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Privacy Policy

Last Updated: February 20, 2025

Privacy Policy

BeapBeap Inc. ("BeapBeap," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our customer relationship management (CRM), contact management, document storage, and loan status tracking services (collectively, the "Services") through our platform. Our Services are designed for mortgage professionals and their teams, and this policy applies to all users who access our platform under a subscription agreement. By using our Services, you consent to the collection, use, and processing of your personal information as described in this Privacy Policy.

1. Information We Collect

We collect the following types of personal information:

  • User-Provided Information: When you or your company (our subscribers) use our Services, you may provide us with personal information included in mortgage loan applications (e.g., Fannie Mae 3.4 XML MISMO files), such as:
    • Full name
    • Address
    • Social Security Number
    • Financial details (e.g., income, assets, debts)
    • Employment history
    • Contact information (e.g., email, phone number)
  • Uploaded Documents: Documents you upload for loan status tracking or storage (e.g., pay stubs, tax returns, bank statements).
  • Usage Data: Information about how you interact with our Services, collected via cookies, including IP address, browser type, and basic usage patterns for minimal analytics, authentication, and user recognition.
  • Account Information: Information you provide to create and manage your account (e.g., name, email, company details).

We do not knowingly collect personal information from individuals under 13 years of age.

2. How We Use Your Information

We use your personal information for the following purposes:

  • To provide and maintain our Services, including CRM tools, contact management, document storage, loan status tracking, and tailored client proposals.
  • To generate analytics for your benefit (e.g., loan pipeline insights) and for our internal business purposes (e.g., improving our platform).
  • To process subscription payments and manage your account.
  • To communicate with you about your account, updates, or support requests.
  • To authenticate users, recognize returning users, and perform minimal analytics to enhance user experience through aggregated or anonymized data.
  • To comply with legal obligations and protect the security of our Services.

3. How We Share Your Information

We do not sell or rent your personal information. We may share your information as follows:

  • With Your Company: Information you input remains owned and controlled by you or your company (our subscriber).
  • As Directed: We may share information as you direct or to fulfill contractual obligations.
  • Service Providers: We use Amazon Web Services (AWS) in the U.S. to store and process your data securely. AWS is bound by strict confidentiality and security obligations.
  • Legal Requirements: We may disclose information if required by law, such as in response to a court order or to comply with the Gramm-Leach-Bliley Act (GLBA).
  • Business Transfers: If BeapBeap Inc. is involved in a merger, acquisition, or sale, your information may be transferred, but we will notify you of any changes in ownership.

4. Data Storage and Security

Your personal information is stored on secure AWS servers located in the United States. We implement reasonable security measures to protect your data, including:

  • Encryption of data at rest and in transit for all data.
  • Strict access controls using role-based access control (RBAC) and zero-trust architecture principles, requiring multi-factor authentication (MFA) for all staff and system access.
  • Regular security audits to assess and improve our safeguards.
  • Anonymization of data used for analytics where possible.

Despite our reasonable security measures, we are not liable for unauthorized access or data loss beyond our control, provided we have taken appropriate steps to protect your information. No system is 100% secure, and we encourage you to use strong passwords.

5. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access: You can view and update your data through the pipeline management features of our Services.
  • Deletion: You can request deletion of your data via your account settings or by contacting us, subject to our legal obligations.
  • Retention: We retain your personal information only as long as necessary to provide the Services or as required by law.
  • Cookies: You can disable cookies for essential functions (authentication, user recognition) and minimal analytics. You may disable cookies through your browser settings, though this may affect functionality.

6. Cookies and Tracking Technologies

We use cookies solely for essential purposes, including site authentication, recognizing returning users, and minimal analytics to improve our Services. We do not use tracking pixels or other user tracking technologies beyond what is necessary for these functions. You can manage cookie preferences via your browser settings.

7. Third-Party Links

Our Services may contain links to third-party sites (e.g., payment processors). We are not responsible for their privacy practices and encourage you to review their policies.

8. Children's Privacy

Our Services are not intended for individuals under 13. If we learn we have collected such data, we will delete it promptly.

9. User Responsibilities

You are solely responsible for ensuring that any data or documents you upload comply with all applicable laws and do not infringe on third-party rights. You are also responsible for ensuring your use of our Services complies with all applicable laws and regulations.

10. Compliance with Privacy Laws

We comply with the Gramm-Leach-Bliley Act (GLBA) as applicable to our processing of financial data. For California residents, we align with the California Consumer Privacy Act (CCPA) where it applies. Rights/exemptions may exist under GLBA. If you believe CCPA applies to you, contact us for further details on your rights.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our platform with the "Last Updated" date revised. Significant changes will be communicated to you directly within the Services.

12. Contact Us

For questions or concerns about this Privacy Policy, contact us at:Privacy@mybeapbeap.com