Privacy Policy, Consumer Privacy Notice & Data Disclosure

1. Company Information

BestPreQual™ is owned and operated by ZipBuy, LLC.

ZipBuy, LLC d/b/a ZipBuy® Home Loans
150 S. Pine Island Road, Suite 300
Plantation, FL 33324
Phone: (888) 693-7001
Email: info@bestprequal.com
Website: www.zipbuy.io

Residential Mortgage Licensing: ZipBuy, LLC d/b/a ZipBuy® Home Loans, Company NMLS ID 2522706. Management: Wilguimps Saint Jean, President & CEO, Individual NMLS ID 1890873.

Residential mortgage services are offered only in states and jurisdictions where ZipBuy, LLC and the applicable mortgage professionals are properly licensed or otherwise legally authorized to conduct business.

2. About BestPreQual and the ZipBuy Platform

BestPreQual.com is a consumer education, marketing, lead-generation, and pre-qualification inquiry platform operated by ZipBuy, LLC. It is designed to help consumers and businesses explore potential financing options and connect with appropriately licensed or authorized professionals and providers.

BestPreQual may receive inquiries relating to:

Residential home purchases and refinancing
Home equity financing
Investment property and DSCR financing
Commercial real estate financing
Multifamily, mixed-use, bridge, and construction financing
SBA-related and business-purpose financing
Real estate services
Other financing or property-related services

Submitting information through BestPreQual does not, by itself, constitute a mortgage loan application, loan approval, commitment to lend, guarantee of financing, investment recommendation, real estate brokerage agreement, or approval of any particular product or transaction.

3. ZipBuy Companies and Business Units

Depending on the nature of a consumer inquiry, information may be routed to the ZipBuy company, business unit, professional, or participating provider best positioned to respond. These may include:

ZipBuy, LLC d/b/a ZipBuy® Home Loans - residential mortgage financing
ZipBuy CRE, LLC - commercial, investment, and business-purpose financing
ZipBuy Realty, LLC d/b/a ZipBuy Homes Team - real estate brokerage and referral services
Other properly licensed or authorized ZipBuy-affiliated companies, divisions, or professionals relevant to the request

Information is routed based on the type of service requested, licensing requirements, geography, availability, product eligibility, and other operational considerations.

4. Information We May Collect

Depending on how you interact with us, we may collect information that you provide directly, information generated automatically, and information received from service providers, advertising platforms, referral sources, or participating providers.

First and last name
Telephone and mobile number
Email address
Mailing address and state of residence
Property address and property type
Purchase, refinance, investment, or commercial financing interest
Estimated purchase price or property value
Desired loan amount
Down payment information
Occupancy information
Investment property information
Business name, business type, and time in business
Business revenue and financing objectives
General income, asset, or credit-related information voluntarily provided
Real estate interests
Preferred contact time
Appointment information
Comments and details about your financing or real estate scenario
Referral source and campaign information
Communications with us
Other information you voluntarily submit through forms, surveys, questionnaires, or applications

We do not encourage consumers to submit highly sensitive information such as Social Security numbers, passwords, bank account credentials, or full payment-card information through general marketing forms unless specifically requested through an appropriate secure process.

5. Information Collected Automatically

When you interact with our websites, advertisements, emails, text messages, or other digital services, we and our service providers may automatically collect certain technical and usage information, including:

IP address
Browser type
Device and operating system
Referring website or advertising source
Pages viewed and website interactions
Approximate location derived from device or IP information
Cookies and similar identifiers
Analytics data
Advertising identifiers
CRM activity
Email and SMS engagement
Conversion and attribution information

We may collect this information through cookies, pixels, tags, web beacons, analytics tools, CRM tracking, advertising technologies, and similar technologies.

