Privacy Policy

Attorney review required. This Privacy Policy is a working draft for business planning and website development. It should be reviewed and approved by qualified legal counsel before publication or use.

Effective Date: June 24, 2026
Last Updated: June 24, 2026

LoanPath IQ (“LoanPath IQ,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit LoanPathIQ.com, submit a mortgage pre-qualification request, apply to become a marketing partner, use our platform, or otherwise interact with us.

LoanPath IQ is a mortgage marketing, borrower-intake, and technology platform. LoanPath IQ is not a mortgage lender, mortgage broker, loan servicer, creditor, or loan originator unless expressly stated in writing. Loan approval, loan terms, interest rates, eligibility, underwriting, and final credit decisions are made by licensed mortgage professionals, lenders, brokers, or financial institutions, not by LoanPath IQ.

By using our website or services, you agree to this Privacy Policy.

1. Information We Collect

We may collect information from borrowers, marketing partners, lenders, loan officers, website visitors, and platform users.

A. Information Borrowers Provide

When you submit a mortgage inquiry, pre-qualification request, or intake form, we may collect:

• First and last name
• Email address
• Phone number
• Mailing address
• Property address or target purchase location
• State where you are buying, refinancing, or seeking financing
• Loan purpose, such as purchase, refinance, cash-out refinance, home equity, or pre-qualification
• Estimated home value or purchase price
• Estimated mortgage balance
• Estimated down payment
• Estimated credit range
• Employment or income range
• Military or VA eligibility information, if provided
• Property type
• Purchase timeframe
• Preferred contact time
• Answers submitted through our online forms
• Consent records and communication preferences
• Any additional information you choose to submit

We may also collect information related to your interaction with a licensed mortgage professional, such as status updates, contact attempts, appointment status, pre-qualification milestones, or other borrower-intake progress information.

B. Information From Marketing Partners and Publishers

When you apply to become or operate as a LoanPath IQ marketing partner, we may collect:

• Name
• Company name
• Email address
• Phone number
• Business address
• Website URL
• Traffic sources
• Marketing channels
• States or markets targeted
• Estimated lead volume
• Compliance acknowledgments
• Tax or payment information, if applicable
• Account login credentials
• Dashboard activity
• Tracking link activity
• Campaign performance data
• Support requests and communications

C. Information From Lenders and Loan Officers

When a lender, lender administrator, or loan officer uses the platform, we may collect:

• Name
• Company name
• NMLS or licensing-related information, if provided
• Email address
• Phone number
• Role and permissions
• Assigned leads
• Lead status updates
• Notes added to borrower records
• Contact attempt logs
• Dashboard activity
• Platform usage data
• Communications with LoanPath IQ

D. Information Collected Automatically

When you visit or use our website or platform, we may automatically collect:

• IP address
• Browser type
• Device type
• Operating system
• Pages viewed
• Referring website
• Date and time of visit
• Click activity
• Form-start and form-completion activity
• UTM source, medium, campaign, term, and content
• Tracking link ID
• Partner ID
• Campaign ID
• General location based on IP address
• Cookies, pixels, and similar tracking technologies

E. Information From Third Parties

We may receive information from:

• Marketing partners
• Advertising platforms
• Analytics providers
• Lenders or mortgage professionals
• CRM systems
• Call-tracking providers
• Email or SMS providers
• Identity, fraud, compliance, or duplicate-checking tools
• Publicly available sources

2. How We Use Information

We may use information for the following purposes:

A. Borrower Intake and Mortgage Inquiry Processing

We use borrower information to:

• Receive and process mortgage pre-qualification requests
• Match or route borrower inquiries to licensed mortgage professionals
• Help lenders or mortgage professionals contact borrowers
• Confirm consent and communication preferences
• Verify lead quality
• Detect duplicates, fraud, or invalid submissions
• Track borrower-intake status
• Improve the borrower experience
• Provide customer support
• Send confirmation messages
• Maintain records of submitted inquiries

B. Marketing Partner Program

We use marketing partner information to:

• Review and approve partner applications
• Create partner accounts
• Issue tracking links
• Track campaign performance
• Attribute verified borrower inquiries
• Monitor compliance
• Provide dashboard reporting
• Send notifications
• Manage approved milestone events
• Process payment-related records, if applicable
• Prevent fake, duplicate, or non-compliant lead activity

C. Lender and Platform Operations

We use lender and loan officer information to:

• Create lender accounts
• Assign borrower inquiries
• Manage role-based dashboard access
• Track lead status updates
• Provide reporting
• Support lender operations
• Maintain audit logs
• Improve platform functionality
• Communicate platform updates

D. Communications

We may use information to contact you by:

• Phone
• Email
• SMS/text message
• Ringless voicemail, if legally permitted
• In-app notifications
• Mail
• Other communication methods you authorize

Communications may include:

• Confirmation messages
• Follow-up about your mortgage inquiry
• Account notifications
• Partner application updates
• Platform alerts
• Compliance notices
• Marketing messages, where permitted by law and your consent

You may opt out of marketing communications at any time by following the instructions in the message or contacting us.

