Privacy Policy

The short version: we use what you give us to quote, underwrite and close your loan, and to keep the records lending law requires. We don't sell it, and we don't hand it to anyone for their own marketing.

What we collect

• What you tell us — your name, contact details, the property, and the loan you're asking for, whether you type it into a form here or send it to us another way.
• Documents you upload — identification, insurance, entity paperwork, statements and anything else your file needs, together with the details we read from them.
• Mobile number and text-message consent — only if you choose to give one. We store the number, the exact consent wording shown on screen, where it was collected, the timestamp, and the IP address, as the record of what you agreed to.
• Transaction contacts — the title, escrow, insurance and appraisal companies working on your file.
• Basic technical records — the pages and links you open on our site, and security logs, so we can keep the service working and safe.

Our document reader is deliberately built never to extract Social Security numbers, dates of birth, or bank account numbers from what you upload.

How we use it

• To quote, underwrite, document and close your loan, and to service it afterwards.
• To tell you what your file still needs — by email, by phone, and by text if you asked for texts.
• To meet our obligations as a licensed lender, including record keeping.
• To keep the service secure.

We do not sell your personal information, and we do not share it with anyone for their own advertising.

Text messages

If you give a mobile number and tick the consent box, we text you about documents your loan is still waiting on, and nothing else. No message is sent to a number without a stored consent record. Replying STOP opts that number out immediately and across every loan file; HELP returns our details. Messages are only sent between 8am and 9pm in your local time, and consent is not a condition of any loan or service. The full detail, including the exact consent wording, is on our Text Messages page.

Who we share it with

Only where your loan needs it, or the law does: the title, escrow, insurance, appraisal and recording parties on your transaction; investors or participants in your loan; and the service providers that run our systems, under their own confidentiality and security terms. We may disclose information where law, regulation or a lawful request requires it.

Security

Traffic is encrypted in transit. Your file's upload links carry unguessable per-file tokens, and access is limited to the people working on your loan. No internet service can promise perfect security, but we keep access to what is needed to do the job.

Retention & deletion

Lending records must generally be retained for years, so files are kept rather than auto-deleted. To ask what we hold, to correct it, or to request deletion, contact us using the details below; we verify who is asking before acting, and we act subject to the records we are legally required to keep.

Your rights

Depending on where you live, including California, you may have the right to know what personal information we hold, to access or correct it, to ask us to delete it, and not to be treated differently for asking. Requests go to the contact below.

Other things worth knowing

• Our lending is for business and investment purposes; this site is not directed at children.
• Our systems are in the United States; using this site means your information is processed there.
• We use only the cookies needed to make the site work — no advertising trackers.
• If this policy changes materially, we update this page and the date above.

Contact

Contact us using the details on our home page.