Thanks for visiting Loan Factory! This Privacy Policy describes what information we collect, how we used and shared it, and your rights - especially if you are a California resident. Capitalized terms not defined here have the meanings set forth in our Terms & Conditions. By using our Services, you agree to this Privacy Policy. If you do not agree, you may not access or use our Services. If you have any comments or questions about this Privacy Policy, feel free to contact us.

1. Core Principles

When it comes to your personal information we believe in transparency, not surprises. So before we get into the details, we want to share with you a few of our core privacy principles.

• No Sale of Personal Information: We do not sell your personal information to anyone. It’s just not the type of business we’re in.
• Minimum Collection: We only collect what we need to provide or improve the Services.
• Controlled Sharing: We share your personal information only with your permission or as described in this Privacy Policy.
• Accountability: We appreciate that when you use our Services, you trust us with your information, and we take that responsibility very seriously. This Privacy Policy holds us accountable for protecting your rights and your privacy.

2. Notice at Collection – Categories & Purposes

The table below describes the categories of personal information we collect, the purpose of collection, and our retention practices.

We do not sell or share personal information for cross-context behavioral advertising purposes.

3. Information We Collect

When you use the Services, we collect the following information, and use it only as described below:

• 3.1. Account Information

  This may include your name, address, email address and phone number. We use this information in the ways you would expect, such as to set up your Account or contact you.

• 3.2. Third Party Account Information

  If you use Third Party Services, such as social media or photo-sharing services, you may provide us with your Third Party Services account information, such as your username (note that we don't store any passwords you use to access Third Party Services). We transmit, and may store, such account information, only as needed to provide the Services, and only in accordance with the terms and policies of the Third Party Services.

• 3.3. Communications With Us

  When you send us emails or other communications, such as customer support inquiries, we maintain those communications and their contents so that we can resolve your inquiries or otherwise assist you.

• 3.4. Public Comments On The Services

  We maintain any comments, contributions to discussions or messages submitted to users of the Services, in order to provide the Services.

• 3.5. Files You Provide Us

  When you use the Services, we store, process and transmit your User Content (such as your photos) and information related to your User Content. We process and store such files and information in order to provide the Services, as described in our Terms & Conditions.

• 3.6. Usage Information

  This includes information about your activity on and interaction with the Services, such as your IP address, your device or browser type, the webpage you visited before coming to our sites and identifiers associated with your devices. This information enables us to analyze how the Services are being accessed and used, and to track performance of the Services.

• 3.7. Location Information

  Your devices (depending on your settings) may transmit location information to the Services. We use this information to customize, improve and protect the Services. For example, we may use your location information to determine local language preferences, or to geotag a post.

• 3.8. Cookies And Other Technologies

  We use these technologies to do things such as remember your preferences, keep you safe and improve and promote the Services. You can read more about how we use these technologies in our Cookie Policy, which is incorporated by reference into this Privacy Policy.

4. Sharing Your Information

When you use the Services, we may share your information only as described below:

• 4.1. Third Parties You Authorize

  You can give third parties access to your and your End Users' information on the Services. For example, you may wish to integrate Your Sites with a third party newsletter service that requires access to the email addresses you collect from your End Users, in order for that newsletter service to send emails on your behalf and at your direction. Just remember that such third party's use of this information will be governed by the terms and privacy policies of the third party.

• 4.2. Following The Law

  We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to comply with the law, protect our rights or prevent fraud or abuse of Loan Factory or our users. When we receive law enforcement or national security requests for information, we strongly believe in privacy and transparency. We scrutinize such requests carefully and challenge vague, overbroad or otherwise unlawful requests. And when legally permitted, we provide our users with notice that their information is being requested. This notice is provided so that you have the opportunity to challenge such requests.

• 4.3. Others Working For Loan Factory

  Loan Factory uses certain trusted third parties to help us provide, improve, promote and protect the Services. For example, we may use third parties to help us provide customer support, manage our ads on other sites or assist with data storage. These third parties may access, process or store your information to perform tasks only for the purposes we've authorized, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy. We also may share with third parties aggregated or anonymized information that does not directly identify you.

• 4.4. Business Transfers

  If we're involved in a reorganization, merger, acquisition or sale of our assets, your information may be transferred as part of that deal.

We do not share data with third parties for marketing/promotional purposes.

5. Sensitive Personal Information

We may collect sensitive personal information (e.g., SSN, financial account info, precise geolocation) only as necessary to:

• Provide Services
• Detect and prevent fraud
• Comply with legal requirements

We do not use or disclose sensitive personal information for purposes beyond those allowed under the CPRA without your consent.

6. Your Privacy Rights (California Residents)

California residents have the following rights:

• 1. Right to Know - What categories and specific pieces of personal information we collect, use, disclose, sell, or share.
• 2. Right to Delete - Personal information we have collected, subject to exceptions.
• 3. Right to Correct - Inaccurate personal information.
• 4. Right to Opt-Out Of sale or sharing of personal information.
• 5. Right to Limit Use of Sensitive Personal Information - To only necessary purposes.
• 6. Right to Non-Discrimination – For exercising privacy rights.

How to Exercise Your Rights

• Email: [email protected]
• Phone: (660) 333-3333

Authorized Agents - You may designate an authorized agent; we will require verification of your identity and the agent’s authorization.

Verification Process – We verify requests by matching identifying information to your account records.

We will respond within 45 days to verify your requests.

7. Data Protection

While no service is completely secure, we have a security team dedicated to keeping your information safe. We employ security measures such as using firewalls to protect against intruders, building redundancies throughout our network (so that if one server goes down, another can cover for it) and testing for and protecting against network vulnerabilities. Payment information is transmitted using HTTPS encryption, and we maintain a PCI DSS certification.

8. Retention

We retain personal information only as long as necessary for the purposes disclosed in this policy, for legal compliance, or as otherwise required by law. Retention periods are listed in the “Notice at Collection” table above.

9. Location

Information that you submit through the Services may be transferred to countries other than where you live (for example, to our servers in the US). We also may store information locally on the devices you use to access the Services. We also may transfer information to third parties outside the US for processing or to support the Services, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy.

10. Access

To modify or delete the personal information you have provided to us, simply log into the Services and update your profile. We may retain certain information as required by law or for necessary business purposes. On request, we'll provide you with a copy of your personal information that we maintain. This request may be subject to a fee not exceeding the prescribed fee permitted by law.

11. Communications

We may periodically email you service-related announcements. We'll also send you emails related to your transactions. We may also send you marketing or promotional communications, but you can opt out of receiving subsequent marketing or promotional communications by clicking the link marked unsubscribe (or a similar phrasing) that's included in those communications.

12. End User Information

If you use our Services to operate your own sites, we may process your End Users’ information on your behalf, in accordance with this Privacy Policy. You are responsible for complying with applicable privacy laws for your End Users.

13. Text Message Disclosure

By providing your phone number, you consent to receive conversational SMS messages from Loan Factory, Inc. related to your mortgage inquiry, application, documentation, follow-up and status updates. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messenger frequency may vary.

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

14. Modifications

We may modify this Privacy Policy from time to time. When we do, we will post the updated version and update the “Last Updated” date. If a modification meaningfully reduces your rights, we’ll notify you in accordance with the procedures set forth in our Terms & Conditions.

15. Google Workspace API Usage

We affirm that Google Workspace APIs are not used to develop, improve, or train generalized AI and/or machine learning models.

We only request the minimum access necessary to provide our services and use Google Workspace data strictly for the purposes disclosed in this Privacy Policy and in accordance with the Google API Services User Data Policy.

We do not retain or use Google Workspace data to train generalized AI or ML models.