PRIVACY STATEMENT

7. PRIVACY.
     7.1. Privacy. Records of your use of the web site is the sole property of PATHFINDER MARKETING SYSTEMS, LLC and is protected by and subject to the U.S. Electronic Communications Privacy Act (18 U.S.C.S. § 2701 et seq.), as amended, or any successor statute. PATHFINDER MARKETING SYSTEMS, LLC reserves the right to use such information for its marketing, licensing and membership endeavors. Your personally identifying information will not be shared with any third party, with the following exceptions:
A. Information that PATHFINDER MARKETING SYSTEMS, LLC in good faith determines is legally required to be revealed by any relevant statute, regulation, ordinance, rule, administrative or court order, decree, or subpoena;
B. Information revealed during the course of PATHFINDER MARKETING SYSTEMS, LLC’s enforcement of the policies and procedures of the web site, the terms of this Agreement, or during the course of any disciplinary actions;
C. Information in a manner expressly permitted by the provisions of this Section;
D. Information that PATHFINDER MARKETING SYSTEMS, LLC in good faith determines must be disclosed to correct what it believes to be false or misleading information or to address activities that PATHFINDER MARKETING SYSTEMS, LLC believes to be manipulative, deceptive or otherwise a violation of law; or
E. Unless you are otherwise notified at the time we collect the data. Note also, your electronic mail address may become public when you participate in web site electronic forums. We may also conform to the standard practice of using “cookies” which, when you sign on to our site, automatically copies a small record file (“cookie”) to your hard disk.
     7.2. Privacy of Minors. Protecting the privacy of children is especially important. PATHFINDER MARKETING SYSTEMS, LLC does not knowingly collect information about children and will delete any such information that it discovers or of which it is made aware.
     7.3. Nonpublic Personal Information. “Nonpublic Personal Information” is the nonpublic information about you that is obtained from you in connection with providing you a financial product or service such as a loan or mortgage. PATHFINDER MARKETING SYSTEMS, LLC and its advertisers may collect nonpublic personal information from the online forms you complete in order to obtain the financial product or service, from information collected as a result of your transactions with PATHFINDER MARKETING SYSTEMS, LLC, our advertisers or others, and from consumer reporting agencies. PATHFINDER MARKETING SYSTEMS, LLC will not disclose any nonpublic personal information about our current or former customers and consumers to anyone, except as permitted or required by law, or as described below. We may disclose all of the information we collect about you to our affiliates who offer related goods and services, and to nonaffiliated third parties that perform services on our behalf, including marketing services, or other financial institutions with whom we have joint marketing agreements. If we collect nonpublic personal information from you to provide third-party financial products and services requested by you, such third-party’s use of your personal information will be subject to their privacy policy as disclosed to you by them. We have procedures in place that limit access to nonpublic personal information to those employees and other individuals who need to know such information to provide products and services to you. We will maintain physical, electronic, and procedural safeguards to protect the confidentiality of your nonpublic personal information as required by law.
     7.4. Other Sites and Their Policies. Other sites that may be accessed through our web site will have their own privacy policies and rules. You must ensure that you agree to these terms when entering their web sites. We cannot be held liable for any information, or exchange of data while on any other web site.