IFC Loans reserves the right to change the terms, conditions, and notices under which the ifcloans.com site is used. This site is for your personal use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the ifcloans.com site.

The ifcloans.com site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of IFC Loans, so IFC Loans is not responsible for the contents of any Linked Site, including any link contained in a Linked Site, or any change or updates to a Linked Site. These links are provided to you only as a convenience and the inclusion of any link does not imply endorsement by IFC Loans of the site.

As a condition of your use of the ifcloans.com site, you warrant to IFC Loans that you will not use the ifcloans.com site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the ifcloans.com web site in any manner that could damage, disable, overburden, or impair the ifcloans.com web site or interfere with any other party's use of the ifcloans.com web site.

All contents of the ifcloans.com web site are Copyright © 2007 IFC Loans. All rights reserved. IFC Loans will use good faith efforts to ensure the accuracy of the information provided in order to familiarize users with home financing and to identify known alternatives. However, the information, products and services published on this web site may include inaccuracies or typographical errors. Changes are periodically added to the information published at this site. IFC Loans and/or its suppliers may make improvements or changes in this web site at any time without notice.

As a condition of use of this web site, the user agrees to indemnify IFC Loans and its suppliers from and against any and all liabilities, expenses (including attorney's and expert's charges) and damages arising out of claims resulting from user's use of this web site, without limitation any claims alleging facts that if true would constitute a breach by user.

IFC Loans does business in accordance with the Federal Fair Housing Law.

Our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect, maintain and use certain personal and financial information. We recognize and respect your privacy concerns and expectations about this information. We want you to know about our privacy policies and practices.

We collect, retain and utilize information about you to operate our business and to make products, services and other opportunities available to you. We obtain information in a variety of ways (for example, directly from you in applications, from your transactions or experiences with us, or our affiliates, and from credit bureaus and other third parties). Also, when you visit our web site, we collect information to measure the use of our site and to improve the content of our site.

We maintain procedures to protect the security of your information. Employees and technology vendors receive training on the importance of confidentiality and customer privacy. In addition, our employees and technology contractors sign a confidentiality agreement that states, among other things, that all customer information that our employees or contractors come in contact with will be used solely in connection with the performance of their authorized job functions. If you have any questions about our privacy policy or the use of your personal information, please contact us by phone at 1-800-520-0432 or by email at info@ifcloans.com.

At IFC Loans, we use leading-edge technology to ensure that all customer information is safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry.

All customer information is encrypted using Secured Socket Layer (SSL) technology supported with digital certificates provided by Verisign, Inc. This means that your loan application information is safe and secure as it travels over the Internet.

All customer information is encrypted using Secured Socket Layer (SSL) technology supported with Secure Server IDs also known as digital certificates provided by Verisign, Inc. Secure Server IDs bind an identity to a pair of electronic keys that can be used to encrypt and sign digital information. A Secure Server ID makes it possible to verify our claim that we have the right to use a given key, helping to prevent people from using phony keys to impersonate other users. Used in conjunction with encryption, our secure server ID provides complete security. A Secure Server ID is issued by a trusted third party called a Certification Authority with a (CA), in this case, Verisign. A CA acts somewhat like a passport office. CAs must take steps to establish the identity of the people or organizations to which they issue IDs. Once the CA establishes an organization's identity, it issues a certificate that contains the organization's public key and signs it with the CA's private Key. By using a Secure Server ID from Verisign as part of our secure site, we conduct authenticated, encrypted on-line commerce. Users visiting our site will be able to submit credit card numbers or other personal information to the site, with assurance that you are really doing business with us (and not an imposter) and that the information that you are sending cannot be intercepted or decrypted by anyone other than the intended recipient.

If you have any questions about our site security, please contact us by phone at 1-800-520-0432 or by email at info@ifcloans.com.

Disclosures and License Information

IFC Loans is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

The following states require disclosure of licensing information. (If your state is not listed, it doesn't require a specific license disclosure.)

• Arizona - Interactive Financial, 14675 E. White Drive, Dewey, AZ 86327, Mortgage Banker License #BK - Q909150.
• California - Licensed by the Department of Corporations under California Finance Lender Act.
• Georgia - Residential Mortgage Licensee (#21804) - 3250 W. Big Beaver Road, Troy, MI.
• Illinois - Residential Mortgage Licensee #MB 0006120 - Office of Banks and Real Estate, Mortgage Banking Division, 310 S. Michigan Avenue, Suite 2130, Chicago, Illinois, 60604-4278 (312) 793-3000 3250 W. Big Beaver Road, Troy, MI.
• Massachusetts - Mortgage Lender and Broker License MC5127
• Pennsylvania - Licensed as a first mortgage banker by the Department of Banking and Licensing. Licensed pursuant to the Secondary Mortgage Loan Act.
• Virginia - Licensed by Virginia state Corporation Commission, License #MLB-1455.