6. How We Use Personal Information

We may use personal information for legitimate business and operational purposes, including to:

Respond to inquiries and provide requested information
Determine which ZipBuy company, professional, or participating provider may be appropriate for a request
Connect consumers with licensed Mortgage Loan Originators, real estate professionals, commercial financing providers, or other authorized professionals
Provide mortgage, financing, real estate, and educational information
Schedule consultations and appointments
Manage leads and customer relationships through our CRM systems
Provide customer support
Personalize website experiences
Send service-related and permitted marketing communications
Improve websites, funnels, products, services, and user experience
Conduct analytics, advertising measurement, lead attribution, and reporting
Develop new services and marketing programs
Protect against fraud, abuse, unauthorized use, and security incidents
Maintain business and compliance records
Comply with legal, licensing, regulatory, and contractual obligations
Perform internal administration and quality control

7. WSJ Brands and Affiliated Company Sharing

ZipBuy, LLC is affiliated with WSJ Company Holdings, LLC d/b/a WSJ Brands ("WSJ Brands") and certain companies, brands, divisions, and business operations under common ownership, control, management, or branding.

Where permitted by applicable law and consistent with applicable notices and consents, information collected through BestPreQual may be shared with WSJ Brands and appropriate affiliated companies for purposes including:

Centralized customer relationship management
Lead routing and assignment
Customer support
Business operations and administration
Technology and website support
Analytics and reporting
Quality control
Fraud prevention and security
Compliance and recordkeeping
Marketing administration and business development
Consumer education
Determining which affiliated product or service may be relevant to an inquiry
Connecting a consumer with an appropriately licensed or authorized affiliated company or professional

Affiliation does not mean that every WSJ Brands company automatically receives every consumer's information. Information should be shared based on legitimate operational needs, the consumer's inquiry, applicable permissions and consents, and applicable law. An affiliated company will not perform a regulated activity unless the company or professional providing the service is properly licensed or otherwise legally authorized to do so.

8. Cross-Brand Marketing

Where permitted by applicable law and based on any consent required, ZipBuy, LLC, WSJ Brands, and appropriate affiliated companies may communicate with consumers about products, services, educational resources, or opportunities that may be relevant to their expressed interests or relationship with us.

These communications may relate to categories such as residential mortgage financing, home equity, investment property financing, commercial financing, business financing, real estate services, insurance, retirement or financial education, and other products or services offered through participating affiliated companies.

Receiving one type of service does not require a consumer to purchase another product or service from an affiliated company. Where separate consent is legally required for a particular marketing channel, company, or purpose, that consent will be sought as required.

9. Participating Providers and Licensed Professionals

Depending on the inquiry, we may share information with appropriately licensed, registered, or otherwise authorized professionals and organizations, which may include:

Mortgage brokers and mortgage lenders
Banks and credit unions
Commercial and business-purpose lenders
SBA lenders
Private lenders
DSCR and investment-property lenders
Equipment financing companies
Real estate brokers, sales associates, and Realtors®
Title, settlement, appraisal, insurance, and other transaction-related providers
Other providers relevant to the consumer's request

Independent providers may determine their own underwriting, pricing, eligibility, disclosures, privacy practices, and regulatory obligations. Consumers should review the privacy practices and terms of any independent provider with whom they choose to do business.

10. Third-Party Service Providers and Technology Partners

We may disclose information to vendors and technology providers that help operate our business, including providers of:

Customer relationship management systems
Website hosting and cloud infrastructure
Email and SMS communications
Telephone and call-management systems
Marketing automation
Advertising and analytics
Cybersecurity
Document management
Scheduling
Customer support
Software development and website maintenance
Artificial intelligence and automation tools
Compliance technology

We may authorize these providers to process information as reasonably necessary to provide services to us and subject to applicable contractual and legal requirements.

11. Residential Mortgage Disclosure

Residential mortgage financing is offered through ZipBuy, LLC d/b/a ZipBuy® Home Loans, Company NMLS ID 2522706. Mortgage products and services are available only where legally permitted and through appropriately licensed mortgage professionals.

Mortgage approval may be subject to credit approval, income verification, asset verification, employment verification, identity verification, property appraisal, property eligibility, underwriting, investor guidelines, loan-program guidelines, and applicable regulatory requirements. Rates, fees, terms, eligibility, and product availability may change without notice.

