Privacy Policy
1. Introduction
The Loan Atlas, Inc. (referred to herein as “us,” “we,” and “our”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your personal information in connection with our educational platform and subscription services for mortgage professionals.
2. Collection of Personal Information
“Personal Information” means any information that can directly or indirectly identify, contact, or locate you. We collect Personal Information in the course of providing our educational platform and membership services, and information voluntarily provided to us by visitors to our website, or otherwise provided voluntarily by telephone, email, or other forms of communication.
The types of information we collect include:
- General information, such as your name, address, telephone number, email address, job title, and company affiliation.
- Marketing and feedback information, such as your name, likeness, testimonials, statements, or feedback that you voluntarily provide to us and that we may use for promotional or marketing purposes.
- Financial information, such as your credit card information and billing and payment history for our subscription services.
- Employment-related information from applicants for positions with our company, such as educational background, employment history, professional licenses, government-issued identifying information, and writing samples.
- Online information, such as your usernames and passwords for our platform, as well as information we automatically collect through cookies on our website, including your computer hardware, operating system, IP address, and geographic location. For more information about our use of cookies, please review our Cookies Policy below.
If you provide a third party’s Personal Information to us, you acknowledge that you are authorized to disclose that information to us and that we may collect, use, store, and disclose that information as described in this Privacy Policy.
3. Use of Personal Information
We only use your Personal Information where we have a legitimate interest to do so, including:
- Communications: we will use your Personal Information to respond to your requests and inquiries.
- Educational platform services: we will use and process your Personal Information as needed to provide you access to our educational content, platform features, webinars, coaching sessions, and subscription services, and to comply with our legal obligations in connection with those services.
- Marketing: we may use your Personal Information to send you marketing information with your consent. We may use your Marketing and feedback information, such as your name, likeness, testimonials, statements, or feedback that you voluntarily provide for general promotional or marketing purposes.
- Recruiting: if you apply for a position with our company, we will use Personal Information provided in connection with recruiting, processing applications, making offers for employment, or hiring.
- Legal Compliance: we use and process Personal Information as necessary to comply with our legal obligations and as required by applicable laws, rules, and regulations.
- Website and Platform: we use and process Personal Information to administer, manage, and improve our website and platform, and to analyze usage by visitors and subscribers.
By providing us with your Personal Information, you consent to our use of that information as set forth above. You can opt out at any time by contacting us. If you have questions about how we use your information, please contact us using the information provided below.
4. Disclosure of Personal Information
We do not disclose Personal Information to any third parties outside of the company except in limited circumstances, including:
- Disclosures to our agents, data processors, or contractors acting on our behalf, subject to appropriate confidentiality, privacy, and information security commitments.
- Disclosures that we believe are necessary to provide our educational platform services at your request.
- Disclosures where we are required or permitted by applicable laws, rules, or regulations.
- Disclosures to our professional advisers, such as our lawyers, accountants, bankers, and other outside professional advisers, in the course of the services they provide to us.
- Disclosures as otherwise authorized or directed by you.
- Disclosures of voluntarily provided testimonials for marketing and promotional purposes.
We may provide Personal Information to regulatory authorities and law enforcement officials in accordance with applicable law, or if we determine in good faith that providing such information is required or permitted by law.
We do not sell or otherwise disclose your Personal Information to third parties for their direct marketing purposes.
5. Educational Content Disclaimer
The Loan Atlas provides educational content and resources intended for informational and training purposes only. All content, courses, coaching sessions, webinars, scripts, frameworks, and other materials available through our platform are provided solely for educational purposes and do not constitute financial, legal, compliance, lending, or professional advice of any kind.
Members and subscribers are solely responsible for (a) independently verifying the accuracy, completeness, and applicability of any content to their specific circumstances; (b) ensuring their compliance with all applicable federal, state, and local laws, regulations, and professional licensing requirements governing the mortgage and lending industry; and (c) consulting qualified legal, financial, or compliance professionals before acting on any information obtained through our platform.
The Loan Atlas makes no representations or warranties regarding the suitability of any content for any specific regulatory environment, business situation, or individual circumstances. Use of platform content in any professional or business context is entirely at the member’s own risk and discretion.
6. Marketing Usage
By using our services, you grant The Loan Atlas a perpetual, worldwide, royalty-free, and transferable license to use, reproduce, modify, adapt, publish, display, and distribute your name, likeness, testimonials, statements, and/or feedback (collectively, “Marketing Materials”) in connection with the marketing, promotion, and operation of our services.
You acknowledge and agree that:
- Such use may include, but is not limited to, video, text, screen capture, website content, social media, advertising campaigns, email marketing, case studies, digital materials, and printed materials.
- The Loan Atlas will not sell your personal information to third parties for unrelated marketing purposes.
