PRIVACY POLICY

About This Notice
This Web site is operated by WeCosign, Inc., d/b/a ("WeCosign"). This privacy policy ("Privacy Policy") applies to the information that you provide to WeCosign via the www.wecosign.com Web site where this Privacy Policy appears in the footer, and/or by use of other services (collectively, the "Services") that may be provided by other means or media, including as set forth below.

This Privacy Policy is intended to provide you notice of WeCosign’s information management practices, including the types of information gathered, how it is used and safeguarded, and the degree to which you may control the maintenance and sharing of your information. Your use of any WeCosign Service or Web site constitutes acceptance of this Privacy Policy.

This Privacy Policy will be continuously assessed against new technologies, business practices and our customers’ needs. You are encouraged to review this Privacy Policy regularly as it may change at any time. The effective date of this Privacy Policy and any revised or changed notice may be found on this Web site.

Personal Information Collected by WeCosign
In general, you can visit this Web site without telling WeCosign who you are or without revealing any information about yourself. WeCosign will not collect any personal information about you by means of this Web site, unless you have provided such personal information to WeCosign voluntarily. For example, certain WeCosign Services may require you to submit personal information in order for those Services to function as designated. Such information might include your name, your physical contact information, including your address and phone number(s), your email address, and certain financial information, such as your credit card, debit card or checking account number(s).

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases located in the United States. We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:

• Help us evaluate your request for a product or Service;

• Help us process claims and other transactions;

• Confirm or correct what we know about you;

• Help us prevent fraud, terrorism, and other crimes by verifying what we know about you; and

• Process data for WeCosign.

We may also collect information about your transactions and experiences, with WeCosign and others, such as your payment history, claims, and coverage changes. When we disclose information to others to perform business services for us they are required to take appropriate steps to protect this information. And, they may use the information only for the purposes of performing those business services.

Because of the financial nature of our business, Web sites operated by WeCosign are not designed to appeal to children under the age of 13. As such, WeCosign does not knowingly attempt to solicit or receive any information from children.

Control and Access to Personal Information
WeCosign may need to communicate with you regarding critical messages relating to your product or Service (such as service messages, renewal notices, or legally mandated notices). In addition, if you are required to provide WeCosign with your email address, we may use it from time to time to notify you of changes to this Privacy Policy, additional services, confirm transactions, or to provide general information regarding your policy. If you do not wish to be contacted by email for non-policy related communications from WeCosign, you may unsubscribe using the link provided on the email you receive.

Opt-Out
The personal information WeCosign collects is not shared with non-affiliated third-parties for their marketing, or promotional, use. Therefore, there is no need to "opt-out" from sharing your personal information. WeCosign may disclose personal information to the following categories of non-affiliated third parties with which WeCosign, and its affiliated companies, contract to perform certain functions or services on their behalf: (i) other financial institutions; (ii) other insurance companies; and (iii) other third-parties, such as your landlord.

Cookies
When you visit this Web site, we may store some information on your computer. This information will be in the form of a "cookie" or similar file and can help us maintain and improve this Web site in many ways. A "cookie" is a small amount of data that is transferred to your web browser by a web server and can only be read by the server that gave it to you. It functions as your identification card, recording such things as Internet address, passwords, and preferences. It cannot be executed as code or deliver viruses. This is all done without WeCosign knowing your name or other personal information. When you visit any WeCosign Web site you are anonymous, unless you chose to identify yourself to us. Some of our business partners may use cookies on our site. We have no access to or control over these cookies. This Privacy Policy covers the use of cookies by the www.eRenterPlan.com Web site only and does not cover the use of cookies by any of our business partners. With most web browsers, you can erase "cookies" from your computer hard drive, block all "cookies", or receive a warning before a "cookie" is stored. Please refer to the "Help" portion of the browser toolbar to learn more about these functions.

Information Retention
WeCosign reserves the right to retain personal information collected through its Web site, and other means, for the length of our business relationship with you. In some cases, however, WeCosign will retain the information for a longer period if required to do so by law or regulation.

Onward Transfer
WeCosign may disclose information you provide to third-parties in order to complete a transaction that you have requested, including, but not limited to, processing credit or debit card payments. Finally, please note that WeCosign may disclose personal information when required by law or in the good faith belief that such action is necessary in order to comply with the law or legal process. This includes:

• If it is necessary for WeCosign to respond to subpoenas, court orders, or legal process, or to exercise our rights or defend against legal claims.

• WeCosign believes it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of WeCosign agreements, or as otherwise required by law

• WeCosign transfers information about you if WeCosign is acquired by or merged with another company. In this event, WeCosign shall notify you before information about you is transferred and becomes subject to a different privacy policy.

• Service providers under contract who assist with the services provided by WeCosign, including, but not limited to, fraud investigations and bill collection.

Our Commitment to Data Security
WeCosign takes commercially reasonable steps to protect against the loss, misuse, or unauthorized alteration of personal information, including credit card numbers, collected through this Web site. We recognize the importance of security for all personal information collected through this Web site. We exercise care in providing secure transmission of your information from your web browser to our servers. Once we receive personal information, we take steps to protect its security on our systems. In the event we request or transmit sensitive information, such as credit card, debit card or checking account information, we use industry standard, secure-socket-layer ("SSL") encryption. We strictly limit access to personal information to those employees who need access in order to carry out their job responsibilities. All employees are prohibited from "browsing" through our files and databases. We train our employees in the application of our need-to-know standard. We periodically audit for compliance with this standard and we impose penalties for any failure to comply with this standard.

