Accessing or otherwise using this website, Loanrefi.com and subpages, constitutes your understanding of and agreement with the terms and conditions stated below. If you do not agree to these terms and conditions, you are not authorized to access or use the website and you are to cease accessing or otherwise using the website. All rights not expressly granted herein are reserved.

Loanrefi.com is not a lender or a broker. The material presented on this website is offered as informational material only, to be used at your own risk. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the website.

Any information herein, including facts, statistics, rates, offers, laws, et cetera, is presented as accurate and reliable to the best of the authors’ knowledge at the time of posting and may not reflect subsequent changes, which may occur without notice.

Loanrefi.com may be paid by third parties to offer products of relevance to the subject matter of the website, and to describe said products in a favorable manner. Loanrefi.com is not liable for any damages resulting from the use of the information herein or consequent, including but not limited to the use of links provided to advertisers on this website. In no circumstance will Loanrefi.com be liable for damages or costs arising from the use of third-party services. Loanrefi.com does not guarantee that any products, loan terms, or rates offered are the most favorable or advantageous in the market. Loanrefi.com DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES AND CONDITIONS WITH REGARD TO THIRD PARTY CONTENT, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Loanrefi.com is not responsible for information submitted to or collected by the website. Such information may include “cookies” or other “web beacons” assigned to the computer, browser, or IP address used to access the website. Third-party websites advertised on or linked to via Loanrefi.com may independently solicit and collect information, so you are recommended to consult the privacy statements of all third-party websites you visit. These prohibitions do not require Loanrefi.com to monitor, police or remove any information submitted by you or any other user.

Loanrefi.com may contain copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound. Unless claimed by a previous rightful copyright holder, the entire contents of the website are copyrighted as a collective work under United States copyright laws. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of the copyright owner. Elements of the website are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Loan Refi Privacy Policy

last updated: 11/24/2010

LoanRefi.com values the privacy and safety of visitors to our website. The following privacy policy will describe in detail 1) the information that will be collected, 2) how that information will be used, and 3) how that information may be shared.

In order to most effectively provide information about appropriate products and services, and to optimize the effectiveness and security of said services, LoanRefi.com may:

• collect and use any widely-available personal infomation (including, but not limited to, information made available via government records and Internet media)

• collect personal information provided to LoanRefi.com such as name and contact information (including, but not limited to, email and physical addresses, telephone numbers) and use said information only for the purpose expressed at time of transmission

• collect financial information expressly provided to match users with lenders or other third party financial entities and determine general eligibility for loans.

• collect personal information from consumer reporting agencies or financial institutions in order to process specific requests for services. LoanRefi.com will NEVER request a credit report without permission.

• “Cookies”: Upon visiting the LoanRefi.com website, a computer may be assigned one or more “cookies” to expedite access to website products and service, and to provide important information about website activity. These cookies do not store personally-identifiable information and may be declined or deleted at any time, in which case certain website features and services may not be accessible.

• Via use of cookies or otherwise, LoanRefi.com may collect technical information including, but not limited to, IP address, operating system, web traffic statistics, and limited browsing history (i.e., navigation within the LoanRefi.com website or concerning embedded third-party links to and from the LoanRefi.com website).

Any information expressly provided to LoanRefi.com, whether part of a request for services or during general communication (e.g., questions, comments, suggestions) will be considered non-public, regardless of whether the information is publicly-available elsewhere.

When accessing our website from outside the United States, please be aware that your information will be stored and processed in accordance with the laws of the United States rather than those of your local jurisdiction.

Our privacy policy does not cover any third-party websites or other third-party services that may be accessed through our website. We strongly recommend that you read and understand the applicable privacy policies before submitting any personal information to third parties.

While no security system can ever be 100% secure, we take every appropriate measure (electronic security incl. firewalls and encryption, as well as physical measures) to prevent unauthorized access to stored information. LoanRefi.com utilizes 128-bit SSL (Secure Socket Layer) encryption during transmission and retrieval of information.

LoanRefi.com does not share personally-identifiable information with any third parties without prior expressed consent.

LoanRefi.com provides the option to discontinue communications (“opt out”) at any time by submitting a request via email to LoanRefi.com.

LoanRefi.com may share your personal information to fulfil legal requirements, e.g., to respond to a subpoena or governmental audit.

Any collected and compiled aggregate information, e.g., web traffic statistics and demographic information, may be shared freely with third parties, but will not contain any personal information.

Aggregate and personal information must be maintained for a period of no less than 7 years to comply with state and federal laws.

Changes to this Privacy Policy may occur without prior notice. In the event that significant changes are made to the manner in which LoanRefi.com collects, uses, or shares personal information, affected users will be notified via email if available, reflected in the “last updated” date of this Privacy Policy document, and conspicuously posted on the LoanRefi.com website.