Privacy Policy

We collect information you provide directly — such as your name, contact details, and, where you apply for a loan, financial information needed to evaluate your application. We also collect information automatically, including device, usage, and log data, and information from cookies and similar technologies.

We use information to provide and improve our services, process and service loan applications, communicate with you, personalize your experience, maintain security, and comply with legal and regulatory obligations.

We may share information with service providers acting on our behalf, and with investors, partners, and others as needed to originate, fund, or service a loan, or as required or permitted by law. We do not sell your personal information.

We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or SMS consent with third parties or affiliates for their marketing or promotional purposes.

We may share mobile information with service providers solely as necessary to deliver and support our messaging services. These service providers are not permitted to use mobile information for their own marketing or promotional purposes.

SMS consent is specific to Genius and is not transferable to another business. Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP. Reply HELP for assistance.

As a financial services provider, we handle nonpublic personal information in accordance with the Gramm-Leach-Bliley Act and applicable state law. Our privacy practices for loan customers are described in the privacy notice provided in connection with your application.

We maintain administrative, technical, and physical safeguards designed to protect your information, including SOC 2-aligned controls. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

Subject to applicable law, you may access, correct, or request deletion of your personal information, and opt out of marketing communications. To exercise these rights, contact us using the details below.

Genius uses AI in different parts of the mortgage process and is model-agnostic. Depending on the task, we may use OpenAI, Google Gemini, or Anthropic Claude. We may switch models based on accuracy, cost, and the needs of the feature. The provider used for a particular task may change over time; your information is not necessarily sent to every listed provider.

Your loan documentation and application information are stored with, or on behalf of, the lender you apply with in an isolated lender workspace. They are kept separate from other lenders’ workspaces. Authorized processing by Genius and its service providers, including AI providers where a feature uses AI, is distinct from this separation between lenders.

Lenders using Genius are responsible for retaining required loan documentation in accordance with applicable state regulatory requirements and federal requirements, including rules administered by the Consumer Financial Protection Bureau (CFPB). Important application, disclosure, and loan records must be preserved for the applicable retention period. Requirements vary by record type, transaction, and jurisdiction; deletion requests do not override legally required retention. Contact your lender about the retention schedule and privacy notice that apply to your loan.

Questions about this policy? Contact Genius Technologies Corporation at 1444 S Entertainment Ave #110, Boise, ID 83709.