Privacy Policy

LoanDeck (“LoanDeck,” “we,” “us,” or “our”) is operated by LoanDeck LLC, a company based in Long Beach, California. This Privacy Policy explains how we collect, use, disclose, and protect information when you use LoanDeck at loandeck.app (the “Service”).

By using the Service, you agree to the practices described in this policy.

1. Who This Policy Applies To

This policy applies to two types of users:

Brokers — licensed mortgage professionals who create accounts and use LoanDeck to build loan comparisons.

Clients — borrowers who receive and view a shared comparison link from a broker. Clients do not create accounts.

2. Information We Collect

From Brokers (account holders)

Account information:

• Name, email address, and password when you sign up
• Google account information if you sign in with Google (name, email, profile photo)

Professional profile information:

• NMLS license number, state license number, company name, company NMLS number
• Phone number, website, booking URL, LinkedIn profile, Instagram handle
• Title (e.g., Senior Loan Officer)
• Brand preferences including accent color, flyer theme, default credit score, and default disclaimer text

Comparison data:

• Loan scenarios you build, including loan type, rate, term, purchase price, down payment, and other financial inputs
• Client names you associate with comparisons
• Tax filing status, household income, federal marginal tax rate, and estimated state income tax entered for tax advantage calculations
• Debt consolidation details including individual debt items with balances, rates, and monthly payments
• Property details, realtor information, video URLs, and notes you enter
• Borrower's Choice selections made by clients (which scenario was chosen and when)
• Audit trail of actions taken on each comparison with timestamps
• Closing cost templates and loan templates you create

Realtor data:

• Name, email, phone, company, license number, headshot, and logo for realtors you save to your account

Files you upload:

• Mortgage statement PDFs for AI-powered data extraction
• Property photos for open house flyers
• Broker headshot and company logo images

Notification preferences:

• View notification frequency setting
• Borrower's Choice notification setting
• Custom notification email address if provided

Usage data:

• How you interact with the Service (features used, pages visited, actions taken)
• AI feature usage (number of AI entry sessions, statement extractions, and summaries generated)
• Device type, browser, operating system, and IP address
• Session timestamps and duration

From Clients (borrowers viewing a shared link)

Engagement data:

• When and how many times a comparison link was viewed
• Which loan option was selected as a Borrower's Choice, with timestamp
• Detailed behavioral session data including: scroll depth, time spent viewing each module, specific interactions (scenario toggles, time horizon changes, PDF downloads, video plays, closing cost expansions, and tour interactions)
• Up to 50 sessions of engagement data are stored per comparison

We collect this engagement data to help brokers understand how their clients are interacting with their comparisons. This data is accessible to the broker who created the comparison.

We do not collect:

• Clients' email addresses, phone numbers, or contact information
• Any account credentials — clients do not create accounts
• Any financial information beyond what is displayed in the comparison the broker built

Browser storage

We use browser sessionStorage to temporarily cache market rate data and AI entry results during your session. This data is stored locally on your device and cleared when you close your browser tab. It is not transmitted to our servers beyond the normal course of using the Service.

3. How We Use Your Information

To provide the Service:

• Create and manage your broker account
• Store and display the comparisons you build
• Generate shareable client links and PDFs
• Process mortgage statement uploads through AI extraction
• Generate AI-powered comparison summaries
• Provide rental estimate data for investment property analysis

To communicate with you:

• Send email notifications when your client views a comparison or makes a Borrower's Choice selection, per your notification preferences
• Send account-related emails such as email confirmation, password reset, and security alerts
• Send daily digest summaries of client activity if you have enabled that setting

To improve the Service:

• Analyze usage patterns to understand how brokers use LoanDeck
• Identify bugs and performance issues
• Develop new features

We do not:

• Sell your information to third parties
• Use your data or your clients' data to train AI models
• Share your client data with other brokers or third parties outside of what is described in this policy
• Use your comparisons or client information for advertising

4. Third-Party Services We Use

LoanDeck uses third-party services to operate. Each has its own privacy policy governing how they handle data. We use services in the following categories:

Database and authentication providers

Store your account data, comparisons, templates, realtor records, and uploaded files securely. Row-level security policies ensure brokers can only access their own data.

