Privacy Policy, Disclosures & Consumer Notice

Effective Date: August 7, 2026

This Privacy Policy, Disclosures & Consumer Notice applies to websites, landing pages, lead-generation pages, forms, and digital properties operated by or on behalf of ZipBuy, LLC and its affiliated brands and business units, including:

www.zipbuy.io | www.bestprequal.com | www.zipbuyhomeloans.com | www.zipbuycre.com | www.zipbuyhomesteam.com

By accessing one of these websites or voluntarily submitting information through a form, you acknowledge the practices described in this notice.

1. Company Information

ZipBuy, LLC
d/b/a ZipBuy® Home Loans
150 S. Pine Island Road, Suite 300
Plantation, FL 33324
Phone: (888) 693-7001
Website: www.zipbuy.io
Email: support@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 available only in states and jurisdictions where the company and applicable mortgage professionals are properly licensed or otherwise legally authorized to conduct business.

2. About the ZipBuy Platform

ZipBuy operates a real estate, mortgage, commercial financing, marketing, education, and lead-generation ecosystem.

Depending on the nature of your inquiry, information submitted through a ZipBuy website may be routed to the appropriate ZipBuy company, licensed professional, participating provider, or affiliated organization capable of responding to your request.

ZipBuy® Home Loans

Residential mortgage financing services are offered through:
ZipBuy, LLC d/b/a ZipBuy® Home Loans
Company NMLS ID 2522706
Website: www.zipbuyhomeloans.com

Residential mortgage products and services are available only where legally permitted and through appropriately licensed Mortgage Loan Originators.

BestPreQual.com

www.bestprequal.com is a consumer marketing, education, and lead-generation platform operated by ZipBuy, LLC.

BestPreQual.com may allow consumers to request information regarding:

Home purchases
Mortgage refinancing
Home equity financing
Investment property financing
DSCR financing
Commercial financing
SBA-related financing
Real estate services
Other financing or property-related services

Submitting information through BestPreQual.com is not, by itself, a mortgage loan application, loan approval, commitment to lend, or guarantee of financing.

Depending on the request, a consumer may be referred or redirected to the appropriate licensed ZipBuy company, professional, lender, or participating provider.

ZipBuy CRE, LLC

Website: www.zipbuycre.com

ZipBuy CRE, LLC provides access to commercial and business-purpose financing solutions for investors, developers, business owners, and entities.

Products may include commercial real estate loans, DSCR financing, bridge loans, construction financing, SBA financing, business-purpose loans, investment-property financing, and other commercial financing programs.

Unless specifically stated otherwise, ZipBuy CRE financing is intended for business-purpose and investment transactions and not consumer-purpose residential mortgage transactions.

ZipBuy Realty, LLC d/b/a ZipBuy Homes Team

Website: www.zipbuyhomesteam.com

Real estate brokerage and referral services are provided through appropriately licensed real estate professionals.

Consumers may be connected with a licensed Realtor®, real estate sales associate, real estate broker, or referral partner based on property location, state licensing, geographic availability, transaction type, consumer preference, and professional availability.

3. Information We May Collect

We may collect information that you voluntarily provide to us, including:

First and last name
Telephone number
Email address
Mailing address
State of residence
Property address
Property type
Purchase or refinance interest
Estimated purchase price
Estimated property value
Desired loan amount
Down payment information
Occupancy information
Investment property information
Business name
Business type
Time in business
Business revenue
Financing objectives
Real estate interests
Credit-related information voluntarily supplied by you
General income or asset information
Preferred contact time
Comments or details regarding your financing or real estate scenario

We may also automatically collect technical information, including:

IP address
Browser type
Device information
Operating system
Referring website
Pages visited
Approximate geographic location
Cookies
Analytics information
Advertising identifiers
Website interaction data

We do not encourage consumers to submit sensitive information through general marketing forms unless specifically requested through an appropriate secure process.

4. How We Use Information

We may use information we collect to:

Respond to your inquiry.
Determine which ZipBuy company or professional may be appropriate for your request.
Connect you with a licensed Mortgage Loan Originator.
Connect you with a licensed real estate professional.
Connect commercial borrowers with participating financing providers.
Provide requested mortgage or financing information.
Provide requested real estate information.
Schedule consultations.
Communicate regarding your inquiry.
Manage leads through our customer relationship management systems.
Provide educational materials.
Improve our websites and marketing.
Conduct analytics and reporting.
Improve products, services, and user experience.
Protect against fraud and unauthorized use.
Maintain security.
Comply with regulatory and legal requirements.
Maintain records required by applicable law.
Perform internal business administration.
Provide related products or services where legally permitted.

