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Rates & Fees

Comparing closing costs isn't as easy as it sounds. Lenders and brokers charge all kinds of fees giving them a wide variety of names. One might say that it doesn't charge an "application fee", but it makes that up by charging a "commitment" fee or "doc prep" fee at closing. Don't rely on what your being told before see your Good Faith Estimate faxed or mailed! And don't accept a lender's "that's just the way it is" answer when asking why your good faith estimate shows $5,000 in assorted fees for a $100,000 mortgage.

An estimate of the final loan figures can be found on the Good Faith Estimate, or GFE, a three-page government-mandated form brokers and lenders are required to give prospective borrowers within three days of a loan application. A standard GFE form can be found at hud.gov web site. Here you can find a short explanation on what to expect when getting your home loan Good Faith Estimate.

Good Faith Estimate Page One

The first page of the Good Faith Estimate is a summary of your mortgage terms. It lists your name and property address; one available mortgage rate-and-fee combination; and your bottom-line settlement charges among other items.

The Good Faith Estimate includes a section which explains the duration for which the GFE is valid. For loans with rate locks periods, the GFE will indicate the number of days for which the rate lock is valid. Other items included in the summary section include loan size, term, loan's initial interest rate, and monthly principal + interest obligation at the start of the loan.

Another GFE section lists whether an escrow account is required in your mortgage, and whether you're required to escrow in order to get access to the mortgage rate provided. Some mortgage programs, including FHA loans and conventional loans over 80% loan-to-value, require escrow accounts for a mortgage to be approved.

The last section on the first page of GFE describes your bottom-line due at closing. It may vary from the actual amount of cash you are required to bring to closing.

Good Faith Estimate Page Two

The second page of the Good Faith Estimate is a summary of your closing costs and funds required for you to deposit on escrow. It includes:

  • Our origination charge - a sum of all lender-charged fees.
  • Loan's accompanying discount points - charged to reduce the interest rate on your mortgage.
  • Other settlement services charges - a listing of non-bank-related charges you should expect to pay in conjunction with your mortgage. Split over 9 separate categories, these fees and charges are estimates but lenders are required by law to be "within range" of the final settlement fees to promote fair comparison. The fees listed in the "Other Settlement Services" include appraisal fees as well as flood certification fees for homeowners in flood plains. There may be fees that are charged by state and local governments, such as - recording charges for your mortgage, transfer stamps etc.
  • Lastly, the 2nd page of the GFE shows the amount of prepaid mortgage interest due at closing, as well as whatever real estate tax and homeowners insurance premiums are due. Collectively, these charges are known as Prepaid Items. They are NOT mortgage closing costs despite their inclusion in your settlement charges.

Good Faith Estimate Page Three

The 3rd page of the Good Faith Estimate explains what Page 1 and Page 2 say, and provides instruction for comparing loans between multiple mortgage lenders. It also includes a listing of mortgage-related fees, sorted by whether they're allowed to change.

Get A Free Good Faith Estimate

Mortgage rates vary between lenders, and so do the fees that they charge at settlement. It's always wise to "shop around" - a better deal may be available to you. It could be lower rates or lower fees, or both. Based on the information you submit, VAloan.US.com searches its database of lenders to match you with the lender and loan that is best suited to your needs. Compare offers and know your estimate rate and closing costs in 24 hours. Online pre-qualification is free and there's no obligations. Submitting your inquiry for a loan at VAloan.US.com incurs absolutely no cost. Start Here!

About Us

All you need to do is fill out a simple form and we will use our software and a database of over 500 lenders and brokers to locate the perfect professional to meet your exact needs and get you the lowest rate. VAloan.US.com is a Loan Savings Solution web site. At Loan Savings Solutions we use technology and the Internet to save you money and save you time. This service is absolutely free and you are under no obligation to accept any of the quotes or services provided by participating lenders and agents.

Thank you for visiting our web site and we look forward to providing you with the best service possible.

To contact us via mail:

Global Data Mining LLC,
DBA Loan Savings Solutions
16192 Coastal Highway Lewes, DE 19958

If you have any questions or concerns please contact our Customer Care Department using email or call: 855-35-QUOTE

Privacy & Security Policy

Your Privacy is Important to Us.

