The Syosset Plaza, 601B Jericho Tpke, Syosset NY 11791   Tel- 516.921.9000 Fax- 516.750.1200

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North Shore Funding Partners, LLC

Here is a description of the information we collect and how it is used:

Tools, Applications and Registration. We provide a number of ways for you to explore your options for loans, mortgages and financing so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors, such as the online interviews, without providing us your identity. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.

However, if you want to exercise one or more of the financial options presented, we will ask you to supply other identifying and supporting information needed to process your application. By applying, you forward information such as loan interviews and applications for later review and update. We use your contact information to provide you with alerts and updates regarding your loan status, which is part of the North Shore Funding service. North Shore Funding does not share your information with outside companies for their promotional use. We may, however, use it to send you communications and special offers on other products or services offered by North Shore Funding or our partners. If you do not want to receive this information you may opt-out during registration, within any future communications or by sending an e-mail to optout@northshorefunding.com

We may also supply the information you provide, on a confidential basis, to service providers, such as credit reporting services, who assist us in qualifying, processing, closing and servicing your loan transaction.


Credit Report. By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.


Newsletters. We provide you the opportunity to subscribe to e-mail newsletters and other e-mail communications. You may unsubscribe by following the instructions provided in each e-mail newsletter.


Interactive Help (Chat / PC to Phone). You may initiate an online interactive discussion or PC to Phone communication with a North Shore Funding support professional to facilitate the completion of your loan application. We do not ask for any personally identifiable information to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request. We maintain the right to maintain transcripts of chat sessions. Remember that Interactive Chat is not a secure session and is not intended for the transfer of sensitive information.

More on our general information practices.

Contests, Sweepstakes, and Surveys. From time to time, we may offer you the option to participate in contests, sweepstakes, or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, contact you regarding home financing or award prizes. Our contests or sweepstakes may have separate rules and we will identify how the information that you supply will be used in each case.

Mandatory and Optional Information. We identify what information is required to fulfill your request. If you choose not to provide mandatory information, we will not be able to provide you the service you are requesting.

E-mail Message Formatting. When sending you e-mail we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer's capabilities, and (2) determine whether you've opened an HTML e-mail. When you click on a link within an e-mail message, you may first pass through our server, then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our e-mail messages and to determine which links are most useful to our customer base.

Within North Shore Funding, we may exchange customer information with each other to fulfill your requests or to provide you with information about other products or services, if you have chosen to receive such communications.

North Shore Funding Partners and Co-branded or Third-Party Sites. Some of the products or services offered on this Web site are provided by North Shore Funding's business partners. To fulfill your request for such services, we will forward your customer information to a partner, as necessary. When offering partner services on a North Shore Funding or co-branded site, the partner who will receive your information will be clearly identified. Our co-branded sites are clearly identified by both a North Shore Funding and a partner's logo. The North Shore Funding site may provide links to third-party Web sites, such as those of our business partners and online advertisers. On these sites either North Shore Funding or it's partners may collect information about you. North Shore Funding is not responsible for the actions of these third parties. We encourage you to review their privacy policies to learn more about what, why and how they collect and use personally identifiable information.

Service Providers. In some cases, we will employ or use service providers such as consultants, temporary workers, third party software developers, or outsourcers, to complete a business process or provide a service on our behalf. For example, we may use service providers to deliver products, or to send e-mails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.

Service Alerts and Critical Notices. Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify information you provided to us, or to notify you of upcoming subscription expiration dates.

Change of Control. Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange, assignment or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of North Shore Funding Partners, LLC. You will have the opportunity to opt out of further secondary use of your information following any change of control.

Changes to Our Privacy Policy. If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to the North Shore Funding web site 30 days before they take effect.

Legal Disclosures. In some cases we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.

WE TELL YOU HOW AND WHY WE USE WEB TECHNOLOGIES.

Here is how and why we use some common Web technologies to help manage our Web sites:
Cookies. A "cookie" is a small piece of information that our Web site may provide to your browser while you are at our sites. The North Shore Funding wWeb site supplies your browser with cookies that contain a unique identifier used to better understand Web site usage in the aggregate and on an individual level so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes.

When periodic surveys are presented to web site visitors, cookies are used to prevent issuing multiple invitations to the same individual.

If you are a registered member on the North Shore Funding web site, you will receive a cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our Web site that are limited to registered members, such as those that allow you to view and manage your personal profile.

Additionally, North Shore Funding service providers that serve ads on affiliate and/or advertiser Web sites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of North Shore Funding advertising on other Web sites and your involvement with North Shore Funding. For example, as part of the North Shore Funding affiliate programs, our service providers use cookies and web beacons to determine when affiliate program members have referred a customer to North Shore Funding via a link on their Web site. The North Shore Funding web site also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer's personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information.

If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the Web site and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won't be able to participate in certain areas of the Web site. Most browsers are defaulted to accept and maintain cookies.

Advertising networks that serve ads on this Web site may assign different cookies to you. Those cookies may be used to track your involvement with the advertising on our site.

You may choose not to accept cookies from third party ad servers. We encourage you to review their privacy policies to learn more about what, why and how they collect and use private information. If you have questions about our ad serving networks, please contact us at support@northshorefunding.com.

Web Site Usage Data. Our Web site tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand Web site activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized Web site experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an e-mail to optout@northshorefunding.com. We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.


WE GIVE YOU CHOICES ABOUT HOW THE PERSONALLY IDENTIFIABLE INFORMATION THAT YOU PROVIDE TO US MAY BE USED.

We give you the opportunity to control the use of your personal information for purposes other than to fulfill your request or as is required to process, close and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about North Shore Funding's products and services or those of our partners. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call us at (516) 921-9000 or send an e-mail to admin@northshorefunding.com.


WE PROVIDE YOU THE OPPORTUNITY TO UPDATE OR CORRECT YOUR PERSONALLY IDENTIFIABLE INFORMATION.

We provide you the opportunity to update or correct the contact and loan application information that you have provided to us. You may review and update information in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting directly at (516) 921-9000 or e-mailing us at support@northshorefunding.com.

WE WORK TO PROTECT PERSONALLY IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, OR UNAUTHORIZED ALTERATION.

We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data sent to North Shore Funding is protected with technology that enables encryption of your data. We use:

Secure Socket Layer (SSL) The North Shore Funding Web server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users. It is not the highest level available. United States and Canadian citizens can download free 128-bit browsers from Netscape or Microsoft.)

We work to protect personally identifiable information stored on the site's servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. We use both internal and external resources to review the adequacy of our security measures on a regular basis.


WE PROVIDE VARIOUS WAYS FOR YOU TO CONTACT US ABOUT OUR INFORMATION PRACTICES AND OTHER ASPECTS OF PRIVACY.

Questions regarding the North Shore Funding Web site's privacy statement, our online privacy policy, our information practices or other aspects of privacy on our Web sites, should be directed to us by e-mail to privacy@northshorefunding.comor by writing to us at North Shore Funding Partners, LLC; Attn: Customer Service, 601 Jericho Tpk. Suite B, The Syosset Plaza, Syosset, NY 11791 You may call our corporate offices at (516) 921-9000.

If we have not responded to your inquiry, or if your inquiry has not been satisfactorily addressed, please contact corporate@northshorefunding.com.

Last Updated: 06/10/03