KnowMyLoan — Privacy Policy

1. Who we are and what the Service does

KnowMyLoan is an educational software tool. A borrower uploads a mortgage Loan Estimate and receives a plain-English breakdown of the costs and an optional, directional comparison to public market data. If the borrower chooses, they can opt in to have a licensed mortgage broker follow up. KnowMyLoan is software provided to licensed brokers; it is not a lender, is not your mortgage broker, and does not make loans or give individualized financial, legal, or tax advice.

2. The information we collect

• Loan Estimate and its contents. The document you upload and the figures we read from it (loan amount, term, costs, property and loan details). This can include nonpublic personal financial information (“NPI”).
• Scenario inputs. Answers you provide to tailor the analysis (e.g., credit-score range, occupancy, property type, loan purpose, property state). We do not run a credit check and do not collect your Social Security number.
• Contact information — only if you opt in. If, and only if, you choose to request a broker review, we collect your name, email, and phone number, and your preferred contact method.
• Consent records. When you opt in, we record the exact consent text you agreed to, a version identifier, the date and time, your IP address, and your device’s user agent, as a record of your consent.
• Technical and usage data. IP address, device and browser information, and basic usage data, used for security, abuse prevention, and to operate the Service.

The free breakdown requires no contact details. We collect contact information only at the opt-in step.

3. How we use information

• To generate your cost breakdown and the directional public-data comparison.
• To route your request, only when you opt in and consent, to the licensed broker whose branded site you used.
• To operate, secure, and improve the Service, including abuse prevention and rate limiting.
• To comply with law and enforce our Terms.

4. Our status under the GLBA

We treat ourselves as a “finder” under the Gramm-Leach-Bliley Act. We handle your NPI in accordance with the GLBA Privacy Rule and maintain an information-security program consistent with the FTC Safeguards Rule (Section 9).

5. How we share information — and how we don’t

• We do not sell your personal information, and we do not share it for cross-context behavioral advertising.
• With the broker you choose — only on opt-in. When you opt in, we share your contact details, your scenario answers, and your uploaded Loan Estimate with the single licensed broker whose branded site you used, so they can follow up the way you asked. We do not broadcast your information to multiple brokers or sell it as a lead.
• Service providers. Vendors who host the Service, process the document with AI, send transactional email, and provide security, under contracts limiting their use to providing those services.
• Legal and safety. When required by law, to enforce our Terms, or to protect rights and safety.

6. Your consent and contact preferences (TCPA)

We contact you, or share your details with a broker who will contact you, only after you opt in and check the consent box naming that broker. Consent is not a condition of receiving your breakdown. You can opt out at any time, including by replying STOP to a text or asking to be removed.

7. Data retention

We keep your information only as long as needed to provide the Service, meet legal and recordkeeping obligations (including consent records), and resolve disputes, then delete or de-identify it.

8. Security

We maintain administrative, technical, and physical safeguards consistent with the FTC Safeguards Rule, including encryption in transit and at rest, access controls and multi-factor authentication for privileged access, vendor oversight, and an incident-response plan. Uploaded documents are stored privately and are accessible to your chosen broker only through short-lived, access-controlled links. No method of transmission or storage is perfectly secure.

9. Your privacy rights

Depending on where you live, you may have rights to access, correct, delete, or obtain a copy of your information, and to limit certain uses. To exercise any right, contact support@knowmyloan.com.

California residents (CCPA/CPRA). We do not sell or share your personal information as those terms are defined. You may request access, deletion, and correction, and you may designate an authorized agent. We will not discriminate against you for exercising these rights.

Other states. Residents of states with comprehensive privacy laws (including Virginia, Colorado, Connecticut, and others) have similar rights; the same contact applies. We add state-specific details here as we operate in those states.

10. Cookies and analytics

We use only the cookies and basic analytics needed to operate and secure the Service.

11. Children

The Service is for adults (18+) and is not directed to children. We do not knowingly collect information from anyone under 18.

12. Changes

We may update this Policy and will post the new effective date. Material changes will be made clear on the Service.

13. Contact

Know My Loan LLC — 221 Main St Ste N, Nashua, NH 03060 — support@knowmyloan.com