Use of Artificial Intelligence

Effective October 19, 2026

Anthony Rega, also doing business as loanfactory.io uses artificial intelligence (AI) to serve you faster. This policy explains how and adds to our Terms and Privacy Policy.

Where we use AI

• Chat assistants on our websites and portal;
• AI or artificial-voice phone agents that may answer, place, or follow up on calls, and prerecorded messages (only as permitted by your consent and the law);
• Drafting texts and emails, call transcription and summaries, and reminders;
• Helping fill out applications and reading uploaded documents to pull out data;
• Calculators, scenario estimates, and lead prioritization.

Humans make loan decisions

AI does not approve, deny, or price loans. Licensed staff and the lender make all credit decisions. AI answers may be wrong or incomplete; check important details with a licensed loan officer. You may ask for a human at any time by saying so on a call, in chat, or by email.

Your data and AI providers

AI tools may process your messages, call audio, and documents through service providers such as OpenAI and Google under contracts that limit their use of your data. We do not allow your personal information to be used to train third-party public AI models where we can control that setting, and we never use Google user data to train generalized AI models.

Fair lending

We do not use AI in a way that considers race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or any other prohibited factor.

Your responsibilities

Give accurate information and review any AI-prepared application before you submit or sign it. You are responsible for the information you provide.

Retention and rights

AI chat logs, call recordings, and transcripts are kept as described in the Privacy Policy retention section, and your state privacy rights apply to them.