Introduction

This Privacy Policy (the “Privacy Policy”) describes how LoanDesk LLC (“LoanDesk”) collects and uses Personal Information obtained through its website, mobile applications, email, text, and other electronic communications.  LoanDesk is sometimes referred to in this Privacy Policy as the “Company,” or “we,” “our,” or “us.” 

The Company is a technology-enabled mortgage loan brokerage platform headquartered at 340 Fremont St., #3703, San Francisco, CA, 94105.  We offer a variety of mortgage loan products, including, conventional, conforming, VA, FHA, non-conforming, and non-QM residential mortgage loans on residential real property  (our “Service Offerings”). 

This Privacy Policy describes the types of information we may collect from users of our Services, including without limitation the individual consumers, business representatives, borrowers, and website visitors who visit or use our website located at www.loandeskmortgage.com (“Website”) or any of our related mobile applications (our “Apps”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. For purposes of this Privacy Policy, our Website, Apps and all related services and functionality that we provide or make available through them are referred to as our “Online Services,” and together with our Service Offerings, are collectively referred to as our “Services.”  This Privacy Policy is not applicable to any web page, mobile application, social media site, or information collected and/or owned by any entity other than the Company and does not apply to information collected by any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Services.  Any questions regarding the privacy practices of a third party, including but not limited to any third-party website that links to the Services, should be directed to that third-party. 

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use the Services.  This Privacy Policy may change from time to time (see Changes to Our Privacy Policy, referenced below).  Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check this Privacy Policy periodically for updates.

Age Requirement

Our Services are not intended for children under 18 years of age. No one under age 18 may provide any information to or through the Online Services. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on or in our Online Services or on or through any of their features, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received Personal Information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from a child under 18, please email us at support@radiusagent.com.  By using the Services, you affirm that you are at least of the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Policy, and to abide by and comply with this Privacy Policy.

Information We Collect

The information we collect, use, process, and share about you depends on who you are and how we interact with you. Generally, Personal Information (as defined below) is data that identifies you or that makes you identifiable. It includes information that could be used to identify, locate, track or contact you, as specified below. We may link or combine your activities and information collected from you on our Website and Apps with information we have collected from you offline, information we receive from third parties, as well as information we collect automatically through Tracking Technologies (as defined below). We may also utilize session-replay technologies, which are software code to log your interactions with the Services in a manner that allows us to reproduce your click mouse movements, scrolls, and keystrokes/key touches during sessions.  This information allows us to provide you with a personalized experience regardless of how you interact with us and helps us diagnose any usability problems to improve our Services.

Types of Information Collected

The Company, its Affiliates, and any third-party service providers not affiliated with the Company that it engages for the purpose of administering, operating, hosting, configuring, designing, maintaining, and providing internal support for the Services (collectively, “Unaffiliated Third Parties”), may collect two types of information when you use the Services: Personal Information and Usage Information. Personal Information may include some Usage Information.

1. Personal Information: Generally, you can access the Website without entering any Personal Information. In certain cases, we may ask you for Personal Information on our Website to provide a requested service, carry out a transaction that you have requested, or if you choose to set up a User Account (defined below). When we provide you mortgage broker Services, we are required to collect certain Personal Information. The types of information we collect may include, among other things, the following categories of information (collectively, “Personal Information”):

   
   

   1. If you are a Customer and/or visitor to the Online Services or otherwise use the Services we provide:

   1. Contact information such as your name, title, company/agency name, email address, username and password, telephone and facsimile numbers, and postal address.

   2. Information concerning the real property for which you are seeking a mortgage loan product.

   3. Demographic information such as date of birth, nationality and country of residence.

   4. The specific products or services ordered or requested by you, including the real estate Services, and information related to your purchases or transactions, including but not limited to your payment account information and feedback about the products or services you purchased.

   5. The contents of any communication you send us.

   6. Financial information and account numbers, including without limitation, bank name, bank account number, bank routing number and other information necessary to disburse commission payments (collectively, “Financial Information”). 

   7. Information about your device or use of the Services when you request technical support.

   8. Other information specific to you which you voluntarily provide to us, including without limitation Financial Information.

   9. Additional information necessary to underwrite your loan or issue you tax forms, as applicable, including but not limited to information concerning your profession and/or income, your financial assets and liabilities and your Social Security Number.
      
      

   ii. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee:

   1. Contact information such as your name, title, company/agency name, email address, username and password, telephone and facsimile numbers, professional licensing information, and postal address.

