Privacy Statement

Lower-Mortgage.Net and its affiliates, provide mortgage and home loan related services. Lower-Mortgage.net is committed to safeguarding your privacy online and created this Privacy Statement in order to demonstrate our firm commitment to protecting the online privacy of users of our services By using the Services you consent to our gathering, use and disclosure of your information, as described in this Privacy Statement, the Terms of Service and the other documents, agreements and materials incorporated therein (collectively referred to as the "Rules"). This Privacy Statement may change from time to time and Lower-Mortgage.Net and its affiliates will provide notice of changes as described in the Terms of Service. Questions regarding this Statement should be forwarded to contact@lower-mortgage.net. This Privacy Statement pertains to the following:

1. What information does Lower-Mortgage.net gather?.

• Information about you. Lower-Mortgage.Net collects personal information about you including, without limitation, personally identifiable information (such as your name, address, phone number and e-mail address) and financial information (such as your approximate home mortgage balance and monthly payment).

2. How does Lower-Mortgage.net gather information? Lower-Mortgage.net gathers information that you submit on its website form. We do not gather any information beyond what you submit. This site does not contain tracking cookies.

3. How does Lower-Mortgage.net use the gathered information? Lower-Mortgage.Net uses your information to deliver to you information related to lowering your mortgage payment. Lower-Mortgage.Net may provide your information to third parties as described below in Section 4.

4. With whom does Lower-Mortgage.Net share information we gather?

• Lower-Mortgage.net will not disclose your personally identifiable information to any third party, except if you have given us your consent for such disclosure or if the disclosure is described below. Lower-Mortgage.net Services may share your non-personally identifiable information with third parties.

• Lower-Mortgage.Net may share your personally identifiable information real estate agents and mortgage company agents that provide services on behalf of Lower-Mortgage.net. Such parties do not have the right to use your information for any purpose other than to provide the applicable service. Third Party Sites and Co-Branded Services. Lower-Mortgage.net may advertise, promote, reference, recommend or provide links to third party sites, services and products. These third parties may have their own privacy policies, which may not comply with this Privacy Statement. Lower-Mortgage.net IS NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OF SUCH THIRD PARTIES OR ANY OTHER THIRD PARTIES. Lower-Mortgage.net recommends that you review the privacy policies of any such third parties.

5. Use of Cookies; E-mail Pixels. Lower-Mortgage.net does not utilize Web browser called "cookies" to automate certain aspects of our Web site. If you request information on our website we may use an e-mail delivery and marketing company to send you e-mails.

Privacy Notice for Website (California)

This privacy notice explains how Lower-Mortgage.net processes your personal information when you access our website. Lower-Mortgage.net is a website operating in the United States and, as site owner, acts as joint data controller together with the affiliated real estate agents and mortgage broker agents operating as part of the Lower-Mortgage.net group to which your personal information may be shared. Personal information processed--

Through your use of our website, we may collect personal information, including without limitation:

a. Identifiers, including contact information such as your first and last name, email address, username, phone number, and home address, mortgage balance and payment amount information. b. Publicly available information about you collected from third parties, such as from the postal service for property address verification; and c. Internet or other electronic network activity information, including analytical information such as pages and products viewed, ads clicked on, emails from us that you opened, browser, operating system ("OS"), Internet Protocol ("IP") address and device information (please refer to our cookie policy: https://www.Lower-Mortgage.net.com/en-us/cookie_information/ for further details). The terms of this privacy notice apply also to personal information received from third parties, unless we inform you otherwise. Lower-Mortgage.net is not responsible for the dissemination of your personal information by third parties.

Purposes of the processing--

Each category of your personal information may be processed for the following purposes: a. Compliance: to fulfill obligations provided by law and regulations. b. Customer services: to provide you with a response to your questions and requests (e.g., concerning mortgage rate information, broker agent referral and information). c. Marketing: o to send marketing communications (e.g., current news regarding mortgage industry rates, trends, and available financing information);

Protection of personal information

Your personal information will be processed in accordance with the principles of correctness, lawfulness, and transparency. Rest assured that we maintain appropriate security, technical, and organizational measures that ensure a level of security appropriate to the risk of unauthorized access to, and accidental or unlawful destruction, loss, alteration, and unauthorized disclosure of, personal information transmitted, stored, or otherwise processed. We ensure that our third-party service providers (agents/brokers) who access or handle personal information on our behalf maintain the same safeguards. Your personal information will be processed manually or electronically using automated tools that ensure the security and confidentiality of the information. We will process only personal information necessary for the purposes described above. The people authorized to process personal information will immediately delete or make anonymous personal information unnecessary for the above purposes.

Data retention period-- Your personal information will be retained:

• for the purpose of calculate best mortgage values and rates in your area. We will retain your information if we can provide mortgage information services to you. the Lower-Mortgage.net group. At any time, should you make express request that we delete your information from our records we will comply within 10 days.

• for sending communications on current mortgage industry trends, updates and available rates.

Disclosure and sale of personal information-- Each category of personal information described above will be disclosed for business purposes and to the extent necessary for Lower-Mortgage.net to fulfil its obligations under applicable law.

• Personal information may be processed by our employees authorized to process personal information for the purposes described above.

• Lower-Mortgage.net may appoint external data processors to manage customer relationship databases; to send newsletters; to provide call center, credit research, and market research services; to carry out surveys; and to perform other business purposes.

• Personal information may be shared with professionals, law firms, and notaries for auditing and due diligence activities. Such entities or individuals may act as autonomous data controllers or data processors.

Manage processing of your personal information--

Residents of California have the following rights under the California Consumer Privacy Act (CCPA):

• to request disclosure of the categories and specific pieces of your personal information that has been collected;

• to request deletion of your personal information that has been collected (with exceptions);

• to request disclosure of the categories of personal information collected; the categories of sources from which the personal information is collected; the business or commercial purpose for collecting or selling personal information; the categories of third parties with whom the personal information is disclosed; and the specific pieces of personal information collected;

• to request disclosure of the categories of your personal information sold and the categories of third parties to whom your personal information was sold, by category or categories of personal information for each third party to whom your personal information was sold; and the categories of your personal information disclosed for a business purpose;

• to opt out of the sale of your personal information; and

• nondiscrimination should you exercise your rights under the CCPA. To exercise your data privacy rights or to obtain more information, you may contact Lower-Mortgage.net at:

• By email at: contact@Lower-Mortgage.net.com

• By telephone at: 1 (734) 560-9229

• By US mail at: Lower-Mortgage.net (SLC), 156 N Ridge Rd, #B203 Canton, MI 48187



• To opt out of the sale of your personal information, please send an email to: donotsell@lower-mortgage.net, with your physical address, email address and phone number in the body of your email letter. If you have difficulty accessing any material on this privacy notice because of a disability, please contact us in writing or by telephone and we will work with you to make the information available.