Privacy Policy. About Us and Our Purpose. Your Privacy is Our Mission

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1 Privacy Policy The purpose of this Privacy Policy is to describe and explain how we collect, use and distribute any personal information you provide to us. It also describes the options you have available to you and the choices you can make about how your personal information is used, as well as how you may access and update any information you have provided. Our Privacy Policy sets forth our current practices as they relate to transparency, choice and accountability regarding the collection, use and distribution of your personal information. In our practice, we are also guided by OLA principles to enhance trust among consumers and online merchants or service providers. By adhering to OLA s requirements we can ensure that we always treat consumers with respect and use fair, non-abusive collection practices. Any questions regarding our Privacy Policy or practices should be sent to us via at contact@crempsus.com You may also mail any questions or concerns to us at: CREMPS INVESTMENT INTERNATIONAL LLC, 3411 Silverside Road, Suite 104, Rodney Building, Wilmington, DE , USA About Us and Our Purpose We operate, own and maintain Crempsus.com and may be referred to as company, us, our, we, site or website throughout this document and website. Through the use of this site, we also operate a database of prospective customers, which is known as the service. To promote this site and add to our database, we utilize any number of third parties, affiliates and media advertisements. When you fill out an application with Crempsus.com, your name and information is automatically added to our contact list. By providing such information, you are agreeing to receive communications from Crempsus.com via telephone, or text message unless you choose to opt out of one or all of these communication methods. It is also possible that marketing agencies who are business partners of Crempsus.com may contact you via these same means. You will only receive these contacts for as long as you agree to them. If you choose to opt out of communications from Crempsus.com or our partner marketing agencies, you may do so at any time by following the opt-out link at the bottom of correspondence or ing us at contact@crempsus.com. Should you choose to opt out, we will forward this information to the vendor or agency that provided us with your information so that they may also remove your information from their database Crempsus.com can only ensure that your information will be removed from the databases of the companies with which we are affiliated. Crempsus.com is not responsible for stopping all solicitations from all third parties. Your Privacy is Our Mission Crempsus.com understands that the security of your personal information is of the utmost importance in today s technical day and age. Any information that we collect through our website is used to process business transactions that are requested by you. We will never share your information with anyone aside from our associated lenders and third

2 party affiliates, whether you are a current or former customer. It is our goal to ensure that you feel safe and secure when you use our website. This Privacy Policy exists to inform you about the information we may collect from you and how that information is used and distributed. Any time you use this site, you are agreeing to this Policy. If you do not agree with the Policy, we ask that you do not continue to use this website. Underage Users We will never knowingly collect any information from anyone who is younger than age 18. General Collection and Use of Information Crempsus.com collects information from existing and prospective customers in an attempt to provide them with the products and services they request or products and services that may be of interest to them. Users may opt out of being contacted or receiving s from us at any time. While not all of the information you may be asked to provide is absolutely required, much of it is, including your name, address, contact number, work telephone number, mortgage balance, interest rates on mortgages, credit scores when necessary, amount of loan desired, type of home, address, employer s name, and the best time to reach you. All of this information is used to help you obtain the requested products and services. We may also collect certain information about your computer that may be shared with third parties for analysis purposes. Some of this information includes your IP address, the type of browser you are using, the times you access our website, and the website that referred you. This information is used to help improve the quality of the services that we provide to you, including the way these services are delivered, and to generate statistics about the way our site is used. We will never send you newsletters or updates without your permission. Whenever you fill out an application on Crempsus.com, you are providing us with a request for these newsletters and updates. Opt-Out Rights You have the right to request that we stop sending you s or any other form of communication through our opt-out process. You have a right to remove your information from our database in its entirety, as well. To do so, please contact us at contact@crempsus.com and give us 10 business days to process this request. You may opt out of text messages by replying to any message you receive with the word STOP, END or QUIT. Policy on Sharing Your Information Crempsus.com will never sell your information to third parties. However, your information may be provided to third party affiliates who are responsible for helping us fulfill your requests, such as lenders, companies responsible for shipping, or businesses that provide

