Unique Mortgage Consultants wants you to know that we are as concerned as you are about the privacy of any information that you may provide to us.  We make every attempt to ensure that all of our business practices that involve the use of your information are compliant with privacy regulations in Illinois and in the United States of America.

• We limit employee access to nonpublic personal information to those who need to know this information in order to serve customer relationships. Employees are educated about the importance of privacy in accordance with our code of conduct.

• We maintain physical, electronic and procedural safeguards that comply with all applicable regulatory standards to guard your nonpublic personal information.

• We strive to maintain complete, current and accurate information about you and your pending loan.

• We collect customer information so we are able to offer you products and enhance the service we provide to you.

We collect and maintain nonpublic personal information in order to:

• Service your loan and process your requests efficiently and accurately.

• Identify you and protect your accounts from unauthorized access or identity theft.

• Inform you of financial services and choices that can meet your needs now and in the future.

This information may be collected from a variety of sources, including:

• Information we receive from you on applications or other loan forms, such as your name, address, and financial information.

• Information we receive from outside companies, such as a credit reporting agency or real estate appraiser.

We may share information with nonaffiliated third parties who are acting on our behalf.

We may disclose all the information we collect, as described above. Information is shared with nonaffiliated third parties only when those parties are acting on our behalf, or as required or permitted by law. These third parties may include:

• Service providers who provide support services to help us administer your financial relationship. They may include check printers, data processing companies, companies that prepare account statements, or companies that help us market our products to you. These companies are legally obligated to maintain the confidentiality of the information we provide to them, and are restricted from using this information for any reason beyond the performance of specified services on our behalf.

• Companies who work with us under joint marketing agreements to provide you with financial services that we do not offer ourselves but we believe may be of interest to you. In such cases, we may share information we collect, as described above, but only as necessary to offer these services to you. These companies are legally obligated to maintain the confidentiality of the information we provide to them, and are restricted from using this information for any reason other than what is specified in the agreement.

• Other parties as permitted or required by applicable law. These may include, for example, government agencies in response to subpoenas and other legal processes, consumer reporting agencies, or those with whom you have authorized us to share information.

Browsing the Web Site

When using our site, you can obtain information, access online products and services, apply online for loans, use loan calculators, communicate with us or link to other Web sites with which we do business.

You remain anonymous while using our Web site unless you submit your personal information. You provide this information by submitting an online inquiry or opening an account with us by submitting a loan application online. If you would like to learn more about how we protect your personal information, please refer to our "Corporate Privacy Policy" above.

Linking to other Sites

Our policy does not govern Web sites of other parties to which we may provide links. If you choose to link to Web sites not controlled by us, we recommend that you review the privacy and security policies of these companies.

Cookies

We will occasionally use a 'cookie'. A cookie is a small file that a Web site stores on your computer.

We use cookies for a number of administrative purposes; for example, to gather data about the usage of our Web site, to store your preferences for certain kinds of information, or to store a password so that you do not have to input it every time you visit our site.

A cookie itself does not contain personally identifiable information about you. It simply allows the Web server to recognize you during your next visit to our site. Cookies are commonly used on Web sites and do not harm your computer. A cookie set by one Web site cannot be read by another Web site. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. If you choose to reject cookies, you can still use all of the features within our Web sites.

Web Site Usage Data

We may track certain non-personally identifiable information about the use of our Web site, such as the source address of a page request, your IP address or domain name, the date and time of the page request, and other parameters in the URL. We use this data to better understand use of our Web site and user preferences. This information is stored in log files and is used for aggregated and statistical reporting. This information is not linked to personally identifiable information gathered elsewhere on the site.

Planning Tools and Calculators

We provide tools such as interactive calculators to help you manage your financial life. The information you provide when using these tools is used only to complete these calculations. We do not collect this information nor link it to any personally identifiable information.

Online Forms and Applications

If you submit an application or form online, or request an online transaction, we may keep the information you send in an electronic database. We use security measures to protect against the loss, misuse, and the alteration of data used in our systems.

Email

Unless explicitly stated, email is not secure. We recommend that you do not send any confidential information through email. If you send email to us, we may retain the contents of your email message, your email address, and our response.

Children's Information

We do not knowingly collect or solicit information from children under 16 without parental consent