Privacy Policy

Your Loan Ninja  |  Last updated: November 2, 2026

Your Loan Ninja, a d/b/a of Wholesale United LLC ("we," "us," or "our") operates blendedmortgagerate.com and yourloanninja.com. This Privacy Policy describes how we collect, use, and protect your personal information when you use our website and calculator tools.

By using our site and submitting your information, you agree to the practices described in this policy. If you do not agree, please do not use our site or submit your information.

1. Information We Collect

We collect information you provide directly to us, including:

• Your name
• Phone number (including mobile number)
• Email address
• Your stated interests and timeline
• Calculator inputs you enter (mortgage balances, rates, etc.)
• Your consent status for text message communications

We may also collect standard technical information such as your IP address, browser type, and pages visited through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiry and provide mortgage information and consultation services
• Contact you by phone, email, or text message about your mortgage inquiry
• Improve our website and calculator tools
• Comply with legal and regulatory obligations

3. Text Message Communications (SMS/MMS)

If you check the consent box on our contact form, you agree to receive calls and text messages from Your Loan Ninja at the phone number you provided. Message frequency varies based on your inquiry. Standard message and data rates may apply.

To opt out: Reply STOP to any text message you receive from us. You may also contact us directly to opt out at any time.

For help: Reply HELP to any text message, or contact us at (916) 579-6222.

Opting out of text messages will not affect your ability to receive services or consultation from us through other channels.

4. Sharing Your Information

We do not sell your personal information. We may share your information with:

• Land Home Financial Services, Inc. (NMLS #1796), our sponsoring lender, in connection with evaluating and processing your mortgage inquiry
• Service providers who help us operate our website, manage leads, and communicate with you (such as GoHighLevel, our CRM platform), under contractual confidentiality obligations
• Regulatory authorities when required by law

We do not share your mobile phone number or text message consent status with third parties for their own marketing purposes.

5. Data Retention

We retain your information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve disputes.

6. Your Choices

You may request to access, correct, or delete your personal information by contacting us at the information below. California residents may have additional rights under the California Consumer Privacy Act (CCPA).

7. Security

We take reasonable measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of internet transmission or electronic storage is completely secure.

8. Cookies

Our website may use cookies and similar tracking technologies to improve your browsing experience. You can control cookie settings through your browser preferences.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of our site after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or your personal information, contact us at:

Your Loan Ninja, a d/b/a of Wholesale United LLC
Geoffrey Miyao | NMLS #244880
7685 River Village Drive, Sacramento, CA 95831
Phone: (916) 579-6222
Email: [email protected]
Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law
Land Home Financial Services, Inc. | NMLS #1796