The privacy of your nonpublic personal information is important to us. We use safeguards to protect your
privacy and confidentiality. This Disclosure discusses information we collect and the manner in which it is
used.

We reserve the right, at any time, to add to, change, update or modify our privacy policy simply by posting
such change, update or modification on the Website. Any such change, update or modification will be
effective immediately upon posting on the Website.

Security
We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard
your nonpublic personal information.

Information Collection
If you do nothing during your visit but browse through the Website and read the information contained on
the Web pages, we may gather certain information about your visit automatically. This information does not
identify you personally. We may automatically gather the Internet domain (for example, "companyx.com" if
you use a private Internet access account, or "myschool.edu" if you connect from a university's domain), IP
address (an IP address is a number that is automatically assigned to your computer whenever you are
surfing the Web) from which you access our Website, and the date and time you access our Website and the
pages you visit.

We may collect nonpublic personal information from you when you voluntarily provide personally
identifiable information to us though our Website, such as when ordering services/products and accessing
account specific or other profile information. We may collect information about your transactions that we
secure from our files and from our affiliates. We may collect information that we receive from consumer
reporting agencies. We may collect information that we receive from others involved in your transactions,
such as real estate agents or lenders. We limit use of such information to the purposes for which the
information was provided. However, we reserve the right to use such information for marketing/product
development research and other similar purposes and/or to contact you regarding additional services or
products that you may find useful.

If you send an electronic mail (e-mail) message that includes personally identifiable information, for
example, in an e-mail message containing an inquiry, we will use that information to respond to your inquiry.
Remember that e-mail is not necessarily secure against interception. If your communication is very
sensitive, or includes information such as your bank account, charge card, or social security number, you
should not send it electronically unless it is encrypted or our Website indicates the particular site is secure.

We may use "cookies" to improve our service to you. Cookies may help us recall a previous visit. The cookies
we use do not collect personally identifiable information, and we do not use them to determine your identity.
If you are not comfortable with this use, you may configure your browser to be notified when cookies are to
be received and to provide you with the option of refusing cookies. However, refusing cookies may limit your
ability to use our Website in its entirety.

Links to other Websites
Our Website may contain links to Websites that are provided and maintained exclusively by third parties
Websites provided and maintained by third parties are not subject to this privacy policy. Please review the
privacy policies on those Websites to understand their personal information handling practices. We make no
representations concerning the privacy policies of these third party Websites.

Questions
If you have questions about our privacy policy, you may contact our webmaster at
Millennium-collections@onewest.net . Please provide the webmaster with information about the specific Website that
you are inquiring about.