Mortgage Office of America

Privacy Policy

Overview
You take online privacy seriously and so does MOA. This statement is one way of sustaining your trust in our company, our products and our services. Our privacy policy describes how we collect, protect and use information about you during your visit on our web site.

As you may realize, we need to collect information about our customers to help us communicate with you, and to evaluate eligibility for additional products and service that may be right for you. At MOA, we work to meet your expectations of keeping that information confidential and secure. This statement is intended to help you understand what information we collect about you, how we use it, how we protect it, and the choices you have regarding its use. ("MOA" is referred to in this notice as "we", "us" and "our".)

What Information Does MOA Collect Online?
We obtain information about our customers when an application or other form is filled out on our site.

Does MOA Use Cookies or Other Online Technologies to Collect Information About Me?
Some of our web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a web site can send to your browser, which may then store the cookie on your hard drive. So, when you come back to visit us again, we can tailor information to suit your individual preferences. The goal is to save you time and provide you with a more meaningful visit.

When you visit our site, we may collect and store information about your visit. This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider. We use this data on an aggregate basis to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.

What Information Do We Share?
We may share the following kinds of information about our customers:

• Information we receive on applications and account forms, such as name, address and occupation;
• Information about your transactions with us, our affiliates or others such as loan account balances and payment history; and
• Information we receive from credit bureaus, such as creditworthiness and credit history.

Why Do We Share Information?
We share customer information to:

• Respond quickly to customer needs and request. For example, to process loans or send checks to a clearinghouse for processing;
• Inform customers of services and products and services that we offer. For example, to inform customers about a home equity line of credit to accompany a first mortgage;
• Help protect customers from unauthorized use of and/or access to accounts and services. For example, we verify the information given to us to check for fraud; and
• Improve and develop products and services by reviewing the data we have about our customers.

With Whom Do We Share Information?
To serve our customers and enhance their experience with us, we may share their loan level information with the following types of affiliates and third parties:

Our Affiliates

• Non-financial companies, such as real estate agents and brokers; as well as relocation companies that offer our products and services.

Third Parties Not Affiliated With Us

• Financial companies that perform loan origination or servicing functions for us, market our financial products or services on our behalf, or offer financial products or services as part of a joint marketing arrangement; and
• Non-financial companies such as retailers, real estate agents and brokers, marketing and transportation companies and other service providers with whom we have marketing agreements to offer products and services.

How Do We Treat Former Customers?
The privacy practices described in this statement will continue to apply to former customers.

How Do We Protect Customer Information?
We restrict access to the information obtained from our websites and web pages to our employees, agents and contractors who need this information to provide products or services to our customers. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect our customer's information.

How Can Customers Review, Change or Correct The Information We Collect?
We are committed to maintaining accurate and up-to-date information on all of our customers. We may provide customers with access to account information in different ways, for example, over the telephone, online or on paper.

If you have completed and saved, but have not submitted, an online form or application you may be able to make certain changes to the information you have provided to us before it is submitted. If you are unable to make changes to the information you have provided to us online, you may contact us in order to do so.

How Can You Contact MOA If You Have Questions About This Privacy Policy?
U.S. Mail:
Mortgage Office of America
1855 W. State Road 434  
Longwood, FL 32750
Email: info@moa-usa.com

Will MOA Make Changes To This Privacy Policy?
This statement is effective ________, 2006 and remains in effect until amended. MOA reserves the right to amend this Privacy Policy or alter its privacy principles at its sole discretion without notice to you. Any alterations to this Privacy Policy or our privacy principles will be posted on our web site in a timely manner.