Privacy Policy

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide when using our services:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income, employment details, credit information (for mortgage applications)
• Account Information: Username, password, preferences, settings
• Communication Data: Messages, support inquiries, feedback

Automatically Collected Information

• Usage Data: Pages visited, features used, time spent on applications
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies and Tracking: Session cookies, preference cookies, analytics data

2. How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: Provide and maintain our applications and services
• Communication: Respond to inquiries, send updates, provide customer support
• Personalization: Customize your experience and provide relevant recommendations
• Analytics: Understand usage patterns and improve our services
• Legal Compliance: Comply with applicable laws and regulations
• Security: Protect against fraud, unauthorized access, and security threats

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following circumstances:

• Service Providers: Third-party vendors who help us operate our services
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Consent: When you explicitly consent to sharing
• Protection: To protect our rights, property, or safety, or that of others

4. Data Security

We implement comprehensive security measures to protect your information:

• Encryption: Data encrypted in transit and at rest using industry-standard protocols
• Access Controls: Role-based access with multi-factor authentication
• Regular Audits: Continuous monitoring and security assessments
• Secure Infrastructure: Protected servers and secure data centers
• Incident Response: Procedures for handling security breaches

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Account Data: Retained while your account is active
• Financial Records: Retained for 7 years as required by law
• Communication Records: Retained for 3 years for support purposes
• Analytics Data: Aggregated data retained indefinitely

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Opt-Out: Unsubscribe from marketing communications
• Restrict Processing: Limit how we use your information

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for basic functionality
• Preference Cookies: Remember your settings and preferences
• Analytics Cookies: Help us understand how you use our services
• Marketing Cookies: Deliver relevant advertisements (with consent)

You can control cookie settings through your browser preferences.

8. Third-Party Services

Our applications may integrate with third-party services:

• Payment Processing: Stripe for secure payment processing
• Email Services: SendGrid for email communications
• Analytics: Google Analytics for usage insights
• Support: Customer support and chat services

These services have their own privacy policies and terms of service.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for international transfers, including:

• Adequacy decisions by relevant authorities
• Standard contractual clauses
• Binding corporate rules
• Certification schemes

10. Children's Privacy

Our services are not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will promptly delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices in our applications

Continued use of our services after changes constitutes acceptance of the updated policy.