AlNex.ai
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Privacy Policy

Last updated: January 31, 2026

1Introduction

Welcome to Alnex.ai ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage underwriter assistant platform and related services (collectively, the "Service").

By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.

2Information We Collect

2.1 Personal Information

We collect personal information that you provide directly to us, including but not limited to:

  • Name, email address, phone number, and mailing address
  • Social Security Number (SSN) or Tax Identification Number
  • Date of birth and government-issued identification documents
  • Employment information, income details, and financial statements
  • Bank account information and credit history
  • Property information and real estate transaction details
  • Mortgage application data and supporting documentation

2.2 Financial Information

As a mortgage underwriter assistant, we collect sensitive financial information necessary for mortgage processing, including:

  • Credit reports and credit scores
  • Tax returns and W-2 forms
  • Bank statements and asset verification documents
  • Debt-to-income ratios and financial obligations
  • Property appraisals and inspection reports

2.3 Automatically Collected Information

When you access our Service, we automatically collect certain information, including:

  • IP address, browser type, and device information
  • Usage data, including pages visited and time spent on our platform
  • Cookies and similar tracking technologies
  • Log files and system information

3How We Use Your Information

We use the information we collect for the following purposes:

  • Mortgage Processing: To process, evaluate, and underwrite mortgage applications
  • AI-Powered Analysis: To provide intelligent mortgage recommendations and risk assessments
  • Service Delivery: To provide, maintain, and improve our mortgage underwriter assistant services
  • Communication: To communicate with you about your mortgage application, account updates, and service-related matters
  • Compliance: To comply with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
  • Security: To detect, prevent, and address fraud, security threats, and technical issues
  • Analytics: To analyze usage patterns and improve our Service
  • Marketing: To send you promotional communications (with your consent) about our services

4Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Credit bureaus and credit reporting agencies
  • Property appraisal and inspection services
  • Title companies and escrow services
  • Cloud storage and data processing providers
  • Payment processors and financial institutions

4.2 Lenders and Financial Partners

We may share your mortgage application and related information with lenders, financial institutions, and mortgage brokers in our network to facilitate mortgage processing and approval.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or governmental regulation, including:

  • Compliance with federal and state mortgage lending regulations
  • Response to subpoenas, warrants, or legal process
  • Protection of our rights, property, or safety, or that of our users

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

5Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

  • Encryption: All data is encrypted in transit and at rest using AES-256 encryption
  • Access Controls: Strict access controls and authentication mechanisms
  • Secure Infrastructure: Hosted on secure, compliant cloud infrastructure
  • Regular Audits: Regular security audits and vulnerability assessments
  • Employee Training: Comprehensive security training for all employees
  • Compliance: Adherence to industry standards including SOC 2, PCI DSS, and GLBA requirements

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6Your Rights and Choices

You have certain rights regarding your personal information, including:

  • Access: Request access to your personal information
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal retention requirements)
  • Opt-Out: Opt-out of marketing communications
  • Data Portability: Request a copy of your data in a portable format
  • Withdraw Consent: Withdraw consent for processing where applicable

To exercise these rights, please contact us at support@alnex.ai or through the contact information provided below.

7Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services and fulfill the purposes outlined in this Privacy Policy
  • Comply with legal, regulatory, and contractual obligations
  • Resolve disputes and enforce our agreements
  • Maintain accurate records for mortgage underwriting and compliance purposes

Financial records and mortgage-related documents are typically retained for a minimum of seven (7) years as required by federal and state regulations.

8Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and provide personalized content. You can control cookie preferences through your browser settings. However, disabling cookies may limit certain features of our Service.

9Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

10Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

11Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Alnex.ai

Email: support@alnex.ai

12California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

  • The right to know what personal information is collected, used, shared, or sold
  • The right to delete personal information
  • The right to opt-out of the sale of personal information
  • The right to non-discrimination for exercising your privacy rights