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Southpoint Loans is proud to serve the southern states of Louisiana, Georgia, Maryland, North Carolina, South Carolina, Kentucky, Texas, Mississippi, Tennessee, Alabama, Arkansas, Florida, West Virginia, Virginia and Missouri

All our services are provided to our clients at NO Cost, with NO Obligation - NO exceptions. Our goal is to find you the best loan product, whether you have great credit or imperfect credit. Loan products include but are not limited to:

Mortgage Refinance Loans: Cash out, HELOC or Home Equity Loans

Debt Consolidation Loans

Auto Purchase and Auto Refinance Loans

Personal Unsecured Loans

Southpoint Loans works with leading lenders to provide at least three or four loan products that match your loan request. Information provided through our website is confidential between you and the lender financing your loan.

SouthPointLoans.com PRIVACY POLICY

Last Updated 8/23/2011

This Privacy Policy ("Policy") applies to the SouthPointLoans.com web site. It tells users ("you" or "applicant") of the web site and the services provided therein about the information collected by SouthPointLoans.com and how SouthPointLoans.com uses and shares this information.

Types of Information We Collect

SouthPointLoans.com collects both "personally identifiable information" and "non-personally identifiable information" from or about users of its web sites.

Personally Identifiable Information

SouthPointLoans.com collects several types of information that may identify a particular individual ("personally identifiable information"). We collect personally identifiable information when you provide it to us through your use of the site, such as by completing one or more stages of an application form to apply for a loan from a lender participating in our lender network ("participating lenders") or by sending questions to us via the web site. The types of personally identifiable information we collect include: name, physical address, telephone number, social security number, email address, date of birth, driver's license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.

Non-Personally Identifiable Information

Non-personally identifiable information is anonymous information that cannot be associated with a specific individual. The types of non-personally identifiable information that we collect (either directly, through the use of "cookies," or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to personally identifiable information. A "cookie" is a piece of information a web site sends to your computer while you are viewing the web site to remember who you are without personally identifying you.

SouthPointLoans.com may share this non-personally identifiable information only in summary form with its suppliers and other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any personally identifiable information that can identify an individual person.

Information Collected by Third Parties

We may allow third parties, including advertising partners and loan lenders, to display advertisements on our site. These companies may use tracking technologies, including cookies, to collect information about users of our site who view or interact with these advertisements. SouthPointLoans.com does not provide personally identifiable information to these third parties.

How We Use Personally-Identifiable Information

We use the personally-identifiable information you provide to us through this site in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.

We may review and use your financial information and your social security number to match you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identify and protect against possible fraudulent transaction.

Sharing Your Personally-Identifiable Information

SouthPointLoans.com may share your personally-identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have a business relationship. These third party lenders may use your personally-identifiable information to offer you a loan or to communicate with you about other business or marketing offers. In addition, we may share your personally identifiable information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom we have a business relationship.

Any third parties with whom we share personally-identifiable information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once we have transferred or shared it with those third parties as described in this Policy or our Terms and Conditions.

SouthPointLoans.com will disclose your personally-identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. We will disclose your personally-identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our web site users, or others; or to enforce our website terms and conditions or other agreements or policies.

In addition, in the event that all or substantially all of SouthPointLoans.com's stock and/or assets are transferred or sold to another entity, SouthPointLoans.com may transfer personally-identifiable information to the acquiring entity.

Links to Third Party Web Sites

We may provide links or automatically redirect you to third party web sites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a web site that SouthPointLoans.com does not operate or control. You should review the privacy statements and terms of use of all third party web sites you access. These third party web sites may independently solicit and collect information from you. On occasion, those third party web sites may provide us with information about your use of those sites.

Changes

SouthPointLoans.com's policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at the sole and absolute discretion of SouthPointLoans.com. Changes to this Policy will be posted on the SouthPointLoans.com web site and we will revised the "last updated" date at the top of this policy. You should review this Policy each time you access the web site. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an email to the email address you most recently provided to (unless we do not have an email address for you) and/or by prominently posting notice of the changes on this web site.

