Privacy Policy

USInvestorLending is a DBA of MortgageToday LLC (NMLS #2727066). This policy explains what information we collect through this website and our tools, how we use it, and the choices you have.

Information We Collect

Information you provide

• Name, email address, and phone number when you request a report, book a call, or submit an inquiry
• Loan scenario details you enter into our calculators, such as property value, loan amount, rate, and rental income
• Account and billing information if you subscribe to Pro Membership, processed by our payment provider
• Any information you send us directly by email or during a consultation

Information collected automatically

• IP address, browser type, device type, and operating system
• Pages visited, time on page, referring URL, and which tools you used
• Cookies and similar technologies used for analytics and site functionality

How We Use Your Information

• To deliver the reports, calculations, and documents you request
• To respond to inquiries and provide loan consultation
• To evaluate and process mortgage loan applications when you choose to apply
• To operate Pro Membership accounts, including billing and support
• To send relevant follow-up communications about your inquiry, which you can opt out of at any time
• To improve our tools, measure performance, and understand how the site is used
• To comply with legal, regulatory, and licensing obligations

How We Share Information

We do not sell your personal information. We share it only in these situations:

• Lenders and investors. When you apply for a loan, we share your application with lenders and investors as part of the origination process.
• Service providers. Vendors who support our operations, including CRM, email delivery, analytics, payment processing, and document services. These parties are contractually limited to using your information for the services they provide to us.
• Legal and regulatory. When required by law, subpoena, regulatory examination, or to protect our rights and the safety of others.
• Business transfer. In connection with a merger, acquisition, or sale of assets, subject to the protections in this policy.

Credit Information

If you apply for a mortgage loan, we may obtain your credit report from consumer reporting agencies. This is a separate process from using the free calculators on this site, which do not require a credit pull. Our handling of consumer credit information is governed by the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.

Cookies and Tracking

We use cookies and similar technologies for site functionality, analytics, and advertising measurement. This may include third-party services such as Google Analytics and advertising platforms. Most browsers let you refuse or delete cookies, though some site features may not work correctly if you do.

Data Security

We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain information as long as needed to provide services, meet legal and regulatory recordkeeping requirements applicable to mortgage brokers, resolve disputes, and enforce agreements. Mortgage records are typically retained for periods set by federal and state law.

Your Choices and Rights

• Marketing communications. Unsubscribe from any marketing email using the link in the message, or contact us directly.
• Access and correction. Request a copy of the personal information we hold about you, or ask us to correct inaccuracies.
• Deletion. Request deletion of your information, subject to legal and regulatory retention requirements that apply to mortgage records.
• State privacy rights. Residents of California and certain other states may have additional rights regarding access, deletion, correction, and opting out of the sale or sharing of personal information. We do not sell personal information.

To exercise any of these, email [email protected].

Children

Our services are intended for adults. We do not knowingly collect information from anyone under 18.

Third-Party Links

This site links to third-party websites and tools, including lender portals and scheduling services. We are not responsible for the privacy practices of those sites. Review their policies separately.

Changes to This Policy

We may update this policy from time to time. The revised version will be posted here with an updated date.

Contact

MortgageToday LLC, DBA USInvestorLending
NMLS #2727066
Email: [email protected]