What personal information do we collect?

We only collect information when you register to receive our research newsletter. In general, when you visit this Web site and access information, you remain anonymous.

Because of our policy, you will not receive any unsolicited email ("SPAM") by visiting this site. In fact, you can "opt out" of many sites by visiting http://opt-out.cdt.org/ or similar sites like http://www.the-dma.org/.

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

  2. Information we receive from you on applications or other forms;
    Information about your transactions with us, our affiliates, or others;
    Information we receive from a consumer reporting agency.

  3. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.


  4. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the requested loan origination services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

This notice is pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission's implementing regulation thereunder, 16 CFR Part 313.

This Web site may provide links to third party sites. Since we do not control these Web sites, we encourage you to review the privacy policies of these third party sites.