Children's Privacy

Our web site is not intended for use by children under the age of 13. We do not knowingly collect personally-identifiable information from children under the age of 13.

Security

SouthPointLoans.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information we collect online. For example, only authorized employees and authorized third parties are permitted to access personally-identifiable information, and they may do so only for permitted business functions. No web site or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

Accessing Your Personally-Identifiable Information

If you would like to review and/or request changes to the personally identifiable information that we have collected about you through your use of the SouthPointLoans.com web site, please contact us by writing or sending email to the addresses below.

Privacy Rights of California Residents: Companies that collect personally identifiable information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having his or her information shared with third parties. We have elected the second option, and you may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address, to: Info@SouthPointLoans.com

Contact

If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or send us email: Info@SouthPointLoans.com.

SouthPointLoans.com TERMS AND CONDITIONS

Last Updated: 8/23/2011

By accessing the SouthPointLoans.com web site and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site.

Loan Matching Service

SouthPointLoans.com's loan are referred to Leadpoint, Leadpile.com and Other loan lending matching services, who match consumers with prospective lenders participating in Leadpile.com's, Leadpoint's and other loan matching services ("participating lenders"). To use the service, you must complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. SouthPointLoans.com's collection and use of this information is subject to this site's Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.

Once a consumer submits the application form(s) to SouthPointLoans.com, SouthPointLoans.com shares your information with leadpile and one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to SouthPointLoans.com, Leadpile.com and each of the participating lenders to whom SouthPointLoans.com transmits your loan request. By submitting the application form(s), you are extending an express invitation to SouthPointLoans.com, Leadpile.com and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

Participating lenders who receive your application information from Leadpile through SouthPointLoans.com review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.

If a participating lender determines that your application meets its loan qualification criteria, the SouthPointLoans.com through Leadpile.com's web site will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's web site. You understand and agree that, once you have been redirected to the lender's web site, SouthPointLoans.com has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender.

SouthPointLoans.com is not a lender and does not make loans or credit decisions in connection with its loan matching service. SouthPointLoans.com does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. SouthPointLoans.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.

SouthPointLoans.com does not endorse or recommend the products of any particular lender. SouthPointLoans.com is not an agent of you or any participating lender. SouthPointLoans.com is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that SouthPointLoans.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.

Control over Features, Functions, and Access to the Service

SouthPointLoans.com reserves the right to change any information, features and/or functions of the loan matching service without prior notice. SouthPointLoans.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that SouthPointLoans.com determines, in its sole discretion, violate these Terms, the rights of SouthPointLoans.com or any third party, or is otherwise inappropriate. SouthPointLoans.com is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.

Disclaimers and Limitations

THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." SouthPointLoans.com EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. SouthPointLoans.com MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR SouthPointLoans.com'S SERVICES IS AT YOUR OWN RISK. SouthPointLoans.com AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIROFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR SouthPointLoans.com'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SouthPointLoans.com OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF SouthPointLoans.com, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnity

As a condition of using this web site and/or the services offered herein, you agree to indemnify SouthPointLoans.com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links to Third Parties

This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. SouthPointLoans.com does not operate or control in any respect any information, software, products or services available on such third party sites. SouthPointLoans.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Dispute Resolution

Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by SouthPointLoans.com, or to any acts or omission for which you may contend SouthPointLoans.com is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Palm Beach County, Florida and judgment on the arbitration award may be entered into any court of competent jurisdiction in Palm Beach County, Florida. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.

THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND SouthPointLoans.com WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using SouthPointLoans.com's service, you consent to these restrictions.

In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and SouthPointLoans.com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Montgomery county, Florida. 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 the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Other Terms

By providing your cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. However, message and data rates may apply from your wireless carrier. Please consult your wireless carrier for applicable text messaging fees. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.

These Terms constitute the entire agreement between you and SouthPointLoans.com. These Terms shall be governed by the laws of the State of Marylandwithout regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by SouthPointLoans.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. SouthPointLoans.com may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.

Questions

You may direct any questions concerning these Terms to: Info@SouthPointLoans.com.