Reverse Mortgage Edu requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

Copyright in the images, text, screens, and web pages appearing at the Site is owned by Reverse Mortgage Edu or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of Reverse Mortgage Edu.

We will use our best efforts to include accurate and up-to-date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect a user's computer equipment.

You agree that your use of this Site shall be governed by applicable Federal and Delaware law. In any action to enforce or arising out of use of the Site, each of the parties hereto consents to the jurisdiction of and venue in the state and federal courts of Delaware, for the adjudication of all matters relating hereto or arising hereunder.

BY USING THIS SITE, YOU AGREE THAT CERTAIN INFORMATION WILL BE SHARED WITH OUR PARTNERS. PLEASE REFER TO OUR PRIVACY POLICY FOR DETAILS.

At Reverse Mortgage Edu we value the trust you have placed in us, and we are committed to earning and maintaining your confidence. We understand there is certain information you do not want to share with everyone, and, we share your concern about safeguarding the information you provide to us. This is why we have adopted this privacy policy. For convenience, this company is referred to as "Reverse Mortgage Edu," "I," "we," "us," "our," or "ours." The words "you," "your," or "yours" refer to each individual who is one of our visitors or former visitors and other individuals who obtain or request a financial product or service from us.

Information Collection
This Privacy Policy describes the kinds of information we collect, how we use that information and the limited circumstances under which we will share it. We collect information about you that we believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products, services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in quote forms and (2) information about your transactions with us, our affiliates or others.

Maintenance of Accurate Information
We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us at 1-800-854-8673. If the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Visitor Information
Access to our systems containing nonpublic personal information is only provided to those employees and agents whom we determine need it for the purpose of providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information Sharing Within Our Partnered Companies

There are times when we will share a portion of your nonpublic personal information with our partner companies that either currently exist or may exist in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. A "partnered company" is any company with whom we have established a contractual relationship to either give or receive services pertaining to financial services.

Partnered companies may be any of the following:

Financial services providers, such as consumer lending and mortgage banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies, and appraisal firms; and

Others, such as non-profit organizations.

We may disclose all of the information we collect (described in "Information Collection," above) to our affiliates. The types of information we may share with our affiliates include (i) identifying information, such as your name, address and social security number (we call this "Identifying Information"), (ii) information about our experiences and transactions with you (we call this "Experience Information"), and (iii) information about you or the products or services you obtain from us other than Identifying Information or Experience Information, such as information we receive from your applications and information from consumer reporting agencies (we call this "Other Information") as defined in our Privacy Policy in the section entitled 'Information Sharing Within Our Partnered Companies'.

Information Sharing with Non-Partner Third Parties
Unlike some other financial institutions, we do not sell visitor lists or other information about our visitors to non-partner third parties. We may share nonpublic personal information about you with non-partner third parties as described below. We may also disclose nonpublic personal information about you as permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our visitors to such parties. In addition, we may engage in joint marketing with non-partner financial institutions for various financial products and services (such as credit life and disability insurance) that we do not offer on our own, but we think will be of interest to our visitors. We may disclose all of the information we collect (described in "Information Collection" above) to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service. You will be given the choice of restricting our sharing of certain information with affiliates by following the instructions noted below.

IMPORTANT PRIVACY CHOICES
We honor your privacy choices. You have the right to control whether we share some of your personal information. You also have the right to control how that information is used. Please read the following information carefully.

Your Rights
You have the following rights to restrict the sharing of personal and financial information with our partners and outside companies that we do business with. You also have the right to limit our partners from marketing their products and services to you based on information that we share with them. Nothing prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service. This includes sending you information about some other products or services.

Your Choices
Restrict Information Sharing With Partner Companies: Unless you say "No," we may share personal and financial information about you with our partnered companies. If you are a California resident, your choice will apply to all information. If you are not a California resident, your choice will apply only to Other Information. For all visitors, your choice will limit our partners from using any of your personal or financial information to market their products or services to you.

NO, please do not share personal and financial information with your partnered companies. Also, I do not want your affiliates to market their products or services to me based on information that you share with them.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say "No," we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you. Only California residents may make this choice. A choice by someone else will have no effect.

NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

If you have already conveyed your privacy choices, you need not submit them again.

You may make your privacy choice(s) at any time. Your choice(s) will remain unless you state otherwise. But, if we do not hear from you we may share some of your information with partnered companies and other companies with whom we have contracts to provide products and services, and our partners may use information that we share to market products or services to you.

We will need the following from you:
Name: _______________________________________________
Full Address: _______________________________________
Phone Number: _______________________________________
Email Address: ______________________________________
Signature: __________________________________________
Note: Your signature alone does not mean you exercised your choices. You must check the appropriate box(es) above.