1. Who We Are
nuFLIP Inc. ("nuFLIP," "we," "our," or "us") is a financial technology company incorporated in the State of Arizona. We operate the nuFLIP platform at nuflip.io and associated services that connect real estate investors with private lending solutions, including fix-and-flip loans, bridge loans, ground-up construction loans, and DSCR rental financing.
2. Information We Collect
We collect information you provide directly to us, including:
- Name, email address, phone number, and mailing address
- Property addresses and real estate investment details
- Financial information such as estimated credit scores, income, and property values
- Social Security Numbers when required for formal loan applications
- Documents you upload (purchase agreements, bank statements, appraisals, etc.)
- Communications you send to us through the platform or email
We also automatically collect certain usage data when you visit our platform, including IP address, browser type, pages viewed, and referring URLs, for security and analytics purposes.
3. How We Use Your Information
We use the information we collect to:
- Process loan applications and generate loan quotes
- Connect you with Account Executives and lending partners
- Communicate with you about your loan status, documents, and updates
- Send appointment reminders, scheduling updates, and follow-up messages (with your consent)
- Improve our platform, detect fraud, and ensure security
- Comply with legal obligations and applicable regulations
4. SMS / Text Message Communications
By providing your phone number and checking the SMS consent box on our platform, you consent to receive appointment reminders, scheduling updates, and other follow-up messages from nuFLIP Inc. Message frequency may vary. Msg & Data rates may apply. Reply STOP to cancel at any time and HELP for help. Consent is not a condition of credit or purchase. We do not share mobile phone numbers with third parties for their own marketing purposes.
5. Sharing Your Information
We do not sell your personal information. We may share your information with:
- Lending partners and investors as needed to evaluate and fund your loan
- Service providers who assist us with technology, communications, and operations (subject to confidentiality agreements)
- Regulatory authorities when required by law
6. Data Security
We implement industry-standard technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. All sensitive data is encrypted in transit and at rest. Access to borrower information is restricted to authorized personnel on a need-to-know basis.
7. Your Rights & Choices
You have the right to:
- Access and review the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your data (subject to legal retention requirements)
- Opt out of marketing communications at any time
- Withdraw SMS consent by replying STOP to any text message
8. Cookies & Tracking
Our platform uses cookies and similar technologies to maintain your session, remember your preferences, and analyze platform usage. You may disable cookies in your browser settings, though this may affect platform functionality.
9. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us at:
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date above. Your continued use of our platform after any changes constitutes acceptance of the updated policy.