Your privacy is our chief concern. We understand that you entrust us with your private information to help us match you with a lender, partner, or credit counselor to meet your needs. In exchange for your trust, you expect and deserve our commitment to treat your information with respect. Rest assured that we protect your privacy. Under no circumstances will we sell or share any personal information about you to or with any person or organization except: as authorized by you, our participating lenders, partners, service providers, depending on the application you fill out. The Privacy Policy below describes the standards we adhere to in handling information about you and your loan request. We want you to be aware of:

  • Who we are
  • Information we may collect
  • How your information is used
  • Altering the information you submit
  • How our Privacy Policy is monitored

Who we are

This is web site of Global Data Mining LLC, DBA Loan Savings Solutions, with headquarter in Lewes., DE, and the leading online marketplace that helps you locate a lender, insurance agent or credit counselor. There are more than 500 participating lenders and service providers in our network.

Information we collect

There are several areas on a the web site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating lenders, partners, service providers, or as may be required by law or court order.

Information we receive from you on qualification forms: When you come to this website to complete a qualification form you'll need to provide personal and financial information such as your name, phone number, e-mail address, income and other financial information depending upon whether your requesting help with a short term loan, credit counseling, credit report or debt consolidation. We do not collect any personal data you may input into to any calculators on our site without submitting it in qualification forms.

Information we receive from your browser: We do not collect information on an individual consumer’s online activities over time and across third-party websites and online services. Third parties such as operators of search engines, social networking web sites may collect personal information about this website visitors online activities over time and across different websites when a consumer uses this website.

How your information is used

We use the information you provide on your qualification form to match you with up to a participating lender, debt specialist, or credit counselor. At your direction (when you click on the contact form "Submit" button), the information that you provide to us on the qualification form will be sent through the matching system and presented to not more than to five of our participating lenders, credit councilors, debt specialists, who offer the types of products (short term loan, debt consolidation loan, etc.) you have identified. We recommend that you contact them directly for more information about their specific privacy policies.

Underage users

We will never knowingly collect any information from anyone who is younger than age 18.

With whom do we share your information

a. Lenders and Loan Brokers. In submitting a request for a loan product or service offered through this website, when you click “Submit” or otherwise signify your agreement to proceed you are consenting to the disclosure of your online request with lenders and brokers in our network (“Lenders”) with whom you are or may be matched. Please note that no credit check will be performed by us and no credit check will be performed by Lenders unless you authorize Lenders to do so by submitting a completed loan request. Be aware that the Lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from ours.

b. Referrals for your Non-Loan Business. When you express interest in other products, services, promotions that we offer (by, for example, completing a request for such services), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, “Service Providers”). When you choose to participate in a particular offer or program, you authorize us to provide your personal information to those Service Providers. Be aware the Service Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.

c. We also may disclose your information at our sole discretion: In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us. When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our websites' terms and conditions or other agreements or policies. In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.

d. Email Subscriptions/Unsubscribe. When you "submit" information through our website, Global Data Mining LLC may send your information to its affiliates as provided in the Terms of Use. You have the right to request that we stop sending you emails or any other form of communication through our opt-out process. You have a right to remove your information from our database in its entirety, as well. To do so, please proceed to unsubscribe and give us 10 business days to process this request. You may opt out of text messages by replying to any message you receive with the word ‘STOP’, ‘END’ or ‘QUIT’.

Altering information you submit through the web site

You have the ability to change or alter your information before you press the submit button. Once your information is submitted it will be provided to the participating lender, debt specialist, or service provider depending on the form you filled out. You may change your preferencies through this page or contact Lenders and Service Providers you work with directly to issue any changes to your information.

Disclosure of information to affiliates

When you submit your information on an application through this website you are providing consent to be contacted by third parties and affiliates who can provide you with the requested services. Information you provide, including information you submit on your application, will be submitted to banks, lenders and brokers in order to inform you of products and services in which you have expressed an interest. An affiliate is a third-party company who has a legal contract with us.

Do-Not-Call registry compliance

When you submit your personal information through this website, you are providing your express consent to be contacted via email, telephone, SMS, postal mail or text message.

Links

This website may provide links to external sites, and our Privacy Policy does not cover these websites. Should you choose to leave this website via a link you find on our site, you should be sure to read the Privacy Policies associated with these websites thoroughly.