- SMS and Mobile Information: If you provide your mobile phone number and consent to receive SMS communications, we will use your number solely for the purposes described at the time of collection, including transactional and marketing communications. We do not share, sell, rent, or disclose your mobile phone number or SMS consent data to third parties for their marketing purposes. SMS opt-in data and consent are used only by The Loan Atlas and are not shared with unaffiliated third parties, except as required by law or to service providers that support our messaging operations and only to the extent necessary.
- You will not be entitled to compensation for the use of your Marketing Materials.
- You may revoke this consent at any time by providing written notice to The Loan Atlas at [email protected], except that any use made prior to revocation will remain lawful.
7. Protection and Retention of Personal Information
We take reasonable technical and administrative measures to protect your Personal Information from unauthorized use or disclosure, including a variety of software and hardware security tools. Unfortunately, no data transmission over the internet is completely secure. We have adopted procedures to help us address any suspected personal data breach, but we cannot guarantee the security of any Personal Information provided to us.
We require our agents, data processors, and contractors to maintain data protections consistent with reasonable and appropriate obligations of data processors.
We may retain Personal Information for as long as necessary to comply with our legal obligations or as necessary to achieve the purposes for which the information was originally collected, consistent with this Privacy Policy.
8. Cookies Policy
When you visit our website, we and our third party partners may place small text files called “cookies” and other tracking technologies on your device or browser. When you first visit our website, you will be presented with a cookie consent notice that allows you to accept or decline non-essential cookies. Essential cookies required for the website to function are placed automatically; non-essential cookies, such as analytics and advertising cookies, are placed only after you provide your consent.
We use cookies for a number of reasons, including:
- To enable you to access and use our website and its features.
- To collect information about visitors to our website, including device types, operating systems, and preferences.
- To measure website and platform performance.
- To ensure the security of our website.
- To deliver relevant marketing communications from The Loan Atlas and our advertising partners, where you have consented to receive these.
Third parties, including Meta (Facebook) and Google, may use cookies and similar technologies to collect information about your online activities on our website and across other websites over time, in order to provide analytics services and deliver personalized advertising. These third parties’ collection and use of information is governed by their own privacy policies. You can adjust your cookie preferences at any time through our consent banner or your browser settings. Please note that disabling certain cookies may affect your ability to access or use certain features of our website.
For more information about cookies or to exercise your cookie preferences, please contact us using the information provided below.
9. Do Not Track Signals
Some web browsers offer a “Do Not Track” (DNT) feature that signals to websites that you do not want your online activities tracked. Because there is not yet a common industry standard for recognizing and responding to DNT signals, our website does not currently respond to DNT browser signals. As described in our Cookies Policy above, third parties may collect personal information about your online activities over time and across different websites when you use our website. You may manage tracking preferences through our cookie consent banner and your browser settings.
10. International Users and Data Transfers
Our services are operated from the United States. If you access our website or platform from outside the United States, including from Canada, you understand that your Personal Information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your jurisdiction. By using our services, you consent to the transfer of your Personal Information to the United States. If you are a Canadian resident, you may have rights under the Personal Information Protection and Electronic Documents Act (PIPEDA), including rights of access and correction, which you may exercise by contacting us using the information provided below.
11. Your Rights to Access and Modify Personal Information
With regard to the Personal Information you provide to us, you have the following rights at any time:
- You can request information about our collection of your Personal Information, what kinds of Personal Information we have collected, and how we are using it.
- You can request access to your Personal Information. We will send you a copy of your Personal Information so that you can review it and raise any issues with how we process it.
- You can correct or update any Personal Information that we have collected.
- You can request that we restrict or limit certain types of processing of your Personal Information.
- You can withdraw your consent to use your Personal Information and request deletion of your Personal Information where we do not have a continuing legal basis to retain it.
- California residents may have additional rights under the California Consumer Privacy Act (CCPA/CPRA), including the right to opt out of the sale of personal information and the right to non-discriminatory treatment for exercising these rights.
- You are entitled to exercise any of these rights free from any discriminatory treatment.
To exercise any of these rights, please contact us at [email protected]. We may require you to verify your identity, which may require submission of government-issued identification.
12. Minors
This website and platform are not intended for individuals under the age of 18, and we do not knowingly collect, process, or maintain any Personal Information from minors under the age of 18. If you are under 18, do not use or provide any Personal Information on this website or through any of its features. If we learn we have collected Personal Information from a minor under the age of 18 without verifying parental consent, we will promptly delete that information.
13. Changes to Privacy Policy
We may update the terms of our Privacy Policy from time to time. If we make material changes, we will post our updated Privacy Policy on our website and update the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed of any changes. Your continued use of our website and services following the posting of changes constitutes your acceptance of those changes.
14. Questions About This Privacy Policy
If you have any questions about this Privacy Policy, please contact us:
The Loan Atlas, Inc.501 S. Reino Road #231
Newbury Park, CA 91320
Email: [email protected]