Collecting Information

FastMLA.com collects information to:

• Accurately identify you;
• Provide you with products and services;
• Protect and administer your records, accounts and funds;
• Design products and services;
• Understand your financial needs;
• Save you time in applying for new products and services; and
• Comply with certain laws and regulations.

FastMLA.com collects information from:

Applications and other forms you give us (e.g., name, address, assets, income and investment objectives, etc...); The FastMLA.com family of companies on transactions you’ve conducted (e.g., account balance, payment history, parties to transaction and debit card usage); Third parties outside FastMLA.com on transactions you've conducted (e.g., account balance, payment history, parties to transaction and credit card usage); Outside sources such as brokers, dealers or schools that help us develop products and services (e.g., application information and transaction information); Credit reporting agencies and market research companies (e.g., credit worthiness, credit history and demographic information); and Public sources, such as federal, state or local records (e.g., mortgage and lien information). FastMLA.com has procedures so that the financial information we collect is correct, current and complete. FastMLA.com is committed to working with you to correct any inaccurate information.

Sharing Information

Depending on the relationship you have with FastMLA.com, we may share information with third party mortgage lenders, mortgage brokers, banks, and other financial institutions, and other 3rd party agencies. FastMLA.com reserves the right to share all information we collect as this Policy describes.

FastMLA.com engages in many businesses (e.g., banking, mortgage lending, brokerage and investment services, trust administration, asset management and insurance). We share information internally between these businesses to prevent fraud, enhance services, and tailor products and services.

Sharing with outside companies (External Sharing) We may share information with selected third parties outside FastMLA.com so they may offer you products and services that may benefit you. These third parties include:

Financial service providers, such as mortgage bankers/brokers, insurance agents/companies, securities broker/dealers, indirect loan originators, correspondent lenders, transaction processors; Non-financial companies, such as retailers; and Others, such as nonprofit organizations. We may share information with marketing partners that include other financial institutions whose products or services we may jointly market under joint marketing agreements from time to time and with third parties outside FastMLA.com who help us market FastMLA.com products and services.

If we share information with third parties, we require them to treat the information in strict confidence and to use it only for the purpose for which it was shared.

Opt Out Exceptions

It is important to understand, if you opt out of information sharing, the law still permits FastMLA.com to share certain information about you: With FastMLA.comCorp companies and third parties outside FastMLA.com - We may share information as permitted by law, such as: With companies that perform services for us, such as loan servicing, check printing, mail house services, printing and account statements, data analysis, bill payment, account aggregation, email services;

• To complete transactions you initiate;
• To service or process your account or enforce your agreement with us;
• To protect the rights, property or safety of FastMLA.com, our customers or others (such as to protect against fraud and to reduce credit risk);
• To comply with a legal requirement or process;
• To comply with your request or authorization to share information; and
• To furnish information to consumer reporting agencies.

With our marketing partners - We may share information with our marketing partners, as described above, to help us market FastMLA.com’s products and services to you and, from time to time, to jointly market other financial institutions’ products and services. Former customers If you end your relationship with FastMLA.com, we will still apply the practices in our policy to information we maintain on you. Your opt out and solicitation decisions stay in effect.

Online Information Practices

FastMLA.com joins with certain third parties to deliver online products and services. We may keep information from online tools and calculators, online applications and forms, online service subscriptions, or business conducted online through Internet or wireless devices. Account aggregation: If you subscribe to Complete Picture, our account aggregation service, FastMLA.com will collect and display the FastMLA.com and non-FastMLA.com account information you request. We may use this information in a form that does not identify you to track user trends and patterns. Online surveys: This information is used solely for research to help us develop a superior Website. We may maintain this information in a form that does not identify you. Email: If you send us email, we may keep the content of your email. Please be careful about the information you email to us, because email to any public website can sometimes be intercepted. If you agree to receive email from FastMLA.com, we keep the information you give us and may use it to send you email messages that specifically interest you. Cookies: A "cookie" tells us our site was visited and which pages were viewed. Cookies are also used for security purposes when you conduct business online. They are common on Websites and do not harm your computer. FastMLA.com uses temporary cookies that do NOT transmit any personal information about you. These are deleted from your computer when you close the browser. Information from children online: FastMLA.com does not market online products and services to children. We take steps to block children from sending us information online.

