1. Information We Collect.
We may collect the following types of information:
A. Information You Provide Directly
- Name, mailing address, email address, and phone number
- Details about the note you wish to sell (loan balance, interest rate, payment history, property address, borrower information, etc.)
- Financial documents you upload or send (paying history, note copy, mortgage/deed of trust, settlement statement, etc.)
- Banking or payment information (only if we proceed with purchasing your note)
B. Automatically Collected Information
- IP address, browser type, operating system, referring URLs
- Pages viewed, time spent on pages, and other analytics data via cookies and similar technologies
2. How We Use Your Information
We use the information we collect to:
- Evaluate and provide a quote for your note
- Communicate with you about your submission
- Process payments if we purchase your note
- Comply with legal and regulatory requirements
- Improve our website and services
- Prevent fraud and protect the security of our systems
3. Sharing Your Information.
We do not sell your personal information. We may share your information only in these limited cases:
- With trusted service providers (attorneys, title companies, servicers, payment processors) who assist in evaluating or purchasing your note and who are bound by confidentiality obligations
- To comply with laws, court orders, or government requests
- In the event of a merger, acquisition, or sale of all or part of our business
- With your explicit consent
4. Data Security.
We use industry-standard physical, technical, and administrative safeguards to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure.
5. Data Retention
We keep your information only as long as necessary for the purposes described in this policy or as required by law. Note submissions and related documents are typically retained for 7 years for tax and audit purposes.
6. Your Choices & Rights
- You may opt out of marketing emails at any time by clicking “unsubscribe” or contacting us.
- Depending on your location (e.g., California CCPA, Virginia VCDPA, Colorado CPA, etc.), you may have the right to access, correct, delete, or restrict the use of your personal information. Contact us using the information below to exercise these rights.
7. Third-Party Links
Our Site may contain links to third-party websites (e.g., title companies, loan servicers). We are not responsible for their privacy practices.
8. Children’s Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The new version will be posted on this page with an updated “Effective Date.”
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us