We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as your use our services.

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure information we collect online. We use SSL (Secure Sockets Layer) technology on our website application forms to transmit all data between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser. We securely maintain the information you provide for a minimum of three years after application to comply with applicable licensing laws.

The Information We Collect

We collect various types of personal information about you during the normal course of offering and providing financial products and services. This includes, but is not limited to:

• Information you provide in order to obtain a loan, including:
  • name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters.
• Communications from you regarding your loan(s), such as a change of employment.
• Information obtained from third parties, including:
  • consumer reporting agencies, credit bureaus, employers, depository institutions, and others that we use to evaluate a loan application
• Information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.

The Way We Use Information

We are the sole owner of the information collected on this site. However, in order to process your loan, we must share some of the information with certain third parties. These third parties include appraisal companies, credit agencies, lenders, mortgage insurance companies, and title and escrow companies. No information will be shared without your prior verbal or written consent. We do not share information with companies for any marketing purposes.

We use contact information (phone number, address, email address) only to reply to your requests. Such addresses are not used for any other purpose and are not shared without outside parties for marketing purposes.

Cookies: Definition and Use

A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. Our site has programs that use cookies to maintain session information to remember who you are as you go from page to page. To protect your privacy, we do not use cookies to store or transmit any personal information about you on the Internet.

This site contains links to other sites. We are not responsible for the privacy practices or the content of such websites.

If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, please contact us at webmaster@americanmutualloans.com

Updating or Deleting Your Information

You may update or delete your information at any time prior to submitting your completed loan application. Once your loan form is completed, you will not be able to change any of the information online. You may contact us via email (webmaster@americanmutualloans.com), phone (573-443-6002), or postal mail (Website Marketing Department, 3610 Buttonwood Dr., Ste. 300, Columbia, MO 65201) to request that we update or delete your information.

Demographic and Profile Data

We collect some information pertaining to visitors' site activities, which we use in the maintence and upkeep of our website. This information remains anonymous and confidential. The data in our log files are not linked to personally-identifiable information.

Policy Changes

The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes as required by applicable law.

Last updated December 12, 2007.