Privacy Policy

1. Information we collect

• Contact details: name, phone number, email address, preferred language and mailing address.
• Application details: employment and income, assets, debts, housing history, the property and the loan you are seeking, and identifiers such as date of birth and Social Security number when your lender requests them.
• Documents you upload: for example pay stubs, W-2s, tax returns, bank statements and identification, and the data we extract from them.
• Conversations: recordings, transcripts and content of chats, calls and texts with our AI assistants.
• Device and usage data: IP address, browser and device type, pages viewed, referring site, approximate location and identifiers collected by cookies and similar technologies (see our Cookie Policy).
• Information from others: our Customers and the verification, credit and document services they use may give us information relevant to your application.

2. How we use information

• To provide the Services to our Customers: answer your questions, collect and organize your documents, prefill forms, check documents and prepare your file for review.
• To communicate with you by chat, phone, text and email about your application.
• To keep the Services secure, prevent fraud and abuse, and enforce our Terms.
• To improve quality, train staff and test our systems. We de-identify or aggregate information for this where reasonably possible, and we do not use borrower documents to train general-purpose AI models from third parties.
• To comply with law and respond to legal process.

3. How we share information

We share personal information only as described here.

• With the Customer you are working with, so they can evaluate and process your application. This is the core purpose of the Services.
• With service providers that work for us under contract, such as cloud hosting, telephony and messaging, transcription, analytics, security, identity and document tools, and AI model providers. They may use the information only to provide services to us.
• For legal reasons: to comply with law, enforce our agreements, or protect rights, safety and property.
• In a business transfer, such as a merger, financing or sale of assets, subject to this Policy.
• With your direction or consent.

We do not sell your personal information, and we do not share it for third-party advertising.

4. Cookies and tracking

We use cookies and similar technologies as described in our Cookie Policy. We respond to Global Privacy Control (GPC) signals as a request to opt out of sharing for cross-context behavioral advertising, where required by law.

5. Retention

We keep personal information only as long as needed to provide the Services to our Customers, to meet legal, accounting and record-keeping obligations, and to resolve disputes and enforce agreements. Mortgage records are often subject to retention rules that apply to the Customer. When information is no longer needed we delete or de-identify it. Call recordings are kept for 24 months unless a longer period is required by law or our Customer.

6. Security

We use administrative, technical and physical safeguards, including encryption in transit and at rest and role-based access controls, to protect personal information. No system is completely secure, so we cannot guarantee absolute security. If a breach affects you, we will notify the affected Customer and, where the law requires, you.

7. Your privacy rights

Depending on where you live (for example California, Colorado, Connecticut, Virginia, Texas and other states with privacy laws), you may have the right to:

• Know and access the personal information we hold about you.
• Correct inaccurate information.
• Delete your information, subject to legal exceptions.
• Obtain a portable copy of your information.
• Opt out of the sale or sharing of personal information and of targeted advertising. We do not sell personal information.
• Limit the use of sensitive personal information. We use it only to provide the Services and as the law permits.
• Not be discriminated against for exercising your rights.

Some laws, such as the Gramm-Leach-Bliley Act, exempt financial information collected for a loan application from certain state privacy rights. To make a request, email contact@loanwren.com. Because we usually act for the Customer, we may need to direct your request to them. We will verify your identity and respond within the time the law allows (generally 45 days). You may use an authorized agent, and you may appeal a denial by replying to our response.

8. California disclosures

In the past 12 months we have collected the categories of information listed in Section 1 (identifiers, personal and financial records, commercial information, internet activity, geolocation, audio recordings and inferences) and disclosed them for business purposes to the categories of recipients in Section 3. We have not sold personal information or shared it for cross-context behavioral advertising. California residents may also request information about disclosures for third-party direct marketing under Civil Code 1798.83.

9. Children

The Services are not directed to children under 13 and we do not knowingly collect their information. If you believe a child has given us information, contact us and we will delete it.

10. Language

We offer our Services in English and Spanish. If there is a conflict between a translation and the English version of this Policy, the English version controls to the extent permitted by law.

11. Changes to this Policy

We may update this Policy. We will post the new version here with an updated effective date and, for material changes, give additional notice where required.

12. Contact us

Loanwren Inc., a Delaware corporation. Email: contact@loanwren.com.