Privacy Policy

Respecting your privacy and security information is important to us and we have put measures in place to ensure that it is protected.

Refinance.com is powered by Home-Account, Inc. Home-Account is a licensee of the TRUSTe Web Privacy Seal Program. TRUSTe is an independent organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site http://www.refinance.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact support@home-account. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php TRUSTe will then serve as a liaison with us to resolve your concerns.

We want to make sure that your personal information is protected and that you understand the policies that protect you. This privacy policy is effective as of Jan 1, 2010.

Cookies and Browsers

This site uses a feature of your browser called a "cookie" to assign a "User I.D." Cookies, by themselves, cannot be used to find out the identity of any user. Your Home Account User ID automatically identifies your computer but not you to our servers when you visit refinance.com. Unless you specifically tell us who you are (for example by completing the enrollment application), if you are just browsing our site, we will never know who you are even though we assign you a cookie.

Blog

This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

Safeguarding Customer Information

We only grant access to nonpublic personal information about you to company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts.

It is our policy that your information remains confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer.

In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

Sensitive information inputted on the site is secured using SSL encryption.

Legal Disclosure

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Collection of Information

We collect nonpublic personal information about you from the following sources:

• Information that identifies you, such as your online enrollment. Examples of this type of information include personal contact information such as your name, address, email address, phone number.
• Transaction information from transactions you conduct with us or our affiliates. For example, your payment histories, account balances, and other transaction records.
• Financial information about you from credit reporting agencies. For example, information relating to your creditworthiness, your credit score and credit usage.
• Other personal information or financial information about you, such as from third parties to verify information you have given us.
• Sensitive personal information such as social security number and financial information such as credit card number and expiration date.

We do not rent or sell your information to third parties for promotional purposes without your consent.

Testimonials

We post customer testimonials on our web site which may contain personally identifiable information such as the customer's name. We do obtain the customer's consent prior to posting the testimonial to post their name along with their testimonial. If you want to remove your personal information that is being displayed on our website under public pages please send your request to support@home-account.com.

Uses of Shared Information

We may share all the information that we collect, as described above, for the following purposes:

• To provide you with the products and services you requested.
• To offer you additional products and services, from us or from others, that may be of interest to you.
• To comply with reporting and other legal requirements.

Affiliated Marketing Programs

Refinance.com is a website powered by Home-Account, Inc. All data items captured through this site are property of Home-Account and not shared with any other parties for promotional purposes.

Marketing Opt-out

You may decide to limit the marketing offers provided by Home-Account or our affiliates. You must do so in writing at the address below or electronically at the following email address support@home-account.com.

If you have already made a choice to limit marketing offers from us, you do not need to act again, unless you are establishing a new customer relationship with us under a different identity. Such as change of maiden name.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by making the change on our member information page at http://www.refinance.com or by emailing support@home-account.com or by contacting us by telephone (877)-398-6970 or postal mail at the contact information listed below.

188 King St., Ste #207
San Francisco, CA 94107

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Service Providers

We use Experian®, a credit report bureau to access member's credit report on your request. Credit report will be visible to members on http://www.refinance.com after authentication with the site. When a registered member selects a loan option and would request lender to contact you, your personally identifiable information will be transmitted to lender upon your request.