   2. Demographic information such as date of birth, nationality and country of residence.

   3. Information about your role with the company and performance, and Personally Identifiable Information obtained from our computer monitoring software, including communications received and sent, and  information entered into websites, software, documents, and applications. 

   4. The contents of any communication you send us.

   5. Information about your device or use of the Services when you request technical support and perform your duties as an employee or Consultant.

   6. Information necessary to employ or contract with you, including but not limited to your Social Security Number and financial account numbers.

   7. Other information specific to you which you voluntarily provide to us.

      
      

2. Usage Information: The types of usage information we collect may contain information about your visit to the Online Services, such as the following categories of information (collectively, “Usage Information”):

   
   

   1. Internet Protocol (or “IP”) address, protocol, and sequence information;
      
      

   2. browser language and type;
      
      

   3. domain name system requests;

   
   

   4. material and pages viewed;

   
   

   5. time and date of access to the Online Services;

   
   

   6. number of bytes transferred;

   
   

   7. number of clicks per visit;

   
   

   8. operating system and platform, device type, and device identifiers;

   
   

   9. hypertext transfer protocol headers, application client and server banners, and operating system fingerprinting data; and

   
   

   1. MAC address, device ID / UDID, or similar device-specific code.
      
      

3. Location Information: Information about your location collected through geolocation technology.  The information we collect automatically may include Personal Information or we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. It helps us to improve our Online Services and to deliver a better and more personalized service by enabling us to:  estimate our audience size and usage patterns; improve our product and services offerings; store information about your preferences, allowing us to customize our Online Services according to your individual interests; recognize you when you return to our Online Services.

   
   

How We Collect Information About You

How we collect information from you depends on how you interact with us and the Services. Please note that you can interact with the Company in more than one way. In that case, how we collect information from you may be addressed in multiple ways as follows:

1. If you are a Customer and/or visitor to the Online Services or otherwise use the Services we provide.  When you use the Services, we collect the following Personal Information about you:

   
   

   1. Some online Services may allow you to set up accounts to participate in our Services and online communities (your “User Account”). When you setup a User Account, we collect your name, email address, phone number, and any information you voluntarily enter for a particular property, including items related to your mortgage loan application;

   2. when you use our Services, we may collect your name, address, email address, phone number, and the specific services you have requested;

   3. when you complete a form or application on the Website and/or App(s), ask to sign up for our mailings or updates, or send us a communication, we may collect your name, email address, phone number, Financial Information and the specific contents of your communication to us. For example, if you send us a question about a particular product, we may retain a copy of your request;

   4. if you interact with us on social media, we may collect your social media account username and the contents of your interaction with us;

   5. from our partners or service providers we may receive your name, email address, phone number, information you enter to search for properties or agents, your User Account information, and any other information you voluntarily provide to our partners or service providers;

   6. when you visit the Online Services, we also collect Usage Information from your device; and

   7. when you choose to use the artificial intelligence features (“AI Features”) of the Services, we may collect recorded call information, summaries of conversations with you and other third parties and/or calendar and other Personal Information that you provide while using the AI Features.
      
      

2. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee.  If you are employed by or contract with the Company as a Consultant, or if you have applied for employment or are a former employee or Consultant of the Company, we collect the following Personal Information about you:

   
   

   1. when you submit an application or a resume, we collect your name, mailing, address, phone number, email address, employment history, education experience, academic agrees earned, if any, professional certifications and licenses, and any other Personal Information you include on the application or resume;

   2. prior to making an offer of employment or a Consultant position, we collect Personal Information about you received from third parties such as background and credit report service providers and persons you list as references;

   3. if we extend an offer of employment or a Consultant position at the Company to you, we will process Personal Information about the position to which you have been appointed, your job title at the Company, your signature,  state of residence, social security number or other government issued identification number, and any other information required for your applicable tax form;

   4. as an ongoing employee or Consultant of the Company, we may collect Personal Information about your nationality, state of residence, email address, office or other workplace location, work phone number, mobile phone number, photographs, passport, visas, marital status, beneficiaries, financial account information, information about your employment or contract with the Company, information received from devices you use to connect to the Company systems, our employee computer monitoring software, information collected as part of multi-factor authentication, and other information you provide in connection with your status as an employee or Consultant of the Company; and
      
      

Information We Collect Automatically

As you navigate through and interact with our Online Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns. For example, we collect, record and store information about your activity when you access and use our Online Services, the Internet, and other online activity information, such as browsing history, search history, and information regarding your interaction with our Online Services and other websites. We use various technologies to collect and store location information, including cookies, pixels or pixel tags, local storage, such as browser web storage or application data caches, databases, session recording and replay technology, and server logs. 

