Privacy Policy

Modellus provides software that mortgage loan officers and their teams use to manage loan files, request and review documents, communicate with borrowers, and track pipelines. We are a software provider. We are not a lender, mortgage broker, or credit reporting agency, and we do not make credit decisions.

Registered address: 808 Brickell Key Dr, Miami, FL 33131. You can reach us at privacy@modellus.ai.

Users are the loan officers, processors, and assistants who hold an account with us. Borrowers are their clients, whose information users store in the platform and who may receive documents, links, and emails on a user’s behalf, and text messages from Modellus when the loan officer has approved texting them. The same applies to the other contacts on a loan file, such as real estate agents, title, escrow, and insurance.

For borrower information, we act as a service provider to the user or their company, and we process that information only to deliver the service. Borrowers who want their information corrected or deleted should contact their loan officer first; if you contact us directly, we will route your request to them and help carry it out.

• Account information — name, email address, phone number, company, NMLS number, profile photo, and login credentials.
• Loan file information — borrower names, contact details, property addresses, loan amounts, loan program and status, and the documents uploaded to a file, which may include income, asset, identity, and credit information.
• Connected mailbox content — when a user connects a Google or Microsoft mailbox, we read messages in order to show them in the platform, attach them to the right loan file, and let the user reply. We do not use mailbox content to train models and we do not sell it.
• Communications we send — emails and text messages sent through the platform, their delivery status, and phone numbers and email addresses used to send and receive them.
• Usage information — log data, IP address, device and browser type, pages viewed, and actions taken in the product.

• To provide, operate, secure, and support the platform.
• To send transactional messages about a loan: document requests, status updates, portal links, reminders, sign-in codes, and replies — by email on a user’s behalf, and by text message from Modellus to the contacts of a loan file whom the loan officer has approved texting.
• To organize and summarize loan files and mailbox content, which in some features uses automated processing and third-party AI providers under contract. These providers are not permitted to use the content to train their models.
• To detect and prevent fraud, abuse, and security incidents.
• To comply with legal obligations.

We do not sell personal information, and we do not share it for cross-context behavioral advertising.

Text messages are sent by Modellus AI LLC from +1 (305) 938-9541, and each one begins with “Modellus:” and says how to opt out. We text the contacts of a loan file — borrowers and co-borrowers, and the other parties to the transaction (real estate agents, title, escrow, insurance, HOAs, appraisers, attorneys, and others) — when the loan officer handling the loan has added them to the file and approved texting them; the loan officer is responsible for having permission to text them. A contact can also opt in by checking the SMS consent box on our intake form, pre-qualification quiz, or borrower portal, or by texting START or YES to our number. Messages are only about that loan — documents, conditions, status, reminders, sign-in codes, and customer care — as described at our messaging terms. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time — we never text that number again until it replies START — or HELP for help.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All of the categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Phone numbers and consent records are shared only with the telecommunications providers strictly required to deliver the message, and only for that delivery.

We share personal information only in these situations:

• Service providers under contract who host our infrastructure, store documents, deliver email and text messages, process payments, and provide AI processing — each limited to what the service requires.
• Within the user’s own team, according to the roles and permissions the account owner sets.
• Systems the user connects, such as their loan origination system or mailbox, at their instruction.
• Legal — when required by law, subpoena, or to protect rights and safety.
• Business transfer — in a merger, acquisition, or sale of assets, with notice.

Loan files contain nonpublic personal information subject to the Gramm-Leach-Bliley Act. We handle it as a service provider to the financial institution or mortgage professional using the platform, we use it only to perform the service, and we do not disclose it except as permitted by that relationship and by law.

Data is encrypted in transit and at rest. Access is restricted by role, and each account’s data is isolated at the database level. No system is perfectly secure, but we work to keep the platform safe and will notify affected users of a breach as required by law.

We keep account and loan file information for as long as the account is active, and afterwards only as needed to meet legal, tax, and recordkeeping obligations. Users can delete individual records at any time. Opt-out records for text messaging are kept indefinitely, because we need them to keep honoring the opt-out.

Depending on where you live, you may have the right to access, correct, delete, or receive a copy of your personal information, and to object to certain processing. Write to privacy@modellus.ai and we will respond within the time the applicable law allows. We will not discriminate against you for exercising these rights.

The platform is for business use by adults. We do not knowingly collect personal information from anyone under 18.

If we make material changes, we will update the date at the top of this page and, when the change is significant, notify account owners by email.

Modellus AI LLC
808 Brickell Key Dr, Miami, FL 33131
privacy@modellus.ai