Privacy Policy

1. Who We Are

DSCRLoan.Loan is a website operated by Loan Daddy LLC, an Arizona Limited Liability Company (Company NMLS #2827624) with its principal office at 4111 N Drinkwater Blvd, Apt F202, Scottsdale, AZ 85251. For all privacy-related inquiries, requests under the CCPA/CPRA, or other questions about this Policy, please contact us at [email protected].

Loan Daddy LLC is a mortgage brokerage. We arrange business-purpose loans on non-owner-occupied investment real estate through a network of wholesale lender partners. We are a broker, not a lender.

2. Information We Collect

Personal Information You Provide

We collect information you voluntarily provide when you:

• Complete a scenario-review form, loan inquiry, or contact request
• Use the DSCR calculator or other tools
• Subscribe to email updates or request information
• Communicate with us by phone, email, or text

This information may include name, email, phone, mailing address, property details, estimated property value, estimated rental income, approximate credit score range, entity/LLC information, and notes about your investment scenario. We do not collect Social Security numbers or full credit-bureau data on this site; that information is collected only by the wholesale lender after you proceed to a formal application on their platform.

Information Collected Automatically

When you visit the site, we automatically receive device and browser information (IP address, user-agent, referrer URL, pages visited, approximate location), and we set cookies or similar technologies for analytics, advertising measurement, and fraud prevention.

3. How We Use Your Information

• Respond to your business-purpose loan inquiry and scenario-review request
• Route your file to appropriate wholesale lending partners for pricing and eligibility review
• Send transactional communications about your inquiry or loan
• Send marketing communications (with consent — you may opt out at any time)
• Prevent fraud, secure the site, and comply with legal obligations
• Improve our site, services, and compliance workflow

4. How We Share Information

We share information with:

• Wholesale lender partners: Third-party lender partners that may fund your loan. They operate under their own privacy policies.
• Service providers: Companies that provide technology, hosting, CRM, email, phone, e-signature, identity verification, and analytics services on our behalf, bound by confidentiality obligations.
• Legal/regulatory: Law enforcement, regulators (including the California Department of Financial Protection and Innovation), or courts when required by law.
• Business transfers: A successor entity in the event of a merger, acquisition, or sale of assets.

We do not sell your personal information for monetary consideration. Under CCPA/CPRA, certain data sharing with advertising partners for cross-context behavioral advertising may be considered "sharing." You may opt out at any time — see our Do Not Sell or Share page.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

5. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

• Know what personal information we have collected, used, disclosed, and sold/shared
• Request deletion of personal information we hold about you
• Request correction of inaccurate personal information
• Opt out of the sale or sharing of personal information
• Limit the use and disclosure of sensitive personal information
• Non-discrimination for exercising your privacy rights

To exercise any of these rights, email us at [email protected]. We verify requests by matching the information you provide against records we already have. We will respond to verifiable consumer requests within the timeframes required by law.

6. GLBA Notice (Financial Privacy)

Because Loan Daddy LLC is a financial-services company engaged in brokering loans, the federal Gramm-Leach-Bliley Act (GLBA) applies to certain nonpublic personal information we collect. We restrict access to that information to employees and service providers who need it to perform services for you, and we maintain physical, electronic, and procedural safeguards to protect it.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure, including TLS encryption in transit, access controls, and periodic review of third-party service providers. No system is 100% secure; we do not guarantee absolute security of information transmitted over the internet.

8. Cookies and Tracking

We use cookies and similar technologies for essential site operation, analytics, and advertising measurement. You can control cookies through your browser settings. Disabling cookies may affect site functionality.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe a child has provided personal information to us, contact us and we will promptly delete it.

10. Changes to This Policy

We may update this policy periodically. The "Last updated" date at the top of this page indicates when it was last revised. Material changes will be highlighted or communicated where required by law.

11. Contact Us