
Privacy Notice
Overview of the ToddFrank.com Privacy Policy
Thank you for visiting our web site. You take online privacy seriously and so does ToddFrank.com. This statement is one way of sustaining your trust in our company, our products and our services. Our privacy statement 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 and share 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 ToddFrank.com, 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. What Information Does ToddFrank.com Collect Online? We obtain information about our customers from when visitors access www.ToddFrank.com, ToddFrank.com may automatically collect non-personally identifiable information about them, including, among other things, the links visitors use to arrive at ToddFrank.com, the domain and host from which visitors access the Internet, the type of web browser that visitors use the type of operating system in use, IP addresses, and the number and frequency of visitors who visit various pages of our site.We only collect personally identifiable information about visitors when they voluntarily submit it to us. For example, we ask for information when a visitor registers for a service or event or applies for a loan at ToddFrank.com through www.ToddFrank.com. We may also ask for a visitor's name and e-mail address if the visitor wants to submit a question to us via e-mail message, utilize e-mail features, or subscribe to a newsletter, e-mail alert, or other e-mail subscription service. Information provided to us when an application or other form is filled out on our site; Information provided to use during web page registrations; and Information provided to use during personal profile updates. Use of Information We may use non-personally identifiable information collected from visitors to www.ToddFrank.com to conduct reviews of our site, to guide decisions about the development of ToddFrank.com and to provide an enhanced online experience for our visitors. We may also use such information to identify, on an aggregate basis, general trends that may, for example, assist us in determining how to work with lenders to provide a wider array of products. We may use personally identifiable information collected from visitors to www.ToddFrank.com for any of the following purposes: (1) to answer visitors' questions, (2) to provide services, newsletters, and other information that visitors specifically request or register for through our Web site, (3) to develop and improve ToddFrank.com, (4) to protect the security and integrity of ToddFrank.com, or (5) for internal business purposes. 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 Financial service providers such as banks, mortgage brokers, auto finance companies, securities broker-dealers and insurance agents; and 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 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. Does ToddFrank.com 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. Most browsers are initially set to accept cookies to store information. Visitors are always free to decline cookies, but in doing so they may not be able to use certain features on www.ToddFrank.com. Other Web Sites/Linked Third Parties www.ToddFrank.com may contain links to third party web sites. Our privacy policy does not apply to these linked sites. In addition, ToddFrank.com does not endorse and is not responsible for the privacy practices or content of any of the linked sites. We generally have no control over the way in which the sponsors of the third party sites collect and use information. Therefore, we recommend that visitors review the posted privacy statements on any web site they visit. Security We maintain physical, electronic, and procedural safeguards to maintain the confidentiality, security, and integrity of visitors' personally identifiable information. We allow access to personally identifiable information only to persons and entities engaging in activities permitted by this privacy policy. Although we strive to maintain the highest standards of privacy, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. ToddFrank.com cannot guarantee or warrant the security of any information visitors transmit to us and visitors do so at their own risk. Changes We reserve the right to revise or change the terms of the ToddFrank.com privacy policy in the future to reflect modifications to our site. To ensure that visitors are aware of our current privacy practices, we recommend that they check this site periodically. We will not materially change how we handle previously collected personally identifiable information without providing notice and choice as to how we use this information.

Thank you for visiting our web site. You take online privacy seriously and so does ToddFrank.com. This statement is one way of sustaining your trust in our company, our products and our services. Our privacy statement 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 and share 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 ToddFrank.com, 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. What Information Does ToddFrank.com Collect Online?
We obtain information about our customers from when visitors access www.ToddFrank.com, ToddFrank.com may automatically collect non-personally identifiable information about them, including, among other things, the links visitors use to arrive at ToddFrank.com, the domain and host from which visitors access the Internet, the type of web browser that visitors use the type of operating system in use, IP addresses, and the number and frequency of visitors who visit various pages of our site.We only collect personally identifiable information about visitors when they voluntarily submit it to us. For example, we ask for information when a visitor registers for a service or event or applies for a loan at ToddFrank.com through www.ToddFrank.com. We may also ask for a visitor's name and e-mail address if the visitor wants to submit a question to us via e-mail message, utilize e-mail features, or subscribe to a newsletter, e-mail alert, or other e-mail subscription service.

Information provided to us when an application or other form is filled out on our site;
Information provided to use during web page registrations; and
Information provided to use during personal profile updates.

Use of Information
We may use non-personally identifiable information collected from visitors to www.ToddFrank.com to conduct reviews of our site, to guide decisions about the development of ToddFrank.com and to provide an enhanced online experience for our visitors. We may also use such information to identify, on an aggregate basis, general trends that may, for example, assist us in determining how to work with lenders to provide a wider array of products.
We may use personally identifiable information collected from visitors to www.ToddFrank.com for any of the following purposes: (1) to answer visitors' questions, (2) to provide services, newsletters, and other information that visitors specifically request or register for through our Web site, (3) to develop and improve ToddFrank.com, (4) to protect the security and integrity of ToddFrank.com, or (5) for internal business purposes.
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

Financial service providers such as banks, mortgage brokers, auto finance companies, securities broker-dealers and insurance agents; and
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 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.

Does ToddFrank.com 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.
Most browsers are initially set to accept cookies to store information. Visitors are always free to decline cookies, but in doing so they may not be able to use certain features on www.ToddFrank.com.
Other Web Sites/Linked Third Parties
www.ToddFrank.com may contain links to third party web sites. Our privacy policy does not apply to these linked sites. In addition, ToddFrank.com does not endorse and is not responsible for the privacy practices or content of any of the linked sites. We generally have no control over the way in which the sponsors of the third party sites collect and use information. Therefore, we recommend that visitors review the posted privacy statements on any web site they visit.
Security
We maintain physical, electronic, and procedural safeguards to maintain the confidentiality, security, and integrity of visitors' personally identifiable information. We allow access to personally identifiable information only to persons and entities engaging in activities permitted by this privacy policy.

Although we strive to maintain the highest standards of privacy, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. ToddFrank.com cannot guarantee or warrant the security of any information visitors transmit to us and visitors do so at their own risk.
Changes
We reserve the right to revise or change the terms of the ToddFrank.com privacy policy in the future to reflect modifications to our site. To ensure that visitors are aware of our current privacy practices, we recommend that they check this site periodically. We will not materially change how we handle previously collected personally identifiable information without providing notice and choice as to how we use this information.

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Privacy Notice