The technologies we use for this automatic data collection may include:

1. Cookies (or browser cookies). We and our service providers may use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with our Online Services through your computer or mobile device. A cookie is a small file or piece of data sent from a website and stored on the hard drive of your computer or mobile device. On your computer, you may refuse to accept browser cookies by activating the appropriate setting on your browser, and you may have similar capabilities on your mobile device in the preferences for your operating system or browser. However, if you select this setting you may be unable to access or use certain parts of our Online Services. Unless you have adjusted your browser or operating system setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website or use our Apps.

2. Pixels and Web Beacons. Pages on our Online Services, or our e-mails, may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related Online Services statistics (for example, recording the popularity of certain Online Services content and verifying system and server integrity).

3. Google Analytics. We may use Google Analytics, a web analytics service provided by Google, Inc. (“Google”) to collect certain information relating to your use of our Website. Google Analytics uses “cookies”, which are text files placed on your computer, to help our Website analyze how users use the site. You can find out more about how Google uses data when you visit our Website by visiting “How Google uses data when you use our partners' sites or apps,” (located at www.google.com/policies/privacy/partners/). We may also use Google Analytics Advertising Features or other advertising networks to provide you with interest based advertising based on your online activity. For more information regarding Google Analytics please visit Google's website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html.

4. Intercom. We may use Intercom, a web service provided by Intercom, Inc. (“Intercom”) to collect certain information relating to your use of our Website. Intercom uses “cookies”, which are text files placed on your computer, to help our Website analyze how users use the site. You can find out more about how Intercom uses data when you visit our Website by visiting https://www.intercom.com/legal/privacy. We may also use Intercom to provide advertising features or other advertising networks to provide you with interest-based advertising based on your online activity.

5. Other Analytics Services. In addition to the above technologies, the Company may use additional analytics tools from time to time, which may collect additional Personal Information or information concerning your use of the Services.

How We Use Collected Information

We use your Personal Information for the purposes for which it was collected, unless otherwise required by law.  In general, we use information that we collect about you or that you provide to us, including any Personal Information: to provide our Website(s) and their functionality, contents and services; to provide our App(s) and their functionality, contents and services; to provide our Services to you; to provide you with information, products, or services that you request from us or that may be of interest to you; to process, fulfill, support, and administer transactions and orders for products and Services ordered by you; to personalize your experience with our Services and to deliver content and product and service offerings relevant to your interests; to market our financial products and services, such as mortgage and other loan offerings; to determine your eligibility for our financial products and services, such as mortgage and other loan products; to provide personalized and interest-based advertising; to provide you with notices about your Company account; to contact you in response to a request; to fulfill any other purpose for which you provide it; to notify you about changes to our Online Services or any products or services we offer or provide though them; in any other way we may describe when you provide the information; and for any other purpose with your consent.  More specifically:

1. If you are a Customer and/or visitor to the Online Services or otherwise use the Services we provide.  We use the Personal Information we collect about you in order to make the Services available to you. Specifically, we use Personal Information to:

   1. set up and manage your User Account, including processing your requests for information, provide support, products, or services to you, review internal procedures, analyze your use of the Services, and/or  customize the Services to your particular preference or interests;

   2. deliver Services or carry out transactions you have requested or in which you may be interested, such as to shop for loan products that meet your search criteria;

   3. display advertisements and send you promotional and other information about existing and new services, products, and special offers of the Company and Unaffiliated Third Parties using Personal Information you provide to us and/or Unaffiliated Third Parties; 

   4. information collected by our Online Services may be combined with information we collect about you by other means; 

   5. enhance the safety and security of the Services, prevent fraud, monitor for intrusions or unauthorized access, and protect the rights of visitors to the users of the Services; and

   6. comply with legal and regulatory obligations or for the performance of our contract with you, if applicable.
      
      

2. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee.  We use the Personal Information you provide to us to:

   1. process your job application;

   2. consider you for employment;

   3. extend an offer of employment or Consultant position;

   4. provide employment-related benefits to you, if applicable;

   5. consider you for continued employment;

   6. evaluate your performance;

   7. manage our business;   

   8. process the discontinuation of your relationship with the Company;

   9. detect fraud and security incidents;

   10. fulfill our employment or contracting obligations to you; and

   11. comply with applicable law.
       
