THE INFORMATION WE COLLECT At the Concordia Homes® Web site, you can view our products, request information, and gather information about purchasing one of our homes, including tips on moving, home design and customer home care service. The types of personally identifiable information that may be collected at these pages include: name, address, e-mail address, home, work, and cellular telephone numbers, fax number, household income, your occupation and information about your interests in and use of various products and services.

At certain parts of our Web site, only persons who provide us with the requested personally identifiable information will be able to obtain information regarding our products and services, or otherwise participate in the site's activities and offerings. We also collect certain non-personally identifiable information when you visit many of our Web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using (e.g., Windows 2000 or Mac OS), and the domain name of your Internet service provider (e.g., America Online, Earthlink).

HOW WE USE THE INFORMATION We use the information you provide about yourself to fulfill your requests for our products and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you.

Concordia Homes® will also use this information for market research purposes, tracking sales, developing prospect lists and planning projects. We may also share your information with our preferred lender. Information on viewers gathered from inquiries at our Web site may be used for purposes of offering you property in a Concordia Homes® community or other offerings of its subsidiaries. The use of our Web site constitutes your permission for such uses.

We may disclose personally identifiable information in response to legal process, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request or where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms of use, or as otherwise required by law. In addition, we may transfer information about you if we are acquired by or merged with another company.

Affiliates, subsidiaries, agents and contractors of Concordia Homes® who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for Concordia Homes®.

COLLECTION OF INFORMATION BY THIRD PARTY SITES AND SPONSORS Our web site contains links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy policies, as we have no control over information that is submitted to, or collected by, these third parties.

We sometimes may offer content (e.g., promotions, easy to access consumer information concerning home financing, design, insurance and title) that is sponsored by or co-branded with identified third parties. By virtue of these relationships, the third parties may obtain personally identifiable information that visitors voluntarily submit to participate in the site activity. We have no control over these third parties' use of this information. At some Concordia Homes® Web sites, reputable third parties may present or serve the advertisements. Our Privacy Policy does not cover any use of information that a third party ad server may collect from you.

COOKIES AND OTHER TECHNICAL INFORMATION We send "cookies" to your computer primarily to enhance your online experience. "Cookies" are files that can identify you as a unique customer and store your personal preferences as well as technical information (including click through and click stream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). We may also use tracking systems such as "Web beacons," which monitor your use of our sites. Tracking systems (Web beacons or Web bugs) are small strings of code that provide a method for delivering a graphic image on a Web page for the purpose of transferring data, such as the IP (Internet Protocol) address of the computer that downloaded the page on which the Web beacon appears, the URL (Uniform Resource Locator) of the page on which the Web beacon appears, the time the page containing the Web beacon was viewed, the types of browsers that fetched the Web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, Web beacons let us know whether you received and opened our e-mail.

On their own, cookies or Web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish the site with personally identifiable information, this information can be linked to the data stored in the cookies/Web beacons.

By accepting this Privacy Policy, you specifically agree to our use of cookies and Web beacons as described herein. You may adjust your browser to reject cookies from us or from any other Web site. Additionally, by setting your Web browser to display HTML e-mails as text only, you may be able to prevent the use of some Web beacons. Please consult the "Help" section of your browser for more information. However, certain areas of our sites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.

OUR COMMITMENT TO SECURITY Concordia Homes® cares about your privacy and have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.

NOTIFICATION OF CHANGES TO PRIVACY POLICY This Privacy Policy is effective as of the expressed "Effective Date" written above and may be updated and modified from time to time by us in our sole discretion. Concordia Homes® will notify you of any material changes to its privacy policy by updating this Privacy Policy. We encourage you to review this Privacy Policy periodically in order to stay apprised of our current privacy practices. Users will also be notified of material changes by the use of informative pop-up windows. If you do not agree to any provision of this Privacy Policy, or any update or modification hereto, please do not use our sites.