This Privacy Policy governs the manner in which Janus Mortgage collects, uses, 
maintains and discloses information collected from users (each, a "User") of the 
janusmortgage.net website ("Site"). This privacy policy applies to the Site 
and all products and services offered by Janus Mortgage.

Personal identification information

We may collect personal identification information from Users in a variety of 
ways, including, but not limited to, when Users visit our site, place an order, 
fill out a form, and in connection with other activities, services, features or 
resources we make available on our Site. Users may be asked for, as appropriate, 
name, email address, mailing address, phone number, social security number. Users 
may, however, visit our Site anonymously. We will collect personal identification 
information from Users only if they voluntarily submit such information to us. 
Users can always refuse to supply personally identification information, except 
that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they 
interact with our Site. Non-personal identification information may include the 
browser name, the type of computer and technical information about Users means of 
connection to our Site, such as the operating system and the Internet service 
providers utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places 
cookies on their hard drive for record-keeping purposes and sometimes to track 
information about them. User may choose to set their web browser to refuse 
cookies, or to alert you when cookies are being sent. If they do so, note that 
some parts of the Site may not function properly.

How we use collected information

Janus Mortgage may collect and use Users personal information for the following 
purposes:

• To improve our Site
  We may use feedback you provide to improve our products and services.
• To process payments
  We may use the information Users provide about themselves when placing an 
  order only to provide service to that order. We do not share this information 
  with outside parties except to the extent necessary to provide the service.
• To send periodic emails
  We may use the email address to send User information and updates pertaining to 
  their order. It may also be used to respond to their inquiries, questions, and/or 
  other requests.

How we protect your information

We adopt appropriate data collection, storage and processing practices and 
security measures to protect against unauthorized access, alteration, disclosure 
or destruction of your personal information, username, password, transaction 
information and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over a 
SSL secured communication channel and is encrypted and protected with digital 
signatures. Our Site is also in compliance with PCI vulnerability standards in 
order to create as secure of an environment as possible for Users.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to 
others. We may share generic aggregated demographic information not linked to any 
personal identification information regarding visitors and users with our 
business partners, trusted affiliates and advertisers for the purposes outlined 
above.

Third party websites

Users may find advertising or other content on our Site that link to the sites 
and services of our partners, suppliers, advertisers, sponsors, licensors and 
other third parties. We do not control the content or links that appear on these 
sites and are not responsible for the practices employed by websites linked to or 
from our Site. In addition, these sites or services, including their content and 
links, may be constantly changing. These sites and services may have their own 
privacy policies and customer service policies. Browsing and interaction on any 
other website, including websites which have a link to our Site, is subject to 
that website's own terms and policies.

Changes to this privacy policy

Janus Mortgage has the discretion to update this privacy policy at any time. When 
we do, we will revise the updated date at the bottom of this page. We encourage 
Users to frequently check this page for any changes to stay informed about how we 
are helping to protect the personal information we collect. You acknowledge and 
agree that it is your responsibility to review this privacy policy periodically 
and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not 
agree to this policy, please do not use our Site. Your continued use of the Site 
following the posting of changes to this policy will be deemed your acceptance of 
those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, 
or your dealings with this site, please contact us at:
Janus Mortgage
janusmortgageonline.com
2588 El Camino Real F140
Carlsbad, CA 92008
760-720-1700
contact@janusmtg.com

This document was last updated on June 12, 2013