Arbor Mortgage Group ("Arbor") is committed to maintaining your confidence and trust, and accordingly, maintains the following privacy policy to protect personal information you provide online. It is the Arbor policy that personal information, such as your name, postal and e-mail address or telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location, is accessible only by designated staff and is used only for the purposes for which you provide the information. Personal information will not be released or sold to any third party.

Terms of Use: By accessing, viewing, using, or downloading materials from the Site, you agree to be legally bound by these Terms of Use and all other terms, conditions and notices contained or referenced in the Site. This Site is owned and operated by Arbor.

Definitions: "Company" shall mean either Arbor Mortgage Group, or one of its subsidiaries or affiliated companies, as appropriate, and shall refer to the particular Arbor legal entity hosting the Site."Site" means this web site or the web site of any one of Arbor’s subsidiaries or affiliated companies, as appropriate."Arbor" shall mean Arbor Mortgage Group and its subsidiaries and affiliated companies.

License and Site Access. Subject to these terms and conditions and all applicable laws and regulations, the Company grants you a non-exclusive, non-transferable, personal, limited license to download, access, view, use and display this Site and the text, graphics, content, information, audio, video and other services (the "Materials"), which the Company makes available to you from time to time on the terms and conditions set forth in this Agreement. This authorization is not a transfer of title to the Site or the Materials contained herein, and any downloading, modification, reproduction, copying or redistribution for commercial purposes of any information or Materials or design elements of the Site is strictly prohibited without the prior written consent of the Company. Requests for permission to reproduce any information contained on this Site should be addressed to the Company at the address provided on this Site.

Notwithstanding the above, the Company authorizes you to make electronic or paper copies of the information posted on any page of the Site, provided that the copy(s) are used solely for non-commercial, personal purposes, and further provided that any such copy remains protected by all copyright, trademarks, Site marks, and other proprietary notices and legends contained on the Site. This license does not include the right to modify this Site, or any portion of it, except with the express written consent of the Company. Any resale or commercial use of this Site or its contents; any collection and use of any product or service listings, descriptions, or prices; any derivative use of this Site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction rules is prohibited. You agree to all additional restrictions displayed on the Site as it may be updated from time to time. You agree to use this Site for lawful purposes only, and shall not post or transmit any information or material which in any way infringes or violates the rights of others or which is unlawful, defamatory.