Privacy Statement

RATA Associates, LLC (herein referred to as RATA) has long maintained a policy observing and preserving the confidentiality of its customers' data and is committed to protecting your privacy and developing technology that gives you the safest, most powerful online experience. This Statement of Privacy as required by the Gramm-Leach-Bliley Act of 1999, applies to RATA's website and services and governs data collection and usage. By using the RATA website or services, you consent to the data practices described in this statement.

Collection of your Personal Information
By virtue of the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) compliance services, geocoding and other miscellaneous spatial services provided by RATA to the markets, institutions and customers we serve, RATA receives and processes certain nonpublic personal information. Nonpublic Personal Information means personally identifiable financial information, including any list, description, or other grouping of customer clients that is derived using any personally identifiable financial information, which is not publicly available. Such information may include, but is not limited to, client's name, address, telephone number, banking or other financial information, tax identification number, or social security number. In the case of data we process through the services we provide our customers, RATA collects additional third-party information regarding the clients served by RATA's customers. Such information may include, but is not limited to, application/loan numbers and property address information including non-unique data such as geocodes and demographics.

In addition, information about your computer hardware and software is automatically collected by RATA. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by RATA Associates for the operation it's web service, to maintain quality of the service, and to provide general statistics regarding use of the RATA's website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through RATA's public message boards, this information may be collected and used by others. Note: RATA Associates does not read any of your private online communications.

RATA encourages you to review the privacy statements of websites you choose to link to from our website so that you understand how those websites collect, use and share your information. RATA is not responsible for the privacy statements or other content on websites outside of the RATA family of websites.

Use of your Personal Information
RATA collects and uses your personal information to operate the RATA website and deliver the services you have requested. RATA also uses your personally identifiable information to inform you of other products or services available from RATA and its affiliates. RATA may also contact you via surveys to conduct research about your opinion of current services or products or of potential new services or products that may be offered.

RATA does not sell, rent or lease its customer lists to third parties. RATA may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, RATA may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to RATA, and they are required to maintain the confidentiality of your information.

RATA does not collect, use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

RATA keeps track of the websites and pages our customers visit within RATA, in order to determine what RATA services are the most popular. This data is used to deliver customized content and advertising within RATA to customers whose behavior indicates that they are interested in a particular subject area.

RATA websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (i) conform to the edicts of the law or comply with legal process served on RATA or the site; (ii) protect and defend the rights or property of RATA; (iii) in response to a request from any governmental, regulatory or self-reporting agency; and, (iiii) act under exigent circumstances to protect the personal safety of users of RATA's website or services, or the public.

Use of Cookies
The RATA website uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize RATA's pages, or register with the RATA website or services, a cookie helps RATA recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the RATA website, the information you previously provided can be retrieved, so you can easily use the RATA features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the RATA services or websites you visit.

Security of your Personal Information
RATA secures your personal information from unauthorized access, use or disclosure. RATA secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information is transmitted to the RATA websites, it is protected through the use of encryption via the Secure Socket Layer (SSL) protocol.

Changes to this Statement
RATA will occasionally update this Statement of Privacy to reflect company and customer feedback. RATA encourages you to periodically review this Statement to be informed of how RATA is protecting your information.

Contact Information
RATA welcomes your comments regarding this Statement of Privacy. If you believe that RATA has not adhered to this Statement, please contact us. We will make every reasonable effort to promptly determine and remedy the problem.