Privacy Policy
MLO Networks, 514 Americas Way, #24746, Box Elder, South Dakota 57719 (Company, we, us, or our) respects your privacy. This policy explains what we collect, how we use and share it, and the choices you have when you visit our websites, ask for a free business ad, or contact a loan officer through a directory. Loan officers who subscribe are also covered by the MLO Networks Privacy Policy.
1. Information We Collect
- Free ad requests: your business name, your name and title, phone number, email address, business website address, and any notes you write.
- Inquiries and requests: what you send us through contact, inquiry, and legal request forms.
- Website content: when you ask for an ad, public text and pictures from the website you give us, which an AI tool may read to draft your ad.
- Agreement records: the version of each agreement you accept, with the date and time.
- Technical data: the IP address and browser details that our hosting providers record when you visit.
- Loan officers: registration, licensing, sign-in, and billing information described in the MLO Networks Privacy Policy. Payments are handled by Stripe, and we do not store full card numbers.
2. How We Use It
- To create, display, and manage your free ad and directory listing.
- To pass your request to the loan officer whose directory you used, and to contact you about your ad, as described in the Participating Business Agreement.
- To run, secure, and improve our sites, and to prevent fraud and abuse.
- To answer your requests and to meet legal duties.
We do not sell your personal information and we do not share it for advertising on other websites.
3. Who We Share It With
- The loan officer (MLO) whose directory you used, who receives your request and contact details.
- Google (Cloud, Firebase, Gemini AI, Fonts, Translate): hosting, storage, sign-in, AI ad drafting, and fonts that your browser loads directly (which shares your IP address with Google).
- Postmark: email delivery. Cloudflare: delivering our websites. Jina AI Reader: reading the public page of a website you give us. Stripe: payments by loan officers.
- Google reCAPTCHA: our forms use Google reCAPTCHA to stop automated abuse. It checks your browser and may set or read a cookie. Google's privacy policy and terms apply to that check.
- TechSmith Screencast: our demonstration videos play from Screencast.com. When you open a page that has a video, your browser may connect to Screencast to get the video player, which shares your IP address and browser details with TechSmith. Playing the video is your choice, but the player may be loaded in the background when the page opens.
- Others when required: to obey the law or legal process, to protect rights and safety, or in a sale or merger of our business.
Your business name, ad, pictures, and website address become public when your ad is published.
4. Cookies & Do Not Track
We use essential browser storage to keep sessions working, plus Google reCAPTCHA, which is used only to protect our forms. We do not use third-party advertising or cross-site tracking cookies. Because we do not track you across other websites, we do not change how our sites work when your browser sends a Do Not Track signal.
5. Texts and Email
If you give us your phone number or email address in a free ad request, we and the loan officer may contact you about your ad as explained in the Participating Business Agreement. Reply STOP to any text, or use the unsubscribe link in any email, to opt out, or use our Legal & Privacy Requests form. We do not sell or share phone numbers for marketing.
6. Security & Retention
We use encrypted connections (HTTPS/TLS), access controls on our database, and sign-in protections. No system is perfectly secure. If a breach affects your personal information, we will notify you as required by law. We keep information as long as needed to provide the service and for legal, accounting, security, and dispute purposes, and we delete or de-identify it on request unless we must keep it.
7. Your Choices & Rights
You may ask us to see, correct, or delete your personal information, to remove your ad, or to stop contacting you, using our Legal & Privacy Requests form. We may need to verify your identity, and we will respond within 45 days (we may extend once by another 45 days if we tell you why).
California residents: you have the right to know what personal information we collect, use, and disclose; to request deletion and correction; to opt out of the sale or sharing of personal information (we do not sell or share it); to limit use of sensitive personal information (we do not use it beyond providing the service); and to not be treated differently for using these rights. You may use an authorized agent. Under California Civil Code section 1798.83, we do not disclose personal information to third parties for their own direct marketing.
8. Children
Our sites are for adults in business. We do not knowingly collect information from anyone under 18.
9. Where Data Is Processed
We operate in the United States and your information is processed and stored in the United States.
10. Changes to This Policy
We may update this policy. We will change the effective date above and, for material changes, post a notice on our sites or email you before they take effect.
11. Contact
Use our Legal & Privacy Requests form, or write to MLO Networks, 514 Americas Way, #24746, Box Elder, South Dakota 57719.