Additional Rights

You may have other privacy protections under state laws. Our information practices comply with these laws.

Your Options

Information Sharing If you prefer that FastMLA.com not share information about you, you may restrict us from sharing information by opting out. The types of information that we may share, and the categories of companies with which we may share it, are discussed in this Policy. Even if you opt out, we may still continue to share information as explained in the “Opt Out Exceptions” section. If you wish to opt out, your election can apply to either external information sharing or internal information sharing, or both. If you choose to opt out, your election will apply to all products and services you obtain within FastMLA.com. If you have a product or service jointly with another person(s), each of you may opt out individually or you may opt out for each other. If you opt out, we still may share information about a joint party or joint parties unless you or someone else authorized to do so have opted out for that party. Solicitation Preferences If you prefer not to receive promotional offers from FastMLA.com, you may record your preferences with us. However, if you have an established relationship with FastMLA.com, you may still be contacted by your account representatives), and for account related notifications, service and/or support activities.

© 2003 FastMLA.com. 1. GENERAL DISCLAIMER: NEITHER FASTMLA.COM, ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS, MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION CONTAINED AT THIS WEBSITE (INCLUDING THE PAYMENT AND SAVINGS CALCULATORS) OR REPRESENT THAT USE OF THIS INFORMATION WOULD NOT INFRINGE OTHER THIRD PARTY RIGHTS. FURTHER, FastMLA.com SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR THIRD PARTY ARISING FROM USE OF THIS WEBSITE.

2. Hold Harmless: In providing this information, FastMLA.com does not assume any liability as a result of the use or misuse of this information. By your use of this information, you recognize and agree to hold FastMLA.com harmless from any liability as a result of your use or misuse of this information, materials, products or services listed at this website.

3. Copyright, Trademark or Service Mark Infringement: FastMLA.com is the owner and/or authorized user of any trademark, registered mark and/or service mark appearing at this website, and is the copyright owner of the site, including but not limited to any screens appearing at the site. While you are free to download and save a copy of any of the screens for your own personal and noncommercial use, you may not reproduce any of these copyrighted screens, trademarks or service marks on your own computer for distribution to any other person. FastMLA.com maintains a copyright of each of the screens and a license to use any trademarks on its web site.

4. Change of Information at Website: FastMLA.com reserves the right to change any information at this website, including but not limited to revising and or deleting loan products or loan-related information without prior notice. Website Information is Not a Loan Offering: The user is further advised that unless otherwise stated to the user, nothing contained in this website is an offer, promise, or otherwise, either to make a specific loan or that FastMLA.com will make any kind of loan for any purpose on any specific terms. All loan-related decisions are made by FastMLA.com 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 applicable federal and state law of the United States of America.

5. Geographic Restriction: Loans may only be made to properties located in the United States of America. FastMLA.com is not authorized to make any loans outside of the United States of America and by this web site does not attempt to do so. FastMLA.com reserves the right to discontinue loan products in any specific state. FastMLA.com is currently doing business in most states.

6. Confidentiality of Electronic Transmissions: The user is cautioned that transactions over the Internet may not be confidential and may be subject to unauthorized interception by third parties. Accordingly before any information is provided to FastMLA.com, the user should understand that FastMLA.com assumes no liability or responsibility should the user's confidential information be intercepted and subsequently used by an unintended recipient. As an alternative the user may email a FastMLA.com representative at account at fastmla dot com. for assistance or further information. Please review our privacy policy for details on how FastMLA.com protects your information to the best of our ability.

7. Linking to Other Websites: Clicking on certain links within this website might take you to other non-related websites for which FastMLA.com assumes no responsibility of any kind for the content or otherwise. Access to any other websites linked to FastMLA.com site is at the user's risk.

8. Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications: race, gender and income of applicants and borrowers, and information about loan approvals and denials. Inquire at this website regarding the locations where HMDA data may be inspected.

9. Guarantees: We do not guarantee that FastMLA visitors will receive a mortgage product of any kind. We will work to help individuals using FastMLA to receive mortgage products from our affiliated mortgage broker but we in no way can offer a loan nor do we Guarantee loans to users.