We are committed to protecting the privacy of your personal information.

We recognize the privacy and security concerns of visitors to our web site. This Privacy Statement provides our web site visitors with basic information relating to the type of information we collect and its security, how we use the collected information, and its disclosure.

From time to time, we will update this privacy statement to reflect changes in our policies or practices. You will be notified of any significant changes via a message to you from customer service. By using our web site, you consent to the collection and use of information as it is disclosed in this Privacy Statement.

The Collection of Personal Information on Our Site

In order to provide the loan products Financial Freedom offers we will need to obtain certain personal information when you apply for a reverse mortgage. Examples of information that we may ask you to provide include the following:

Name
Date of Birth
Mailing Address
Estimated Home Value
Equity Position
Social Security Number
E-Mail Address

Employment Information

We may ask you for additional information so that we may confirm your identity. This additional personal information may be necessary to prevent fraud and to ensure that only you have access to your personal financial information.

All of this information will be moved to a secure computer by means of a one-way transfer on our proprietary network. Your personal financial information will be safely and securely stored.

Sharing of Personal Information

Financial Freedom takes precautions to secure your personal financial information. When you apply for a loan with Financial Freedom, you expressly authorize us to share your nonpublic personal information with our parent IndyMac Bank. We collect nonpublic personal information about you from your applications, your transactions with us, our affiliates and/or others. We may disclose nonpublic personal information such as your name, address, social security number, assets, income, loan balance, and payment history. This information will only be used when we identify financial services that are beneficial for our customers and to prevent fraud. Customer information, which is shared between Financial Freedom, IndyMac Bank and our other affiliates, is monitored in accordance with our strict security and confidentiality policies. Please be advised that our employees are trained in properly handling confidential information and must adhere to Financial Freedom's security policies. We do not disclose any nonpublic personal information of former customers except as required by law.
In certain circumstances, financial services opportunities with non-affiliated third parties may arise that we find may be of interest and a benefit to our customers. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Also, we may disclose nonpublic personal information to financial service providers such as mortgage bankers, securities broker-dealers, and insurance agents. In these instances, we will advise you when a product is offered by a non-affiliate. Financial Freedom contractually requires all third parties to maintain the confidentiality of any personal information. If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures required or permitted by law). If you wish to opt out of disclosures to non-affiliated third parties, please contact our customer service department at 1-800-736-2883. Please be assured that if you choose not to participate in products and services from non-affiliated companies, Financial Freedom will not disclose information about your account. Please note that no third-party sites are covered by this policy. You should read the privacy policies on any third party sites in order to be fully informed of their privacy and security practices.

Financial Freedom will disclose nonpublic personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency or as otherwise permitted by law. In addition, we may transfer customer information in the event of a change of control or other business transfer involving the assets of the Company or if we believe such disclosure is necessary to protect and defend the rights, property or safety of Financial Freedom, our users or others.

We will not sell or distribute any information about you, such as your name, your account numbers, your transactional history, your social security number, or your residence addresses to a third party in any other circumstances than those listed above.

The Collection of Data

The Use of Anonymous Data

We collect anonymous information when users utilize our web site. The type of information that is gathered includes the date, time of day, which pages are visited and how much time is spent on the web site. We only gather information on our users as a group. Please be advised that we do not gather information about our users individually. The general information we gather enables us to serve our customers better by continually improving our site based on up-to-date use patterns.

The Use of Cookies

Financial Freedom uses "cookies" to collect information about browsing activities on the web site. Please note that cookies do not damage your computer system in any way. Cookies are small pieces of information that are sent from a web site to the hard drive of a visitor's computer during an on-line visit. While cookies can identify a particular computer, they do not identify a particular user. Individual users will always remain anonymous. The use of this technology allows us to track how users navigate through our web site. This knowledge will help us provide better service to our customers.

Promotional Materials That You May Receive

In order to advise you of special offers provided by Financial Freedom, IndyMac Bank or other affiliates, we may send our customers promotional materials concerning financial products and services.

Updating your Personal Information

In order to maintain accurate information about our customers, we ask that you update your personal information when any changes take place. Please notify us if you change your address, telephone number or e-mail address.

Security

Our ability to provide customers with secure financial services through our web site is of paramount importance. Financial Freedom will continually evaluate the Internet systems, services and software used in its operations to ensure that they meet the highest standards of security.

Financial Freedom uses Secure Sockets Layer ("SSL") using 128-bit encryption for secure data transmission from the customer's browser to our secure web server. Every request from the customer's web browser is protected by the SSL-channel as it travels across the Internet. SSL ensures the confidentiality and integrity of the data when it arrives at the Web server. In addition, an online user authentication process protects our customers. Our security measures protect against fraud, loss and the mishandling of customer information under our control.

We restrict access to nonpublic personal information about you to only those authorized employees who need to know that information to provide products or services to our customers. All of our employees sign non-disclosure agreements and must adhere to our strict security and confidentiality policies.

Our security practices are reviewed frequently for compliance with IndyMac Bank's policies and procedures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. As our goal is to safeguard your personal and financial information, we will continually invest in security measures to ensure that protection.

Contacting Us

If you should have any questions about this Privacy Statement, please contact our customer service department at 1-800-736-2883.



	Judy Lochmiller 877-723-4567

Toll Free ( 8 7 7 ) - 7 2 3 - 4 5 6 7

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