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This Privacy Policy applies to all information provided by users through the web site (the "Site"). The Policy describes the types of information
submitted through the Site, how that information may be used and with whom it may be
shared. This Privacy Policy also describes the measures taken to protect the security of the

Information Collected and How It Is Used

When you visit the Site to use the Borrower NPV Calculator, read or download information, we
will collect and store only the following information about your online session: the date you
access the Site; the choice you make when asked to identify yourself as a "Borrower",
"Counselor", or "Other" user (so that the Site can provide you with the pertinent information);
the results of the NPV calculation; any technical problems occurring on the Site that interfere
with your progress; the web browser and operating system you use; and the area of the country
and the Internet address of the web site from which you linked directly to our Site. This
information will only be used in an aggregated form with the same information from other
user's sessions and will not be able to be traced back to you. We will not collect any personally
identifying information about you.

Information We Share

We do not sell any information obtained through this Site. We may share the information with
the service providers that host and maintain the Site to enable them to perform those functions.
We may also provide the information to financial agents of the Department of the Treasury who
perform services in connection with the Home Affordable Modification Program.
Additionally, we also may disclose information collected through this Site as permitted or
required by law or legal process, including (i) to regulatory authorities (such as the Federal
Housing Finance Agency), (ii) to law enforcement authorities, (iii) to prevent physical harm or
financial loss, and (iv) in connection with an investigation of suspected or actual illegal activity.

Links to Other Web Sites

This Site may provide links to other web sites for your convenience and information. Those web
sites may operate independently from us. Linked web sites may have their own privacy notices
or policies, which we strongly suggest you review if you visit any linked web sites. We are not
responsible for the linked web sites' content, any use of those web sites, or the privacy
practices associated with those web sites.

How We Protect Information

We maintain administrative, technical and physical safeguards to protect against loss, misuse or
unauthorized access to or disclosure, alteration or destruction of the information collected
through this Site.

Updates to This Privacy Policy

This Privacy Policy may be updated periodically and without prior notice to reflect changes in
the information-related practices associated with this Site. We will post a prominent notice on
this Site to indicate any significant changes to this Privacy Policy and indicate at the top of the
Policy when it was most recently updated.

Disclaimer of Endorsement

The Department of the Treasury does not endorse any commercial product, service, process, or
enterprise. Links to other web sites and references to any commercial product or enterprise are
provided solely for the convenience of the user and do not constitute an endorsement or
recommendation. The Department of the Treasury assumes no responsibility for the content or
operation of other web sites.

Official Seal, Names and Symbols

Federal law prohibits use of any symbol, emblem, seal, insignia or badge of any entity of the
Department of Treasury or any colorable imitation of such words, initials, symbols, emblems, or
seals in connection with any advertisement, solicitation, business activity, or product where
such use could reasonably be interpreted as conveying the false impression that such
advertisement, solicitation, business activity, or product is in any manner approved, endorsed,
sponsored, or authorized by, or associated with, the Department of the Treasury or any
organization within the Department. See 18 U.S.C. § 701, 31 U.S.C. § 333 and 31 C.F.R. Part 37.