COLLATERAL RISK SOLUTIONS, INC. PRIVACY AND NONDISCLOSURE POLICY

Privacy Statement

• Collateral Risk Solutions, Inc. is very sensitive to privacy issues on the Internet. We believe it is important you know how we treat the information you may provide to us.

• Unless prominently and specifically stated otherwise, the information you provide is never shared with anyone other than Collateral Risk Solutions, Inc. employees.

• This privacy statement applies only to information collected by web addresses in the colrisk.com and collateralrisksolutions.com domains, hereafter referred to collectively as CRS.

How We Gather Information

• If you purchase a product or service from us, we request certain personally identifiable information from you on our order form. You may need to provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date). We use this information for billing purposes and to fill your orders. If we have trouble processing an order, we will use this information to contact you.

Log Files

• As is true of most Web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, referring/exit pages, operating system, date/time stamp, and click stream data.

• We use this information, which does not identify individual users, to analyze trends, to administer the site, to track user’s movements around the site and to gather demographic information about our user base as a whole.

• A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We do use cookies on this site. CRS may use both session ID cookies and/or persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.

• If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited.

How We Protect Your Personal Information

• CRS safeguards the security of the data you send us with physical, electronic, and managerial procedures. Likewise, we urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters, numbers and symbols, and make sure you use a secure browser.

• The CRS website uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. When entering personal information, we strongly recommend an SSL-enabled web browser. Web browsers developed after Internet Explorer 3 and Netscape 3 use SSL version 3. (For the best experience at the CRS web site, recommend using Netscape 6, IE 5, or better browsers.) This protects the confidentiality of your personal and credit card information while it is transmitted over the Internet. On some areas of the CRS web site, users do have the option to use a non-SSL connection. We do this for compatibility for older browsers.

• When you enter credit card information on the CRS web site, we do not store credit card numbers on our servers. Credit card numbers are submitted to a credit card authorization service. This service provides CRS with credit card validation information only. We do not have access to your personal financial data.

Access to Your Personal Information

• You always have access to the information we have about you. You may request your personal information or have this information changed at any time.

Links to Other Sites

• The CRS web site contains links to other sites that are not owned or controlled by CRS. Please be aware that CRS is not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every web site that collects personally identifiable information.

Information Obtained From Third Parties

• CRS does not sell or trade or otherwise transfer to outside parties your personally identifiable information.

California Online Privacy Protection Act Compliance

• Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

• As part of the California Online Privacy Protection Act, all users of our site may make changes to their information by logging in.

Children’s Online Privacy Protection Act Compliance

• CRS is in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), CRS does not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Changes to This Privacy Statement

• If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

• We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, or by means of a notice on our home page.

• If you have any questions or suggestions regarding our privacy policy, please contact us through our contact page.