5. Information Sharing

We may share information as described below.

ZipBuy Companies and Business Units

Depending on your request, information may be shared with or routed to:

ZipBuy, LLC d/b/a ZipBuy® Home Loans
ZipBuy CRE, LLC
ZipBuy Realty, LLC d/b/a ZipBuy Homes Team

Information is routed based on the type of product or service you requested, applicable licensing requirements, and the professionals available to assist you.

6. Affiliated Company Sharing

ZipBuy, LLC is affiliated with:

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

Where permitted by applicable law, information may be shared with WSJ Company Holdings, LLC and companies under common ownership, control, or management for legitimate business purposes, including lead routing, customer relationship management, customer support, marketing, business development, operational administration, analytics, reporting, quality control, technology support, fraud prevention, compliance, recruiting, consumer education, and coordinating products or services related to your inquiry.

Affiliate information sharing will be conducted subject to applicable federal and state privacy laws and any consumer opt-out or consent rights that may apply. Information will not be used by an affiliated company to perform a regulated activity unless that company or the professional providing the service is properly licensed or otherwise legally authorized to perform that activity.

7. Participating Providers and Licensed Professionals

Depending on your inquiry, we may share your information with appropriately licensed or authorized professionals and providers, which may include mortgage brokers, mortgage lenders, banks, credit unions, commercial lenders, SBA lenders, private lenders, business-purpose lenders, DSCR lenders, equipment financing companies, real estate brokers, real estate sales associates, Realtors®, title companies, settlement service providers, insurance professionals, and technology and operational service providers.

Each independent provider is responsible for its own licensing, underwriting, product eligibility, pricing, fees, disclosures, privacy practices, regulatory compliance, customer communications, approval decisions, and related matters.

8. Third-Party Service Providers

We may use third-party vendors to operate our business. These may include providers of customer relationship management systems, website hosting, cloud storage, marketing automation, email communications, SMS communications, telephone systems, analytics, cybersecurity, document management, customer support, advertising services, compliance technology, and software development. We may provide information to these companies when reasonably necessary for them to perform services on our behalf.

9. Residential Mortgage Disclosure

Residential mortgage financing is offered through ZipBuy, LLC d/b/a ZipBuy® Home Loans, Company NMLS ID 2522706. Management: Wilguimps Saint Jean, President & CEO, Individual NMLS ID 1890873.

Mortgage products and services are available only in jurisdictions where ZipBuy, LLC and the applicable Mortgage Loan Originator are properly licensed or otherwise legally authorized to conduct business. Not all loan products are available in all states.

Mortgage loan approvals are subject to applicable requirements, which may include credit approval, income verification, asset verification, employment verification, property appraisal, property eligibility, underwriting, investor guidelines, loan program guidelines, identity verification, and applicable regulatory requirements. Submitting information on a ZipBuy lead-generation page does not constitute final loan approval or a commitment to lend. Rates, loan terms, fees, loan programs, eligibility requirements, and product availability are subject to change without notice.

10. BestPreQual.com Disclosure

BestPreQual.com is owned and operated by ZipBuy, LLC. BestPreQual.com is designed to provide consumer education, lead generation, marketing, prequalification-related information, and connections to appropriately licensed or authorized mortgage, commercial lending, and real estate professionals.

A request submitted through BestPreQual.com does not guarantee loan approval, preapproval, prequalification, a particular interest rate, a particular loan amount, a particular loan program, property approval, credit approval, funding, closing, or any particular transaction outcome. A consumer may need to complete a formal loan application and provide supporting documentation before a lender or licensed mortgage professional can make a credit decision.

11. Commercial Financing Disclosure

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

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

12. 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. Real estate services are provided by professionals properly licensed in the jurisdiction in which the property is located.

A consumer may be assigned or referred to an independent real estate professional based on licensing, geographic location, availability, property type, transaction type, and professional qualifications. ZipBuy may receive a referral fee or other compensation where permitted by applicable law and properly disclosed. No particular property, purchase price, seller concession, transaction outcome, or real estate professional is guaranteed.