Security

Our web sites have security measures in place to protect the loss, misuse and alteration of the information under our control. If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change. In that case, your ability to opt out of the new policy will be determined by applicable laws and we will include that information in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you. If you have any questions about this please email, mail us or call Customer Care: 1 855-35-QUOTE

Privacy policy changes

From time to time, we may make changes to this Privacy Policy. In any changes are made to the way that we use your personal information, you will receive an email communication from us, even if you have opted out of marketing communications. You should continue to review this Policy periodically to ensure that you are up-to-date and knowledgeable about any changes that are taking place.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Disclaimer

IMPORTANT NOTICE: VAloan.US.com is not a government agency, is not affiliated with or approved by U.S. Department of Agriculture (USDA), US Department of Veterans Affairs (VA), United States Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA) in any way, is not associated with the government, and is not approved by the government or your lender. VAloan.US.com is a publisher of mortgage information and is not a lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. Even if you accept mortgage assistance relief service offer and use attorney service, your lender may not agree to change your loan. 16 CFR 322.4(a)(1)

To apply for a home loan, you should first fill out our online form. There is no cost to submit a request, get matched with lenders or and receive loan quotes. You may review the home loan offer and negotiate with the lender(s) at no cost. Until you agree to receive a home loan, you may shop at no cost. Each lender is different and VAloan.US.com has no control over the rates and fees each lender charges. Carefully review the terms associated with each offer before accepting or declining. Before you agree to a lender’s offer, we recommend that you fully understand all of the terms associated with the mortgage loan.

Once you have located a lender and agreed with the terms they presented, lender will be required to provide you with Good Faith Estimate. You are not under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion.

VAloan.US.com is not a lender in any transaction. All credit decisions, including loan approval and the conditional services, rates and terms you are offered, are the responsibility of the participating lenders will vary based upon your loan request and determined by the lenders with whom you are dealing with. Not all consumers will qualify for the home loan, rates and terms. You may not be connected with the lender that provides you with the loan you are looking for, and we does not guarantee that any lender will make you a conditional loan offer. We also cannot influence the amount of funds you may receive from the lenders within our network. It is not our policy to perform credit checks on any of our customers. We do not act as agents or representatives for any of our lenders.

VAloan.US.com is not responsible for making any decisions regarding loans and credits. The information on our website is nothing more than an advertising. The procedure of loan application is being held in order to archive the best cooperating match between the borrower and the lender and it is based on the applicant’s information. It should be mentioned, that provided data will be available to third parties. Every application is introduced to many lenders in order to increase the chance of success. Filling in this application must not insure you in any approval of services. VAloan.US.com cannot be held accountable for any lender's charges or terms, VAloan.US.com is in no way responsible for any agreement between you and a lender.

Any of the information that you read on this website may be changed at any time without any prior notice.

Any transactions or communications that transpire between you and VAloan.US.com are considered to have occurred in the state of Delaware and are always subject to Delaware laws, regardless of where you live or where you were located at the time of the application or approval.

Accessing this web site, you acknowledge that you have read and agree to abide by the Terms of Use and consent by electronic signature to share your information with this web site and its network of financial & legal service providers, to be contacted by a live mortgage agent, artificial or prerecorded voice, and SMS text at residential or cellular number (dialed manually or by autodialed) and by email. Calls may be recorded for quality assurance. You agree that you may be contacted by telephone or email (including the use of automated technologies) even if your number(s) is listed on any Do Not Call List (Federal, State, Corporate or Otherwise).

Advertising Disclosures

If you are unable to locate a specific disclosure below, please contact Customer Care at 1-888-996-2030 to get the disclosure. Be sure to remember the advertisement you saw and where you found it.

Disclosure: Advertised Terms and Information

The information and disclosures below relate to advertised terms made by or through the VAloan.US.com.

VAloan.US.com is not a lender or mortgage broker in any transaction. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and brokers and will vary based upon your loan request and determined by the lenders or brokers to whom you are matched. Not all consumers will qualify for the advertised rates and terms. You may not be matched with the lender or broker, and we does not guarantee that any lender will make you a conditional loan offer. VAloan.US.com arranges for multiple conditional loan offers through our network of nonaffiliated lenders and brokers. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.

FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.

Disclosure: Free VAloan.US.com Services

What portion of VAloan.US.com services in connection with my loan request is free? There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers. You may review the conditional loan offers and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process a loan request, but until you agree to pay the lender a fee, you may shop at no cost.

How does VAloan.US.com get paid?

VAloan.US.com does not charge you, the consumer, a fee for its services. Who pays our bills? The lender or mortgage broker. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

Marketing partners

By providing a phone number, you are agreeing that VAloan.US.com, its network of lenders and/or partners may contact you at this number, or another number that you later provide regarding financial services or credit related offers. You also agree to receive calls from live agents, artificial or prerecorded voice, and SMS text at your residential or cellular number, dialed manually or by autodialer, and by email.