Privacy Concerns
WeCosign takes its customers’ privacy seriously. If you have questions or concerns regarding this Privacy Policy, you should first contact WeCosign using the Contact Us link, or write to us at the following address:

WeCosign, Inc.
3400 West MacArthur Blvd., Suite I
Santa Ana, CA 92704

Privacy Policy Notice Revisions
We may amend this Privacy Policy from time to time. All amended terms will automatically take effect thirty (30) days after they are initially made and will be made available on the WeCosign Web site. In addition, we may notify you by email of amended terms to this Privacy Policy if: (i) you have provided your email address to us; and (ii) you have consented to receive electronic communications from us.

The effective date of this Privacy Policy is: 08/13/2008

TERMS OF USE

Please read WeCosign’s Terms of Use carefully before using our Web site, www.WeCosign.com, (the "Site"). By using the Site, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Site. Your continued use of the Site will constitute your acceptance of these Terms of Use, as may be modified by WeCosign at any time without notice to you. Please check this page regularly for updates.

Permitted Use
All of the content in the Site is made available only for your personal, lawful, non-commercial use in connection with seeking an apartment leasing cosigner. Use of the Site by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission: (i) link from another Web site to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; or (iii) engage in systematic retrieval of data or other content from the Site.

Copyrights and Trademarks
Except as otherwise indicated, all materials in the Site, including without limitation the WeCosign logo and other WeCosign trademarks and service marks, are the property of WeCosign, Inc. and/or its affiliates or licensors and are protected by international copyright and trademark laws, all rights reserved. You may use materials obtained from the Site for the permitted purposes set forth in these Terms of Use, provided that the following copyright notice appears in all copies of any downloaded or printed materials: "©2008 WeCosign, Inc. All rights reserved." Any other use is prohibited.

Our Services
The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to WeCosign’s products and services. All coverages are subject to the terms and conditions of the contracts issued.

Privacy and Passwords
WeCosign values and protects the privacy of your information. Please review the our Privacy Policy, as it contains important information relating to your use of the Site.

Some portions of the Site are protected and require authentication for access. Unauthorized access or use of such portions of the Site is prohibited. You agree that you will notify WeCosign immediately if you believe that a third party has obtained your login information, or if you believe that any unauthorized access or use may occur or has occurred. For your protection, if WeCosign believes that any unauthorized access may occur or has occurred, we may terminate such access without prior notice to you. You also agree that WeCosign is permitted to act upon any instructions received using your authentication and to consider such instructions as authorized by you.
Third-Party Sites

At times, the Site may have links to Web sites hosted by other parties ("Third-Party Sites"), or such Third-Party Sites may have links to the Site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by WeCosign of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own Web sites. WeCosign does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. You should read the privacy policies and terms of use agreements of all Third-Party Sites.

Disclaimer of Warranties
All information, products, content and other materials in the Site, accessible from the Site, or in a Third-Party Site are provided "as is" and without warranties or representations of any kind, either express or implied. This means that WeCosign expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, WeCosign does not represent or warrant that: (i) the operation of the Site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the Site, any emails sent by WeCosign, or the server that makes the Site available are free of viruses or other harmful devices; (iv) the Site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date; or (vi) the products or services offered through the Site are available outside of the United States or in jurisdictions in which WeCosign is not properly licensed.

If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of Liability
WeCosign shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if WeCosign has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of WeCosign’s gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that WeCosign’s total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

Jurisdiction, Enforceability, and Termination
These Terms of Use and your use of the Site are governed in all respects by the laws of the State of California , without giving effect to any principles of conflicts of laws. Any dispute concerning the Site or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Orange County, California.

In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to WeCosign by discontinuing all use of the information contained in the Site and destroying the materials you have obtained from the Site, including all related documentation and copies. WeCosign may terminate these Terms of Use and/or the products or services offered by WeCosign at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the Site and destroy the materials you have obtained from WeCosign, including all related documentation and copies. WeCosign is also entitled to terminate all or part of the Site at any time, without notice to you.

These Terms of Use state the entire agreement with regard to the items discussed above.

FREQUENTLY ASKED QUESTIONS

Where is WeCosign available?
WeCosign will work with renters and apartment communities in every state in the U.S.

Why do landlords obtain my credit score during the leasing process?
Large apartment complexes and even many individual property owners use FICO (Fair Isaac Corporation) credit scores as a screening tool for new rental applicants. This saves landlords’ time by limiting their personal interaction with prospective tenants until they are seen as "credit worthy".

Why is there a fee for your service?
WeCosign employs a team of underwriters to review your income and expenses. This fee pays for our underwriters’ time.

Why can’t friends or family cosign for me?
Friends and family members are usually reluctant to cosign, because they view their FICO credit score as an asset that can help them get cash reserves in an emergency - they might not want to risk damaging their credit (in the event that you can’t make your rent payments) for this reason.

How is the monthly WeCosign fee determined?
The monthly fee based on the amount of the rent and the verification of the information on the application.

How long do I need to pay my monthly WeCosign fee?
WeCosign will provide their services up to 12 months or for the term of the lease, whichever is shorter. Some leases vary. Consult your leasing agent or landlord for your terms. In the event that you need WeCosign on your lease after 12 months, we may reduce your monthly fee to reflect your good payment history.

Do landlords view tenants with WeCosign any differently than other tenants?
No. Many renters use cosigners. WeCosign is in business to help those who cannot meet the financial requirements of the lease. The landlord has no more risk with you than with any other tenant.

We will cosign
For an apartment or rental home.