, do not store the password, so that other users will be prevented from accessing the page. After you have finished accessing the page(s), click the "Log Off" link, so that other people using the computer will be prevented from accessing the pages(s). If you have questions about your user name or password, contact us at help@pointExpress.com.

Use of "Cookies" and IP Addresses
We do not use Cookies (small amount of data sent by our website to your browser and stored on your computer). Cookies that you may establish with loan broker sites that are linked to our site are not our responsibility, and you should review their specific policy on cookies. We store IP addresses of those browsing our web site to track the number of times specific users view particular pages. We do not track any individual person's activities using IP addresses.

The only emails that we send to users are notifications regarding submission of loan applications and direct responses to users queries. We provide the loan applicants' email addresses to the specific loan broker on whose behalf the loan application has been submitted, in order to facilitate communication during loan processing. We do not and will not provide, trade, sell or rent users' email addresses to any other party.

Updating or Deleting Information
To update or delete submitted information, or to obtain additional details about our privacy and security procedures, please contact us at help@pointExpress.com.

We reserve the right to make changes to this policy. You can always review our current policy online at www.pointExpress.com or by contacting us at help@pointExpress.com.

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