1. Terms of Use

Between You or User & Amber Sky Mortgage
Please read this agreement ("Agreement") carefully before accessing or using this web site ("Site"). By accessing or using the Site, you agree to be bound by this Agreement. Amber Sky Mortgage and its suppliers provide the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site and accessing its content constitutes your agreement to all the terms, conditions and notices contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither Amber Sky Mortgage, nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the Site.
Amber Sky Mortgage and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take or don’t take based on the information, services or other material on this Site. While Amber Sky Mortgage and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, Amber Sky Mortgage, and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However, you may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and use in another Web page, use on any other web site, transfer or sell any information, products or services obtained from this Site. If and when requested by Amber Sky Mortgage, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Amber Sky Mortgage, you agree to refrain from accessing or attempting to access secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution. Individuals that violation these prohibitions will be prosecuted.

PROPRIETARY RIGHTS
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Amber Sky Mortgage and its affiliates. ©Copyright Amber Sky Home Mortgage LLC 2012. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Site is permitted without the written permission of Amber Sky Mortgage and / or its affiliates.

NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless, Amber Sky Mortgage, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and applicable federal and state laws. If you violate any of these terms, your permission to use the Site automatically terminates.

LIABILITY DISCLAIMER
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, loss of money, material, equipment or data, neither Amber Sky Mortgage, nor its affiliates are responsible for those costs.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. AMBER SKY HOME MORTGAGE LLC, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL AMBER SKY MORTGAGE, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF AMBER SKY MORTGAGE, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION
You agree to indemnify, defend and hold harmless Amber Sky Mortgage, its affiliates and suppliers from any liability, loss, claim and expense (including attorney's reasonable fees) related to your violation of this Agreement.

LINKS TO THIRD PARTY SITES
Outside Links - While on this web site, you may be led to other web sites operated by parties other than Amber Sky Mortgage, or its affiliates. Inclusion of hyperlinks by Amber Sky Mortgage, to web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk and in accordance with the Terms of Use for that site. We are not responsible for the quality or results or any product or service provided by these companies. Review their products and services carefully. Furthermore, our privacy policy is applicable only when you are on our Site, once linked to another web site, you should read that site's privacy policy before disclosing any personal information. Their own privacy policies may be different than ours. We are not responsible for the use of the information that you give these third parties.

CHANGES TO AGREEMENT
Amber Sky Mortgage may and can modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. It is your responsibility to review this Agreement periodically, and your continued access or use of this Site will be deemed to be your acceptance of the modified Agreement.

MISCELLANEOUS
This website is applicable to and should only be used by persons 18 years of age or older and located within the United States of America. Accessing or using this website by any person under the age of 18 or from locations outside the United States is prohibited.

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of New Jersey without giving effect to any principles of conflicts of law. Failure by Amber Sky Mortgage or its affiliates to strictly enforce any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) month after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Amber Sky Mortgage, and/or its affiliates and you related to this Agreement shall be brought in federal district court and/or by methods of mediation. You agree that the decision as to where to bring or hold these proceedings is at the sole discretion of Amber Sky Mortgage, and/or its affiliates.

Amber Sky Mortgage logos, products and service names are trademarks owned by and licensed to Amber Sky Mortgage, or its affiliates (the "Marks"). Without the prior written permission of Amber Sky Mortgage, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.

2. General Disclosures
In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
• Equal Housing Opportunity Lender
• Equal Credit Opportunity Act Fair Lending Notice

Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:

Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580

Fair Lending Policy
Amber Sky Mortgage is committed to fair lending practices. It is our policy to make credit products available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending.

Amber Sky Mortgage does not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any prohibited basis.

No High Cost Loans
Amber Sky Mortgage is also committed to not originate loans that would be considered “High Cost Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).

No Predatory Lending 
Amber Sky Mortgage’s will not originate loans that have “Predatory” characteristics nature. We also do not require that borrowers purchase single paid, or life credit insurance premiums from Amber Sky Mortgage.

4. Advertised Rate Disclosure Information
All advertised rates are subject to underwriting approval. Not all applicants will be approved. Fees and Charges may apply. Minimum credit score of 740 required to be eligible for advertised rate. Full documentation & property insurance required. Loans secured by liens against your property. Consolidating debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance are not included in any payments advertised. Terms, conditions & restrictions apply. Your rate and term may vary. Lock in fee required to secure rate. The only way to lock in a rate is to speak with an Amber Sky Mortgage employee and receive confirmation of lock-in. Loans are arranged through third party lenders and investors. Recent advertised rates are subject to change without notice. Advertised rates are available on owner-occupied single-family residential properties. Call for further details.

