Legal

Overview

LoanPigeon provides software tools designed to help mortgage brokers streamline loan intake processes. Our platform facilitates document collection, organization, and workflow automation for loan submissions.

Important: LoanPigeon does not provide mortgage, legal, or professional advice. We are a software service provider focused solely on intake automation and document management.

Broker Responsibility

Brokers using LoanPigeon remain fully responsible for all aspects of loan handling, including but not limited to:

• Compliance with applicable mortgage regulations and requirements
• All communications with borrowers, lenders, and other parties
• Accuracy and completeness of loan information
• Data security and privacy obligations specific to their operations
• Professional standards and ethical requirements

Use of the Service

LoanPigeon is provided "as is" and "as available" for your use. While we strive to maintain reliable service, we do not guarantee uninterrupted or error-free operation. We may perform maintenance, updates, or modifications that temporarily affect service availability.

You agree to use LoanPigeon in compliance with all applicable laws and regulations, and in a manner that does not infringe upon the rights of others or interfere with the operation of the service.

Limitation of Liability

To the maximum extent permitted by law, LoanPigeon's total liability for any claims arising from or related to the use of our service shall not exceed the total fees paid to LoanPigeon by you in the twelve (12) months preceding the claim.

LoanPigeon shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, regardless of the theory of liability.

Termination

Either party may terminate access to LoanPigeon at any time. Upon termination, your right to access and use the service will cease.
Where reasonably practicable, LoanPigeon may provide advance notice of termination and allow limited access to retrieve data, subject to our then-current policies.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions.

Information We Collect

To provide and improve LoanPigeon, we collect the following types of information:

• Account Information: Name, email address, broker details, and other information you provide when creating an account
• Uploaded Files and Metadata: Documents, images, and related metadata that you or your borrowers upload through the platform
• Usage Data: Information about how you interact with LoanPigeon, including features used, timestamps, and system logs

How We Use Information

We use the information we collect to:

• Provide, maintain, and improve the LoanPigeon service
• Process transactions and manage your account
• Respond to your support requests and communicate with you
• Analyze usage patterns to enhance product features and user experience
• Ensure security and prevent fraud or abuse

Data Protection

We implement reasonable technical and organizational safeguards to protect your information. This includes secure cloud infrastructure, encryption in transit and at rest, access controls, and regular security assessments.

While we take data security seriously, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to maintaining industry-standard protections.

Data Sharing

We do not sell your data. We may share information only in the following circumstances:

• Service Providers: With trusted third-party service providers who assist in operating our platform (e.g., cloud hosting, payment processing) under strict confidentiality agreements
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with notice to users

Data Retention

We retain your data while your account is active and for a reasonable period thereafter to comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated data by contacting us at the email address below.

Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us at:

support@loanpigeon.com