Effective Date: September 28, 2026 · Last Updated: September 28, 2026
Privacy Policy — Mortgage Nerd Academy
1. Introduction
This Privacy Policy explains how Mortgage Nerd Academy, operated by Nerd Group LLC ("we," "us," "our"), collects, uses, shares, and protects personal information when you visit mortgagenerdacademy.com, subscribe to our free "Nerd News" email, or use our membership Services (together, the "Services").
By using the Services, you agree to this Policy. If you do not agree, please do not use the Services.
2. Information We Collect
Information you give us:
- Account information — your name, email address, and password when you register. (Passwords are stored in hashed form by our authentication provider; we do not see your plain-text password.)
- Billing information — when you subscribe, our payment processor (Stripe) collects and processes your payment-card details. We do not store full payment-card numbers. We receive limited billing metadata such as your subscription status, plan, billing dates, and the last four digits/brand of your card.
- Free email sign-up — if you join our free "Nerd News" list, we collect your name and email address.
- Communications — information you provide when you email us, join a coaching session, or otherwise contact us.
- Live coaching participation — live coaching sessions are hosted and recorded (audio and video) so members can view them afterward. If you attend, your name and any messages you type in the session chat may appear in that recording. Your camera and microphone are off by default and are not recorded unless you choose to turn them on to speak.
- AI tool inputs — the messages and content you enter into our AI features ("Nerd CHAT").
Information we collect automatically:
- Usage data — pages and lessons viewed, progress, features used, and similar activity within the Services.
- Device and log data — IP address, browser type, device information, and access times, collected by our hosting and delivery providers.
- Cookies and similar technologies — see Section 5.
We do not intentionally collect special or sensitive categories of personal information, and you should not enter borrower or third-party personal information into the Services (including AI tools).
3. How We Use Information
We use personal information to:
- Provide, operate, and maintain the Services and your membership;
- Process subscriptions, payments, renewals, and cancellations;
- Authenticate you and secure your account;
- Deliver content, videos, coaching sessions, and AI-tool responses;
- Send you service messages (e.g., billing notices, account and security notices, changes to these policies);
- Send marketing and educational emails (including "Nerd News"), from which you can unsubscribe at any time;
- Understand and improve how the Services are used;
- Detect and prevent fraud, abuse, and account sharing; and
- Comply with legal obligations and enforce our Terms.
4. How We Share Information (Service Providers / Sub-Processors)
We do not sell personal information for money. We do share personal information with Meta via an advertising pixel for cross-context behavioral advertising, which some state privacy laws (including Texas's) treat as "sharing" or "selling." You can opt out as described in Section 7.
We also share personal information with the service providers that make the Services work, each of which processes it on our behalf or under its own terms for the stated purpose:
| Provider | Purpose | What it processes |
|---|---|---|
| Stripe | Payment processing and subscription billing | Payment and billing information |
| Supabase | Database, authentication, and file storage | Account, usage, and content data |
| Vercel | Website hosting | Log/technical data |
| Cloudflare | Video streaming and content delivery; bot protection on our sign-up form (Turnstile) | Technical/delivery data; technical and device data used to tell people from bots |
| ActiveCampaign | Email and marketing (incl. "Nerd News") | Name, email, engagement data |
| Postmark | Email delivery (account, sign-up, and service emails) | Name, email address, email content |
| Google Analytics 4 | Website analytics and traffic measurement | Usage/behavior data, device data, cookies, IP address |
| Microsoft Clarity | Product analytics and session replay (heatmaps and recordings of page interactions) | Usage/behavior data, page interactions, device data (input fields masked by default) |
| Anthropic | AI processing for Nerd CHAT | The inputs you submit to the AI tool |
| Meta (Facebook) | Advertising and retargeting (pixel) | Site-activity/identifier data — see Section 5 and Section 7 |
| Cookiebot (Usercentrics) | Cookie/consent banner and consent-preference management | Consent choices, IP/approximate location (to apply the right rules), cookie/device identifiers |
We may also disclose information: to comply with law or valid legal process; to protect our rights, safety, or property or that of others; and in connection with a merger, acquisition, or sale of assets (with notice as required).