E. Website, Analytics, and Advertising

We may use information to:

• Analyze website performance
• Improve form conversion
• Measure advertising performance
• Track campaigns
• Prevent fraud
• Personalize website content
• Retarget visitors, where permitted
• Improve our products and services

F. Legal, Compliance, and Security

We may use information to:

• Comply with applicable laws and regulations
• Maintain consent records
• Respond to legal requests
• Enforce our terms and agreements
• Protect our rights and property
• Investigate fraud, abuse, or unauthorized activity
• Maintain audit logs
• Support data-security and compliance programs

3. How We Share Information

We may share information in the following ways.

A. With Licensed Mortgage Professionals, Lenders, Brokers, or Financial Institutions

If you submit a mortgage inquiry or pre-qualification request, we may share your information with one or more licensed mortgage professionals, lenders, brokers, loan officers, or financial institutions so they can respond to your request, contact you, review your information, and discuss possible mortgage options.

Submitting a request does not guarantee approval, loan terms, eligibility, or financing.

B. With Service Providers

We may share information with trusted service providers who help us operate our business, including:

• Website hosting providers
• Database providers
• CRM providers
• Email providers
• SMS providers
• Call-tracking providers
• Analytics providers
• Advertising platforms
• Fraud-prevention providers
• Compliance vendors
• Payment processors
• Cloud-storage providers
• Customer-support tools

These providers are authorized to use information only as necessary to provide services to us or as otherwise permitted by law.

C. With Marketing Partners

We may share limited lead-status, campaign, and attribution information with approved marketing partners. Marketing partners may see limited information about inquiries generated through their approved campaigns, such as campaign source, status, date, state, and milestone events.

Marketing partners are not permitted to access unrelated borrower records or sensitive borrower financial information unless expressly authorized and legally permitted.

D. With Lenders and Lender Users

Lender administrators and loan officers may access borrower inquiries assigned to their lender account. This may include borrower contact information, form answers, consent records, lead source, campaign data, notes, and status history.

E. For Legal and Compliance Reasons

We may disclose information if we believe disclosure is necessary to:

• Comply with a law, regulation, subpoena, court order, or legal process
• Respond to government or regulatory requests
• Enforce our agreements
• Protect the safety, rights, or property of LoanPath IQ, users, borrowers, partners, lenders, or others
• Investigate suspected fraud, abuse, or unlawful activity

F. Business Transfers

If LoanPath IQ is involved in a merger, acquisition, sale of assets, financing, reorganization, bankruptcy, or similar transaction, information may be transferred as part of that transaction.

G. With Your Consent

We may share information in other ways when you direct us to do so or give us permission.

4. Lead Sharing and Consumer Choice

LoanPath IQ collects borrower inquiries so that licensed mortgage professionals may contact consumers about mortgage options.

When you submit a form, you understand that your information may be shared with a participating mortgage professional, lender, broker, or financial institution for the purpose of responding to your request.

We do not intend to sell borrower information to unrelated third parties for unrelated marketing purposes. However, some state privacy laws may define certain lead transfers, advertising tracking, or data sharing as a “sale,” “sharing,” or “targeted advertising.” Where applicable, you may have the right to opt out of certain uses of your information.

To exercise privacy rights, contact us at: privacy@loanpathiq.com

5. Cookies, Pixels, and Tracking Technologies

We may use cookies, pixels, tags, server logs, and similar technologies to:

• Keep the website working
• Remember preferences
• Track form activity
• Measure ad performance
• Attribute leads to marketing campaigns
• Detect fraud and duplicates
• Improve user experience
• Analyze website traffic
• Support retargeting or remarketing where permitted

You may be able to control cookies through your browser settings. Disabling cookies may affect website functionality.

We may use third-party tools such as Google Analytics, Google Ads, Meta Pixel, call-tracking tools, or similar platforms. These tools may collect information about your activity across websites and apps.

6. Phone, SMS, Email, and Communication Consent

When you submit your phone number, email address, or other contact information, you may be asked to provide consent for LoanPath IQ, participating mortgage professionals, lenders, brokers, loan officers, or service providers to contact you.

Depending on the consent you provide, communications may include calls, texts, emails, prerecorded messages, artificial voice messages, ringless voicemail, or automated technology.

Consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency may vary.

You may opt out of SMS/text messages by replying STOP. You may request help by replying HELP. You may unsubscribe from marketing emails by using the unsubscribe link in the email.

