Privacy Policy

The Nationwide Mortgage Loan Company respects your right to privacy and appreciates your trust in our website and our network. We have developed this statement to demonstrate our commitment to your privacy. As such, we are committed to maintaining the confidentiality of your personal financial information. These guidelines disclose the privacy policies for this website, www.bdnationwidemortgage.com. We consider safeguarding your financial information a fundamental part of our business philosophy.

Any and all changes to these guidelines will be posted here. Nationwide Mortgage Loans only obtains information about you when you supply such information to us via correspondence such as e-mails, letters, and telephone or if other users or third parties send correspondence to Nationwide Mortgage Loans about your activities or applications on the Web site, we may collect such information into a file specific to you.

Nationwide Mortgage Loans may at times gather anonymous information, which may be used by us or shared with third parties. This information does not personally identify you, but may be helpful for finding a loan program that we were not able to fit you with. Generally this information is collected through analyzed "traffic data" and similar reports. Nationwide Mortgage Loans may contact you or notify you of special loan programs offered by the partners in our network or affiliated service providers. Any information that these third parties collect via cookies and action tags is completely anonymous.

Information We Collect. When you visit our Web site, we may collect the following information in order to service your mortgage or home equity loan:

• Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income);

• Information about your online transactions with us, as well as information about our online communications with you. Examples include your online bill payments and your activity on the Web site, such as collecting information on product information reviewed.

We do not sell any personal information to list brokers, mail-order businesses, or telemarketers. Your information is delivered only to mortgage related bankers, lenders, brokers, loan officers and professionals for the purpose of finding you an appropriate solution for your lending needs. Opting-in on your applications and forms or submitting information through our site means you are aware of and consent to have your information shared with Nationwide Mortgage inc's lending partners and financial services providers for possible contact and marketing activities. Nationwide Mortgage Loans (and its Web Properties and Web Sites) contain links to other sites that were deemed helpful. Nationwide Mortgage Loans is not responsible for the privacy practices or the content of such Web sites.

Disclosure of Non-Public Personal Information. We do not disclose non-public personal information about our customers to non-affiliated third parties, except as permitted by law. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically. If you terminate your relationship with our Bank affiliate, we will continue to adhere to the information policies and practices described in this policy.

Maintaining Accurate Information. We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact us at the number or address set forth below if you believe that our information about you is incomplete, out-of-date, or incorrect

Services and Advertisements by Third Parties. Third parties may offer services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (i.e. if the offer was only made through our site).

Web Specific Information

Log Files
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and other data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our users as a whole. We do not link this automatically collected data to personally identifiable information.

Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We may utilize cookies or session variables, on our Web site from time to time. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. This privacy statement covers the use of cookies on our site only and does not cover use of cookies by advertisers.

On-line Calculator and Application
Nationwide Mortgage Loans provides an on-line calculator and application for the convenience of its clients. Nationwide Mortgage Loans does not retain or link any information from the calculator to a user’s personally identifiable information. Information provided by a user in the on-line application is used only to contact a prospective client and to prepare a proposal that will be presented to a prospective client. The information provided by users on the application and calculator is preliminary and may differ from the information used in any final contract or agreement.

Your Right to Opt-Out
Federal Law provides that you have a right to prevent Nationwide Mortgage Loans from sharing your information with our Affiliates, with third party companies or joint marketers. If you do not want Nationwide Mortgage Loans to share your information with its Affiliates, third party companies or joint marketers, you may fill out the opt-out form and return it to us by regular mail at the address indicated on the opt-out form within 30 days of receiving this Privacy Notice. Once we have received your opt-out form Nationwide Mortgage will cease sharing your information with Affiliates and with third parties within a reasonable processing time.

Information Sharing Permitted or Required by Law
Nationwide Mortgage Loans may disclose personally identifiable information about you when we have a good-faith belief that that such action is necessary to comply with an appropriate law enforcement investigation, ongoing judicial proceeding, a court order, or legal process served on Nationwide Mortgage Loans or its web site.

Former Customers
Former Nationwide Mortgage Loans customers will be provided the same protections and security regarding their personally identifiable information as is provided to current clients.

Changes to this Policy. We may add to, delete from, or otherwise change the terms of this Online Privacy Policy from time to time by posting a notice of the change (or an amended Online Privacy Policy) at this website. If required by law, we will send you a notice of the change. Your continued use of our web site or any on-line service following notification will constitute your agreement to the revised Policy.

Questions. If you have any questions or concerns about the integrity of your account information, or any other aspect of our business operations, please do not hesitate to write to:

Nationwide Mortgage Loans

Attention: Compliance Officer

515 Encinitas BLVD. Encinitas CA 92024