PATRIOT ACT INFORMATION DISCLOSURE

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask you your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents as well.

SECURITY

For those pages that transmit personal data, our credit application page (ordering credit reports and appraisals using your credit card information), our loan application page (revealing your name, address, social security number, etc.), and contact page (your comments and email address) - we use secured 128-bit encryption, which is the most powerful encryption protection available for Internet transactions. Strictly guarded and very difficult to export, 128-bit encryption ensures that information exchanged online can only be read and understood by our special decoding software.

PRIVACY STATEMENT

There are a few simple things that you can do to safeguard your information on the Internet: keep your account number, user name and password safe; be sure to use a secure browser and keep your virus detection software current; never open email from an unknown source; and always log out of the loan status area when you're finished. When you call, our security procedures require that we ask you for information only you would know--so we're sure it's you.

We take guarding the privacy of the information that you provide when using No Bull Financial, LLC's website very seriously. It's our way of sustaining your trust in our company, our products, and our services. We welcome this opportunity to describe our privacy policies and the steps we take to protect your information. Not only is it a requirement of the Gramm-Leach-Bliley Financial Modernization Act of 1999 (which affords consumers new federal privacy protections which apply to a wide range of entities that come within the Act's definition of a “financial institution”), we believe it is our responsibility to safeguard your personal and financial information. Please read this policy to understand how we will treat the personal information that you give to us. We are proud to make this commitment to you, as we value the trust you place in our company. Our privacy procedures include the following:

We disclose our privacy policies and procedures on this page of our website. We allow all users to opt out at any time from receiving e-mail messages or solicitations from No Bull Financial, LLC and selected No Bull Financial, LLC partners, or from having information shared with selected No Bull Financial, LLC sponsors, business partners or affiliates.

Since this policy may change over time as we modify or expand our services, we suggest that you check back from time to time in order to understand how we treat your information. Your use of No Bull Financial, LLC constitutes your agreement to the terms of No Bull Financial, LLC's privacy policy. If we decide to change our privacy policy, or integrate synergistic technologies, we will post those changes on this page so that you are always aware of what personal information we collect, how we use it and under what circumstances we disclose it. Your continued use of No Bull Financial, LLC constitutes your agreement to any such changes.

What personally identifiable information does No Bull Financial, LLC collect?

Application Data:

During the application process, No Bull Financial, LLC collects personal information including your name, address, email address, birth date, gender, zip code and phone number, etc. After providing No Bull Financial, LLC with this information, you are no longer anonymous. You do not have to provide any personal information to use the No Bull Financial, LLC website. However, if you choose to withhold requested information, you will not be able to submit a complete application for residential real estate mortgage financing with No Bull Financial, LLC In addition, we may not be able to provide you with some of the other services dependent upon the collection of such information, such as ordering a credit report.

Other data collected:

From time to time, No Bull Financial, LLC may collect additional personal and non-personal information about you. This may include:

1. Information you provide when registering to receive goods or services from one or more of our partners or affiliates.
2. Information you provide when entering into a contest, sweepstakes or promotion sponsored by No Bull Financial, LLC and/or one of our partners or affiliates.
3. Information you provide when filling out a user survey.
4. Information you provide if you contact our customer service center.
5. Data related to the areas of No Bull Financial, LLC that you visit and how often you visit those areas. This includes co-branded sections of No Bull Financial, LLC that are part of our overall service.
6. No Bull Financial, LLC may also collect information at other times.

How does No Bull Financial, LLC use personal information?

We use the personal information you supply us, including your basic application data (name, address, phone number, e-mail address, and gender) to enhance the No Bull Financial, LLC service, personalize your experience and provide you with special offers we think you will find valuable. We also use other information obtained from user site traffic patterns to better provide you with a personalized experience and special advertising offers and promotions. We view personalized advertising as beneficial to our users. Except as otherwise provided for within this website, we will never sell or share your individual personal credit card or loan application data without your expressed permission.

No Bull Financial, LLC uses the information described above to do, among other things, the following:

1. Personalize and enhance the No Bull Financial, LLC site and service.
2. Send personalized information about No Bull Financial, LLC and its site features and offers via email, unless you have opted out of receiving these types of communications.
3. Send you advertising about trusted No Bull Financial, LLC partners, unless you have opted out of receiving these types of communications.
4. Contact users for feedback regarding No Bull Financial, LLC and No Bull Financial, LLC's partners via email surveys or telephone contact.

We may also use the information we collect to develop summary reports for our advertisers. An example of a summary report might be "100,000 people visited our site and clicked on this link." We provide this information to assist our advertisers in determining how to promote their products. We do not tell our advertisers who it was that saw or clicked on their advertisements.

