Privacy Policy

MLOAssistant.com ("the Site") is a web property of Neobiz Ventures LLC ("Company," "we," "us," or "our"). This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit and use MLOAssistant.com.

1. Information We Collect

a. Information You Provide Directly

• Contact form submissions: name, email address, company/brokerage name, and any message content you provide
• AI tool inputs: information you enter into our prompt templates (e.g., your name, market area, loan types). We recommend you do not input personally identifiable borrower information
• Newsletter or communication sign-ups: email address and name if you opt in to communications

b. Information Collected Automatically

• Usage data: pages visited, features used, time spent, referring URLs, and interaction patterns
• Device information: browser type, operating system, screen resolution, and device type
• IP address: used for approximate geolocation (country/region level) and security purposes
• Cookies and analytics: we use Vercel Analytics and may use third-party analytics tools that use cookies or similar technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve the Site and its AI tools
• To respond to your inquiries and contact form submissions
• To send communications you have opted into (e.g., new article notifications, product updates)
• To analyze usage trends and improve user experience
• To detect and prevent fraud, abuse, or security incidents
• To comply with legal obligations

3. How We Share Your Information

We value your privacy and are selective about sharing. We may share your information in the following limited circumstances:

• Service providers: we share information with third-party service providers who help us operate the Site (hosting, analytics, email delivery). These providers are contractually obligated to protect your information and use it only for the services they provide to us
• AI service providers: when you use our AI tools, your prompt inputs are sent to AI model providers (e.g., OpenAI) to generate responses. These providers process data according to their own privacy policies and data processing agreements
• Legal requirements: we may disclose your information if required by law, subpoena, court order, or governmental regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others
• Business transfers: in the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change

4. Cookies and Tracking Technologies

The Site uses cookies and similar technologies for:

• Essential cookies: necessary for the Site to function properly
• Analytics cookies: to understand how visitors interact with the Site (Vercel Analytics)
• Preference cookies: to remember your settings and choices

You can control cookies through your browser settings. Note that disabling certain cookies may affect Site functionality.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. Contact form data is retained for up to 24 months. AI tool inputs are processed in real-time and are not stored on our servers after the session ends, though our AI providers may retain data according to their own policies.

6. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your information. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data with industry-standard practices.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: request a copy of the personal information we hold about you
• Correction: request correction of inaccurate information
• Deletion: request deletion of your personal information, subject to legal retention requirements
• Opt-out: unsubscribe from marketing communications at any time using the link in our emails
• Do Not Sell: we do not sell your personal information. If you are a California resident, you have the right to know whether your data is sold and to opt out (CCPA)

To exercise any of these rights, please contact us.

8. Children's Privacy

The Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us and we will promptly delete it.

9. Third-Party Links

The Site contains links to third-party websites and services. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

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 this page periodically. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us or write to: