Privacy Policy

Effective October 25, 2026

1. Scope

This Privacy Policy explains how [INSERT LEGAL ENTITY NAME] (“MortgageBrokerDesk,” “we,” “us,” or “our”) collects, uses, discloses, processes, and protects personal information through MortgageBrokerDesk.com and related consumer and mortgage-professional portals, applications, services, and integrations (collectively, the “Service”). The Service is designed for consumers seeking mortgage-related services and for mortgage brokers, correspondent lenders, contract processors, lenders, loan originators, processors, company administrators, and other authorized professional users.

2. Our Role and the Role of Mortgage Professionals

MortgageBrokerDesk provides technology used by independent mortgage companies and other mortgage professionals. Mortgage companies, lenders, credit vendors, and other parties may separately collect, use, retain, or disclose personal information under their own legal obligations and privacy practices. Consumers should review privacy notices provided by the mortgage company, lender, and other parties involved in their transaction.

3. Information We Collect From Consumers

Depending on the features used and the stage of a mortgage transaction, the Service may collect or process:

Name, address, email address, telephone number, date of birth, and other identity or contact information.
Social Security number or other government identifiers when required for mortgage-related functions.
Employment, income, tax, asset, bank, liability, credit, and other financial information.
Property, occupancy, loan-purpose, loan amount, and other mortgage application information.
Documents uploaded or transmitted through the Service, which may include pay statements, tax records, bank statements, identification, and other supporting records.
Electronic signatures, acknowledgments, authorizations, document activity, and related audit information.
Communications and information submitted to mortgage professionals through the Service.

4. Information We Collect From Mortgage Professionals

Name, business contact information, title, role, company affiliation, licensing or NMLS-related information, and professional identifiers.
Company information, addresses, telephone numbers, company identifiers, user counts, and account-administration information.
Login credentials and authentication/security information.
Subscription, billing, and payment-related information, where applicable.
Information concerning use of the Service, user roles, access activity, and actions taken within loan files.

5. Information Received From Third Parties

The Service may receive information from third parties selected, authorized, or used by mortgage companies or consumers. These parties may include lenders, credit vendors, credit reporting services, verification providers, document providers, electronic-signature providers, settlement-service providers, and other mortgage-related service providers. For example, where a mortgage company has established its own relationship with an integrated credit vendor and initiates a credit request, MortgageBrokerDesk may receive credit-related information from that vendor. Information returned by the vendor may be stored or used to populate liabilities and other fields within the mortgage application or loan file.

6. How We Use Information

Create and administer consumer, company, and professional accounts.
Enable consumers to prepare and submit mortgage application information.
Enable authorized mortgage professionals to access and process loan files.
Store, generate, populate, transmit, receive, and manage mortgage-related documents.
Facilitate electronic signatures, acknowledgments, and authorizations.
Facilitate integrations and data exchange with authorized third-party providers.
Populate loan data from information returned by authorized integrations, including liability information received from credit-related services.
Provide calculations, workflow tools, lender information, and other mortgage-related functionality.
Secure, maintain, troubleshoot, support, and improve the Service.
Detect fraud, misuse, unauthorized access, or security incidents.
Comply with legal obligations, lawful requests, and enforceable agreements.

7. Credit Information

MortgageBrokerDesk does not require a consumer's acceptance of the general Consumer Terms of Service to serve as a credit authorization. Mortgage companies may use functionality within the Service to present separate credit authorizations or other consents to consumers. Mortgage companies establish their own relationships with credit vendors and are responsible for determining when they have a permissible purpose or required authorization to obtain consumer credit information. When an authorized credit request is transmitted through an integrated vendor, MortgageBrokerDesk may process and store the resulting information as necessary to provide the Service.