Unless you have opted out (send e-mail to ) of receiving special offers or e-mails from selected third parties, we also may provide a report to our advertiser which tells them who responded to a particular offer. For example, we might send you an e-mail which offers you a discount on a particular service. If you click on that e-mail or accept an offer or discount contained therein, we may provide the advertiser with the information necessary to provide you with that discount.&

What choices are available to you regarding the collection, disclosure and distribution of personal information and how can you opt-out?

You can always choose whether or not to disclose personally identifiable information and that choice will not prevent you from using the No Bull Financial, LLC website. Please note, however, that you must provide some personally identifiable information in order to submit an application for residential real estate mortgage financing.

You can choose at anytime to opt out of receiving e-mails from No Bull Financial, LLC or from having your personally identifiable information shared with selected companies. Simply send a request to our support e-mail address on our contact page (or click ). If you elect to "opt out" we will not share your personal information with third parties or send you e-mails. However, No Bull Financial, LLC may continue to use your personal information for internal purposes, to process, underwrite, close and fund your mortgage loan, or to enhance your user experience or as necessary to administer the site or comply with applicable law. No Bull Financial, LLC also will need to supply certain information to partners in the processing of your mortgage. These partners include, but are not limited to, credit agencies, title companies, appraisal companies, and closing agents.

What happens when you leave No Bull Financial, LLC to go to other sites?

When you are on the No Bull Financial, LLC website, you may be directed to other sites that are beyond our control. For example, if you "click" on a banner advertisement the "click" may take you off the No Bull Financial, LLC site. These other sites may independently collect data, or solicit personal information. No Bull Financial, LLC is not responsible for any use of the information including click-stream data that you may create when using such third party sites. Review their products and services carefully. Furthermore, because the No Bull Financial, LLC privacy policy is applicable only while you are on our Site, once linked to another Web site, you should read that site's privacy policy before disclosing any personal information. Their own privacy policies may be different than ours. We are not responsible for the use of the information that you give these third parties.

No Bull Financial, LLC also offers its users access to "co-branded" services that are jointly provided by No Bull Financial, LLC and selected companies. In some cases, these co-branded services will contain No Bull Financial, LLC branding, but may not be hosted by No Bull Financial, LLC You may notice that you are on a co-branded site if the pages say "provided by", or if you are asked to subscribe for any service or provide additional information. In such cases, if you use the co-branded service, No Bull Financial, LLC may be entitled to receive information about what you do when using that service. If you elect to provide additional personal information using a co-branded service, the information you provide may be shared or jointly retained by the provider of that service in accordance with that provider's privacy policies and terms of service. Again, we encourage you to read the privacy polices of these other companies and to contact these companies directly if you have any questions about their use of this information. When you are using a co-branded service, we will attempt to make sure that there is a link to the service provider's applicable privacy policies and terms of service.

No Bull Financial, LLC uses the latest technology to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no data transmission over the Internet can be guaranteed totally secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us or from our online products or services, and you use these services at your own risk.

How and when is information disclosed to third parties?

No Bull Financial, LLC does not disclose your personally identifiable information to any non-affiliated third party without first receiving your permission or in special situations described below, such as to comply with the law or administer the site. In certain circumstances, we outsource work to other companies who specialize in processing work--for example, account statement printing. We share with those companies only the customer information they need to do their job. These companies are subject to a thorough selection process, and they are contractually required to comply with strict standards of confidentiality. You can elect to opt-out of e-mail contact at anytime through utilizing the support e-mail address on our contact page. You can also elect not to use certain services or participate in certain promotions if you do not want your information shared with the third parties who are sponsoring or administering such promotions.

Sweepstakes, Promotions and sponsorships: You should review any applicable sweepstakes and promotions rules or user agreement to see what is being shared. If personally identifying data about you will be shared, through evolved viral users or others, we will disclose this to you before we collect or transfer the data.

Administering the Site and Compliance with Law: No Bull Financial, LLC may disclose your personally identifiable information if we believe in good faith that we are required to do so in order to comply with applicable law, a subpoena, or other legal process. In addition, No Bull Financial, LLC may access account information for administrative and other purposes that we believe are necessary to develop, maintain and improve our products and services.

How do we protect your information?

We restrict access to information about you to only those who have a need to know that information in connection with the purposes for which it is collected and used. Additionally, we maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

What About Children's Information

We comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain any information from consumers under the age of eighteen.

Who can you contact with questions regarding this policy?

Questions regarding this statement should be directed to our Executive & Administrative offices directly. If you do not receive acknowledgement, or if your inquiry has not been satisfactorily addressed, you should contact the Office of the President here at No Bull Financial, LLC