About Nerd CHAT. When you use Nerd CHAT, your inputs are sent to our AI provider (Anthropic) to generate a response. Under that provider's commercial API terms, your inputs and the responses are not used to train its models and are retained by the provider only briefly (currently deleted from its systems within about 30 days) unless a longer period is required by law. We do not use your Nerd CHAT conversations to sell products or to build advertising profiles. Please do not enter borrower personal information, other people's personal information, or confidential data into Nerd CHAT.
5. Cookies, Tracking, and the Facebook Pixel
We and our providers use cookies and similar technologies to keep you logged in, remember preferences, measure usage, and support marketing.
Analytics and session replay. We use Google Analytics 4 to understand how visitors use the site and Microsoft Clarity for heatmaps and session replay (recordings of on-page interactions, with text you type in form fields masked by default). These tools help us improve the Services and are not used to build advertising profiles.
Consent management. We use a consent-management tool to present a cookie/consent banner, let you accept or decline non-essential cookies (such as analytics, session replay, and advertising), record your choices, and detect and honor the Global Privacy Control (GPC) signal. Essential cookies needed to run the Services (such as keeping you logged in) are always active.
Advertising / retargeting. We use the Meta (Facebook) advertising pixel to measure our ads and show relevant ads to people who have visited our site. This technology may transfer identifiers and site-activity data to Meta.
Because using an advertising pixel for cross-context behavioral advertising is treated as "selling" or "sharing" personal information under some state privacy laws, we let you opt out. You can use our "Do Not Sell or Share My Personal Information" control (see Section 7), and we honor the Global Privacy Control (GPC) browser signal automatically — if your browser sends a GPC signal, we treat it as a request to opt out of sharing for advertising.
You can control cookies through your browser settings; blocking some cookies may affect how the Services work.
6. Data Retention
We keep personal information for as long as your account is active and as needed to provide the Services, and afterward as required to comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we delete or de-identify it. Free-email-list data is retained until you unsubscribe or ask us to remove it.
7. Your Privacy Rights
Depending on where you live, you may have rights over your personal information, including the right to: access the information we hold about you; correct inaccurate information; delete your information; opt out of the "sale" or "sharing" of your information and of targeted advertising; and not be discriminated against for exercising these rights.
How to exercise your rights. Email us at privacy@mortgagenerdacademy.com or use the contact details in Section 11. We will verify your request as required by law and respond within the timeframe the applicable law requires. You do not need an account to make a request, and we will not require unnecessary verification steps.
"Do Not Sell or Share My Personal Information." You can opt out of our use of advertising cookies and pixels (including the Meta pixel) for cross-context behavioral advertising in two ways: (1) use the "Do Not Sell or Share My Personal Information" link available in our website footer to turn off advertising tracking for your browser; or (2) enable the Global Privacy Control (GPC) in your browser, which we detect and honor automatically. Opting out does not affect the cookies we need to run the Services (for example, to keep you logged in).
California residents have the rights above under the CCPA/CPRA. Residents of other states with comprehensive privacy laws (e.g., Virginia, Colorado, Connecticut, Texas, Oregon, and others) have comparable rights; we honor them as those laws require.
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, and reputable infrastructure providers. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
9. Children's Privacy
The Services are for professionals and are not directed to anyone under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us at privacy@mortgagenerdacademy.com and we will delete it.
10. Changes to This Policy
We may update this Policy from time to time. We will change the "Last Updated" date and, for material changes, provide additional notice as required. Your continued use of the Services after changes take effect means you accept the updated Policy.
11. Contact Us
Questions or privacy requests: Nerd Group LLC 2550 E State Hwy 121, Building 5, Lewisville, TX 75056 Email: privacy@mortgagenerdacademy.com