3 customer service. These affiliates only have the authorization to use your information to fulfill their specific obligations to us. We may also disclose personal information about you when: We are required to do so by law, such as when we are subpoenaed We have reason to believe that doing so is necessary for the protection of our rights, to protect your safety or the safety of others, to respond to a request from the government or to investigate alleged or factual fraud. We are involved in a merger, sale or acquisition of our company or assets. You will also be notified via a message on our website and via if there is a change of ownership or if the ownership of your information changes hands. You will also be notified of any additional rights you may have regarding the protection of your personal information. You have provided your consent to give your information to other third parties. We may share your personal information with related companies so that they may advertise and market their products and services to you. If you do not want your personal information to be shared with third parties in this manner, please contact us at contact@crempsus.com. Disclosure of Information to Affiliates When you submit your information on an application through Crempsus.com, you are providing your consent to be contacted by third party affiliates who can provide you with the requested services. Information you provide, including information you submit on your application, will be submitted to banks, lenders and brokers in order to inform you of products and services in which you have expressed an interest. An affiliate is a third-party company who has a legal contract with Crempsus.com. Cookies A cookie is a bit of data that is placed on your computer by a website for tracking purposes. Essentially, the website can send information to your computer and your computer can send information back to the website via this cookie. This information is exchanged for the purposes of authentication, user session identification, user preferences, saving login information and more. You have the right to reject cookies from our website, but you may not have access to the full range of products, services and features we provide if you choose to do so. Sometimes, cookies may be used to track and target your interests. In this case, your personal information may be tied to these cookies. Third Party Cookies If any of our third parties or affiliates uses cookies to provide you with products and services, please be aware that these cookies are not covered under the terms of our Privacy Policy. These groups may use what are known as Session ID cookies to provide you with targeted advertisements or collect anonymous information about your experiences during your use of the site.

4 Links Crempsus.com also provides links to external sites, and our Privacy Policy does not cover these websites. Should you choose to leave Crempsus.com via a link you find on our site, you should be sure to read the Privacy Policies associated with these websites thoroughly. If we are co-branded with these third parties, it will be evident to you who is collecting the information about you. Security Since the safety of your personal information is incredibly important to us, we use toprated and industry recognized methods to protect the information you provide to us as it is being transmitted and after we have received it. There is no method of data transmission or storage that is 100 % fail-proof, so we cannot guarantee the absolute security of your information. For more questions about the security methods used on our website, please contact us at contact@crempsus.com. Update or Correct Your Information If you would like to verify, correct, update or delete any of the information you have provided to Crempsus.com, please contact us at contact@crempsus.com. Notifications of Changes From time to time, Crempsus.com may make changes to this Privacy Policy. In any changes are made to the way that we use your personal information, you will receive an communication from us, even if you have opted out of marketing communications. You should continue to review this Policy periodically to ensure that you are up-to-date and knowledgeable about any changes that are taking place. Updates to Site and Service While it is acceptable for our members and visitors to unsubscribe from marketing communications, they may not unsubscribe from certain service announcements that provide important information about the products and services being offered by Crempsus.com. If you are no longer interested in the products and services we provide and you would like to completely deactivate your account, you can deactivate your account by contacting us at Crempsus.com. Sharing Information with Co-Branded Companies A co-branded company can be described as a third party whose name will be directly listed on any quote or application form that you fill out while on Crempsus.com. The products and services you request, as well as the information you provide, will be controlled by that co-branded company. This information will be shared with Crempsus.com for tracking purposes.

5 Compliance with Do-Not-Call Registry When you submit your personal information through Crempsus.com, you are providing your express consent to be contacted via , telephone, postal mail or text message. Information Retention Any information you provide to Crempsus.com will be retained until you make the decision to cancel your account with us. If you want to cancel your account or if you want to request that we no longer use your information to provide you with products and services, you can contact us at Even after this request, your information will be used for as long as is necessary to resolve disputes, comply with legal obligations and ensure that our agreements are enforced. Mailing Address: CREMPS INVESTMENT INTERNATIONAL LLC, 3411 Silverside Road, Suite 104, Rodney Building, Wilmington, DE , USA