Even if you opt out of marketing communications, we may still send transactional, account-related, legal, or service-related messages where permitted by law.

7. Pre-Qualification Is Not Loan Approval

Submitting information through LoanPath IQ does not mean:

• You are approved for a mortgage
• You are pre-approved by a lender
• You are guaranteed any loan product
• You are guaranteed any rate, term, or payment
• You have submitted a complete loan application to a lender, unless a lender separately confirms that you have done so

A licensed mortgage professional may request additional information, documentation, credit authorization, income verification, asset documentation, identity verification, or other materials before making any pre-qualification, pre-approval, underwriting, or credit decision.

8. Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction.

Security measures may include:

• Role-based access controls
• Encryption where appropriate
• Secure hosting
• Audit logs
• Access monitoring
• Consent logging
• Duplicate and fraud checks
• Limited partner access to borrower information
• Internal access controls
• Vendor oversight

No method of transmission or storage is 100% secure. We cannot guarantee absolute security.

If you believe your information has been compromised, contact us immediately at: security@loanpathiq.com

9. Data Retention

We retain information for as long as reasonably necessary to:

• Provide our services
• Process borrower inquiries
• Support lender and partner operations
• Maintain business records
• Comply with legal obligations
• Resolve disputes
• Enforce agreements
• Maintain audit, consent, and compliance records
• Prevent fraud or abuse

Retention periods may vary depending on the type of information, the purpose for collection, and applicable legal requirements.

10. Your Privacy Choices

Depending on your location and applicable law, you may have certain rights regarding your personal information, including the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of certain information
• Request a copy of certain information
• Opt out of certain targeted advertising
• Opt out of certain sales or sharing of personal information, where applicable
• Limit certain uses of sensitive personal information, where applicable
• Withdraw consent for certain communications
• Appeal certain privacy-rights decisions, where applicable

To submit a request, contact us at: privacy@loanpathiq.com

We may need to verify your identity before processing your request. We will not discriminate against you for exercising privacy rights.

11. California and State Privacy Notice

If you are a resident of a state with applicable consumer privacy laws, you may have additional rights.

Categories of personal information we may collect include:

• Identifiers, such as name, email, phone number, IP address, and account login information
• Contact information
• Internet or network activity
• Geolocation information based on IP address or submitted property location
• Commercial or transactional information
• Professional or business information for partners and lenders
• Financial-related information submitted through borrower intake forms
• Inferences based on submitted form answers or website activity
• Sensitive personal information, where applicable, such as financial-related information submitted by borrowers

We collect this information for the business and commercial purposes described in this Privacy Policy.

We may disclose information to service providers, lenders, mortgage professionals, marketing partners, analytics providers, advertising platforms, and other parties as described in this Privacy Policy.

We do not knowingly sell personal information of children under 16.

To exercise applicable rights, contact us at: privacy@loanpathiq.com

If required by law, we will provide a “Do Not Sell or Share My Personal Information” or similar mechanism.

12. Children’s Privacy

LoanPath IQ is not intended for children under 18. We do not knowingly collect personal information from children under 18.

If you believe a child has submitted information to us, contact us at privacy@loanpathiq.com, and we will take appropriate steps to delete the information where required.

13. Partner and Affiliate Compliance

LoanPath IQ works with approved marketing partners and publishers.

Marketing partners must follow our compliance rules, advertising guidelines, privacy requirements, and approved campaign instructions.

Marketing partners may not:

• Submit fake, misleading, or unauthorized leads
• Submit consumer information without proper consent
• Use deceptive advertising
• Misrepresent LoanPath IQ or any lender
• Promise approval, rates, or loan terms
• Represent themselves as a lender unless properly licensed and authorized
• Use prohibited referral-fee language
• Claim compensation is based on loan closings, funded loans, loan amounts, or lender compensation

LoanPath IQ may suspend or terminate partner access for non-compliant activity.

14. Third-Party Websites

Our website may link to third-party websites, lenders, mortgage professionals, service providers, or marketing partner websites.

We are not responsible for the privacy practices, content, or security of third-party websites. You should review the privacy policies of any third-party sites you visit.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we update the policy, we will revise the “Last Updated” date above. If changes are material, we may provide additional notice as required by law.

Your continued use of the website or platform after updates means you accept the revised Privacy Policy.

16. Contact Us

For privacy questions, requests, or concerns, contact us at:

LoanPath IQ
LoanPath IQ LLC
Detroit, Michigan
Email: privacy@loanpathiq.com
Security Contact: security@loanpathiq.com
Support: support@loanpathiq.com

17. Attorney Review Notice

This Privacy Policy is intended as a working draft for business planning and website development. It should be reviewed and approved by qualified legal counsel before publication or use.