12. Commercial and Business-Purpose Financing Disclosure

Commercial and business-purpose financing inquiries may be handled through ZipBuy CRE, LLC or participating commercial financing providers. Products may include commercial real estate, DSCR, bridge, construction, investment-property, SBA, business acquisition, equipment, working-capital, and other business-purpose financing.

Commercial and business-purpose products are generally intended for investment, commercial, or business purposes and should not be interpreted as consumer residential mortgage products unless expressly offered through an appropriately licensed residential mortgage provider. Approval, rates, fees, collateral requirements, guarantees, prepayment provisions, and other terms are established by the applicable financing provider.

13. Real Estate Brokerage and Referral Disclosure

Real estate brokerage and referral services may be provided through ZipBuy Realty, LLC d/b/a ZipBuy Homes Team or participating licensed real estate professionals. Consumers may be referred based on geographic location, licensing, availability, property type, transaction type, and professional qualifications. Referral compensation may be received where permitted by law and properly disclosed.

14. Telephone, SMS, and Email Communications

When you voluntarily submit a telephone number, email address, or other contact information, you may be contacted regarding your inquiry. Where required by applicable law, we will obtain the necessary consent before sending regulated automated marketing calls or text messages.

Communications may come from ZipBuy, LLC, ZipBuy® Home Loans, ZipBuy CRE, LLC, ZipBuy Realty, LLC d/b/a ZipBuy Homes Team, WSJ Company Holdings, LLC d/b/a WSJ Brands, an appropriate affiliated company, a licensed professional assigned to your inquiry, or a participating provider relevant to your request.

Communications may be made by telephone call, SMS/text message, email, voicemail, or another method you request or authorize. Message frequency varies. Message and data rates may apply. Consent to receive marketing calls or text messages is not a condition of obtaining financing, purchasing real estate, or purchasing any product or service. You may withdraw marketing consent at any time. For SMS, reply STOP where applicable. For email, use the unsubscribe link contained in marketing emails.

Our websites may use cookies and similar technologies for functionality, security, analytics, advertising, user experience, conversion measurement, lead attribution, and marketing optimization. Third-party platforms such as Google, Meta, CRM providers, analytics companies, and advertising platforms may process information according to their own terms and privacy policies.

Depending on applicable law and your jurisdiction, you may have choices regarding certain cookies, targeted advertising, or related tracking. Browser settings may also allow you to block or delete cookies, although doing so may affect website functionality.

16. Sale, Sharing, and Targeted Advertising

ZipBuy, LLC does not sell personal information for money simply because a consumer submits an inquiry through BestPreQual. However, depending on applicable state privacy law, certain disclosures of personal information to advertising, analytics, referral, or business partners may be legally defined as a "sale," "sharing," or processing for "targeted advertising," even when no traditional sale of a customer database occurs.

Where applicable law provides a right to opt out of such activity, eligible consumers may submit a request using the contact information in this Policy.

17. Consumer Privacy Rights

Depending on your jurisdiction and the applicability of state law, you may have certain rights concerning your personal information. These may include the right to:

Know whether personal information is being processed
Access personal information
Correct inaccurate information
Delete certain personal information
Obtain a portable copy of certain information
Receive information about categories of personal information collected and disclosed
Receive information about categories of recipients
Opt out of certain targeted advertising, sale, or sharing
Limit certain uses of sensitive personal information where applicable
Appeal certain privacy decisions where applicable
Not receive unlawful discriminatory treatment for exercising applicable privacy rights

Not every privacy statute applies to every company or consumer. We will respond to verified requests as required by applicable law.

18. Exercising Privacy Choices

To submit an applicable consumer privacy request or marketing preference request, contact:

Email: info@bestprequal.com
Phone: (888) 693-7001
Mail: ZipBuy, LLC, 150 S. Pine Island Road, Suite 300, Plantation, FL 33324

We may take reasonable steps to verify a request before accessing, correcting, deleting, or disclosing personal information. Authorized-agent requests may be processed where required by applicable law and subject to appropriate verification.

19. Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including responding to inquiries, providing services, maintaining customer and business records, customer relationship management, compliance, dispute resolution, fraud prevention, security, enforcing agreements, and meeting legal or regulatory obligations. Retention periods may vary based on the nature of the information and the relationship with the consumer.

