At LoanOfficer.ai, your privacy is our priority. This Privacy Policy applies to our websites (including LoanOfficer.ai and affiliated mobile apps) and governs our data collection, usage, and processing practices. It also outlines your rights regarding your personal information.
By using our websites or services, you agree to the terms outlined in this policy. If you do not agree, please refrain from using our websites or services.

1. Updates to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and material updates will be clearly communicated. Your continued use of our services after changes are posted constitutes acceptance of those changes.

2. Contact Us

For questions or concerns regarding this policy or your data, please contact:
 [email protected]

3. Commitment to Privacy Compliance

3.1. EU–U.S. Privacy Shield
LoanOfficer.ai complies with the EU–U.S. Privacy Shield Framework. We are subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission. In certain circumstances, we may be required to disclose personal data in response to lawful requests by public authorities, including national security or law enforcement.
Unresolved privacy concerns can be directed to [email protected]. You may also invoke binding arbitration if other resolution channels have been exhausted, as detailed on the Privacy Shield website.

4. Your Rights and Choices

4.1. Managing Your Personal Data
Upon request, we will provide information about any personal data we hold. You may also request to:

Review or correct your data

Opt-out of marketing communications

Delete your data

Remove yourself from contact or solicitation lists

To exercise these rights, email: [email protected]

4.2. Anti-Spam Policy
We prohibit the use of our services for sending unsolicited emails. All messages sent through our platform must include an opt-out mechanism. Violations may result in immediate suspension.

4.3. Unsubscribing from Communications
To unsubscribe from promotional emails, click the “unsubscribe” link in the footer or contact us at [email protected]. Note: Transactional emails related to your account cannot be unsubscribed.

5. Data We Collect

5.1. Personal Data
Includes name, email, phone number, business name, and other identifying information.

5.2. Navigational Data
Includes IP address, browser type, referral URLs, location, and usage patterns.

5.3. Mobile App Data
Includes app usage, device type, OS version, city/state, and push notification preferences.

5.4. Payment Information
Collected and processed securely by PCI-compliant third parties. We do not store sensitive financial information.

5.5. Children’s Privacy
Our services are not intended for children under 13. If we inadvertently collect such data, contact us at [email protected] for prompt removal.

6. How We Use Data

To provide and improve our services

To personalize your experience

For marketing (with your consent)

To process payments and send updates

For analytics and usage tracking

To support customer service

We never sell your personal data.

7. Data Sharing and Disclosure

With trusted service providers under confidentiality agreements

To comply with legal obligations

During a merger, acquisition, or sale

To protect rights, safety, or prevent fraud

8. Data Security and Retention
We use industry-standard security technologies, including encryption and secure servers. Data is retained only as long as needed for legitimate business or legal purposes.

9. External Content and Social Media Features
Our website may include links and features (e.g., social media plugins) operated by third parties. Your interactions with these are governed by their privacy policies, not ours.

10. Cookies and Tracking Technologies
We use cookies and similar technologies for:

Website functionality and personalization

Analytics and performance tracking

Advertising (non-personally identifiable targeting)

You can disable cookies in your browser settings, though some features may be limited.

11. Google Workspace APIs
LoanOfficer.ai may integrate with Google Workspace APIs for authentication and communication features.
 Google Workspace APIs are not used to develop, improve, or train generalized AI and/or ML models.

12. Mobile App Privacy Addendum (Android & iOS)

This addendum describes data practices for the LoanOfficer.ai mobile applications on Android and iOS and supplements our main Privacy Policy.

13. Scope

This addendum applies to use of the LoanOfficer.ai mobile applications, including calling, messaging, contacts, and in-app features.

14. What We Collect (Purpose-Limited)

Account & Contact Data: Name, email, company, and contacts you choose to message or call (to deliver requested features).

Communications Content: Messages/emails you send from the app. Call audio is used only during active calls (see Microphone below).

Device & App Data: Device model/OS, app version, diagnostic logs, and crash/event data for reliability and support.

Identifiers: App/device identifiers (e.g., installation ID) for authentication, fraud prevention, and push notifications.

Location/Places (optional): If you use places search/auto-complete, query data is sent to Google Places to return results. We do not track background location.

15. Permissions

Microphone

Android: android.permission.RECORD_AUDIO

iOS: NSMicrophoneUsageDescription

Used only while placing/receiving in-app calls. Audio is streamed via our telephony provider and not stored. No background recording.

Notifications

Android: POST_NOTIFICATIONS (Android 13+)

iOS: via UNUserNotificationCenter

Used to deliver in-app alerts such as incoming calls or messages. You may adjust in system settings.

Bluetooth / Audio Routing

Android: BLUETOOTH_CONNECT (Android 12+) for routing call audio to a paired device.

iOS: Bluetooth routing is handled by the OS. We do not scan for devices or request separate Bluetooth permissions.

Tracking

We do not use the iOS IDFA and do not prompt for App Tracking Transparency (ATT). We do not track users across apps or third-party websites.

Permissions are requested at runtime (where applicable) and can be changed anytime in system settings.

16. How We Use Data

We use collected data to:

Provide core features (calling, messaging, contacts, calendar).

Operate, secure, and improve the app (diagnostics, crash reports).

Support customers and prevent fraud or abuse.

17. Third-Party Services

Telephony: Twilio Voice SDK (for calls). Live audio/signaling data are processed to establish/maintain calls.

Maps/Places: Google Maps/Places (for search and auto-complete).

Diagnostics/Crash: Platform diagnostics and minimal telemetry (for reliability).

These providers act as service providers/processors and handle only the data necessary to deliver functionality.

Twilio Privacy Policy

Google Maps Privacy Policy

18. Data Sharing

We do not sell personal data. We share information only with service providers under contract (e.g., telephony, hosting, analytics) or as required by law.

19. Data Retention

Account and communications data are retained while your account is active or as needed to provide service, comply with law, or resolve disputes.

Call audio is not stored by the app. If your organization enables server-side recording, retention follows your organization’s settings and Twilio’s policies.

20. Security

We apply administrative, technical, and organizational measures to protect data in transit and at rest. However, no method of transmission or storage is 100% secure.

21. Your Choices & Controls

Disable microphone or notifications in device settings (note: features will not work without them).

Request access, correction, deletion, or portability of your data as described in our main Privacy Policy.

Sign out to remove locally cached app data.

22. International Transfers

We and our service providers may process data in the United States and other countries. Appropriate safeguards are applied for cross-border transfers where required.

23. Children

The app is not directed to children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect such data.

24. Data Safety (Google Play) / App Privacy (Apple)

Collected: Account/contact details, communications you send, device/app diagnostics, identifiers.

Sharing: No sale of personal data; limited sharing with service providers under contract.

Security: Encryption in transit; at-rest protections per provider standards.

Deletion: You may request deletion under “Your Choices & Controls”; uninstalling removes local app data.

Tracking: We do not use data for cross-app tracking or advertising personalization.

25. Contact

Questions or requests may be sent to: [email protected]