Privacy Policy

1. Information We Collect

Pylot by Lendid Loans, LLC collects personal information necessary to process your mortgage refinance application, including but not limited to: name, contact information, Social Security number, financial account information, employment details, and property information.

2. How We Use Your Information

We use the information we collect to: evaluate your eligibility for a mortgage refinance; obtain pricing and product options on your behalf; verify your identity, income, assets, and insurance; comply with federal and state lending regulations; and communicate with you about your application status.

3. Third-Party Service Providers

We share your information with the following categories of service providers to process your application: (1) Pylon — our mortgage origination engine for pricing, underwriting, and loan processing; (2) Plaid — for secure bank account verification; (3) Truv and The Work Number — for employment and income verification; (4) Canopy Connect — for insurance verification; (5) Consumer reporting agencies — for credit reports as authorized by you; (6) Google Maps Platform — for address autocomplete suggestions as you type an address; (7) DocuSign — for electronic signature of disclosures and loan documents.

Your use of Google Maps Platform is also subject to the Google Privacy Policy.

4. Data Security

We use industry-standard security measures to protect your personal information, including encryption in transit and at rest, secure server environments, and access controls. Your Social Security number and date of birth are stored only in encrypted form, application access to them is restricted to secured server processes, and every application read or write of that data is logged.

5. Data Retention

We retain your personal information for the duration of your loan application and as required by applicable law. If your application is withdrawn or denied, we retain records as required by federal and state regulations, after which your data is securely deleted.

6. Your Rights

You have the right to access, correct, and request deletion of your personal information, subject to legal and regulatory requirements. To exercise these rights, contact us at the address provided below.

7. Regulatory Compliance

Lendid Loans, LLC complies with all applicable federal and state laws including the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Real Estate Settlement Procedures Act (RESPA), and the Truth in Lending Act (TILA). We are a licensed Texas mortgage broker, NMLS# 1470572.

8. Text Messaging

If you provide a mobile phone number and opt in, we may send you recurring text messages related to your loan, such as application-status updates, verification codes, and messages from your mortgage advisor. Consent to receive text messages is not a condition of using Pylot or of obtaining any loan. Message frequency varies, and message and data rates may apply. You can opt out at any time by replying STOP, or reply HELP for help. We do not sell your personal information. No mobile information — including your phone number and your consent to receive text messages — is shared with third parties or affiliates for marketing or promotional purposes, and text-message opt-in data and consent are never shared with any third parties.

9. Changes to This Policy

We may update this policy from time to time. Material changes will be communicated via email or a notice on pylotmortgage.com. Continued use of Pylot after changes constitutes acceptance of the revised policy.

10. Contact Us

For questions about this privacy policy or to exercise your rights, contact Lendid Loans, LLC at pylotmortgage.com.