20. Data Security

We use commercially reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, destruction, or misuse. However, no internet transmission, information system, or storage method can be guaranteed to be completely secure. Consumers should avoid sending highly sensitive information through unsecured email or general marketing forms.

21. Business Transfers

If ZipBuy, LLC, BestPreQual, WSJ Brands, or relevant business assets are involved in a merger, acquisition, financing, restructuring, reorganization, bankruptcy, sale, or transfer, information may be disclosed or transferred as part of that transaction, subject to applicable law.

22. Legal Disclosures

We may disclose information when we reasonably believe disclosure is necessary or appropriate to comply with applicable law, respond to subpoenas, court orders, or lawful government requests, protect legal rights, enforce agreements, investigate suspected fraud, prevent security incidents, protect users or others, or meet regulatory requirements.

23. Children's Privacy

BestPreQual is intended for adults seeking financing, real estate, or related services. We do not knowingly solicit personal information from children under 13 through these services. Individuals submitting financing or real estate inquiries should generally be at least 18 years old or otherwise legally capable of entering into the applicable transaction.

24. Third-Party Websites

Our websites may link to third-party websites. ZipBuy, LLC does not control the privacy practices, security, content, products, or services of independent third-party websites. Consumers should review the privacy policies of those organizations before providing information directly to them.

25. Website, Financial, and Professional Disclaimer

Information available through BestPreQual and related ZipBuy websites is provided for general informational, educational, marketing, and lead-generation purposes. Nothing on these websites should be interpreted as individualized legal, tax, accounting, investment, insurance, mortgage, or financial advice; a commitment to lend; a guarantee of credit or financing; a guarantee of real estate availability; or a guarantee of any particular transaction outcome.

When appropriate, consumers should consult qualified legal, tax, accounting, insurance, investment, mortgage, real estate, or financial professionals.

26. No Guarantee of Approval or Results

Submitting an inquiry does not guarantee mortgage approval, preapproval, prequalification, commercial financing, business financing, credit approval, a particular loan amount, interest rate, property approval, appraised value, funding, closing, real estate purchase, real estate sale, or any other financial or transaction result. Final decisions are subject to the requirements of the applicable lender, investor, provider, professional, and transaction.

27. Fair Lending and Equal Housing

ZipBuy® Home Loans is committed to fair lending and Equal Housing Opportunity. Residential mortgage activities are conducted subject to applicable federal and state fair-lending and anti-discrimination requirements. ZipBuy Realty, LLC d/b/a ZipBuy Homes Team and participating real estate professionals are likewise expected to comply with applicable fair-housing laws. We do not discriminate on any basis prohibited by applicable law.

28. Trademarks and Intellectual Property

Unless otherwise stated, website content, logos, branding, graphics, text, designs, and other materials are owned by or licensed to ZipBuy, LLC or its affiliated companies. ZipBuy®, ZipBuy® Home Loans, BestPreQual™, ZipBuy CRE, ZipBuy Homes Team, and related names and marks may be trademarks, service marks, registered marks, trade names, or licensed intellectual property. Unauthorized reproduction or commercial use is prohibited.

29. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in business practices, technology, affiliated companies, products and services, legal requirements, or privacy practices. The updated policy will identify its effective or last-updated date. Where applicable law requires additional notice or consent for a material change, we will provide it.

30. Contact Us

For questions regarding this Privacy Policy, consumer requests, compliance inquiries, marketing preferences, website concerns, or privacy matters, contact:

ZipBuy, LLC d/b/a ZipBuy® Home Loans
150 S. Pine Island Road, Suite 300
Plantation, FL 33324
Phone: (888) 693-7001
Email: info@bestprequal.com
Website: www.zipbuy.io

Affiliated Holding / Management Company:
WSJ Company Holdings, LLC d/b/a WSJ Brands
Website: www.wsjbrands.com
Email: info@wsjbrands.com

PRIVACY POLICY, CONSUMER PRIVACY NOTICE & DATA DISCLOSURE