       

3. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee. We use the Personal Information you provide to us to:

   1. process your job application;

   2. consider you for employment;

   3. extend an offer of employment or Consultant position;

   4. provide employment-related benefits to you, if applicable;

   5. consider you for continued employment;

   6. evaluate your performance;

   7. manage our business;

   8. process the discontinuation of your relationship with the Company;

   9. detect fraud and security incidents;

   10. fulfill our employment or contracting obligations to you; and

   11. comply with applicable law.

Disclosure of Your Personal Information

The Company may engage Unaffiliated Third Parties to perform certain business-related functions and services on their behalf. These Unaffiliated Third Parties are provided with information required to perform their specific function, which may include Personal Information. We impose contractual obligations on our Unaffiliated Third Parties to limit their use of your Personal Information to those purposes specified below. In certain cases, we may obtain additional consent from you to disclose your Personal Information as described below.

1. If you are a Customer and/or visitor to the Online Services or otherwise use the Services we provide.  We may sell or share Personal Information we collect during your use of the Services to:

   1. enable our software and service providers to provide information you requested, such as when you use a mortgage calculator, or use other third-party features made available through the Services, or to confirm your identity when logging into your User Account.

   2. connect you with a participating lender, if you have shown an interest in any residential real properties, requested prequalification for a specific real property, or requested that we disclose your information to receive information about lending services;   

   3. our hosting providers may have access to any Personal Information you enter into the Services, such as your name, email address, phone number, and User Account information;

   4. our Affiliates and Unaffiliated Third Parties, for purposes of providing Services on our behalf and marketing their products and services to you;

   5. we may disclose your name, address, and email address to our email or mailing service provider in order to deliver newsletters, flyers, or marketing to you. We require that these parties agree to process your Personal Information in compliance with our Privacy Policy and applicable law. These parties may store some or all of your Personal Information on servers outside of the United States. The use of your information by one of our Affiliates or Unaffiliated Third Parties may be subject to that party’s own privacy policy;

   6. we may disclose your Personal Information when we have reason to believe that someone is or may be causing injury to or interference with our rights or property, other users of the Services, or anyone else that could be harmed by such activities;

   7. we may also disclose your Personal Information for the specific purposes you request, as directed by you;

   8. we may disclose your Personal Information to our providers, event coordinators, and sponsors in connection with an event for which you registered; and

   9. our web analytics providers, cookies, and web beacons may have access to your Personal Information in order to analyze certain features of the Services and display advertisements, but this is usually limited to Usage Information.
      
      

2. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee.  We disclose your Personal Information only when necessary to fulfill our employment or contracting obligations to you as a Consultant, such as:

   1. our service providers that assist with fulfilling payroll or providing other employment benefits, processing payments, managing our insurance, and providing customer service;

   2. companies or individuals that will provide information for our consideration of your application for employment with the Company, such as background check service provider or persons you list as references; 

   3. governmental authorities that manage employment or collect/process taxes; 

   4. companies or individuals to whom you will provide services as part of your job or Consultant duties with the Company; and

   5. We may disclose your Personal Information to our service providers, event coordinators, and sponsors in connection with an event for which you registered.
      
      

3. Other Disclosures.  We may disclose your Personal Information to our database management provider in order to store your Personal Information for purposes set forth in this Privacy Policy.  In certain situations, we may be required to disclose your Personal Information without your consent to:

   1. protect our rights;

   2. prevent or detect fraud or breaches of security;

   3. satisfy local, state, or federal laws;

   4. legal and governmental authorities and other third parties when compelled to do so by law, for example, by court order or subpoena, or by regulation; and

   5. complete a merger or acquisition concerning the Company, or a sale of our assets.

Choices You Have With Your Personal Information

You may be able to choose how we use or store your Personal Information, depending on your interactions with us.

1. If you are a Customer and/or visitor to the Online Services or otherwise use the Services we provide.  

   1. You are under no obligation to create a User Account, and you may access the Online Services and use some Services without submitting any Personal Information. You may also delete your User Account at any time.  However, in the event your Personal Information is essential for us to provide certain products or Services to you, like prequalifying you for a mortgage loan or other product, we will be unable to provide you with those products or Services if you choose to withhold requested Personal Information. For example, if you request information about a loan product but do not provide a means of contact, we will be unable to fulfill your request.

