January 10, 2013

Privacy Policy

iMortgage™ 

iMortgage™ Incorporated was founded on principles of trust, integrity and the delivery of outstanding service. Therefore, we are very concerned with the privacy rights of our online visitors and customers and are committed to protecting the information collected about you. iMortgage™, owned and operated by iMortgage™ has taken extensive measures to protect the confidentiality of your personal information and to protect your data from misuse and unauthorized access or disclosure. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we take great measures to protect your information cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, iMortgage™ takes industry standard efforts to safeguard the confidentiality of your information, such as Firewalls and unique User Name and Password protections. We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our representatives.

Information Collected at our Website

Personal Information
If you submit a mortgage application to iMortgage™ you are required to provide certain information necessary to deliver the selected services. In some instances you will only provide personal information such as name, address, e-mail address, phone number and other contact information. In other cases you will be asked to provide the preceding contact information as well as personal financial information including details of current mortgage and property, liabilities, assets, and social insurance number (S.I.N) in order for iMortgage™ to perform the services requested. The more information you share with iMortgage™ the more accurately iMortgage™ will be able to provide you with information and services you have indicated are of interest.

Statistical Information
iMortgage™ automatically collect anonymous statistical information regarding usage of our website. This helps us understand our Customers’ needs better and improve areas of our services that our Customers find valuable. For instance, when you visit www.www.challengeyourbank.com, our website recognizes the type of browser you are using (Netscape or Internet Explorer), the site that linked you to our site, the pages you visit at our site, and similar information. None of this information identifies you personally.

iMortgage™ uses information collected from our mortgage inquiries and applications to generate city and province specific statistics. The information used is an average of all information collected, and never identifies you personally. If you do not wish to have your information included in our averages, please make a note of it on the application, or contact us.

Cookies
Although we believe the use cookies is useful in tracking site usage trends and patterns, as while implementing individual user preferences, iMortgage™ does not use cookies at this time.

Use and Disclosure of Information

Upon receiving your application or inquiry, we may disclose any information we collect, as described above, to iMortgage™ affiliates or service providers to perform a service for us or perform a function on our behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law. Disclosure to iMortgage™ affiliates or service providers will be necessary so that you can receive the best possible RATES, SERVICE and MORTGAGE OPTIONS from the financial services offered by iMortgage™ affiliates or service providers.

Removal of Personal Information

You can request that we purge the entirety of the personal information submitted by you through www.challengeyourbank.com from our database by providing detailed instructions to iMortgage™ Privacy Officer (see below). In such cases iMortgage™ will delete all digitally warehoused information you have submitted. Please note that iMortgage™ cannot purge information from the systems or files of our iMortgage™ Affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.

Terms Of Use

iMortgage™  provides the www.challengeyourbank.com Internet site “as is” to the user without any warranty or condition, express, implied or statutory. iMortgage™ disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Except as may be otherwise expressly provided by written agreement between iMortgage™  and the user, iMortgage™  will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site.

iMortgage™  does not endorse the services or products of advertisers, sponsors, or affinity partners. Product or service information is believed to be correct, but should not be relied on without prior verification. iMortgage™  does not control these sites and as such we do not endorse their products, services or information and are not associated with the operators.

In the event of errors or omissions in any information iMortgage™ sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall iMortgage™  or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature including, without limitation, direct, indirect, consequential, incidental, special and punitive damages which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.

Your Acceptance Of These Terms

By using this site, or by submitting personal information to us, you signify your agreement to iMortgage™ Privacy Policy and Terms of Use. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of the www.challengeyourbank.com site following the posting of changes to these terms will be deemed as your acceptance of those changes.

The foregoing policies are in effect as of January 3rd, 2013. iMortgage™  reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

If you have any further questions or concerns, please contact:

iMortgage™ Incorporated