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Privacy Policy

This Privacy Policy describes what information we collect, how we use and share it, and your rights — especially if you are a California resident. By using our Services, you agree to this Privacy Policy.

Last updated: August 10, 2025
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Core principles

When it comes to your personal information we believe in transparency, not surprises. Before the details, here are 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 policy.

Accountability

You trust us with your information, and this policy holds us accountable for protecting your rights and privacy.

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Notice at collection

The categories of personal information we collect, why we collect them, and how long we keep them (per CCPA/CPRA).

Category
Examples
Purpose
Retention
Identifiers
Name, postal address, email, phone, IP address
Provide Services, communicate, verify identity
Account active + up to 7 years
Customer records
Account login, payment information
Process transactions, detect fraud
Account active + up to 7 years
Commercial information
Service purchase history
Maintain records, improve Services
Account active + up to 7 years
Internet / network activity
Browsing history, device type, referring URL
Analytics, security, personalization
3 years
Geolocation data
GPS location, IP-based location
Personalization, fraud prevention
3 years
Audio / visual data
Customer support call recordings
Quality control, dispute resolution
2 years
Professional / employment
Job title, employer (if provided)
Loan application processing
Account active + up to 7 years
Sensitive personal info
SSN, financial account info, precise geolocation, credentials
Loan processing, legal compliance
Account active + up to 7 years

We do not sell or share personal information for cross-context behavioral advertising purposes, and we do not share data with third parties for marketing or promotional purposes.

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Information we collect

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

Account information — name, address, email and phone, used to set up your account and contact you.
Communications with us — support emails and their contents, kept so we can resolve your inquiries.
Files you provide — documents and content you upload, stored and processed to provide the Services.
Usage information — IP address, device or browser type, and the page you visited before ours, to analyze performance.
Location and cookies — used to customize, improve and protect the Services and remember your preferences.
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Sharing your information

We share your information only as described below.

Third parties you authorize — access you explicitly grant; their use is governed by their own policies.
Following the law — disclosures reasonably necessary to comply with law or prevent fraud or abuse; we scrutinize and challenge overbroad requests.
Others working for Loan Factory — trusted vendors for support, hosting and analytics, required to protect your data to the same standard.
Business transfers — in a merger, acquisition or sale of assets, information may transfer as part of the deal.
No marketing sharing

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

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Sensitive personal information

We collect sensitive personal information (e.g. SSN, financial account info, precise geolocation) only as necessary to provide Services, detect and prevent fraud, and comply with legal requirements. We do not use or disclose it beyond purposes allowed under the CPRA without your consent.

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Your privacy rights (California)

California residents have the following rights. We will respond within 45 days to verified requests.

Right to know

What categories and specific pieces of personal information we collect, use, disclose, or share.

Right to delete

Personal information we have collected, subject to legal exceptions.

Right to correct

Inaccurate personal information we hold about you.

Right to opt out

Of any sale or sharing of your personal information.

Right to limit

Use of sensitive personal information to only necessary purposes.

Non-discrimination

We will not discriminate against you for exercising your privacy rights.

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Data protection & retention

While no service is completely secure, we have a dedicated security team. We use firewalls, network redundancy, and vulnerability testing to keep your information safe. Payment information is transmitted using HTTPS encryption, and we maintain PCI DSS certification.

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

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Communications & text messages

We may email you service-related announcements and transaction updates, plus optional marketing you can unsubscribe from at any time. By providing your phone number, you consent to receive conversational SMS related to your mortgage inquiry, application, and status updates.

SMS

Reply STOP to opt out; reply HELP for support. Message & data rates may apply; frequency may vary. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

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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 in our Terms & Conditions.

Contact us

Questions about your privacy?

To access, correct, or delete your personal information, or to exercise any privacy right, reach out any time.

Privacy Policy — Loan Factory