   
   

   2. Each advertising email communication we send includes an unsubscribe link allowing you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within ten (10) business days, unless a shorter time period is prescribed by applicable law.   
      
      

   3. You may opt out of many disclosures or uses of your Personal Information by notifying us by email at the address provided herein or submitting a Do Not Sell or Share My Personal Information Request, or by following the procedures set forth in an electronic communication from us, if applicable. Please note that we may not be able to honor your request to opt-out of certain uses and disclosures of your Personal Information in order to fulfill our legal obligations or contractual obligations with you.

   
   

   4. You may opt-out of targeted advertising by adjusting your cookie preferences on our Sites, visiting the opt-out request pages of industry groups providing broad opt-out options like the Network Advertising Initiative, Digital Advertising Alliance, or by visiting the specific ad networks like Google, LinkedIn, Twitter, and Meta. Please note that opting out with industry groups or advertising networks will only apply to the specific browser or device from which you opt-out. On your mobile device you may also go to your device settings and select “Limit Ad Tracking” (iOS devices) or “Opt-out of interest-based ads” (Android devices), which will allow you to limit our use of information collected from or about your mobile device for the purposes of displaying online targeted advertising to you.

   
   

   1. Where applicable, we will undertake reasonable efforts to notify third parties with whom we have sold or shared your Personal Information as permitted under this Privacy Policy of your election to opt out. If you do not opt out, we may continue to collect, use, and disclose your Personal Information as set forth in this Privacy Policy.
      
      

2. If you are an employee, third-party consultant (“Consultant”), job applicant, or former employee.

   1. If you apply for a job or to be a Consultant with the Company, we will keep your Personal Information in our application database for future consideration unless you direct us not to do so.

   
   

   2. If you are a current employee or Consultant or a former employee or Consultant, we must obtain and retain some Personal Information in order to comply with our obligations or applicable law. When we no longer have a legitimate need to retain your Personal Information or are no longer required by law to retain your Personal Information, we will delete it in accordance with our data retention standards.

   
   

   3. You may opt out of many disclosures or uses of your Personal Information by notifying us by email at the address provided herein or submitting an Do Not Sell or Share My Personal Information Request, or by following the procedures set forth in an electronic communication from us, if applicable. Please note that we may not be able to honor your request to opt-out of certain uses and disclosures of your Personal Information in order to fulfill our legal obligations or contractual obligations with you.
      
      

   4. You may opt-out of targeted advertising by adjusting your cookie preferences on our Sites, visiting the opt-out request pages of industry groups providing broad opt-out options like the Network Advertising Initiative, Digital Advertising Alliance, or by visiting the specific ad networks like Google, LinkedIn, Twitter, and Meta. Please note that opting out with industry groups or advertising networks will only apply to the specific browser or device from which you opt-out. On your mobile device you may also go to your device settings and select “Limit Ad Tracking” (iOS devices) or “Opt-out of interest-based ads” (Android devices), which will allow you to limit our use of information collected from or about your mobile device for the purposes of displaying online targeted advertising to you.

      
      

Links to Third Parties

The Services may contain links to websites maintained by third parties. If you submit Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to read the privacy policy of any website you visit carefully.

Blog and Community Forum

Our Online Services offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request the removal of your Personal Information from our blog or community forum, please get in touch with Customer Support at support@radiusagent.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. Our blog is also managed by a third-party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third-party application if you want the Personal Information that was posted in the comments section removed. To learn how the third-party application uses your information, please review their privacy policy.

Social Media

Our Online Platforms and Services do not currently, but may in the future, include social media features. When and if offered, these features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function correctly. Your interactions with these features and widgets are governed by the privacy policy of the company providing them.

Picture Collection and Storage

We do not currently collect or store user pictures.

Security

We follow generally accepted industry standards to protect the Personal Information submitted to the company, both during transmission and once the company receives it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect our user’s Personal Information, we cannot guarantee its absolute security.

User Account Profile

The Company stores information collected through cookies or log files to create a “profile” of user preferences. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, or clickstream data. The Company ties users’ Personal Information to information in their profile in order to provide tailored promotions and marketing offers and improve the content of the Services for the user.

Contact Us

If users have any questions or suggestions regarding the company privacy policy, please contact company at support@loandeskmortgage.com.