Legal · Last updated November 6, 2026
Privacy Policy
Information we collect
Mortgage File IQ collects names and verified email addresses for guide delivery, account access, purchases, customer support, and service communications. We may also collect purchase records, product-access history, support communications, and information voluntarily submitted for a paid review. Our payment provider processes payment-card details; Mortgage File IQ does not store full card numbers.
Professional reviews
Documents submitted through secure intake are stored in restricted file storage and used to perform the requested service. Submit only necessary documents and redact Social Security numbers, full account numbers, passwords, and other unnecessary sensitive information whenever possible. The person submitting documents is responsible for having authority to provide them.
How we use information
We use information to verify email addresses, deliver resources, fulfill purchases, operate accounts, perform paid reviews, provide written results, prevent fraud, maintain security, and respond to support or cancellation requests. We do not sell personal information.
Service providers
Necessary information may be processed by our website host, secure-storage provider, email-delivery provider, payment processor, chatbot provider, and other vendors needed to operate the service. Those providers process information under their own terms and privacy obligations.
Voice
If you use the voice feature, your microphone audio is sent to OpenAI's Realtime API for live transcription and response. Mortgage File IQ does not store the transcript — it stays on your screen. OpenAI's data handling applies to the audio it processes. We store only session metadata (a hashed network identifier, session length, and cost) to operate the service and enforce usage limits.
Advertising and cookies
Third-party vendors, including Google through its AdSense advertising program, use cookies to serve ads on this site. Google's use of advertising cookies, including the DoubleClick cookie, enables Google and its partners to serve ads to you based on your visits to this site and other sites on the internet. These cookies may collect information about your visits, such as pages viewed, in order to show advertising that is relevant to you.
You can learn more about how Google uses information from sites or apps that use Google services at How Google uses information from sites or apps that use our services. You can opt out of personalized advertising from Google by visiting Google Ads Settings. Opting out does not remove advertising entirely; it means the ads you see will no longer be personalized based on your interests.
Public chat and external communication
Do not send Social Security numbers, account credentials, full account numbers, or loan documents through the public chatbot, ordinary email, WhatsApp, Instagram, or other social media. Use secure customer intake for paid file documents. External communication platforms process information under their own privacy policies.
Retention, access, correction, and deletion
We retain information as reasonably needed to deliver services, maintain purchase and licensing records, meet legal or accounting obligations, resolve disputes, and protect the service. You may request access, correction, or deletion by emailing only1deelopez@gmail.com. Some records may be retained where required for legal, security, fraud-prevention, tax, or contractual purposes.
Contact
Mortgage File IQ
505 N Figueroa St, Los Angeles, CA 90012-2116
Business phone: (424) 258-0775
Email: only1deelopez@gmail.com
WhatsApp: (424) 258-0775
For purchase, delivery, account, cancellation, or review assistance, visit the Support page. Review the Terms of Service for purchase and cancellation policies.