Effective Date: August 5, 2026
Last Updated: August 5, 2026
1. Who we are and what this policy covers
Flippin Loan, LLC (“Flippin Loan”) is the primary brand under which we arrange and make business-purpose real estate loans, including DSCR (Debt Service Coverage Ratio) investment-property loans, to real estate investors and their entities. Depending on the loan program, your loan may be originated, made, funded, held, or serviced by Flippin Loan or by one of its affiliates — entities under common ownership or control with Flippin Loan. In this Privacy Policy, the terms “we,” “us,” and “our” refer to Flippin Loan and its affiliates.
This Privacy Policy explains how we collect, use, share, and protect information when you visit flippinloan.com (the “Site”), communicate with us (including by text message), or apply for or obtain a loan or other service through us. It applies to visitors, applicants, borrowers, guarantors, and anyone who communicates with us.
2. Information we collect
(a) Information you provide — when you complete an application, upload documents, or communicate with us, including:
- Identifying information: name, date of birth, Social Security number, and contact details (mailing address, phone, mobile number, email);
- Entity information: business/entity name, Employer Identification Number (EIN), and formation and ownership details;
- Financial information: assets, liabilities, net worth, liquid assets, bank and account information, and credit-related information;
- Property and loan information: subject-property details, existing mortgage/lienholder information, and loan purpose and amount;
- Supporting documents: government-issued identification, bank statements, leases, entity/formation documents, insurance documents, and similar records; and
- Any other information you choose to provide to us.
(b) Information we collect automatically on the Site — device and usage information such as IP address, browser type, pages viewed, and referring pages, collected through cookies and similar technologies and analytics tools.
(c) Information from third parties — consumer reporting agencies (credit reports and scores), identity- and income-verification services, public records, and others involved in your transaction (such as real estate agents, title companies, closing agents, and mortgage brokers), and our lending partners and service providers.
3. How we use your information
We use your information to:
- evaluate, underwrite, process, place, fund, and service your loan;
- verify your identity and creditworthiness (including obtaining consumer credit reports with your authorization);
- communicate with you about your application, loan, and our services, including service- and account-related text messages where you have opted in (see Section 5, “Text Messaging (SMS)”);
- operate, maintain, secure, and improve the Site;
- detect, investigate, and prevent fraud and protect the security of information and our legal rights; and
- comply with applicable laws, regulations, and lawful requests.
4. How and with whom we share your information
To provide our services, we may share your information with:
- Our affiliates — entities under common ownership or control with Flippin Loan — to evaluate, originate, make, fund, and service your loan and to operate our business;
- Prospective lending partners and investors, in accordance with the funding or sale of loans;
- Third-party service providers that perform services on our behalf — for example, secure online form hosting, consumer credit reporting, identity/income verification, document processing, loan servicing, cloud storage, text-message delivery, and information-technology support;
- Others involved in your transaction, such as title companies, closing agents, and lenders, as needed to provide the services you request;
- Professional advisors, such as attorneys, accountants, and auditors;
- Government, regulatory, or law-enforcement authorities, when required by law, regulation, subpoena, or legal process, or to establish, exercise, or defend our legal rights;
- Parties to a business transaction, such as a merger, financing, or sale of assets; and
- Others with your consent or at your direction.
We require our service providers to keep your information confidential and to use it only to provide services to us.
We do not sell your personal information.
5. Text Messaging (SMS)
If you provide your mobile number and opt in, we may send you text messages related to your account, loan, or request — such as customer-care responses, servicing updates, document requests, and reminders. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP, and you can reply HELP for assistance. Our text-messaging practices are described in our SMS Terms & Conditions.
No mobile information — including your mobile phone number and your SMS opt-in data or consent — will be sold, rented, or shared with any third parties or affiliates for marketing or promotional purposes. We may share this information only with the service providers that help us operate our text-messaging program (for example, our messaging platform provider), solely to deliver and support the messages you have requested, and only under obligations of confidentiality. All text-messaging opt-in data and consent records are kept private and are not transferred to third-party marketers.
6. Credit reports (Fair Credit Reporting Act)
With your authorization, we — or our consumer credit-reporting vendor acting on our behalf — obtain consumer credit reports on the individual guarantor(s): a “soft” inquiry to pre-qualify you, and, if you proceed, a “hard” inquiry as part of underwriting. Each guarantor authorizes this for themselves on their own application.
7. How we protect your information
We maintain administrative, technical, and physical safeguards designed to protect your information, including encryption of sensitive information in transit and at rest, access controls, and contractual safeguards with our service providers. We restrict access to employees, affiliates, and service providers who need it to provide services to you. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
8. Data retention
We retain your information for as long as necessary to fulfill the purposes described in this policy and to comply with our legal, regulatory, tax, accounting, and recordkeeping obligations.
9. Your choices and rights
- Access and correction: you may contact us to review or request correction of your information.
- Text messages: you may opt out of text messages at any time by replying STOP.
- Marketing communications: if you receive marketing communications from us, you may opt out at any time — for example, by using the unsubscribe link in a marketing email or by contacting us using the information in Section 12.
- Cookies: you can control cookies through your browser settings.
- State privacy rights: depending on your state of residence, you may have additional rights — for example, to know, access, correct, or delete certain personal information, or to opt out of certain processing. Contact us using the information in Section 12 to exercise any such right.
10. Cookies and analytics
The Site uses cookies and similar technologies to operate the Site, remember your preferences, and understand how the Site is used. You can control cookies through your browser settings.
11. Other important information
- Third-party links: the Site may link to websites we do not operate or control; their privacy practices are their own, and this policy does not apply to them.
- Age requirement: the Site and our services are directed to, and intended for, individuals who are at least 18 years old. We do not knowingly collect personal information from anyone under 18, and you must be at least 18 to apply for a loan or otherwise submit information to us.
- Changes to this policy: we may update this policy from time to time; the “Last Updated” date reflects the most recent version, and we will post material changes on the Site.
12. Contact us
Flippin Loan, LLC
804 Stone Creek Pkwy, Suite 7
Louisville, KY 40223
Email: info@flippinloan.com
Phone: 502-444-3547