Privacy Policy

1. Introduction

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.

2. Information We Collect

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

• Personal Identification Information: Name, postal address, e-mail address, telephone number, and social security number (if provided in 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.

3. How We Use Your Information

We use information that we collect about you or that you provide to us:

• To present our Website and its contents to you.
• To process your mortgage application and obtain loan approvals through our sponsoring broker, The Mortgageist Inc..
• To communicate with you about your account or potential loan options.
• To fulfill any other purpose for which you provide it.

4. Disclosure of Your Information

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice.

However, we may disclose personal information that we collect or you provide as described in this privacy policy:

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

5. Data Security

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 Socket Layer (SSL) technology and encrypted.

6. Contact Information

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