1. Information We Collect

Personal Information

We collect personal information that you provide directly to us, such as when you:

• Complete a loan application or request a quote
• Create an account on our platform
• Contact us for support or inquiries
• Subscribe to our newsletter or educational content
• Use our calculators and tools

This information may include:

• Name, address, phone number, and email address
• Social Security Number and date of birth
• Employment and income information
• Property and loan information
• Banking and financial information
• Credit and background check authorization

Automatically Collected Information

We automatically collect certain information when you visit our website, including:

• IP address and location data
• Browser type and version
• Pages visited and time spent on our site
• Referring website information
• Device information and operating system

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our services and user experience
• Provide targeted advertising and content
• Prevent fraud and enhance security

2. How We Use Your Information

We use the information we collect to:

• Process loan applications: Evaluate creditworthiness, verify information, and make lending decisions
• Provide customer service: Respond to inquiries, provide support, and communicate about your account
• Improve our services: Analyze usage patterns, develop new features, and enhance user experience
• Marketing and communications: Send newsletters, educational content, and promotional materials (with your consent)
• Legal compliance: Meet regulatory requirements and prevent fraud
• Business operations: Conduct internal analysis and maintain business records

3. Information Sharing and Disclosure

Service Providers and Partners

We may share your information with trusted service providers who help us operate our business, including:

• Credit reporting agencies and verification services
• Appraisal and title companies
• Technology providers and data processors
• Customer support and marketing service providers
• Legal and professional service providers

Legal Requirements

We may disclose your information when required by law, including:

• To comply with a subpoena, court order, or legal process
• To respond to government requests or regulatory inquiries
• To protect our rights, property, or safety
• To prevent fraud or investigate potential violations

Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the acquiring entity, subject to appropriate confidentiality agreements.

4. Data Security

We implement comprehensive security measures to protect your personal information, including:

• Encryption: All sensitive data is encrypted in transit and at rest
• Access controls: Restricted access to personal information on a need-to-know basis
• Security monitoring: Continuous monitoring for unauthorized access or breaches
• Regular audits: Periodic security assessments and vulnerability testing
• Staff training: Regular privacy and security training for all employees

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

Access and Correction

You have the right to access, correct, or update your personal information. Contact us to:

• Request a copy of your personal information
• Correct inaccurate or incomplete information
• Update your contact preferences

Marketing Communications

You can opt out of marketing communications by:

• Clicking the unsubscribe link in our emails
• Contacting us directly at the information below
• Updating your preferences in your account settings

Cookies and Tracking

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Pursue legitimate business interests

Loan application and related financial information may be retained for up to seven years or as required by law.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you use.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: