1. Overview
Defy Wholesale ("Defy," "we," "us," or "our") provides a business-to-business platform for licensed mortgage brokers and industry professionals. This Privacy Policy explains how we collect, use, share, and protect information in connection with our website, tools, and services (the "Platform"). This Platform is not intended for consumers and is not an offer to lend.
2. Information We Collect
- Account & contact details — name, business email, phone, company, NMLS ID.
- Submitted scenario data — loan parameters, property information, and borrower details you upload for pricing or review.
- Usage data — pages viewed, features used, device/browser type, and approximate location derived from IP.
- Communications — messages you send us via forms, email, chat, or phone.
3. How We Use Information
We use information to operate and improve the Platform, respond to inquiries, price and review scenarios, prevent fraud, comply with legal obligations, and communicate with broker partners about products and updates. We do not sell personal information.
4. Sharing
We share information with service providers that support the Platform (hosting, analytics infrastructure, email delivery, and loan origination systems), with affiliates, and when required by law or to protect our rights. Broker-submitted scenarios may be shared internally with our underwriting, pricing, and account teams.
5. Security
We use administrative, technical, and physical safeguards designed to protect the information we handle. No method of transmission or storage is 100% secure.
6. Retention
We retain information for as long as necessary to provide the Platform, comply with legal obligations, resolve disputes, and enforce our agreements.
7. Your Choices
You may request access, correction, or deletion of information you provided by contacting us. You can opt out of marketing communications by replying STOP to text messages or using the unsubscribe link in emails.
8. Cookies
The Platform uses first-party cookies and similar technologies to keep you signed in, remember preferences, and measure performance. You can control cookies through your browser settings.
9. Changes
We may update this Privacy Policy from time to time. Material changes will be posted on this page with a new "Last updated" date.
10. Contact
Questions about this Privacy Policy? Email help@defywholesale.com or call (615) 927-0838.