Overview
VirtuaLending provides digital loan inquiry, quote, and borrower portal tools for real estate investors. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, request a quote, communicate with us, or use our services.
By using VirtuaLending, you acknowledge that we may handle personal information as described in this policy. Some information may also be covered by additional disclosures required for mortgage, credit, or financial services.
Information we collect
- Contact information, such as your name, email address, phone number, mailing address, and communication preferences.
- Loan and property information, such as loan purpose, requested amount, purchase price, estimated property value, property address, rental income, unit details, entity information, investor experience, and refinance or purchase details.
- Application and document information that you choose to provide, including uploaded files, bank or income documentation, insurance information, entity documents, or other materials related to a loan request.
- Identity and credit-related information, such as date of birth, Social Security number, credit authorization details, credit profile information, and consumer report information when you authorize a credit review.
- Account and portal information, including login credentials, authentication events, loan file status, tasks, messages, and activity within the borrower portal.
- Device, usage, and analytics information, such as IP address, browser type, pages visited, referral source, campaign parameters, approximate location, and interactions with our website or ads.
How we use information
- To receive and process your quote request, create a loan file, evaluate available loan options, and present pricing or eligibility information.
- To contact you by phone, text message, email, or portal message about your inquiry, quote, loan file, documents, tasks, and service updates.
- To verify identity, prevent fraud, perform underwriting support, obtain credit information where authorized, and comply with mortgage, credit, security, and recordkeeping obligations.
- To operate, secure, debug, personalize, and improve our website, quote flow, borrower portal, analytics, advertising, and customer support workflows.
- To enforce our Terms of Service, protect our rights and the rights of others, respond to legal requests, and comply with applicable law.
Credit and identity information
We collect Social Security numbers, dates of birth, credit report details, and similar sensitive information only when needed for identity, credit, compliance, or loan processing purposes and when you provide or authorize that information. Submitting a quote request does not by itself require a hard credit inquiry.
If you authorize us or our partners to obtain a consumer report, that information may be used to evaluate loan options, verify eligibility, detect fraud, and complete required loan processing steps.
Texts, calls, and email
When you provide your phone number and consent to receive messages, you agree that VirtuaLending may contact you by text message, phone call, or email about your quote request, loan file, documents, and related services. Message and data rates may apply. You can reply STOP to opt out of text messages where supported.
Operational messages related to an active request may still be sent where permitted by law. You can also contact us to update your communication preferences.
Your choices and privacy rights
Depending on where you live, you may have rights to request access to personal information, correction, deletion, portability, restriction, or to opt out of certain disclosures or targeted advertising. We will respond to verified privacy requests as required by applicable law.
To make a request, email support@virtualending.com and describe the right you want to exercise. We may need to verify your identity before completing the request. Some information may be retained when necessary for legal, security, fraud prevention, loan processing, or recordkeeping purposes.
Security and retention
We use administrative, technical, and physical safeguards designed to protect personal information. No online service can guarantee absolute security, but we work to protect information from unauthorized access, disclosure, alteration, or destruction.
We retain information for as long as needed to provide services, maintain records, comply with legal obligations, resolve disputes, enforce agreements, improve our systems, and protect against fraud or misuse.
Children
VirtuaLending is intended for adults seeking investment property financing information. We do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, contact us so we can review and delete it where appropriate.
Changes to this policy
We may update this Privacy Policy from time to time. When we make changes, we will update the effective date above. Your continued use of the site or services after an update means you acknowledge the revised policy.
Contact us
For privacy questions or requests, contact VirtuaLending at support@virtualending.com or call (323) 693-8064.