8. How Information Is Disclosed

Personal information may be disclosed or made available as necessary to provide the Service, including to:

The mortgage company, loan originator, processor, lender, and other authorized users associated with the consumer's transaction.
Credit vendors and other third-party service providers selected or authorized for the transaction.
Technology, hosting, security, communications, document, payment, analytics, and support providers that assist us in operating the Service.
Government agencies, regulators, courts, law enforcement, or other parties when disclosure is required or permitted by law.
A successor or potential successor in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law.
MortgageBrokerDesk does not sell personal information for money as a data broker. [THIS STATEMENT MUST BE VERIFIED AGAINST ACTUAL ADVERTISING, ANALYTICS, COOKIE, AND DATA-SHARING PRACTICES BEFORE PUBLICATION.]

9. Lenders, Pricing, and Other Future Integrations

The Service may permit lenders and other authorized parties to provide mortgage product, eligibility, rate, pricing, or related information and may in the future provide pricing-engine functionality. Personal information used with such functionality will be processed and disclosed as reasonably necessary to provide the requested service and as otherwise described in this Privacy Policy or a transaction-specific notice.

10. Cookies, Logs, and Technical Information

MortgageBrokerDesk may collect IP address, browser type, device information, access times, referring pages, pages viewed, session information, error logs, and other technical or usage information. Cookies and similar technologies may be used for authentication, security, preferences, functionality, analytics, and other disclosed purposes. [INSERT ACTUAL COOKIE/ANALYTICS PRACTICES BEFORE LAUNCH.]

11. Security

MortgageBrokerDesk uses administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, and disclosure. Safeguards may include access controls, authentication measures, encryption where appropriate, logging, backups, and other security practices. No security system, transmission method, or storage system can be guaranteed to be completely secure.

12. Data Retention

Mortgage-related records may be subject to legal, regulatory, contractual, investor, lender, or company record-retention requirements. MortgageBrokerDesk may retain information for as long as reasonably necessary to provide the Service, support authorized users, comply with applicable obligations, resolve disputes, enforce agreements, maintain security and audit records, and protect legal rights. The period for which a particular loan record is retained may depend on the mortgage company responsible for the transaction and applicable law. [SPECIFIC RETENTION AND DELETION RULES SHOULD BE DOCUMENTED BEFORE LAUNCH.]

13. Account Closure and Company Termination

Closing a consumer account or terminating a mortgage company's subscription may not result in immediate deletion of all information. Information may remain in loan records, backups, audit records, or other systems where retention is required or permitted by law or reasonably necessary for legitimate business and legal purposes. Access, export, return, deletion, and retention procedures for company data should be addressed in applicable service terms and operational policies.

14. State Privacy Rights

Residents of certain U.S. states may have rights concerning access, correction, deletion, portability, or certain disclosures or uses of personal information. The availability and scope of these rights depend on applicable law and may be subject to exemptions, including exemptions applicable to financial information, regulated mortgage activities, or information governed by federal financial privacy laws. [COUNSEL TO DETERMINE APPLICABLE STATE PRIVACY NOTICES, REQUEST METHODS, APPEAL PROCEDURES, AND REQUIRED METRICS OR DISCLOSURES.]

15. Children's Privacy

The Service is intended for adults and is not directed to children under 18. MortgageBrokerDesk does not knowingly permit minors to create mortgage applicant accounts except where a lawful mortgage-related workflow specifically requires information concerning another person and such information is provided by an authorized adult.

16. Third-Party Websites and Services

Links or integrations may connect the Service with third-party websites or services. Their privacy practices are governed by their own policies, and MortgageBrokerDesk is not responsible for independent third-party privacy or security practices.

17. Changes to This Privacy Policy

We may update this Privacy Policy as the Service, integrations, legal requirements, or data practices change. The current version will identify its effective date. Where required by law, we will provide additional notice of material changes.

18. Contact and Privacy Requests

[INSERT LEGAL ENTITY NAME] [INSERT BUSINESS ADDRESS] [INSERT PRIVACY EMAIL] MortgageBrokerDesk.com