Our Marketing Partners

abacusequity.com
Acceptance Capital Mortgage Corporation
acquiredconsumercredit.com
Advisors Mortgage Group
ALGOFLAW.COM
Allstate Funding
American Dream Mortgage
American Liberty Mortgage
American Mortgage Bank
American Nationwide Mortgage Company
American Residential Lending
Angle Financial Services
artisanhomemortgage.com
Aviante Mortgage Services
backbayfunding.com
banchomeloans.com
BancOhio Financial
Barnes Consulting Firm
basmadjianandjackson.com
Best Texas Loan
BestCreditRepairUSA.com
bloomfieldfinancialservices.com
BMTCONSULTING.BIZ
BNC NATIONAL BANK
BUCKEYE HOME LENDING, LLC
C2 Financial Corporation
calimtg.com
Capital Home Mortgage
Carson Professional Services
casagranre.com
centralfloridacreditrepair.com
Choice Mortgage Bank
Citywide Home Loans
CMS Credit Repair LLC dba Cure My Score
Community First National Bank
communitycreditcorporation.com
communitylendinghgf.com
completecreditplus.com
Consumer Credit Alliance
Consumer's Choice Mortgage, LLC.
Continental Funding Corp.
Cowan Enterprises
Credit.com
Credit Repair Nerds Of San Diego
creditfixr.com
CreditHeroes.com
CreditRepair.com
CREFCO Financial Group, Inc
D.L. Financial Service
directsolucians.com
Drop Mortgage, Inc.
East Coast Capital
ebargaincity.com
eCreditAdvisor
emersonanddouglas.com
emeryhomeloans.com
Empire Financial Services
Empire Home Mortgage Inc.
EMPIREHOMEMORTGAGE.COM
ENG Lending
englending.com
Equitus Mortgage
EQUITY LOANS LLC
ERE Realty
eScore.com
airway Independent Mortgage
Fast Start Financial
Financial Education Services
First Alliance Home Mortgage
FLA. Equity Consultants, Inc.
Flagstar Bank
FLHRG
foreclosureconsultations.com
Forum Mortgage Bncorp
Franklin First Financial
freedommortgagenow.com
FreeScore360.com
freshstartcreditinc.com
Furth Enterprises, LLC
gatewayfunding.com
gecfr.com
Graystone Mortgage
GSF Mortgage Corp
Guild Mortgage
Harlequin Capital Corp
Heartfield Financial
Heartland Credit Restoration
HELP Funding Corp
helpcleanmycredit.com
heritagefinancial.com
holgenportfoliogroup.com
HomeBridge Financial Serivices Inc.
homerefinancemoneytolend.com
Hometown Lenders
hsoahomeloans.com
I City Mortgage
IET Capital
Innovative Mortgage Services
Innovative Mortgage services, Inc.
JADAS Financial Corp.
kensingtonareahomes.com
Krafty Credit Solutions
LeaderOne Financial Corporation
lendersgreen.com
LENDINGDEPOT.COM
Lexington Law
Liberty Credit Experts
Loan Simple, Inc.
loanreadyservice.com
Loansimple.com
Mayfair Management Services LLC
MB FINANCIAL
ML Mortgage Corp
MLD Mortgage
Mortgage Audits And Resolutions, LLC
Mortgage Network Solutions LLC
Mortgage Pro USA
mortgageviking.com
myccmortgage.com
mycreditbuilder.net
National Education Company
Nationalcreditcare.com
Neighborhood Mortgage, Inc
New West Lending
newwestlending.com
NexTier Bank
NRFHOMEFUNDING.COM
Ohio Capital Mortgage
Ovation Credit
PA Capital Mortgage
Pan American Mortgage LLC
Paramount Residential Mortgage
nnyMacUSA.com
Peoples Bank & Trust Company
Perl Mortgage
PHH Mortgage
Primary Residential Mortgage, Inc
Prime Mortgage Lending
Professional Mortgage & Loan Inc
propertyatwholesale.com
reliatloan.com
Residential Home Funding Corp
residentiallender.net
Riverwalk Credit Solution
Sage Bank
Securitas Mortgage
sentrixmortgage.com
sentryrealtymgt.com
Shore Mortgage
Sierra Pacific Home Loans
smartmortgagecentersinc.com
Statewide Mortgage
Sun West Mortgage
swiftcreditsolutions.com
The Maine Real Estate Network
THELENDINGSOURCE.US
theloanadvisorpro.com
Top Flite Financial Inc.
txloanranger.net
United Capital Lenders
United Credit Education Services
United Mortgage Corp
Urban Credit Repair
US Best Credit Solutions, Inc.
US Mortgage Relief LLC
Valdez Debt Consultant
Vandyk Mortgage
Vanguard Funding LLC
Vantage Point Bank
Velocity Financial LLC
VIP Mortgage Inc
Voyage Financial Group
watermarkhomeloans.com
Waterstone Mortgage
WestStar Mortgage, Inc.
wjacreditpros.net

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

TERMS OF USE AGREEMENT

Please read this Terms of Use Agreement ("Agreement") carefully. By accessing this Web site and any pages hereof, you agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions, do not access this Web site.

