Virtual Lending Biz(“VLB”) or ("we") know that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our privacy policy. This Privacy Statement describes the information we will collect about you, who we share the information with, and how you can limit our sharing of your personal information. This Privacy Statement was last updated on January 15, 2007.

What Information Do We Gather and How is it Used?

Information Collection

When you register for the Virtual Lending program, we ask you to provide your name, email address, and Internet address, and other similar information. In addition, we create and retain “Cookies” as described below (all of the foregoing is referred to in this Privacy Statement as your “Personal Information”). VLB retains the information collected through www.VirtualLending.biz and will not share it as described below.

Information Use

Personal Information

We use your Personal Information primarily to register you for downloads provided by VLB or 3rd parties VLB does not share this information with third parties unless required by law or without your consent.

VLB will also use your Personal Information to improve Web content; to respond to visitors' interests, needs and preferences; and, potentially, to develop new products and services. To accomplish these goals, the information collected by VLB may be used to produce written assessment reports, intended only for VLB internal use. We may share your Personal Information with third parties as required by law or with your consent to explore potential employment with the institution. Unless you give your consent by completing an employment application, we will not share your Personal Information.

Cookies

Cookies are files that contain information created by a web server that can be stored on your machine for use either during a particular session ("session" cookie) or for future use ("persistent" cookie). VLB uses both session and persistent cookies to facilitate, track and limit automated activity, and to assist in the collection of site visitation statistics. Cookies are not used to disseminate significant information about users over the Internet. If you decline the attachment of any cookie, you may not have access to the full benefits of the Web site.

Log Files

Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Customer Service

Visitors requiring assistance in use of this Web site should contact VLB by clicking on the "Contact Us" link at the bottom of any Virtual Lending web page. Personal Information collected from you in connection with service requests will only be used to respond to the request. In regards to service requests, we reply via email or phone, in accordance with the user's indicated preference, if any.

Links

This Web site may contain links to other sites. Please be aware that VLB is not responsible for the privacy practices of such other sites that we do not maintain. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Other Sharing

LEGAL DISCLAIMER: ALTHOUGH WE MAKE EVERY EFFORT TO PRESERVE USER PRIVACY, WE MAY NEED TO DISCLOSE PERSONAL INFORMATION WHEN (I) REQUIRED BY LAW, SUCH AS WHERE WE HAVE A GOOD-FAITH BELIEF THAT SUCH ACTION IS NECESSARY TO COMPLY WITH A CURRENT JUDICIAL PROCEEDING, A COURT ORDER OR LEGAL PROCESS SERVED ON OUR WEB SITE; OR (II) NECESSARY TO PROTECT AND DEFEND THE RIGHTS OR PROPERTY OF VLB OR ITS AFFILIATES, INCLUDING THEIR WEB SITES. EXCEPT AS EXPRESSLY STATED IN THIS PRIVACY STATEMENT, IN NO OTHER CIRCUMSTANCES DO WE SHARE ANY PERSONAL INFORMATION WITH ANY PARTNERS, SERVICE PROVIDERS OR OTHER THIRD PARTIES. WE MAY HOWEVER SHARE AGGREGATE DATA WITH THIRD PARTIES WHEN WE CAN DO SO WITHOUT DISCLOSING INFORMATION THAT IS IDENTIFIABLE TO YOU.

Security

This Web site takes commercially reasonable precautions to protect our users' information. When users submit sensitive information via the Web site, their information is protected both online and off-line. All Personal Information entered by a user on the site is encrypted and is protected with the best encryption software currently in the industry - SSL. While on a secure page the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just 'surfing'. While we use SSL encryption to protect sensitive information online, we take commercially reasonable steps to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices and requires proper authorization to be accessed. Only employees who need the information to perform a specific job are granted access to personally identifiable information. Furthermore, all employees are kept up-to-date on our security and privacy practices. Our employees are notified and/or reminded periodically about the importance we place on privacy, and what they can do to ensure our users' information is protected. Finally, the servers that store personally identifiable information are in a secure environment. If users have any questions about the security at our Web site, users can send an email to admin@GetYourMortgage.info.

Notification of Changes to Policy

If we decide to change our privacy policy, we will post those changes to this Privacy Statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. In all cases, we will share information that we previously collected only if allowed under the privacy disclosure provided when we collected that information.

Contact Information

If users want to correct or update their Personal Information or have any questions or suggestions regarding our privacy policy, please contact us at: admin@GetYourMortgage.info; Postal Address: VLB, 13017 Wisteria Drive, Germantown MD 20874.

Miscellaneous

We may modify this policy from time to time. You can determine whether the policy has been updated since you last reviewed it by checking the "Privacy Policy last updated on 1/15/07" date at the top of this Privacy Policy. If at any time you believe we have not adhered to this policy, please notify us and we will use commercially reasonable efforts to promptly identify, diagnose and correct the problem. This is VLB’s sole obligation and your sole remedy for VLB’s breach of this Privacy Policy. You may reach us by e-mail at admin@GetYourMortgage.info; Postal Address: VLB, 13017 Wisteria Drive, Germantown MD 20874.