MBS SOURCE PRIVACY POLICY

This Privacy Policy describes our privacy practices with respect to our Web-delivered platform and research services for the mortgage-backed and asset-backed securities market (the “Service”). We provide this Service from our Web site with the primary domain name www.mbssource.com (the “Site”).


SCOPE OF POLICY; ELIGIBILITY

Scope. This Privacy Policy covers our Site and Service. It does not cover third party Web sites or applications that we do not control, even though our Site may include links to such third party applications or sites. By using or accessing our Site and Service, you acknowledge that this Privacy Policy will apply to you and your company.

Eligibility. You may use the Service only if your company has entered into a separate written or electronic agreement with us that gives your company the right to access and use the Service. You may, however, access other portions of our Site that do not require customer login, subject to this Privacy Policy.


INFORMATION WE RECEIVE ABOUT YOU AND YOUR COMPANY

Personal Information. When you register for an account with MBS Source, we ask you to provide certain personal information, such as your first and last name, a work email address, the name of the company you represent, and your phone number. If you purchase a subscription to the Service, we may also ask for billing information such as a billing address and credit card information.

Portfolio Information. The Service may allow you to submit information about securities held and/or trades made by your company (“Portfolio Information.”). As described more fully below, the Service includes settings to control which (if any) of the Portfolio Information you submit on behalf of your company is available to other users. We never share your Portfolio Information with other Service users (except users who also represent your company) unless you choose settings within the Service that enable such sharing. You should not submit Portfolio Information on behalf of your company unless you are authorized to do so.

Information We Collect As You Use Our Site. We receive and store certain types of information whenever you interact with our Site. We use “cookies” and obtain certain types of information when your Web browser accesses the Site, such as the Internet Protocol (IP) address of your computer, information about your browser software and operating system, and the date and time you access our site. We also use these cookies to keep track of your “clicks” and pages you view on our Site. Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and to provide certain features of the Service. The “Help” feature in most Web browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable some cookies altogether. Keep in mind that disabling cookies may result in some features of the Service not working properly.


HOW WE USE YOUR INFORMATION

To Provide, Manage and Improve the Site and Service. We use the personal information and Portfolio Information you submit to make the Service and its features available to you in accordance with this Privacy Policy.

To Contact You. We will use your email address or other contact information to respond to your requests for information about our services, to provide customer support, and to contact you with other announcements related to our services.


HOW WE SHARE YOUR INFORMATION

Portfolio Information. As described above, the Service provides you with settings to control which (if any) of your company’s Portfolio Information is available to other users. For example, you may elect for other users that wish to purchase a particular bond to be notified if your company maintains a position in that bond. We never share your Portfolio Information with other users of the Service (except users who also represent your company) unless you choose settings within the Service that enable such sharing.

Third Party Service Providers. We rely on some third party service providers to assist us in operating the Site. For example, we may use third parties to host our Site, send email messages on our behalf, or process payments. When we provide your (or your company’s) information to these third party service providers, they will possess it for only a limited time, and we put in place contractual and technical protections to limit their use and disclosure of your information. We never sell our customers' e-mail addresses to third parties, nor do we provide your personal information or Portfolio Information to third parties for their marketing purposes.

Business Transfers. If MBS Source is (or its assets are) acquired by another company, information and content you submit to the Service (including Portfolio Information) would likely be among the assets transferred. In the event of such an acquisition, the Privacy Policy in force at the time would continue to apply your information.

To Protect MBS Source and Others from Liability or Harm. We release content and personal information when we believe we must do so to comply with the law, to enforce our contract with you for the Service, or to protect the safety and rights of MBS Source or our users. This does not, however, include selling, renting, sharing or disclosing your (or your company’s) information for commercial purposes.

With Your Consent. We may also share your personal information or Portfolio Information with third parties if you give us your consent.

Aggregated Data. We may make certain aggregated information derived from Portfolio Information available to other users or third parties, provided that such data is de-identified so as not to reveal information specific to you or your company.

Account Deactivation. You acknowledge that, if your company’s contract with us for the Service expires, we have no obligation to retain, and may delete, your personal information or Portfolio Information.


HOW TO VIEW AND EDIT YOUR INFORMATION

Portfolio Information. You can view and modify your Portfolio Information at any time via the Service.

Personal Information. You can view and modify your personal and contact information at any time via your account settings in the Service.


SECURITY

We take reasonable precautions to maintain the security and integrity of your personal information and Portfolio Information, including storage of your information on a secure server behind a firewall.


MODIFICATIONS TO THIS PRIVACY POLICY

We may modify this Privacy Policy at any time. If you maintain a MBS Source account, we will notify you of any material modifications to this Privacy Policy at the email address you provide to us when you register for an account.


CONTACT US

If you have any questions about this Privacy Policy or our privacy related practices, please contact us at support@mbssource.net.