Global DataMining LLC, DBA Loan Savings Solutions operates this Web site.

SECURITY POLICY

Loan Savings Solutions uses secure technology to protect your data and transmissions between you, Loan Savings Solutions, banks, participating lenders and loan brokers.

Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. Our database is protected by a firewall. Although Loan Savings Solutions has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, Loan Savings Solutions cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

SERVICES

All of the information you have provided in your request is true and complete. You authorize Loan Savings Solutions to provide your information to up to five participants: Lenders, brokers, loan modification specialists, credit counseling specialists. No credit check will be performed on behalf of Loan Savings Solutions. You understand that participants may keep your data, whether or not you are qualified for a loan or other service with them. Loan Savings Solutions is not a lender and does not make loans or credit decisions in connection with loans. Loan Savings Solutions does not endorse or recommend the products of any particular Lender on any of its websites. Loan Savings Solutions is not an agent of either you, the User, or any participant. Loan Savings Solutions's services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. The Lender, credit counsellor, loan modification specialist is solely responsible for its services to you, and you agree that Loan Savings Solutions shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. Loan Savings Solutions and/or participating Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any product in any specific state through this Web site. Loan Savings Solutions does not guarantee acceptance into any particular program or specific loan terms or conditions with any participant; loan approval standards are established and maintained solely by individual Lenders. Likewise, Loan Savings Solutions does not guarantee that the loan terms or rates offered and made available by participants through this Web site are the best terms or lowest rates available in the market. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Loan Savings Solutions does not charge you, the User, a fee to use our service. Loan Savings Solutions is paid a fee by participating Lenders for the goods, facilities and services provided. Your use of this Web site and/or Loan Savings Solutions's services constitutes your agreement with this compensation arrangement.

By hitting the "Submit" button on the contact page, you understand and agree that you are submitting an inquiry as to a lending product with Loan Savings Solutions and each of the participants to whom your request is transmitted. By submitting the request you are extending an express invitation to each of the participants making you offers to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list.

Accessing this web site, you consent by electronic signature to be contacted by a live mortgage agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialed) and by email. Calls may be recorded for quality assurance.

LINKS TO THIRD PARTIES

This Web site may contain links to Web sites maintained by third parties. Such links are provided for your convenience and reference only. Loan Savings Solutions does not operate or control in any respect any information, software, products or services available on such Web sites. Loan Savings Solutions's inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

ERRORS AND DELAYS

Loan Savings Solutions is not responsible for any errors or delays in responding to a qualification form or referral form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

DISPUTE RESOLUTION

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction in State of Delaware. The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto, except in Maine where state law will control all rights and remedies in the arbitration. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved.

PRIVACY POLICY

Please click here to read about our Privacy Policy.

OTHER TERMS

This Agreement constitutes the entire agreement between you and Loan Savings Solutions and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Loan Savings Solutions with respect to this Web site and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of Delaware. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Global Data Mining LLC,
DBA Loan Savings Solutions
16192 Coastal Highway
Lewes, DE 19958

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Security

While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, we understand your concerns with the safety of your personal information. The following is a summary of the measures BestRatesFrom.us undertakes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.

Secure Web Pages and Encryption

BestRatesFrom.us uses well-known and vetted security technologies to protect your data and transmissions between you, BestRatesFrom.us, banks, loan brokers, credit counsellors, loan modification specialists and real estate professionals participating in the Loan Savings Solutions Websites (please see the Terms of Use Agreement for additional information, definitions and terms that govern this Policy). Transmissions between BestRatesFrom.us, banks, lenders, loan brokers and real estate professionals are encrypted using public key cryptography algorithms with a minimum key size of 128 bits.

Those pages on the Websites that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except Loan Savings Solutions. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. This technology requires any modern web browser such as Internet Explorer, Firefox, Safari or Opera. You can verify that your communications with BestRatesFrom.us are secure by checking for the key or lock icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page.

Another important information security measure in place throughout the Websites is the timeout feature. This feature will log you out if there has been no activity within a specified amount of time.

Firewall Protection

Firewalls are special purpose devices that protect and screen-out malicious attempts to access information and networks. Loan Savings Solutions deploys firewalls at several points in its environment, including between you and the web server, the database servers, and Loan Savings Solutions’s internal networks.

16192 Coastal Highway
Lewes, DE 19958

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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