How Mortgage File IQ Uses AI — and How Your Data Is Handled

1. What AI is used on this site

• The Mortgage File IQ assistant is a chatbot that answers from the site's own curated educational content. It pulls from a fixed knowledge base written and reviewed by the site owner — it does not search the live web, does not browse government portals or third-party websites, and cannot run tasks on its own.
• AI-generated media on the site (illustrations, video prompts, demo scripts) is created with standard generative-AI tools and labeled or presented as creative content.
• The assistant is an education tool, not a decision tool. It organizes, calculates, flags, and recommends verification. It does not approve, deny, qualify, or clear anyone for a loan — and it is not a substitute for your lender or loan officer.

2. Safeguards

• Human review. The site owner reviews assistant content, knowledge updates, and published materials before and after they go live.
• No autonomous browsing or scraping. The assistant cannot browse the internet on its own, cannot visit government websites, and cannot scrape or pull data from third-party portals. It answers only from the site's curated content.
• Redaction warnings. Chat and voice interfaces warn you not to paste unredacted personal or financial documents. If you share something sensitive by mistake, do not assume it is private — redact first.
• Usage limits. The assistant is a capped product: usage quotas apply per account. Caps are there to keep the service stable and affordable, not to harvest data.
• No eligibility verdicts. The tools and assistant are designed to identify and explain, not to decide. Nothing on this site constitutes a mortgage approval, denial, qualification, eligibility determination, or clearance to close.

3. How your data is handled

What we store:

• Account information you provide at signup (name, email) — only if you create an account.
• Data you explicitly save while logged in (saved tool entries, preferences).
• Site operation may include anonymous analytics to improve the service.

What we never collect through public chat or voice:

• Mortgage documents, tax returns, pay stubs, bank statements, or other unredacted financial documents.
• Government ID numbers, full account numbers, or other unredacted personal identifiers.

Free tools: The free borrower tools require no login and no personal information. Entries you type into free tools that are not saved to an account stay on your device only.

Saved data: Anything that persists beyond your session requires a login, and is tied to your account. To request a copy or deletion of your data, contact info@mortgagefileiq.com.

Third parties: The site uses third-party services to operate (hosting, payments, authentication, email delivery).

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