Privacy Policy

Table of Contents

1. Overview
2. Information We Collect
3. How We Use Information
4. Cookies and Tracking
5. Third-Party Providers
6. Data Retention
7. Security
8. California Privacy Rights
9. Children's Privacy
10. International Visitors
11. Contact

1. Overview

Loan Officer Web Studio provides technology, website, marketing, hosting, maintenance, lead capture, analytics, and related services for mortgage professionals. This Privacy Policy explains how Loan Officer Web Studio collects, uses, discloses, and protects information in connection with its websites, subscription intake, customer dashboard, lead management features, and related services.

Loan Officer Web Studio is not a lender, bank, mortgage broker, mortgage servicer, financial advisor, law firm, or provider of legal, lending, or compliance advice.

2. Information We Collect

We may collect information customers, visitors, and users provide directly, including name, email address, phone number, company name, business information, mortgage licensing information, NMLS identifiers, brokerage information, website preferences, social media links, scheduling links, support requests, compliance reviewer information, and content submitted for website customization.

We may collect website and technical information, including IP address, browser type, device information, operating system, referring URL, pages viewed, actions taken, date and time of access, cookies, and similar technologies.

If customer websites use Loan Officer Web Studio lead capture tools, borrower-facing forms may collect lead information submitted by visitors, such as name, email, phone number, city, state, loan purpose, estimated home price or loan amount range, credit score range, timeframe, preferred contact method, message, and scheduling activity.

3. How We Use Information

We may use information to provide, operate, maintain, secure, and improve the services; create and customize customer websites; route lead notifications; provide customer support; process subscription intake; manage accounts; send service, billing, administrative, and marketing communications; analyze usage; prevent fraud; maintain security; and comply with legal obligations.

Loan Officer Web Studio does not use submitted information to make mortgage credit decisions, provide loan approvals, issue rate quotes, or provide lending services.

4. Cookies and Tracking

We may use essential cookies, functional cookies, analytics cookies, and similar technologies to operate websites, maintain sessions, remember preferences, analyze usage, protect forms from abuse, and improve the services. Users may manage cookies through browser settings, but disabling certain cookies may affect functionality.

5. Third-Party Providers

We may use third-party providers for hosting, database storage, authentication, email delivery, CRM tools, scheduling tools, analytics, captcha or anti-abuse protection, payment processing, domain management, and support. These providers may process information on our behalf according to their own terms and privacy practices.

Examples may include hosting providers, CRM providers, email providers, analytics providers, scheduling providers, security providers, and payment processors.

6. Data Retention

We retain information for as long as reasonably necessary to provide services, maintain business records, resolve disputes, enforce agreements, comply with legal obligations, and support security and fraud prevention. Retention periods may vary based on account status, service type, legal requirements, and operational needs.

7. Security

We use commercially reasonable administrative, technical, and organizational measures designed to protect information. No system can be guaranteed completely secure, and customers are responsible for maintaining the confidentiality of their account credentials.

8. California Privacy Rights

California residents may have rights under applicable privacy laws, including rights to request access, deletion, correction, portability, and information about certain disclosures. Where applicable, California residents may also have the right to opt out of certain sharing or sales of personal information.

Loan Officer Web Studio does not knowingly sell personal information as that term is commonly understood, but the final policy should be reviewed against actual tracking, advertising, analytics, and data sharing practices.

Requests may be submitted to [PRIVACY_CONTACT_EMAIL]. We may need to verify identity before processing a request.

9. Children's Privacy

The services are intended for business users and are not directed to children under 13. We do not knowingly collect personal information from children under 13.

10. International Visitors

The services are operated from the United States. International visitors understand that information may be processed in the United States, where privacy laws may differ from those in their jurisdiction.

11. Contact

Questions about this Privacy Policy may be directed to:

Loan Officer Web Studio [MAILING_ADDRESS] [PRIVACY_CONTACT_EMAIL]