This Privacy Policy outlines how Loan GenieX.ai, Inc. ("Loan GenieX.ai," "we," "our," or "us") collects, uses, discloses, and protects your personal information when you interact with our AI-powered mortgage automation platform or website.

Loan GenieX.ai is a Florida-based corporation, and our practices comply with applicable State of Florida consumer lending laws and U.S. data privacy regulations.

1. Contact Information

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Effective Date." We encourage you to review it regularly.

2. Information We Collect

We collect "Personal Information" – any data that identifies or can reasonably identify a natural person.

For Website Visitors:

• Email address or contact details submitted via forms
• IP address, usage logs, browser type, device info, geolocation

For Prospective Customers:

• Publicly sourced data (e.g., from LinkedIn or business directories)
• Name, title, business email, phone number, company name

3. Legal Basis for Processing

We process Personal Information under the following legal bases:

• Contractual necessity (e.g., to provide services)
• Legitimate business interests (e.g., security, analytics, marketing)
• Legal compliance (e.g., lending and anti-fraud regulations)
• Consent (e.g., email marketing communications)

4. How We Use Personal Information

We use your information to:

• Provide, support, and improve access to our Platform
• Respond to inquiries or support requests
• Send service-related and marketing communications (with consent)
• Detect and prevent fraud or misuse
• Comply with applicable laws and lending regulations
• Conduct analytics and enhance user experience
• Develop new AI-driven services and tools

5. Sharing of Personal Information

We do not sell your Personal Information. We may share it with:

• Third-party vendors (hosting, analytics, communications)
• Affiliates and subsidiaries
• Legal or regulatory bodies if required
• Investors or buyers in the event of a business transaction

6. Data Security

We implement industry-standard security measures including:

• Encryption
• Multi-factor authentication
• Role-based access control

However, no transmission method is 100% secure. Please protect your own credentials.

7. Cookies & Tracking Technologies

We use cookies and technologies such as Google Analytics to:

• Improve user experience
• Analyze Platform performance
• Personalize content and advertisements

You can disable cookies via your browser. Learn more at www.allaboutcookies.org.

8. International Transfers

We primarily process data within the U.S., but may transfer data as needed using lawful mechanisms, in line with U.S. and Florida consumer lending privacy standards.

9. Data Retention

We retain your information as long as necessary to:

• Fulfill the purpose for which it was collected
• Meet legal and regulatory obligations
• Resolve disputes or enforce rights

We periodically review data to ensure it is up-to-date and deleted when no longer needed.

10. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete your Personal Information
• Object to or restrict certain processing
• Request data portability
• Withdraw consent (for marketing)
• File a complaint with a Florida or U.S. data protection authority

We may require verification of identity before processing your request. Some rights are subject to exceptions or legal obligations.

11. Children's Privacy

Loan GenieX.ai is not intended for children under 13. We do not knowingly collect data from children. If you believe a child has submitted personal information, contact us immediately.

12. Governing Law

This Privacy Policy is governed by the laws of the State of Florida, and applicable U.S. consumer lending and data privacy regulations.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, contact us at: