Privacy Policy

Introduction

RiskSculptor™ (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our professional-facing post-AUS loan rescue workflow platform and related services.

About RiskSculptor

RiskSculptor is a professional-facing post-AUS (Automated Underwriting System) loan rescue workflow platform designed for licensed mortgage professionals. We provide tools and workflows to help mortgage loan officers analyze, structure, and position loan files for underwriting review. RiskSculptor does not make lending decisions, extend credit, or modify credit reports.

Information We Collect

We may collect the following types of information:

• Name – Your professional name for account identification
• Email address – For account access, communications, and support
• Business and contact information – Company, NMLS number, phone, and professional credentials
• Account and login information – Credentials for platform access and authentication
• Facebook Page/account connection metadata – If Facebook integration is enabled, we receive limited data necessary to authenticate, manage permissions, and publish/schedule content as authorized by you
• Content scheduling and publishing metadata – Information about scheduled posts, publishing times, and content preferences
• Technical usage data – Browser type, device information, IP address, log data, and platform usage analytics

How We Use Your Information

We use the information we collect to:

• Provide and maintain your account access to the platform
• Enable page publishing workflows and content scheduling
• Provide customer support and respond to inquiries
• Improve our products, services, and user experience
• Ensure security, prevent fraud, and protect against unauthorized access
• Meet compliance and legal obligations applicable to our business

Facebook and Meta Data

If you choose to connect a Facebook Page or account to RiskSculptor:

• We receive limited data necessary to authenticate your connection, manage permissions, and publish or schedule content as authorized by you
• We use this data solely to provide the content publishing and social media management features you request
• We do not sell Facebook user data to third parties
• We do not use Facebook data for unrelated advertising, unauthorized profiling, or purposes beyond the functionality you explicitly authorize
• You may disconnect RiskSculptor from your Facebook account at any time through Facebook/Meta settings

Data Sharing and Disclosure

We do not sell your personal data. We may share information in the following circumstances:

• Service providers – With trusted vendors and service providers who assist us in operating our platform, subject to confidentiality obligations
• Legal and compliance obligations – When required by law, regulation, legal process, or governmental request
• Business transfers – In connection with a merger, acquisition, or sale of assets, with appropriate protections for your data
• Protection of rights – To protect the rights, property, or safety of RiskSculptor, our users, or others

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for business operations, legal compliance, security, fraud prevention, accounting, and dispute resolution purposes. When data is no longer needed, we securely delete or anonymize it in accordance with our data retention policies.

Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal data, subject to legal and operational retention requirements
• Unsubscribe from marketing communications where applicable
• Object to certain processing of your data

To exercise these rights, please contact us using the information below.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us at:

Email: support@risksculptor.com

Disclaimer

This Privacy Policy relates to the general public website and application privacy practices of RiskSculptor. This policy does not constitute mortgage approval language, lending guidance, or underwriting advice. RiskSculptor does not issue credit decisions, extend credit, or modify credit reports. All mortgage-related decisions remain the responsibility of the applicable lender, investor, and underwriting authority.