13. Marketing, Telephone, SMS and Email Communications

When you voluntarily submit your telephone number, email address, or other contact information, you may be contacted regarding your request. 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 affiliated company relevant to your request, a licensed professional assigned to your inquiry, or a participating financing provider.

Communications may be made through telephone calls, SMS or text messages, email, voicemail, or other communications you request or authorize. Message and data rates may apply. Consent to receive marketing calls or text messages is not a condition of obtaining financing, purchasing property, 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.

For other consumer or privacy requests, contact support@zipbuy.io.

14. Cookies and Tracking Technologies

Our websites may use cookies and similar technologies for website functionality, security, analytics, advertising, user experience, conversion measurement, lead attribution, and marketing optimization. Depending on applicable law and your jurisdiction, you may have choices regarding the use of certain cookies or tracking technologies. Browser settings may also allow you to block or delete cookies. Blocking cookies may affect website functionality.

15. Analytics and Advertising

We may use third-party analytics and advertising platforms to understand how consumers interact with our websites and marketing. Information may be used to measure website traffic, evaluate advertising effectiveness, understand consumer behavior, improve landing pages, retarget advertising where permitted, and measure lead conversions. Third-party platforms may maintain their own privacy policies and data practices.

16. Data Security

We use commercially reasonable administrative, technical, and organizational measures intended to protect personal information. However, no website, internet transmission, database, or electronic storage system can be guaranteed to be completely secure. Consumers should avoid sending highly sensitive personal information through unsecured email or general website forms.

17. Data Retention

We may retain personal information for as long as reasonably necessary to respond to your inquiry, maintain customer and business records, provide requested services, meet compliance requirements, resolve disputes, prevent fraud, enforce agreements, comply with legal obligations, and perform internal business administration.

18. Consumer Privacy Rights

Depending on your jurisdiction, you may have certain privacy rights, including the right to access, correct, delete, or restrict certain uses of your personal information. These rights are subject to applicable legal exceptions and verification requirements.

To submit a consumer privacy request:

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

Please include sufficient information for us to reasonably verify and process your request. We will not unlawfully discriminate against you for exercising applicable privacy rights.

19. Do Not Sell or Share Requests

Certain state privacy laws may define particular transfers of personal information for advertising, lead generation, or other commercial purposes as a "sale" or "sharing," 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 to support@zipbuy.io with "Privacy Opt-Out Request" in the subject line.

20. Children's Privacy

Our mortgage, commercial financing, and real estate lead-generation services are intended for adults. 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.

21. Third-Party Websites

ZipBuy websites may contain links to third-party websites. We are not responsible for the privacy practices, security, content, products, or services of websites that we do not own or operate. Consumers should review the privacy policy of any third-party website before providing personal information.

22. Legal and Regulatory Disclosure

We may disclose information when reasonably necessary to comply with federal, state, or local law; respond to subpoenas or court orders; respond to regulatory authorities; investigate fraud; protect legal rights; enforce agreements; protect customers, employees, partners, or the public; prevent security incidents or illegal activity; or as otherwise required by law.

23. Website Disclaimer

Information available through ZipBuy websites is provided for general informational, educational, marketing, and lead-generation purposes. Nothing on these websites should be interpreted as legal advice, tax advice, accounting advice, investment advice, a guarantee of credit, a guarantee of financing, a commitment to lend, a guarantee of real estate availability, or a guarantee of a particular transaction outcome. Consumers should independently evaluate products, services, contracts, financing terms, and real estate transactions. When appropriate, consumers should consult qualified legal, tax, accounting, insurance, investment, or financial professionals.

24. No Guarantee of Approval

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

25. Fair Lending and Equal Housing

ZipBuy® Home Loans is committed to fair lending and Equal Housing Opportunity. Residential mortgage lending activities are conducted subject to applicable federal and state laws, including fair lending and anti-discrimination requirements. ZipBuy Realty, LLC d/b/a ZipBuy Homes Team and its 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.

26. 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® and related brand names, logos, and marks may be trademarks, service marks, registered marks, trade names, or licensed intellectual property. Unauthorized reproduction or commercial use is prohibited.

27. Changes to This Policy

We may update this Privacy Policy, Disclosures & Consumer Notice from time to time to reflect changes in law, regulatory requirements, business operations, technology, products, services, and information practices. The effective date at the top of this policy identifies the most recent version. Continued use of the website after an updated policy is posted constitutes acknowledgement of the updated notice, subject to applicable law.

28. Contact Us

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