Email delivery services

Send transactional emails including account confirmation, password reset, and comparison activity notifications.

AI processing services

Power AI features including the AI Loan Entry tool, mortgage statement data extraction, and email summary generation. We use two AI providers: a primary provider and a fallback provider used when the primary is unavailable. Both providers process requests via API and do not use API request content to train their models, per their respective data processing terms.

When you upload a mortgage statement for extraction, the document contents are sent to one of these AI providers for processing. Mortgage statements may contain sensitive borrower financial information. We do not send client personally identifiable information to AI providers beyond what is contained in documents you choose to upload.

Product analytics services

Help us understand how brokers use LoanDeck so we can improve the product. Analytics data may include usage events, feature interactions, device and browser information, and IP address. You can opt out via the cookie consent banner.

Hosting and infrastructure providers

Host the application and process web requests. May receive request logs and IP addresses.

Address lookup and mapping services

Power address autocomplete when you enter property locations.

Real estate and rental data providers

Supply market data including home price trends, rental rate estimates, and days on market displayed in location cards.

Mortgage rate data providers

Supply current mortgage rate data used to populate rate suggestions.

PDF generation services

Render comparison and flyer PDFs from your comparison data.

Video embedding services

Enable video previews when you add a YouTube, Vimeo, Loom, or similar video URL to a comparison.

We do not sell your information to any third party. We share data with these service providers only to the extent necessary to provide the Service to you.

5. Data Storage and Security

Your data is stored with our database provider, hosted in the United States. We implement the following security measures:

• All data in transit is encrypted using TLS/HTTPS
• Database access is protected by row-level security policies — brokers can only access their own data
• Passwords are never stored in plain text — authentication is handled by an industry-standard auth provider
• API keys and secrets are stored as environment variables, never in code

Note on uploaded images: Profile images, logos, and property photos you upload are stored with publicly accessible URLs. This is necessary for them to display correctly in shared comparison links and PDF exports that are viewed by your clients. Do not upload images containing sensitive personal information.

While we take reasonable measures to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

Account data: Retained for as long as your account is active. You may request account deletion by contacting hello@loandeck.app or using the account deletion option in Settings. Upon deletion, your data will be removed within 30 days.

Comparisons: Retained until you delete them or request account deletion.

Uploaded files: Retained until you delete them or request account deletion.

Usage logs: We aim to limit retention of detailed usage logs and intend to implement automated cleanup as the Service matures.

Digest queue: Records of client view activity queued for daily digest emails are retained after delivery and will be subject to future automated cleanup.

7. Your Rights

Depending on where you are located, you may have the following rights:

California residents (CCPA):

• Right to know what personal information we collect and how we use it
• Right to delete your personal information
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your rights

All users:

• Access your data by logging into your account
• Update or correct your information in Settings
• Request deletion of your account and associated data via Settings or by contacting hello@loandeck.app
• Opt out of analytics tracking via the cookie consent banner

To exercise any of these rights, contact us at hello@loandeck.app.

8. Cookies and Tracking

LoanDeck uses cookies and similar tracking technologies for:

Necessary cookies: Required for authentication and session management. Cannot be disabled.

Analytics: Used to understand how brokers use LoanDeck so we can improve the product. You can opt out via the cookie consent banner when you first visit the site or the client view page. Note: the cookie consent banner is not shown on the authenticated broker dashboard, as account holders have agreed to these terms at signup.

Marketing cookies: Not currently used.

9. Children's Privacy

LoanDeck is a professional tool intended for licensed mortgage brokers. We do not knowingly collect information from anyone under 18 years of age. If you believe a minor has provided us with personal information, contact us at hello@loandeck.app and we will delete it.

10. Changes to This Policy

We may update this policy from time to time. When we do, we will update the “Last Updated” date at the top of this page and, for material changes, notify you by email. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your data:

Email: hello@loandeck.app
Website: https://loandeck.app

LoanDeck LLC
Long Beach, California