Privacy Policy

ailoandesk is operated by Cephic LLC, a Texas limited liability company (“we”, “us”). We provide loan intake and document collection software to lenders, brokers and other finance companies (“lenders”). This policy explains what we do with personal information, including the mobile numbers used to send text messages.

Two kinds of people appear in this policy. Lender users are the staff of a lender that has an account with us. Applicants are the people applying for a loan whose information a lender puts into our system. For applicant information the lender is the controller of that data and we are its processor: we handle it on the lender’s instructions and for no purpose of our own.

From lender users: name, business email address, telephone and mobile number, employer, role, password credentials, billing details, and records of activity in the product.

From applicants: the information the applicant or their lender enters into a loan application — name, business name, email address, mobile number, and the documents and answers required to assess the loan. This can include financial information and identity documents.

Automatically: IP address, browser type, pages viewed, and timestamps, used to keep the service secure and working.

• To provide the service: creating loan files, collecting documents and generating loan forms.
• To send transactional messages by email and text message — one-time verification codes, the secure link to an applicant’s own application, reminders for outstanding documents, and billing notices to lender account holders.
• To authenticate users and protect accounts against unauthorised access and fraud.
• To bill lenders for their use of the service.
• To meet our legal and regulatory obligations.

We do not sell personal information, and we do not use applicant information to market anything to applicants.

Mobile numbers reach us in one of two ways: a lender user gives us their own number when they set up their account, or a lender records an applicant’s number after the applicant has given the lender consent to be contacted by text about their loan application.

Messages sent to that number are limited to one-time verification codes, the secure link to the applicant’s own loan application, reminders about documents still outstanding on that application, and billing notices to lender account holders. We do not send marketing or promotional text messages. Message frequency varies with the progress of an application, typically one to six messages. Message and data rates may apply.

You can stop messages at any time by replying STOP, STOPALL, END, CANCEL, QUIT or UNSUBSCRIBE to any message. Reply HELP or INFO for help, or write to info@ailoandesk.com. Opting out of text messages does not stop the emails required to process a loan application.

The lender. An applicant’s information is available to the lender that created the application, and to any broker or lender the applicant is expressly referred to through the service.

Service providers. We use vendors to host the service, deliver email and text messages, process payments, and provide the AI review of submitted documents. They act on our instructions, are bound by contract, and may only use the information to perform the service they provide to us.

Legal. We disclose information where the law requires it, or to establish or defend legal claims.

We do not sell or rent personal information, and we do not share it for anyone else’s marketing.

Loan files are kept for as long as the lender’s account is open, and afterwards for as long as the lender’s own record-keeping obligations require. Lenders can delete an application from their account. Backups are cycled out on a rolling basis. We keep billing records for as long as tax law requires.

Applicant links are single-purpose and expire, and are gated behind a one-time code sent to the applicant. Staff accounts support two-factor authentication. Data is encrypted in transit, and access within our systems is limited to the account it belongs to. No system is perfectly secure, but we treat loan files as the sensitive records they are.

You may ask us for a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it. If you are a loan applicant, ask the lender that created your application first, since the information is theirs to control; we will pass your request on if you contact us instead. Depending on where you live you may have further rights, including under the Texas Data Privacy and Security Act or the California Consumer Privacy Act, and we will not treat you differently for exercising them.

The service is for business use and is not directed to anyone under 18. We do not knowingly collect their information.

If we change this policy we will post the new version here and update the effective date. Material changes affecting how we use text messaging will be notified to account holders by email.

Cephic LLC (dba ailoandesk)
3604 Flagstone Dr, Carrollton, TX 75007, USA
info@ailoandesk.com