Rates for purchase and refinance loans may vary. Fees and charges may apply. An advertised rate is not guaranteed and does not constitute an approval. Not all applicants will be approved. Minimum credit score requirement apply. Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. Taking cash our consolidating debt my increase time for approval, the rate, loan amount and the requirements of your loan. Rates may include discount points. Rates and terms may vary. You can only lock in a rate if you speak with an Amber Sky Mortgage Professional. Locks require a lock-in fee. Rates are not available in all areas. Minimum and maximum loan amounts apply. Rates are subject to change without notice. Taxes and Insurance are extra. Waiving escrow may require a higher rate or additional fees.

5. Privacy Policy

Overview
We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.

Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with Amber Sky Mortgage as a client. Information We Collect About You during Your Online Visit

Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.

We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.

Security Statement

Encryption
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers.

Firewalls
Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed.

General Security
We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site.

Website Visitor/User Information Sharing
We may at times share your information as a visitor or user of this Site to other third parties. These third parties might either be affiliated companies or within the Amber Sky family of companies. Also, these third parties may be non-affiliated companies. Other third parties may be companies that are acting or performing on our behalf.

This information sharing may either be done to serve you better, to offer products and services that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.

Lastly, we may at times receive compensation for sharing this information to third party companies. This information sharing may be the result of marketing agreements that exist between Amber Sky Mortgage and third party non-affiliated marketing partners.

*Please see opt out details below if you wish to opt out of this policy.

Information Collection and Sharing Practices for Existing Customers

Existing Customer/Previous Users
If you are a Amber Sky Mortgage customer details about the information we collect and how it may be disclosed is contained in our Privacy Policy Notice, which is mailed to you. This notice includes additional information regarding your privacy choices. We collect information about you when you:
• Apply for a loan
• Inquire about a loan
• Close a loan

We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.

Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous Amber Sky Mortgage customers to:
• Run our everyday operations
• Respond quickly to your requests or needs
• Help us communicate with you
• Evaluate your eligibility for additional products and services that may be of interest to you

What We Share
We may share personal information that includes, but is not limited to your:
• Name, address, and other account application information
• Account balances, transactions, and payment history
• Identify information such as your social security number, license number, and date of birth
• Creditworthiness including credit history, credit reports and credit score

With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.

We may also share some of this information with companies performing services on our behalf. These types of vendors are called service providers.

We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.

Finally, we may share information we collect about you with companies related by common control or otherwise affiliated with Amber Sky Mortgage. This is to offer you products and services that may be of interest to you. These types of companies are called affiliates.

Benefits of sharing
We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within Amber Sky family of businesses and with valued partners or our employees in order to evaluate eligibility, or to offer and recommend products or services that may be right for you.

Customer Information Sharing Choices/Opt Out

Federal Law
Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.

Federal law allows you to opt out of our privacy policy or restrict us from sharing information as follows:
• About your credit worthiness with our affiliates
• To all non-affiliates to offer you their products and services

State Laws
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As an Amber Sky Mortgage customer you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.

You can limit us from sharing your information as permitted by law and as described in our Privacy Policy at any time by informing us of that you choose to Opt Out and by telling us how you do not want your information shared by calling 201-393-0200. You may notify us of your choices at any time.

If your past choices have not changed, you only need to tell us one time, as long as you remain an Amber Sky Mortgage customer.

Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.

Our policy is to treat customer information as we would want our own information treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.

Some of the steps we take to protect your information is securing all computer terminals with password protections, locking sensitive information in storage, shredding all documentation containing client information, and performing background checks on all employees.

Correcting Information We are committed to maintaining accurate and up-to-date information on you and all of our customers and web visitors. We may contact you from time to time to verify that we have accurate information for you or to update the information that we have.

How to contact us regarding this site: U.S. Mail:
Amber Sky Home Mortgage LLC
1 Route 46, Suite 1
Elmwood Park, NJ 07407
Telephone: 201-393-0200 or 866-955-5655
Email: info@myambersky.com

Policy Effective Date This Online Privacy Statement is effective December 10, 2010 and shall remain in effect until amended. Amber Sky Mortgage reserves the right to change and amend this Privacy Statement or to alter any of privacy policy principles at its sole discretion without notice. We will post any alterations to this Privacy Statement on our web site in a timely manner so please check periodically.

Identity Theft / Fraudulent Activities

Identity Theft/Fraud
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person's existing credit account information and purchases products and services at the victim's expense. Application Fraud occurs when an individual uses another's Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim's name.]

If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.

Experian (1-888-397-3742)
Equifax (1-800-525-6285)
Trans Union (1-800-680-7289)

Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.

If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.)

To learn more about identity theft, visit the Federal Trade Commission's web site to receive further information and insights about how to protect yourself from identity thieves.

Identity Theft Hotline: 877-438-4338
Web: www.consumer.gov/idtheft
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580

6. State Specific Disclosures & Licensing Information
New Jersey: Registered with the NMLS and Licensed by the NJ Department of Banking and Insurance as a Correspondent Residential Mortgage Lender #907795. When Amber Sky Home Mortgage acts as a broker and will not make commitments or fund mortgage loans. Some loans made available thru third parties. If you have any complaints, please reach out to: NJ DOBI, Trenton, NJ.