Privacy Policy 

1. Introduction

This NeedLOI privacy policy describes how Need LOI, Inc. (“Company,” “we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you use our website (NeedLOI.com) in accordance with the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Gramm-Leach-Bliley Act (GLBA), and other applicable U.S. privacy laws.

2. Information We Collect

We collect the following types of information:

• Name, phone number, email address, and mailing address
• Property addresses and financial documentation
• Employment status and income verification
• IP address, browser type, and site interaction data
• Information submitted via contact forms or applications

3. Use of Information

We use your information to:

• Process loan applications and inquiries
• Communicate regarding your account or loan request
• Improve website performance and services
• Comply with legal and regulatory requirements
• Prevent fraud and enforce legal agreements

4. Information Sharing

We may share your personal data with:

• Third-party lenders and funding partners
• Service providers for processing, underwriting, or title services
• Regulatory or government bodies as required by law
• With your consent for other business purposes

5. Your Rights Under CCPA & CPRA

California residents have the right to:

• Access specific pieces of personal information collected
• Request deletion of certain personal data
• Opt out of data sharing or targeted advertising
• Correct inaccurate personal information
• Limit the use of sensitive personal data

6. Data Security

We implement administrative, technical, and physical safeguards to protect your information. This includes data encryption, access control, and secure servers, as required by GLBA and the FTC Safeguards Rule.

7. Cookies and Tracking

We use cookies and similar technologies to personalize your experience and analyze traffic. You may control cookie settings in your browser or opt-out as described in our Cookie Privacy Policy.

8. Data Retention Policy

We retain your data for as long as needed to fulfill the purposes outlined in this policy, including for legal, regulatory, and internal business operations.

9. Children’s Privacy

This website is not intended for children under the age of 18. We do not knowingly collect personal information from minors.

10. Changes to this Privacy Policy

We may update NeedLOI privacy policy from time to time. The revised version will be posted on this page with an updated effective date.

11. Contact Us

If you have questions about this Privacy Policy or your data rights, contact us at 

📧 Email: privacy@needloi.com
📬 Mail: 1916 Pacific Ave. Suite 2000. Dallas, TX 75201
📞 Phone: (800) 664-7505