Privacy Policy

Vai Sista (NMLS #2719500), doing business as “Loans by Vai,” and operating under the sponsorship of The Mortgageist Inc. (NMLS #2710734) (“we,” “our,” or “us”), respects your privacy and is committed to protecting it through compliance with this policy.

This policy describes the types of information we may collect from you, or that you may provide, when you visit the website www.loansbyvai.com (our “Website”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

We collect several types of information from and about users of our Website, including:

• Personal identification information: name, postal address, email address, telephone number, and Social Security number (only if provided within a secure application).
• Financial information: assets, income, debt, and employment history necessary for loan qualification.
• Technical data: IP addresses, browser type, and operating system details collected automatically via cookies and analytics.
• Scenario data: the inputs you enter into our calculators, which are submitted only when you choose to send a scenario to us.

We use the information we collect:

• To present our Website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To communicate with you about your account or potential loan options.
• To fulfill any other purpose for which you provide it.

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties without providing advance notice. However, we may disclose personal information that we collect, or that you provide, as described in this policy:

• To The Mortgageist Inc., our sponsoring broker, for the purpose of originating and processing your loan.
• To third-party service providers — such as credit bureaus, appraisers, and title companies — necessary to complete your transaction.
• To comply with any court order, law, or legal process, including responding to any government or regulatory request.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All sensitive financial information you provide is transmitted via Secure Sockets Layer (SSL) technology and encrypted at rest.

The safety and security of your information also depends on you. Where you have chosen a password for access to a loan application portal, you are responsible for keeping that password confidential.

You may opt out of marketing emails at any time using the unsubscribe link in any message, or by emailing us directly. Opting out of marketing does not stop transactional communication about a loan already in process.

To ask questions or comment about this privacy policy and our privacy practices, contact us at: