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The following policy applies to BSI Financial Services and discloses how we may collect from you online when you visit homeloans.bsifinancial.com.

We are committed to protecting the privacy and security of our online visitors. When you visit our website to view any pages, read product information, or use any tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software that tracks the activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The information we collect and store is limited to: the name of your Internet Service Provider, the website that referred you to us (if any), the date and time the pages were accessed, and the page or pages you requested. There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us e-mail, you are transmitting the information that appears in the form or the body of the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly. We will not sell or provide any personal information to affiliated and non-affiliated third parties for solicitation purposes but may provide certain information as required by law or as needed for account maintenance.

We carefully select and monitor the outside companies we hire to perform services for us, such as mail vendors who send out our statements. Additionally, personal information provided in updating your online account profile may be communicated to your lender or owner of your loan. We require our vendors to keep customer information safe and secure and do not allow them to use or share the information for any purposes other than they are hired to do.

IMPORTANT INFORMATION ABOUT CREDIT REPORTING: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Security. We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to protect against identity theft.

We aggressively work to protect its operating systems and electronic information by using anti-virus software, anti-spyware software, firewalls, and other defensive measures. Our systems automatically switch to “secure” mode when you are asked to enter personal information on this website (such as your loan number, account number, or social security number). To keep your data safe we use encryption and authentication technology, website design that blocks or limits online display of customer information when not necessary to the transaction, and ID’s and passwords to protect customer information. Before any account information will be displayed on our website, customers are required to log in and authenticate their identity.

Our employees are trained on security procedures and regular audits are performed to verify compliance with them. Also, access to information about you is restricted to authorized employees who must obtain that information for business purposes.

Unsolicited E-Mail. We do not send unsolicited e-mail messages or place pop-up advertisements that request personal borrower or depositor information such as your account number(s) or account password(s), your credit card number(s), or your Social Security number. If you receive an e-mail requesting personal information from someone claiming to be a representative of BSI Financial Services, and you did not originate the message, do not respond. If you see a pop-up advertisement from us that requests personal information, do not click the advertisement. Call us immediately at (800)-327-7861 to report the contact.

Cookies. In addition to the online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site. For example, cookies may be used to help complete or record a transaction or combined with your other data so that we may retain online information for your use in subsequent sessions.

Changes. We may change this privacy statement at any time. Any changes or updates will be effective immediately upon posting to this site. The effective date of this privacy statement, as stated below, indicates the last time this statement was materially changed. Checking the effective date below allows you to determine whether there have been such changes since the last time you reviewed the statement.

Questions. For further direction regarding inquiries concerning this privacy statement, you may contact us by e-mail or telephone as described on the site.